Are you looking for info on what Scalapay is and how it works for installment payments ? Here is a complete guide on how to pay in installments with Scalapay online or in store.
Purchasing a service or product, whether in a physical store or online, has become extremely simple. Although most people are still tied to paying in cash , solutions such as MasterCard , VISA and the like can be very useful for speeding up the purchase and tracking process.
In recent years, the continuous need to digitize payments has given way to many companies to develop services capable of facilitating these operations. You may not always have the desire to view a product or service and pay for it immediately, perhaps because it has a high price or simply because you don’t want to invest that amount immediately.
Fortunately, there are solutions such as Scalapay that allow you to pay in multiple installments without additional costs . In this guide we will see how Scalapay works and how to make the most of the service.
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Index
- What is Scalapay and how does it work
- How to create a Scalapay account
- How much does it cost to activate Scalapay
- How to pay with Scalapay
- How it works in store with Scalapay
- Which cards does Scalapay accept?
- What happens if you don’t pay the installments with Scalapay
- How safe is Scalapay and user reviews
- Other frequently asked questions
- How much can I spend in the shop
- How to advance or postpone payment with Scalapay
- How Scalapay earns
- How to block Scalapay payment
- How Scalapay works for the seller
What is Scalapay and how does it work
Let’s start with the basics, that is, with what Scalapay actually is . When you use the Scalapay service, all you do is take advantage of an innovative payment solution that allows you to make purchases, in a physical store or online , receiving the purchased goods or services immediately, paying them in 3 equal monthly installments .
Currently this service is the leader in Italy in the Buy Now Pay Later (BNPL) , which translates into a form of short-term financing without interest for those who buy products in eCommerce . The platform was born in 2019 and is in full launch. For more information, visit the official site .
Now that you know what Scalapay is , you will be curious to understand how Scalapay works concretely when you need to make a purchase. As we anticipated, the service allows you to divide the full payment into three monthly installments; at the time of purchase of the service or product, you will pay only the first installment, one third of the total value .
Although you will only pay the first installment and the following two at the end of the 30 days and 60 days , Scalapay will still pay the entire amount to the shop where you made the purchase. You will then be temporarily financed by the platform which will advance the total amount , from which you will then benefit to spread the payments. You can use it all with the application for Android and iOS , without even having to turn on your PC.
There are neither interest nor above all additional costs to subscribe to the service. All you have to do is activate it and respect the monthly payment terms . In the next few lines we will also analyze the consequences of not paying the due installments and how Scalapay earns.
How to create a Scalapay account
In order to use the service, you will need a Scalapay account as well as your smartphone . To start the registration process, go to the official website of the service and click on Login at the top right . The platform will ask you to enter a valid phone number to continue, then enter a verification code.
Then you just need to enter: tax code, date of birth and personal data to identify yourself as a real person. The only trick is the need to be of legal age to use the service. At the end of the registration you will have to click on Login , present on the home page, and then enter the data with which you registered.
If instead you connect from the Scalapay app, for Android or iOS, to register you will have to touch the Create an account button and register with your telephone number.
How much does it cost to activate Scalapay
One of the strengths of this service is the activation cost , in fact, it is completely free . Both registration and purchase commissions are zero ; you will only have to pay the cost of the first installment and then wait for the next two installments to be deducted.
Scalapay will send you a notification before charging the second and third installments.
How to pay with Scalapay
Now that you have an account and you are aware of the fact that there are no additional costs, it is appropriate to focus on how you can actually use the service for your payments.
If you wish to use this service for your online purchase (for example on Amazon , Zalando, etc.), when paying at checkout, all you have to do is select Scalapay as the payment method. You will automatically be redirected to the Scalapay website to complete the order. The platform will ask you to enter your login details and to select a payment method on the card you use for purchases.
In this way it will then be Scalapay to send the payment to the website on which you placed the order , providing for the completion of the purchase and the consequent shipment by the eCommerce. From this moment on you will then have to interface only with Scalapay and no longer with the online store on which you made the purchase.
For online purchases, you can learn more by browsing our guides on sites to buy shoes and sites to buy cheap online .
How it works in store with Scalapay
Up to this point in the guide we have focused on online interactions, but you can also use the service in physical stores . However, you will need to have your account details and be registered. Using your smartphone or a device with the dedicated Scalapay application, you can generate a barcode , to be shown to the shopkeeper who will forward the payment request.
To generate the barcode, enter the App and access the In store section , from here enter the payment method, specifically your bank or card, and select the store name . At this point enter the total amount of the product and confirm the payment plan. The application will generate a barcode which you will need to show to the shopkeeper at the checkout. You have 10 minutes from creating the code to accepting the payment .
Among the shops with which to pay with Scalapy we find: Nike , Nuna Lie , Replay , Clarks , Lego , Nuvolari , Bata , Liu-Jo and many others. Discover the complete list of shops on this page .
Which cards does Scalapay accept?
Scalapay allows you to use the most common payment methods, in fact, you can select the main debit and credit cards issued in Italy, linked to the MasterCard , VISA and American Express circuits . Postepay and Postepay Evolution solutions are also accepted without any problems. In this regard, you can read our guide on how to top up PostePay .
However, bear in mind that solutions linked to Maestro or Bancomat are not accepted and you will not be able to use PayPal , current account or bank transfer . For more info, you can find the most used application to pay with your phone in our guide .
What happens if you don’t pay the installments with Scalapay
Maybe you associated the payment with a prepaid card and forgot to top it up in time for the second or third installment. Scalapay offers you 24 hours to complete the payment . You will have the option of waiting for the debit until midnight of the new expiry day or accessing the dedicated app directly and going to the section called My payments .
In your Scalapay account you can select the Pay Now item and eliminate all anxiety. In the event that you do not respect this payment within 24 hours, Scalapay will apply late payment fees . The commissions are:
- 6 euros if you pay after 24 hours.
- 6+6 euros if you exceed 9 days up to 12 euros for each payment.
Keep in mind that the total commissions cannot exceed 15% of the total cost of the loan, which in this case is equivalent to the second and third installments.
How safe is Scalapay and user reviews
Scalapay manages its payments through Stripe , the world’s leading company for monitoring digital transactions. A platform of this kind has everything to lose since it invests its resources to make purchases for others.
Users who have already used the service are very satisfied, you will find countless positive comments and reviews on the web . Ease of use and zero cost make Scalapay a convenient and suitable solution for everyone. You just have to be careful not to forget to pay the two installments following the purchase, but as you may have noticed, the commissions are certainly not that prohibitive. For more information, check out the Scalapay reviews on Trustpilot .
Other frequently asked questions
How much can I spend in the shop
Your ability to make purchases and any limits are established by Scalapay’s automatic systems and do not depend on the economic availability of your card . If you have never made purchases with Scalapay, your purchasing capacity will initially be limited, to then increase with future use of the service.
How to advance or postpone payment with Scalapay
With Scalapay it is possible to anticipate the payment with respect to the deadline . To do this you must go to the Payments section , select the installment you want to pay and click on Pay Now to see the details of the installment. Click on Pay Now again to proceed with the payment. Regarding the postponement of payment, we advise you to read the chapter
How Scalapay earns
Scalapay, like other services of this type, earn with factoring or assignment of credits . This is a system whereby a company assigns a significant part of its trade receivables to a specialized operator, the Factor . The latter supports the company in accounting, financial and administrative functions.