Accepting Scalapay as a merchant

You can contract Scalapay directly and connect it through one of its plugins, among them Shopify, WooCommerce, Magento, PrestaShop, Shopware, Salesforce and SAP Hybris. Through a payment orchestrator such as Ixopay or ProcessOut you still need a signed contract with Scalapay. Or you take it through a PSP that carries it, such as Stripe, Adyen or PayPal.

Since July 2026 Scalapay states that it is automatically available at checkout for eligible Stripe merchants in supported markets and categories. That sentence deserves a second reading. A deferred payment method with a fee several times that of a card can now appear in a checkout without anyone having negotiated it.

Scalapay's developer documentation lists Austria, Belgium, Finland, France, Germany, Italy, the Netherlands, Portugal and Spain as authorised countries, together with the French overseas departments, and the euro as the only currency. PSPs publish narrower lists for their own route: Adyen lists France, Italy, Portugal and Spain.

In store Scalapay works in two ways. The shopper generates a barcode in the Scalapay app, which the cashier scans or types into Scalapay's Partner Portal, or shop staff create the order in the portal and send the shopper a payment link that is valid for ten minutes. Both turn an instalment purchase into a counter transaction, and both run outside your terminal estate, so they need their own reconciliation.

If a share of the shoppers who would have paid by card now choose Scalapay, each of those euros moves from a card rate to a deferred payment rate. Take 5 million euro of online turnover in Italy, an average order of 150 euro, and 4% of that turnover moving to Scalapay. At Stripe's published rate those 1,333 orders cost about 10,400 euro a year. At an illustrative card rate of 1.5% plus 0.25 euro they would have cost about 3,300 euro.

The difference of about 7,100 euro a year is the price of the method unless it brings orders you would not otherwise have had. That is measurable, and it should be measured before the method is left on by default: compare conversion and order value for comparable traffic with and without Scalapay shown, and decide on the figures.

Scalapay states that returns and refunds are handled by the merchant. A full refund returns the instalments already paid and cancels the ones still open; a partial refund reduces the open instalments first. The shopper sees a plan that shrinks rather than a refund arriving, which is a different customer service conversation from a card refund.

Disputes depend on the route. Stripe documents that a shopper can open a Scalapay dispute within 210 calendar days and that Scalapay decides within 30 days; Adyen lists chargebacks as not supported. Put the dispute window and who decides into the contract, for the route you actually use.

What you pay for Scalapay is set in your agreement, not by a scheme. Start by establishing whether you are overpaying your PSP, and if Scalapay carries a material share of your Italian or French volume, set its rate against the ceiling before you renew.

Relevant markets: Italy, France, Spain, Portugal, Germany, Austria, Belgium, Netherlands, Finland