Scalapay

0 standards supported

Overview

Scalapay is Italy's leading buy-now-pay-later (BNPL) provider, operated by Scalapay S.r.l. [1]. Founded in 2019, Scalapay lets shoppers split purchases into three interest-free instalments (Pay-in-3) or pay later, integrating at thousands of online and in-store merchants across Southern and Western Europe. In 2022 Scalapay reached unicorn status after a Tencent- and Willoughby Capital-backed funding round [2]. Its core markets are Italy, France, Spain, Portugal, Germany and the Benelux/Nordics [1].

History

2019 — Founded [1] by Simone Mancini and Johnny Mitrevski; headquartered in Milan with engineering in Australia.

2021 — Tiger Global-led Series A [1]: Major US growth-equity backing fuels European expansion.

2022 — Reaches unicorn status [2]: A round led by Tencent and Willoughby Capital values Scalapay above $1B; acquisition of German BNPL Cabify-adjacent assets and payment-services capabilities.

2022-2025 — Expansion across Europe + checkout breadth [1]: Growth into Spain, Portugal, Germany, Benelux and Nordics; added Pay-in-4 and longer instalment options.

Ownership & operator

Operating entity: Scalapay S.r.l. (Milan, Italy).

Founders: Simone Mancini (CEO) and Johnny Mitrevski (CTO).

Major investors: Tencent, Willoughby Capital, Tiger Global, Gangwal/Fasanara and others.

Regulators:

Italy: Banca d'Italia oversight of credit/payment activity.
Other EU markets: per-country regulators under the EU consumer-credit framework.

Technical integration

Scalapay is a Pay-in-3 / Pay-in-4 instalment BNPL [1]:

Layer	Description
Channels	Scalapay app (iOS + Android) + merchant web/in-store checkout
Identifiers	Email + phone number + card number
Core products	Pay in 3 (interest-free), Pay in 4, pay-later
Card network	Visa / Mastercard (instalment debits)
Merchant integration	Checkout plugins for major e-commerce platforms + API

Implementations & partners

Operator: Scalapay S.r.l.

Markets: Italy, France, Spain, Portugal, Germany, Benelux, Nordics.

Competitors: [[klarna]], [[alma]], [[afterpay]] (Clearpay in EU), PayPal Pay in 3, Soisy, [[sezzle]].

Status

Active, leading Italian/Southern-European BNPL [1, 2]:

Scalapay S.r.l. (Milan).
Unicorn since 2022 (Tencent/Willoughby round).
Operates across Italy, France, Spain, Portugal, Germany and the Benelux/Nordics.

Sources

Source

Biography extracted from scalapay.md. See matrix.md for standards-support matrix if present.