Coming soon

Scalapay

Scalapay is a buy now, pay later method. Customers pay by: three instalments.

Category
Buy now, pay later
Type
Buy now, pay later
Customer experience
Three instalments
Currencies
EUR
Markets
5 countries
Recurring
Not supported
Refunds
Full and partial
Payment links
Not supported
Hosted checkout
Supported
API
Supported
Settlement
T+2 to T+5 from the provider, net of provider fees

Available through The Vision Bank

On the roadmap. Not yet contractable — timing depends on partner and licensing progress.

Availability depends on your merchant country, legal entity, customer country, industry, risk classification, currency, product and payment-partner coverage. Nothing on this page is an offer of service.

Check eligibility

Pricing for Scalapay

One rule everywhere: the underlying provider cost plus a $1.00 per transaction Vision markup. Scheme, network and FX charges are always shown separately, at cost.

Underlying provider cost
Provider cost band, typically 2.0%–6.0% per order
Vision markup
$1.00 per transaction
What you pay
Provider cost + $1 per order
Scheme & network charges
Lender fees set by the BNPL provider and billed at cost
Currency conversion
Settled in the consumer's currency, converted on payout
Settlement
T+1 to T+7 by provider

These bands show how a price is built, not a quote. Your rate is confirmed at onboarding once your entity, industry, volume and markets are reviewed.

Partner infrastructure

Scalapay is processed through regulated infrastructure. Partner identities are disclosed only where the relationship is confirmed and cleared for publication.

  • Licensed payment partners

    Regulated payment institutions and acquirers that hold the scheme memberships and licences required to process a method.

    T+1 to T+5 depending on scheme and risk profile

Eligibility & requirements

Every merchant

  • · A registered business entity with incorporation documents
  • · Identification for directors and beneficial owners (KYC / KYB)
  • · Description of the business model, products and customer base
  • · Expected monthly volume, average transaction size and target markets
  • · A live website or product with clear terms, refund and privacy policies
  • · Sanctions, AML and risk screening of the entity and its owners

Entity

  • · Registered entity
  • · Consumer-facing products in a supported category

Technical

  • · Order and instalment status webhooks
  • · Refund handling per instalment

Compliance

  • · Lender approval of your industry
  • · Consumer credit disclosure requirements

Markets where customers use it