Scalapay

Scalapay is a Milan-based Italian BNPL (buy-now-pay-later) solution operated by **Scalapay S.r.l.** (Via Nervesa 21, 20139 Milano; VAT IT 06891080480; REA MI-2606390), founded in 2019. The core product splits purchases into three equal interest-free monthly installments for online and in-store retail, with a merchant-funded model where consumers pay no fees. The company serves 1,500+ merchants across Italy, France, Germany, Spain, Portugal, Austria, Belgium, the Netherlands, and Finland — covering fashion, electronics, home goods, sports, and travel verticals. Developer API is available at developers.scalapay.com, with integrations for major e-commerce platforms. For an EU-sovereignty audit Scalapay is Italian-incorporated (a genuine Italian S.r.l. with Milan registration) but the cap table is heavily US-weighted. The company raised **$48M in January 2021** (Series A led by Fasanara Capital, UK) and then **$155M in September 2021** at a **$700M post-money valuation** in a Series B round that included **Tiger Global Management** (New York), **Woodson Capital** (US), **Willoughby Capital** (US), and **Baleen Capital** (US) as US-VC participants alongside European backers. Tiger Global's participation at lead or co-lead in the Series B places Scalapay firmly in the `eu_hq_us_funded` tier under the directory's ownership taxonomy. No public DPA, sub-processors list, or explicit EU data-residency commitment was found on accessible public pages at audit. Pricing for merchants is commission-based per transaction (no monthly fee); consumer installment split is interest-free. Best fit: Italian and Southern European online retailers wanting a local-brand BNPL option with Italian-language support and a familiar domestic brand to consumers in Italy and adjacent markets.