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.