Turn browsers into buyers with Scalapay
Offer flexible payments at checkout and let customers spread the cost. You are paid the full amount upfront, we take on the payment risk, and the customer gets their order immediately.
What changes when you offer a split at checkout
The effect shows up in two places: how much people put in the basket, and how many of them finish.
Higher average order value
A shopper deciding between two items often takes both when the payment is spread. The lift is largest in categories with a wide price range.
Fewer abandoned carts
Price shock at the final screen is one of the most common reasons a basket is abandoned. A visible installment figure removes it.
You are paid upfront
Full order value settles to you on your normal schedule. You are not financing anything.
The risk sits with us
If an approved customer never pays, that is our loss. You keep the settlement.
Works online and in store
The same account covers your web checkout and the register, through a barcode or tap-to-pay.
Access to a different shopper
A large share of pay-later users are younger or have thin credit files, and would not qualify for a store card.
Four steps, on your side
From the customer picking Scalapay to the money reaching your account.
Customer selects Scalapay
At your checkout, alongside your existing payment methods.
We approve or decline
In real time. The customer sees the plan and the dates before confirming.
You ship the order
Treat it as any other paid order. Nothing about your fulfilment changes.
We settle to you in full
The full order value, minus the transaction fee, on your normal settlement schedule.
Most stores are live the same day
If you are on a supported platform, adding Scalapay is a configuration change rather than a development project.
- Shopify, WooCommerce, Stripe and Adyen are supported through their own payment configuration, so no custom code is needed. See Shopify →
- A direct API is available for custom checkouts and headless builds. API integration →
- In-store runs through an in-app barcode or tap-to-pay, so in most setups no new hardware is required.
- Testing comes first — you place test orders in a sandbox before anything is visible to customers.
Indicative for a supported platform. A custom API build depends on your own development schedule.
Where it helps and where it will not
A payment option is not a growth strategy on its own.
It tends to work when
Conditions where the lift is real.
- Your basket sits above $200That is where our range starts, and where spreading a cost actually changes a decision.
- Price is a real objectionIf shoppers hesitate at the total rather than the product, an installment figure addresses the actual blocker.
- You sell considered purchasesFurniture, electronics, travel and higher-value fashion see more benefit than impulse items.
- You show it earlyAn installment figure on the product page does more than one that appears only at the final screen.
It will not fix
Honest limits worth knowing upfront.
- A traffic problemIf people are not reaching the checkout, a payment method there cannot help.
- A product or pricing problemSplitting a price does not make an item better value.
- High return ratesReturns still cost you what they cost you. The plan adjusts, the logistics do not.
- Very low basket valuesBelow $200 you are outside our range, and a small basket rarely needs splitting anyway.
Merchant FAQ
What retailers ask before adding a payment option.
What does it cost a merchant to offer Scalapay?+
When do I get paid?+
Who carries the risk if a customer does not pay?+
How long does it take to go live?+
Does it work in physical stores as well as online?+
What happens when a customer returns an order?+
Integrations and pricing
Everything else on the business side.
Ready to talk? Send your category, average order value and monthly volume and we will quote against your actual numbers rather than a headline rate. Merchant enquiries are handled through the help centre until your account is set up.
Start an enquiryAdd a payment option.
Not a payment risk.
You are paid in full upfront on every approved order, whatever happens afterwards.