What it costs to offer Scalapay
We do not publish a single headline rate, because a rate quoted without knowing your category, order value and volume would be meaningless. Here is exactly how pricing is built and what moves it.
How the pricing is built
Most of what merchants want to know is not the number, it is which components exist.
| Component | What it is | Who pays |
|---|---|---|
| Transaction fee | A percentage of the order value, plus a fixed amount per transaction | Merchant |
| Consumer cost | Pay in 3 and Pay Later are 0% to the shopper | Nobody |
| Payment risk | Losses on approved orders that are never paid | Scalapay |
| Collection and reminders | Chasing installments, rescheduling, support | Scalapay |
| Refund handling | Reconciled against the original transaction | Per your agreement |
| Integration | Platform apps and API access | No separate charge |
Your specific commercial terms are set out in your agreement. Nothing is added later that was not agreed upfront.
Six things that change the number
These are the inputs we actually use when quoting.
Your category
Return rates and dispute rates differ enormously between fashion, electronics and travel, and the rate reflects that.
Average order value
A $2,000 average behaves differently from a $250 one, both in risk and in the fixed per-transaction component.
Monthly volume
Higher volume gives us more predictable exposure, which is normally reflected in the rate.
Plan mix
Whether your customers mostly choose a short split or longer financing changes the economics.
Refund and dispute history
A clean record is worth something. A high refund rate costs us more to service.
Online, in store, or both
Different channels carry different fraud and dispute profiles.
Work out whether it pays for itself
Comparing our fee against your card rate is the wrong comparison, because you are buying something different. Here is the calculation that actually matters.
- Start with the extra revenue, not the fee. What did average order value do, and what did completed checkouts do?
- Multiply the lift by your gross margin, not by revenue. A 40% margin business needs less lift than a 12% one to break even.
- Subtract the transaction fees on Scalapay orders only, not on your whole volume.
- Then decide. If order value and conversion did not move at all, the fee is not being earned back and you should say so.
Illustrative proportions only. Run it on your own margin and your own measured lift, not on ours.
We would rather quote properly than quickly. A rate given without knowing your category and order value would be a number we later had to revise. Send us the basics and you will get a figure you can actually plan against.
Get a quotePricing FAQ
What merchants ask before requesting a quote.
How much does Scalapay charge merchants?+
What am I actually paying for?+
Are there setup or monthly fees?+
Do I pay anything when a customer returns an order?+
Is it more expensive than card processing?+
How do I work out whether it is worth it?+
Integrations and setup
Get a rate against
your actual numbers.
Send your category, average order value and monthly volume and we will quote properly.