How Scalapay works, start to finish
Four steps from basket to doorstep, then a fixed schedule you agreed to before anything was charged. No revolving balance and no surprises after checkout.
Four steps, and only two involve you
The middle two happen without you doing anything.
Add to cart
Shop as normal at any partner store, online or in person.
Choose Scalapay
It appears alongside cards and wallets. Sign up here if you have not already.
Pick your plan
Pay in 3, Pay in 4, Pay Later or monthly financing. The schedule appears before you confirm.
Get it now
Your order ships immediately and payments run on the dates you agreed.
Which one to pick at the payment step
All four cover orders from $200 to $5,000. The difference is the rhythm and the cost.
| Plan | Payments | Timeframe | Cost | Best for |
|---|---|---|---|---|
| Pay in 3 | 3 | Over 2 months | 0% interest | Everyday orders |
| Pay in 4 | 4 | Over 3 months | Small first-payment fee | Smaller payments |
| Pay Later | 1 | 14 days after shipping | 0% interest | Try before you buy |
| Monthly financing | 6 to 36 | Up to 36 months | Bank-provided rate | Bigger purchases |
What happens once the order is placed
The part that is easy to forget about until a payment lands.
Payments are automatic
Charged to the card you registered on the dates you confirmed. Nothing needs doing each month.
You get a reminder first
An email before every charge, so a declined card is something you can fix in advance.
You can reschedule
Move a due date in the app before it lands. It is built in and costs nothing. How it works →
Returns adjust the plan
Refunds cancel or reduce what is left. How refunds work →
Paying early is free
No penalty, and your available limit frees up straight away. How limits work →
Your limit grows with you
On-time payments raise what you can spend on the next order.
How it works FAQ
The basics people ask before their first order.
How does Scalapay work?+
Do I need an account before I shop?+
What plans can I choose from?+
How do payments get taken?+
Can I use it in a physical shop?+
What if I need to change a payment date?+
Keep reading
Approval
Shopping without a hard credit check
What we look at instead of a credit file when you apply.
Limits
How your spending limit works — and grows
Why a first order is capped lower, and what moves the number up.
Compare
Pay in 3 or Pay in 4: which one to pick
Smaller payments versus zero added cost, decided before checkout.
Two minutes to set up.
Then just shop.
Sign up once and Scalapay appears at every partner checkout, online and in store.