“Scalapay is an innovative way to pay that allows clients to make purchases in physical stores and online, receive products immediately, and pay in three convenient equal instalments with a monthly due date.
The service does not charge an additional fee to the client if the instalments are paid by the due date.
When the purchase is made, the first instalment will be charged immediately (equivalent to a third of the total purchase amount). The next 2 instalments will be charged monthly.
First instalment: at the time of purchase
Second instalment: 1 month after the purchase date
Third and final instalment: 2 months after the purchase date
Scalapay pays the vendor the total purchase amount immediately and assumes all risks of fraud or failure to pay.”
“How much does it cost?
Scalapay is completely free for those that make purchases, as long as the amounts are paid by the agreed due dates.
You will only be charged for a late payment if one or more of the planned instalments is not paid by the due date.
Scalapay will remind you a few days before the due date of each instalment via SMS or email.
Late payment fee
If you have not made the payment before the due date and the automatic payment is not made correctly, you will have 24 hours to finalise the payment. If this does not happen, Scalapay will charge a late payment fee, as explained below:
Payment made before the due date: no charge!
Payment delayed more than 24 hours: 1.20 EUR additional fee
Payment delayed more than 9 days: 1.20 EUR additional fee (plus the previous fee)
The total fee will not exceed 15% of the total purchase amount (second and third instalment).
We are aware that certain situations may arise that prevent payments from being made on time. If you think that this applies to your case, please send an email to support@scalapay.com before the payment due date and we will try our best to help you.”
“Your purchasing power depends on several factors. These include the store in which you are buying, the type of card you are using, if you have already made a purchase with Scalapay, and if you paid for your previous purchases on time.
If you are a new client and you have never made a purchase with Scalapay, your purchasing power could be limited and will increase as you make more purchases with Scalapay without any payment delays.
Remember that:
Your purchasing power does not depend on the credit on your card.
Scalapay does not use external sources to evaluate each client’s financial situation.
Scalapay does not offer detailed information about the purchasing power of any individual client.”
When the purchase is made, the first instalment will be charged immediately (equivalent to a third of the total purchase amount). The next 2 instalments will be charged monthly.
First instalment: at the time of purchase
Second instalment: 1 month after the purchase date
Third and final instalment: 2 months after the purchase date
Each instalment will be charged automatically on the predefined card on the payment due date.”
