# Scalapay

> Source: https://docs.barcoder.ai/docs/wallets/scalapay
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Scalapay — official](https://www.scalapay.com/)

## Overview

**Scalapay** is **Italy's leading buy-now-pay-later (BNPL) provider**, operated by **Scalapay S.r.l.** <sup>[1][1]</sup>. Founded in **2019**, Scalapay lets shoppers split purchases into three interest-free instalments (Pay-in-3) or pay later, integrating at thousands of online and in-store merchants across Southern and Western Europe. In **2022** Scalapay reached **unicorn** status after a Tencent- and Willoughby Capital-backed funding round <sup>[2][2]</sup>. Its core markets are **Italy, France, Spain, Portugal, Germany and the Benelux/Nordics** <sup>[1][1]</sup>.

## History

**2019 — Founded** <sup>[1][1]</sup> by Simone Mancini and Johnny Mitrevski; headquartered in Milan with engineering in Australia.

**2021 — Tiger Global-led Series A** <sup>[1][1]</sup>: Major US growth-equity backing fuels European expansion.

**2022 — Reaches unicorn status** <sup>[2][2]</sup>: A round led by Tencent and Willoughby Capital values Scalapay above $1B; acquisition of German BNPL Cabify-adjacent assets and payment-services capabilities.

**2022-2025 — Expansion across Europe + checkout breadth** <sup>[1][1]</sup>: Growth into Spain, Portugal, Germany, Benelux and Nordics; added Pay-in-4 and longer instalment options.

## Ownership & operator

**Operating entity**: **Scalapay S.r.l.** (Milan, Italy).

**Founders**: Simone Mancini (CEO) and Johnny Mitrevski (CTO).

**Major investors**: Tencent, Willoughby Capital, Tiger Global, Gangwal/Fasanara and others.

**Regulators**:
- **Italy**: Banca d'Italia oversight of credit/payment activity.
- **Other EU markets**: per-country regulators under the EU consumer-credit framework.

## Technical integration

Scalapay is a **Pay-in-3 / Pay-in-4 instalment BNPL** <sup>[1][1]</sup>:

| Layer | Description |
|---|---|
| **Channels** | Scalapay app (iOS + Android) + merchant web/in-store checkout |
| **Identifiers** | Email + phone number + card number |
| **Core products** | Pay in 3 (interest-free), Pay in 4, pay-later |
| **Card network** | Visa / Mastercard (instalment debits) |
| **Merchant integration** | Checkout plugins for major e-commerce platforms + API |

## Implementations & partners

**Operator**: **Scalapay S.r.l.**

**Markets**: Italy, France, Spain, Portugal, Germany, Benelux, Nordics.

**Competitors**: [Klarna](https://docs.barcoder.ai/docs/wallets/klarna), [Alma](https://docs.barcoder.ai/docs/wallets/alma), [Afterpay (Clearpay in UK)](https://docs.barcoder.ai/docs/wallets/afterpay) (Clearpay in EU), PayPal Pay in 3, Soisy, [Sezzle](https://docs.barcoder.ai/docs/wallets/sezzle).

## Status

**Active, leading Italian/Southern-European BNPL** <sup>[1][1], [2][2]</sup>:
- **Scalapay S.r.l.** (Milan).
- Unicorn since 2022 (Tencent/Willoughby round).
- Operates across Italy, France, Spain, Portugal, Germany and the Benelux/Nordics.

## Sources

[1]: https://en.wikipedia.org/wiki/Scalapay "Scalapay — Wikipedia"
[2]: https://techcrunch.com/2022/02/22/scalapay-raises-497m-at-a-1b-valuation/ "Scalapay unicorn round — TechCrunch"
[3]: https://www.scalapay.com/ "Scalapay — official site"

- [1] [Scalapay — Wikipedia][1]
- [2] [Scalapay unicorn round — TechCrunch][2]
- [3] [Scalapay — official site][3]

## Source

Biography extracted from [scalapay.md](https://docs.barcoder.ai/source/wallets/scalapay). See `matrix.md` for standards-support matrix if present.