Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.
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Founded in 2019 as a pure-play Buy Now, Pay Later platform targeting Europe's underdeveloped installment credit market, Scalapay grew rapidly in Southern Europe (Italy, France, Spain, Portugal) by offering zero-interest Pay-in-3/Pay-in-4 to consumers while paying merchants immediately. It expanded from online-only to in-store via the Marqeta virtual card partnership in 2023, and deepened its credit stack with institutional financing from the EIB in 2024–2025. The Lendismart partnership in 2025 signals a push to embed Scalapay as a rail within third-party POS lending platforms rather than only operating its own checkout widget.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #122 of 255 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/scalapay/install" width="1" height="1" alt="" style="display:none">2 companies are linked to Scalapay in the Embedded Finance Index 2026, through their own public disclosures or Scalapay's published customer list, including Cegid and Alpitour.
Scalapay is an embedded-finance provider in Lending. It ranks #122 of 255 Lending providers by linked companies.
The most-named Lending alternatives to Scalapay are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Scalapay was founded by Simone Mancini and Johnny Mitrevski and is founded in 2019, headquartered in Milan, Italy (with offices in Paris, Monaco, Sydney).
Scalapay has raised $727M+ in total.
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