Buy Now, Pay Later platform processing installment payments across retail and e-commerce
Scalapay operates a BNPL network across over 10,000 brands in Europe, monetizing through merchant commissions while offering interest-free installments to consumers. The tech stack—AWS, SageMaker, Feast, Python, GraphQL, React—reflects a data-heavy risk and pricing operation; the project list (fraud detection, credit bureau integration, loan securitization, payment routing optimization) signals infrastructure maturation toward institutional lending. Sales-dominant hiring (8 of 17 open roles) indicates merchant expansion is the near-term growth vector.
Scalapay is a Buy Now, Pay Later fintech founded in 2019, headquartered in Dublin. The service defers consumer payments across interest-free installments, funded by retail and e-commerce merchant fees; the consumer experience is free. The platform is live across over 10,000 online and physical retail locations. Merchant economics are structured around AOV uplift and conversion improvement, with repeat-purchase incentives driving retention. Operations span fraud mitigation, credit risk management, settlement logistics, and merchant onboarding—typical for an institutional BNPL provider scaling across geographies.
AWS, SageMaker, Feast, Python, GraphQL, React, Next.js, Node.js, TypeScript, MySQL, DynamoDB, Redis, and Flutter. HubSpot for CRM; Amplitude for analytics; BrowserStack for testing.
Account management frameworks, self-service merchant pipelines, payment routing optimization, fraud detection, credit bureau integration, loan securitization, and subscription pricing models.
Scalapay's technology stack, projects, and hiring signals are inferred from public hiring and company data — career pages, public listings, and company web presence — then clustered and de-duplicated. Figures are estimates that refresh over time. Read our full methodology →
This is not an official vendor or customer list. It is a technology-adoption signal inferred from public data, intended for B2B research.