Scalapay

Scalapay is an Italian buy-now-pay-later (BNPL) payment provider that lets shoppers split a purchase into instalments — pay in 3, pay in 4, or pay later — while the merchant is settled by Scalapay. Its REST API is a compact, order-centric surface: create an instalment order, redirect the shopper to Scalapay Checkout, then capture, delay, void or refund against the order token, with a parallel in-store and offline pay-by-link family authenticated by a device-scoped key, plus reporting endpoints for reconciling orders, refunds, payouts and disputes against Scalapay's bank transfers. Merchants integrate through a CDN-loaded web component (the Scalapay Suite Widget) on the product, cart and checkout pages, or through prebuilt modules for Magento, WooCommerce, PrestaShop, Shopify, Shopware, BigCommerce, VTEX, Salesforce and others. Scalapay operates in EUR across 14 authorised European territories.

Scalapay publishes 1 API on the APIs.io network. Tagged areas include Payments, Buy Now Pay Later, BNPL, Instalments, and E-Commerce.

The Scalapay catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Scalapay’s developer surface includes documentation, API reference, getting-started guide, support, signup flow, authentication, sandbox, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub
53.0/100 developing ▬ flat Agent 50/100 agent native Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1
1 APIs
PaymentsBuy Now Pay LaterBNPLInstalmentsE-CommerceCheckoutFinancial ServicesPoint of SaleReconciliationEuropeCompany

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1
Composite quality — 53.0/100 · developing
Contract Quality 17.5 / 25
Developer Ergonomics 12.9 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 5.1 / 13
Governance 1.4 / 12
Discoverability 8.7 / 10
Agent readiness — 50/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/scalapay: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Scalapay API

Interact with Scalapay. Create and update instalment orders, capture, delay, void and refund payments against the order token, run device-authenticated in-store and offline pay-...

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Scalapay Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Scalapay Authentication

apiKey · 2 schemes

SECURITY

Scalapay Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
Login
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 Components
Components
 ErrorCatalog
ErrorCatalog
 ErrorCodes
ErrorCodes
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
Webhooks

Scroll for all 9

Build 3

SDKs, sample code, and the tooling you integrate with

SourceCode
SourceCode
 Packages
Packages
 SDKs
SDKs

Access & Security 3

Authentication, authorization, and security posture

Compliance
Compliance
 Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support
Support
 HelpCenter
HelpCenter
 StatusPage
StatusPage
 ChangeLog
ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: scalapay
name: Scalapay
description: 'Scalapay is an Italian buy-now-pay-later (BNPL) payment provider that lets shoppers split a purchase into instalments
  — pay in 3, pay in 4, or pay later — while the merchant is settled by Scalapay. Its REST API is a compact, order-centric
  surface: create an instalment order, redirect the shopper to Scalapay Checkout, then capture, delay, void or refund against
  the order token, with a parallel in-store and offline pay-by-link family authenticated by a device-scoped key, plus reporting
  endpoints for reconciling orders, refunds, payouts and disputes against Scalapay''s bank transfers. Merchants integrate
  through a CDN-loaded web component (the Scalapay Suite Widget) on the product, cart and checkout pages, or through prebuilt
  modules for Magento, WooCommerce, PrestaShop, Shopify, Shopware, BigCommerce, VTEX, Salesforce and others. Scalapay operates
  in EUR across 14 authorised European territories.'
url: https://raw.githubusercontent.com/api-evangelist/scalapay/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-02'
modified: '2026-08-02'
image: https://cdn.prod.website-files.com/614b9948e0cc06785c60efe7/67c9cc48ae95dd9c93be62c3_favicon-256.png
tags:
- Payments
- Buy Now Pay Later
- BNPL
- Instalments
- E-Commerce
- Checkout
- Financial Services
- Point of Sale
- Reconciliation
- Europe
- Company
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: scalapay:scalapay-api
  name: Scalapay API
  description: Interact with Scalapay. Create and update instalment orders, capture, delay, void and refund payments against
    the order token, run device-authenticated in-store and offline pay-by-link orders, and pull reconciliation reporting for
    orders, refunds, payouts and disputes. Twenty operations across three tags (Orders, Instore, Reporting) on two version
    prefixes.
  humanURL: https://developers.scalapay.com/reference/api-architecture
  baseURL: https://api.scalapay.com
  tags:
  - Orders
  - Payments
  - Instore
  - Reporting
  - Refunds
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/scalapay-openapi-original.yml
  - type: Overlay
    url: overlays/scalapay-overlay.yaml
  - type: Documentation
    url: https://developers.scalapay.com/docs/get-started-with-scalapay
  - type: APIReference
    url: https://developers.scalapay.com/reference/api-architecture
  - type: Sandbox
    url: sandbox/scalapay-sandbox.yml
common:
- type: Website
  url: https://www.scalapay.com/
- type: DeveloperPortal
  url: https://developers.scalapay.com/
- type: Documentation
  url: https://developers.scalapay.com/docs/get-started-with-scalapay
- type: APIReference
  url: https://developers.scalapay.com/reference/api-architecture
- type: GettingStarted
  url: https://developers.scalapay.com/docs/get-started-with-scalapay
- type: Support
  url: https://help.scalapay.com/
- type: HelpCenter
  url: https://merchant-help.scalapay.com/
- type: SignUp
  url: https://portal.scalapay.com/signup
- type: Login
  url: https://partner.scalapay.com/login
- type: TermsOfService
  url: https://www.scalapay.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.scalapay.com/privacy
- type: Compliance
  url: https://www.scalapay.com/legals
- type: StatusPage
  url: https://status.scalapay.com/
- type: SourceCode
  url: https://bitbucket.org/scalapay
- type: Authentication
  url: authentication/scalapay-authentication.yml
- type: Conventions
  url: conventions/scalapay-conventions.yml
- type: Idempotency
  url: conventions/scalapay-conventions.yml
- type: Packages
  url: packages/scalapay-packages.yml
- type: SDKs
  url: packages/scalapay-packages.yml
- type: Sandbox
  url: sandbox/scalapay-sandbox.yml
- type: Components
  url: components/scalapay-components.yml
- type: ErrorCatalog
  url: errors/scalapay-problem-types.yml
- type: ErrorCodes
  url: errors/scalapay-error-codes.yml
- type: Lifecycle
  url: lifecycle/scalapay-lifecycle.yml
- type: ChangeLog
  url: changelog/scalapay-changelog.yml
- type: Conformance
  url: conformance/scalapay-conformance.yml
- type: DataModel
  url: data-model/scalapay-data-model.yml
- type: Webhooks
  url: asyncapi/scalapay-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/scalapay-llms.txt
- type: DomainSecurity
  url: security/scalapay-domain-security.yml
x-enrichment:
  date: '2026-08-02'
  status: enriched
  artifacts_added: 23
  pass: local-v1