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 3 APIs on the APIs.io network: Instore API, Orders API, and Reporting API. 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 26 more developer resources.

🌐 Visit website 📡 Source on GitHub

51.1/100 developing ▬ flat Agent 37/100 agent ready Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

3 APIs 1 MCP Servers

Payments Buy Now Pay Later BNPL Instalments E-Commerce Checkout Financial-Services Point-of-Sale Reconciliation Europe Company

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 51.1/100 · developing

Contract Quality 13.2 / 21

Developer Ergonomics 8.8 / 17

Access Clarity 6.0 / 17

Operational Transparency 4.9 / 11

Contract Governance 1.7 / 10

Discoverability 6.9 / 9

Regulatory Posture 7.0 / 15

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 3

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

Components

ErrorCatalog

ErrorCodes

Lifecycle

Conformance

DataModel

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

HelpCenter

StatusPage

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

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: '0.23'
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
tags_raw:
- 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-instore-api
  name: Scalapay Instore API
  description: The Instore API from Scalapay — 6 operation(s) for instore.
  humanURL: https://developers.scalapay.com/reference/api-architecture
  baseURL: https://api.scalapay.com
  tags:
  - In-Store
  tags_raw:
  - Instore
  properties:
  - type: OpenAPI
    url: openapi/scalapay-instore-api-openapi.yml
  - 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
- aid: scalapay:scalapay-orders-api
  name: Scalapay Orders API
  description: The Orders API from Scalapay — 8 operation(s) for orders.
  humanURL: https://developers.scalapay.com/reference/api-architecture
  baseURL: https://api.scalapay.com
  tags:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/scalapay-orders-api-openapi.yml
  - 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
- aid: scalapay:scalapay-reporting-api
  name: Scalapay Reporting API
  description: The Reporting API from Scalapay — 6 operation(s) for reporting.
  humanURL: https://developers.scalapay.com/reference/api-architecture
  baseURL: https://api.scalapay.com
  tags:
  - Reporting
  properties:
  - type: OpenAPI
    url: openapi/scalapay-reporting-api-openapi.yml
  - 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: MCPServer
  url: mcp/scalapay-mcp.yml
- type: Overlay
  url: overlays/scalapay-overlay.yaml
- 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

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Scalapay

Kin Score

APIs 3

Scalapay Instore API

Scalapay Orders API

Scalapay Reporting API

Open Collections 4

API Collection