# Scalapay

**Canonical:** https://apis.io/providers/scalapay/  
**Website:** https://www.scalapay.com/  
**APIs profiled:** 3

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.

## Kin Score — 51.1 / 100 (developing)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 51.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 61.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 51.8 |
| Commercial Clarity | 35.5 |
| Access Clarity | 35.5 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 36.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (3)

- **Scalapay Instore API** — The Instore API from Scalapay — 6 operation(s) for instore.
- **Scalapay Orders API** — The Orders API from Scalapay — 8 operation(s) for orders.
- **Scalapay Reporting API** — The Reporting API from Scalapay — 6 operation(s) for reporting.

## MCP servers (1)

- **Scalapay MCP Server**

## Security (2)

- **Scalapay Authentication** — apiKey · 2 schemes
- **Scalapay Domain Security** — TLSv1.2 · HSTS · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/scalapay/). Scores are computed from the provider's own public artifacts under a published rubric.