# Scalapay payments

Use Scalapay to pay in 3 or 4 installments.

[Scalapay](https://scalapay.com/) is an Italian buy now, pay later payment method that lets your customers pay in 3 or 4 installments. When your customers select Scalapay, Stripe redirects them to the Scalapay payment page, where they can choose the number of installments and complete the purchase. You can create Scalapay payments in the currencies available for your country. The default local currency for Scalapay is EUR.
Payment method family: Buy Now, Pay Later
Usability: Single-use
Access type: Instant provisional access
Payment confirmation timing: Immediate
Settlement timing: Standard payout schedule
Pricing: https://stripe.com/it-it/pricing/local-payment-methods#scalapay
## Eligibility and availability 

### Account eligibility
Business location: AT, AU, BE, CA, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, IE, IT, LI, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SG, SI, SK, US
Account type: ✓ Merchant, ✓ Platform or marketplace (Connect)
Business model: ✗ B2B, ✓ B2C
Business category: View list of prohibited and restricted business categories
### Prohibited and restricted business categories 

In addition to the businesses listed in [Prohibited and restricted businesses](https://stripe.com/restricted-businesses), Scalapay doesn’t support the following categories:

- Construction and trade services
- Automotive and vehicle dealers
- Transportation and logistics services
- Telecommunications and digital goods
- Agricultural services
- Repair services
- Financial and money services
- Gambling and betting
- Professional and business services
- Direct marketing
- Real estate
- Industrial and wholesale suppliers
- Government, political, and religious organizations

Even if an activity isn’t listed as prohibited, your business might still be ineligible for Scalapay due to risk-related reasons.

Stripe accounts in the following countries can accept Scalapay payments that settle in a supported currency.

AMER: CA, US

EMEA: AT, BE, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, IE, IT, LI, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI, SK

APAC: AU, SG

Customers in the following countries can use Scalapay.

EMEA: AT, BE, DE, ES, FI, FR, IT, NL, PT

### Payment support
Customer location: AT, BE, DE, ES, FI, FR, IT, NL, PT
Presentment currency: EUR
Geographic coverage: ✓ Domestic, ✓ Crossborder
Transaction limits: Minimum amount: 5.00 EUR

Maximum amount: 4,999.99 EUR
Scalapay payments have a minimum amount of 5.00 EUR and a maximum amount of 4,999.99 EUR.

### Payment options

### IT

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

### AT

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

### BE

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

### DE

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

### ES

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

### FI

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

### FR

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

### NL

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

### PT

| Payment option | Description | Amount range |
| --- | --- | --- |
| Pay in 3 | 3 installments | EUR 5–EUR 5,000 |
| Pay in 4 | 4 installments | EUR 5–EUR 5,000 |

## Capabilities 
Recurring payments: ✗ Not supported

Payment authorizations:
  ✗ Extended authorizations
  ✗ Flexible extended authorizations
  ✗ Incremental authorizations
  ✗ Decremental authorizations
  ✗ Re-authorizations

Payment captures:
  ✓ Manual capture
  ✓ Partial capture
  ✗ Multi-capture
  ✗ Over-capture

Refunds:
  ✓ Partial refunds
  ✓ Full refunds
  Submission window: 90 days
  Processing time: 5 minutes

Disputes:
  ✗ Partial disputes
  ✓ Full disputes
  Submission window: 210 days
### Refunds 

You have 90 days from the original payment to submit a refund using the [Dashboard](https://dashboard.stripe.com/payments) or [Refunds API](https://docs.stripe.com/api/refunds/create.md).

#### Refund process 

When you refund a Scalapay payment, Scalapay updates the customer’s installment plan. For a full refund, Scalapay cancels the remaining installments and refunds the amounts already paid. For a partial refund, Scalapay adjusts the installment plan based on the reduced order total.

#### Track refunds 

To check a refund’s status in the [Dashboard](https://dashboard.stripe.com/payments), open the payment and click **View details** on the refund entry. You can also [retrieve the Refund object](https://docs.stripe.com/api/refunds/retrieve.md) and check its `status` field.

Stripe sends a `refund.updated` or `refund.failed` *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) event when the refund reaches its final status. For a successful refund, the [Refund](https://docs.stripe.com/api/refunds/object.md) object has a `status` of `succeeded`. If the refund fails, its status changes to `failed`, and Stripe returns the amount to your Stripe balance. You must refund the customer using another method.

### Disputes 

Customers can dispute a Scalapay payment within 210 calendar days of the purchase date. Each payment can be disputed only once.

#### Dispute process 

1. **Dispute opened**: Scalapay opens the dispute, and Stripe immediately withholds the disputed amount from your balance. You have 7 calendar days to submit evidence.
2. **Decision**: Scalapay reviews your evidence and issues a final decision within 30 calendar days after the dispute is created.

#### Dispute notifications 

When a Scalapay dispute is opened, Stripe notifies you through:

- Email
- The [Stripe Dashboard](https://dashboard.stripe.com/disputes)
- A [charge.dispute.created](https://docs.stripe.com/api/events/types.md#event_types-charge.dispute.created) webhook event

The dispute reason appears in the Dashboard and in the `reason` field of the [Dispute](https://docs.stripe.com/api/disputes/object.md) object. The evidence submission deadline appears in the Dashboard and in the object’s `evidence_details.due_by` field.

#### Respond to disputes 

You have 7 calendar days after the dispute is created to submit evidence.

Provide evidence that demonstrates you fulfilled the order. This can include tracking information, shipping and delivery dates, order records, customer communications, and proof of any refund you’ve issued.

Submit evidence and manage Scalapay disputes in the [Dashboard](https://dashboard.stripe.com/disputes) or with the [Disputes API](https://docs.stripe.com/api/disputes/update.md). In the Dashboard, on the **Needs Response** tab, select the disputed payment, and then click **Counter dispute** to submit evidence or **Accept dispute** to accept the loss.

To submit evidence through the API, upload supporting files using the [Files API](https://docs.stripe.com/api/files/create.md). Include the returned file IDs in the evidence when you update the [Dispute Evidence](https://docs.stripe.com/api/disputes/update.md) object.

#### Dispute outcomes 

If Scalapay resolves the dispute in your favor, Stripe returns the disputed amount to your Stripe balance.

If they rule in favor of the customer, the balance charge becomes permanent.

You can submit evidence only once for a Scalapay dispute. Gather all supporting evidence before submitting it because you can’t add more afterward.

## Stripe product support 
Checkout UIs:
  ✓ Full page (Recommended)
  ✓ Payment Links
  ✓ Embedded form
  ✓ Payment Element
  ✗ Express Checkout Element
  ✓ In-app payments

Products:
  ✗ Managed Payments
  ✗ Billing
  ✗ Invoicing
  ✗ Customer Portal
  ✗ Radar
  ✗ Terminal
  ✓ Connect

APIs:
  ✓ Checkout Sessions (Recommended)
  ✓ Payment Intents
  ✗ Payment Intents with setup_future_usage
  ✗ Setup Intents
### Product limitations 

Review these limitations before you add Scalapay to your integration:

- Checkout doesn’t support Scalapay in subscription mode or setup mode.
- Express Checkout Element doesn’t support Scalapay.

## Connect 

You can use [Stripe Connect](https://docs.stripe.com/connect/how-connect-works.md) with Scalapay to process payments on behalf of connected accounts. Connected accounts must have the `scalapay_payments` capability enabled. For more information, see [Connect payment method capabilities](https://docs.stripe.com/connect/account-capabilities.md).

## Customer experience 

#### 1. Select payment method

The customer selects Scalapay at checkout.

#### 2. Redirect to Scalapay

The customer is redirected from your website or app to Scalapay's hosted payment page.

#### 3. Choose a payment plan

The customer chooses Pay in 3 or Pay in 4 and authorizes the payment on Scalapay's hosted page.

#### 4. Payment complete

The customer sees a confirmation from Scalapay and returns to your website or app. Stripe immediately notifies you whether the payment succeeded or failed.

### Transaction identifiers 

After a Scalapay payment succeeds, expand `latest_charge` on the `PaymentIntent` and retrieve the Scalapay transaction ID from `latest_charge.payment_method_details.scalapay.transaction_id`. Give this ID to customers so they can identify the payment when contacting Scalapay support.

## Enable Scalapay 

If you use Stripe front-end products, enable Scalapay in your [payment method settings](https://dashboard.stripe.com/settings/payment_methods). Stripe automatically displays the payment methods most relevant to each customer.

If your integration lists payment methods manually, learn how to [configure Scalapay as a payment method](https://docs.stripe.com/payments/scalapay/accept-a-payment.md).