Scalapay paymentsPrivate preview

Offer Scalapay Pay in 3 installments to your customers.

Payment flow

Below is a demonstration of the Scalapay payment flow from your checkout page:

Get started

You don’t have to integrate Scalapay and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable Scalapay. To get started with one of our hosted UIs, follow a quickstart:

• Checkout: Our prebuilt, hosted checkout page.
• Elements: Our drop-in UI components.

Other payment products

The following Stripe products also let you add Scalapay from the Dashboard:

• Payment Links

If your integration requires manually listing payment methods, learn how to manually configure Scalapay as a payment .

Payment options

The minimum charge limit is 0.50 EUR.

The maximum charge limit is 19,999.99 EUR.

Prohibited and restricted business categories

In addition to the categories of goods or services sold and businesses restricted from using Stripe overall, the following categories are prohibited from using Scalapay:

• Agricultural Cooperative
• Bowling Alleys
• Camera and Photographic Supply Stores
• Clothing Rental
• Intra-Company Purchases
• Legal Services, Attorneys
• Motorcycle Shops, Dealers
• Non-FI, Money Orders
• Recreational Vehicle Rentals
• TUI Travel - Germany
• Other categories at the discretion of Scalapay

Disputes

Scalapay has a claims process that allows transaction disputes. Customers can open disputes for cases of suspected fraud, double payments, or a difference between an order and a transaction amount.

After the customer initiates a dispute, Stripe notifies you using:

• Email
• The Stripe Dashboard
• An API charge.dispute.created event (if your integration is set up to receive webhooks)

Stripe holds back the disputed amount from your balance until Scalapay resolves the dispute.

We request that you upload compelling evidence proving that you fulfilled the purchase order using the Stripe Dashboard. This evidence can include the:

• Tracking ID
• Shipping date
• Record of purchase for intangible goods, such as IP address or email receipt
• Record of purchase for services or physical goods, such as phone number or proof of receipt
• Record of refund (for purchase you’ve already refunded)

To handle disputes programmatically, respond to disputes using the API.

This information helps Scalapay determine if a dispute is valid. Make sure the evidence you provide contains as much detail as possible from what the customer provided at checkout. You must submit the requested information within 12 calendar days. If Scalapay resolves the dispute with you winning, we return the disputed amount to your Stripe balance. If Scalapay rules in favor of the customer, the balance charge becomes permanent.

Refunds

Scalapay supports full and partial refunds. The refund period is up to 180 days after the purchase. Refunds for Scalapay payments are asynchronous and take up to 5 minutes to complete. Stripe notifies you of the final refund status using the refund.updated or refund.failed webhook event. When a refund succeeds, the Refund object’s status transitions to succeeded. If a refund fails, the Refund object’s status transitions to failed and we return the amount to your Stripe balance. You’ll then need to arrange an alternative way of providing your customer with a refund.

Connect

If you use Connect, you must consider the following before you enable and use Scalapay.

Request Scalapay capabilities for your connected accounts

Set the scalapay_payments capability to active on your platform account, and on any connected accounts you want to enable Scalapay for. You can also request more account capabilities.

Merchant of record and statement descriptors

The charge type of Connect payments might change the default statement descriptor and the merchant name that appears on the customer’s banking application and confirmation emails.

Supported currencies

You can create Scalapay payments in the currencies that map to your country. The default local currency for Scalapay is eur and customers also see their purchase amount in eur.