# 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 properties - **Customer locations** EU - **Presentment currencies** EUR - **Payment confirmation** Customer-initiated - **Payment method family** Buy Now, Pay Later - **Recurring payments** No - **Payout timing** Standard - **Connect support** Yes - **Dispute support** [ Yes ](https://docs.stripe.com/payments/scalapay.md#disputed-payments) - **Manual capture support** [ Yes ](https://docs.stripe.com/payments/scalapay/accept-a-payment.md) - **Refunds / Partial refunds** [ Yes ](https://docs.stripe.com/payments/scalapay.md#refunds) / [ Yes ](https://docs.stripe.com/payments/scalapay.md#refunds) #### Business locations Stripe accounts in the following countries can accept Scalapay payments that settle in a supported currency. - 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 #### Product support - Connect - Payment Links - [Checkout](https://docs.stripe.com/payments/scalapay/accept-a-payment.md?payment-ui=checkout)1 - [Elements](https://docs.stripe.com/payments/scalapay/accept-a-payment.md?payment-ui=elements&api-integration=checkout)2 1Not supported when using Checkout in [subscription mode or setup mode](https://docs.stripe.com/api/checkout/sessions/create.md#create_checkout_session-mode). 2Express Checkout Element doesn’t support Scalapay. ## Payment flow Below is a demonstration of the Scalapay payment flow from your checkout page: ![](https://d37ugbyn3rpeym.cloudfront.net/videos/scalapay_demo_video.mp4) ## 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](https://dashboard.stripe.com/settings/payment_methods) and enable Scalapay. To get started with one of our hosted UIs, follow a quickstart: - [Checkout](https://docs.stripe.com/checkout/quickstart.md): Our prebuilt, hosted checkout page. - [Elements](https://docs.stripe.com/payments/quickstart-checkout-sessions.md): Our drop-in UI components. ### Other payment products The following Stripe products also let you add Scalapay from the Dashboard: - [Payment Links](https://docs.stripe.com/payment-links.md) If your integration requires manually listing payment methods, learn how to [ configure Scalapay](https://docs.stripe.com/payments/scalapay/accept-a-payment.md). ## Payment options The minimum charge limit is 5,00 EUR or the equivalent for other supported currencies. The maximum charge limit is 4,999,99 EUR or the equivalent for other supported currencies. ## Prohibited business categories In addition to the industry and business categories listed in [Prohibited and restricted business](https://stripe.com/restricted-businesses), you can’t use Scalapay for 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. ## 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](https://docs.stripe.com/webhooks.md)) 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](https://docs.stripe.com/disputes/responding.md#respond). 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](https://docs.stripe.com/disputes/api.md). This information helps Scalapay determine whether 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 disputed amount stays with the customer. ## Refunds Scalapay supports full and partial refunds. - The refund period is up to 90 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* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) event. When a refund succeeds, the [Refund](https://docs.stripe.com/api/refunds/object.md) object’s status transitions to `succeeded`. If a refund fails (the `Refund` object’s status transitions to `failed`), then we return the amount to your Stripe balance, and you must arrange an alternative way of providing your customer with a refund. ## Connect If you use *Connect* (Connect is Stripe's solution for multi-party businesses, such as marketplace or software platforms, to route payments between sellers, customers, and other recipients), 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](https://docs.stripe.com/connect/account-capabilities.md#requesting-unrequesting). ### Merchant of record and statement descriptors The [charge type](https://docs.stripe.com/connect/charges.md) of Connect payments might change the default statement descriptor and the merchant name that appears on the customer’s banking application and confirmation emails. | Charge type | Descriptor taken from | | -------------------------------------------------- | --------------------- | | Direct | Connected account | | Destination | Platform | | Separate charge and transfer | Platform | | Destination (with `on_behalf_of`) | Connected account | | Separate charge and transfer (with `on_behalf_of`) | Connected account | To check or update your statement descriptor, go to your [account settings](https://docs.stripe.com/get-started/account/statement-descriptors.md). For Connect integrations, see [setting statement descriptors with Connect](https://docs.stripe.com/connect/statement-descriptors.md).