With ScalaPay, merchants can unlock flexible Buy Now, Pay Later (BNPL) options—like paying in 3 or 4 installments—giving shoppers the freedom to split payments while boosting conversion and enhancing the overall shopping experience Learn more about ScalaPay

Payment method properties


Markets (consumer)	IT, FR, DE, ES, PT, AT, BE, NL, FI
Processing currencies	EUR
Consumer currencies	EUR
Authentication methods	`REDIRECT`
Authentication timeout	1 Hour
Minimum payment amount	Varies based on the product
Maximum payment amount	Varies based on the product
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	90 days for Pay in 3 120 days for Pay in 4
Disputes	No
Settlement risk	Yes

Make a ScalaPay payment

ScalaPay payments follow our standardized REDIRECT payment flow. However, we recommend including all relevant settings for any authentication methods you support. To make a payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges API:

Field	Mandatory	Description
paymentMethod	Yes	`SCALAPAY`
consumer.name	Yes	Full name of the consumer (used for display and identity verification)
consumer.email	Yes	Consumer’s email address (used for receipts, verification, or support)
consumer.phone	Yes	Consumer’s phone number in international format (e.g., +39...)
consumer.country	Yes	ISO 2-letter country code of the consumer (e.g., NL, DE, ES, FR, IT)
order.orderItems	Yes	The list of order items. (name, quantity, amount is mandatory)
order.shippingMethod	Yes	Type of delivery

📘
Guidance
To optimize the consumer experience & payment approval rates with the BNPL provider, we highly recommend including the consumer & order object parameters. For more information, see the API Reference.

consumer.client - consumers client details like IP & UserAgent can be used for fraud prevention & enhanced scoring.

consumer.billingAddress- this details can support scoring to help get better approval rates.

consumer.profile - consider providing consumer related CRM info available with the merchant for supporting better scoring & approval with the BNPL provider.

order.orderItems- consider providing all cart details for the order items being purchased.

order.shippingAddress- consider providing when physical goods are expected to be delivered.

order.industryData - consider providing relevant industry details for AIRLINE, TRAVEL, EDUCATION etc.

Request

POST /v1/payment-charges

{
  "paymentMethod": "SCALAPAY",
  "paymentMedium": "ECOMMERCE",
  "initiator": "MERCHANT",
  "paymentDescriptor": "Acme Webshop Says Thank You",
  "merchantPaymentChargeReference": "merch_ref_12345",
  "amount": {
    "currency": "EUR",
    "value": 12000
  },
  "authenticationSettings": [
    {
      "settings": {
        "returnUrl": "https://www.ppro.com/"
      },
      "type": "REDIRECT"
    }
  ],
  "consumer": {
    "name": "Luca Rossi",
    "email": "[email protected]",
    "phone": "+393311234567",
    "birthDate": "1990-01-01",
    "country": "IT",
    "locale": "it-IT",
    "client": {
      "ip": "11.22.22.33",
      "userAgent": "Mozilla/5.0 (X11; CrOS x86_64 ...) Chrome/51.0..."
    },
    "taxIdentification": "RSSLCU90A01H501U",
    "merchantConsumerReference": "consumer_acme_12345",
    "billingAddress": {
      "firstName": "Luca",
      "lastName": "Rossi",
      "phoneNumber": "+393311234567",
      "street": "Via del Corso, 10",
      "postalCode": "00186",
      "city": "Roma",
      "region": "Lazio",
      "country": "IT"
    },
    "profile": {
      "createdDate": "2025-01-01",
      "firstOrderDate": "2025-01-05",
      "lastOrderDate": "2025-05-01",
      "lifetimeOrderCount": 10,
      "lifetimeOrderValue": 450000,
      "lifetimeCanceledOrderCount": 3
    }
  },
  "order": {
    "orderItems": [
      {
        "sku": "TSHIRT01",
        "category": "Apparel",
        "subCategory": "T-Shirt",
        "name": "Classic Cotton T-Shirt",
        "quantity": 1,
        "amount": 5000
      },
      {
        "sku": "JACKET10",
        "category": "Apparel",
        "subCategory": "Jacket",
        "name": "Black Leather Jacket",
        "quantity": 1,
        "amount": 15000
      }
    ],
    "shippingMethod": "TRACKED_DELIVERY",
    "shippingAddress": {
      "firstName": "Luca",
      "lastName": "Rossi",
      "phoneNumber": "+393311234567",
      "street": "Piazza di Spagna, 3",
      "postalCode": "00187",
      "city": "Roma",
      "region": "Lazio",
      "country": "IT"
    },
    "orderReferenceNumber": "order_acme_12345",
    "totalTaxAmount": 4400,
    "industryData": [
      {
        "type": "TRAVEL",
        "details": {
          "travelType": "MULTIPLE",
          "departureDate": "2025-06-01",
          "returnDate": "2025-06-05",
          "departureLocation": "AMS",
          "arrivalLocation": "CDG",
          "destinationCountry": "FR",
          "travelCompany": "Air Fly Inc",
          "travelerCount": 2,
          "buyerAmongTravelers": true,
          "travelClass": "ECONOMY",
          "travelInsured": true,
          "travelDiscountVoucher": "FREEFLY20",
          "luggageSupplement": true,
          "travelCanBeModifiedOrCanceled": true,
          "stayCompany": "My stay Inc",
          "stayDestination": "Paris",
          "stayNightsCount": 5,
          "stayRoomRange": "4_STARS"
        }
      }
    ]
  },
  "autoCapture": true,
  "webhooksUrl": "https://webhook.site/50862fe4-0798-4d92-b3de-dcf1d11ba1ca"
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
    "id": "charge_F9xzoNWNPnopyZ9zKidHb",
    "paymentMethod": "SCALAPAY",
    "paymentMedium": "ECOMMERCE",
    "initiator": "MERCHANT",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_WGReQN3r1yhgwYR1OrQeR",
    "currency": "EUR",
    "country": "IT",
    "paymentDescriptor": "Acme Webshop Says Thank You",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "name": "Luca Rossi",
        "email": "[email protected]",
        "phone": "+393311234567",
        "birthDate": "1990-01-01",
        "country": "IT",
        "locale": "it-IT",
        "client": {
            "ip": "11.22.22.33",
            "userAgent": "Mozilla/5.0 (X11; CrOS x86_64 ...) Chrome/51.0..."
        },
        "taxIdentification": "RSSLCU90A01H501U",
        "merchantConsumerReference": "consumer_acme_12345",
        "billingAddress": {
            "firstName": "Luca",
            "lastName": "Rossi",
            "phoneNumber": "+393311234567",
            "street": "Via del Corso, 10",
            "postalCode": "00186",
            "city": "Roma",
            "region": "Lazio",
            "country": "IT"
        },
        "profile": {
            "createdDate": "2025-01-01",
            "firstOrderDate": "2025-01-05",
            "lastOrderDate": "2025-05-01",
            "lifetimeOrderCount": 10,
            "lifetimeOrderValue": 450000,
            "lifetimeCanceledOrderCount": 3
        }
    },
    "order": {
        "orderItems": [
            {
                "sku": "TSHIRT01",
                "category": "Apparel",
                "subCategory": "T-Shirt",
                "name": "Classic Cotton T-Shirt",
                "quantity": 1,
                "amount": 5000
            },
            {
                "sku": "JACKET10",
                "category": "Apparel",
                "subCategory": "Jacket",
                "name": "Black Leather Jacket",
                "quantity": 1,
                "amount": 15000
            }
        ],
        "shippingMethod": "TRACKED_DELIVERY",
        "shippingAddress": {
            "firstName": "Luca",
            "lastName": "Rossi",
            "phoneNumber": "+393311234567",
            "street": "Piazza di Spagna, 3",
            "postalCode": "00187",
            "city": "Roma",
            "region": "Lazio",
            "country": "IT"
        },
        "industryData": [
            {
                "details": {
                    "travelType": "MULTIPLE",
                    "departureDate": "2025-06-01",
                    "returnDate": "2025-06-05",
                    "departureLocation": "AMS",
                    "arrivalLocation": "CDG",
                    "destinationCountry": "FR",
                    "travelCompany": "Air Fly Inc",
                    "travelerCount": 2,
                    "buyerAmongTravelers": true,
                    "travelClass": "ECONOMY",
                    "travelInsured": true,
                    "travelDiscountVoucher": "FREEFLY20",
                    "luggageSupplement": true,
                    "travelCanBeModifiedOrCanceled": true,
                    "stayCompany": "My stay Inc",
                    "stayDestination": "Paris",
                    "stayNightsCount": 5,
                    "stayRoomRange": "4_STARS"
                },
                "type": "TRAVEL"
            }
        ],
        "orderReferenceNumber": "order_acme_12345",
        "totalTaxAmount": 4400
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://pay.scalapay.com/hpp/qwerty124",
                "requestMethod": "GET"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_B77MEwwySeEeemVGrcA2u",
            "amount": 12000,
            "status": "AUTHENTICATION_PENDING",
            "merchantPaymentChargeReference": "merch_ref_12345",
            "createdAt": "2025-09-01T23:05:55.451Z",
            "updatedAt": "2025-09-01T23:05:55.451Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "voids": [],
    "createdAt": "2025-09-01T23:05:55.365Z",
    "updatedAt": "2025-09-01T23:05:55.451Z",
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_F9xzoNWNPnopyZ9zKidHb/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_F9xzoNWNPnopyZ9zKidHb/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_F9xzoNWNPnopyZ9zKidHb/refunds"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_F9xzoNWNPnopyZ9zKidHb/voids"
        }
    }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_Asu0ig2PXXZSiNrhY44A5",
    "type": "PASSTHROUGH_WALLET"
}

Sandbox testing

Scenario	Card Number	Expiry Date	CVV
✅ Success	5200828282828210	any date, greater than last installment date	123
❗Failure	4000000000000341	any date, greater than last installment date	123

Additional Information

Before you go live

Customer journey of various products can be seen here
Consider having a look at FloaPay's post-payment customer experience here
Check industry-specific requirements: Reach out to your PPRO Account Manager to confirm if there are any additional data specifications needed for your industry. Providing these details in the order.industryData can help maximize your payment approval rates.

Branding guidelines

Discover the media kit here

Payment method properties

Make a ScalaPay payment

📘Guidance

Request

Response

Pick the desired authentication method

Handling the payment result

Payment instrument

Request

Response

Sandbox testing

Additional Information

Before you go live

Branding guidelines

📘
Guidance