Scalapay is an innovative payment method which allows a customer to defer a payment through three interest-free instalments. The buy now pay later service is available in over five thousand physical stores and in the e-stores of more than three thousand brands. The cost of the service is totally free for the customer and is financed by a commission applied to retailers who are immediately paid for their product. Scalapays’ service has seen a 48% increase in the average order value, an increase in cart conversion, and a decrease in its abandonment rate. Over a period of three months, 65% of platform users return to the store or e-commerce they purchased from using Scalapay.