Scalapay operates in the fintech sector, providing a 'buy now, pay later' (BNPL) service that allows consumers to split their purchases into multiple installments without interest. The company primarily serves online retailers and their customers, aiming to increase sales and customer retention by offering flexible payment options. Scalapay's business model revolves around charging merchants a fee for each transaction facilitated through its platform. This fee is justified by the increased order value and conversion rates that merchants experience when offering Scalapay as a payment option. The company integrates seamlessly with various e-commerce platforms, providing quick and easy setup through plugins and API documentation. Scalapay's market includes both small and large online retailers looking to enhance their checkout experience and drive customer loyalty. The company makes money by taking a percentage of each transaction processed through its system, ensuring a steady revenue stream as its user base grows. Scalapay's value proposition includes a 48% increase in basket size and an 11% increase in conversion rates for merchants, all while assuming zero risk for the retailer. The service is designed to be user-friendly, with a focus on quick integration and minimal hassle for both merchants and consumers.

Keywords: BNPL, fintech, e-commerce, installment payments, customer loyalty, order value, conversion rates, merchant fees, API integration, seamless setup.