Scalapay

Scalapay stands as Italy's only fintech unicorn in the buy-now-pay-later space, focusing on Southern European and fashion retail. It has processed over €1.2 billion in transactions since 2020, with a default rate of just 1.8%, lower than the average BNPL competitor. Scalapay's partnership with 5,000 merchants makes it more specialized than #1 Satispay in luxury e-commerce.