France is a market where 3x/4x installments are already part of everyday life, so alongside domestic players (Alma, Oney), BNPL services from southern Europe have also gained a foothold. Scalapay was born in Italy and has grown across fashion, beauty, and lifestyle commerce in Italy, France, and Spain by leading with a simple model: '3 interest-free installments.'

For merchants selling simultaneously across multiple southern European countries, the real advantage of Scalapay is that it can cover France, Italy, and Spain under a single brand. For a France-only market strategy, however, we recommend comparing it against Alma and Oney, which have stronger local brand recognition.

When a consumer selects Scalapay and registers a card, an immediate credit check is run, the total amount is split into 3 installments with the first charged right away, and the remaining installments are automatically charged to the registered card. Because this relies on post-payment underwriting, approval can be declined, so checkout should be designed to fall back smoothly to an alternative payment method.

Through Hecto Financial, Korean merchants can look into introducing Scalapay, and can also consult on a combined southern European strategy alongside Italy and Spain pages in addition to France. Industry restrictions and support terms need to be confirmed before signing a contract.

• Business registration country

  Confirm contract eligibility for merchants registered in Korea

• Sales channels

  The integration method and priority differ depending on your online sales channel mix, such as your own site, open marketplaces, and mobile apps

• Product categories

  Check in advance whether your business falls under a restricted category under Scalapay's merchant policy

• EU regulatory compliance

  Confirm compliance with EU payment regulations such as PSD2 and SEPA (see official sources below)

Scalapay payments made by French consumers are charged in euros (EUR), and Hecto Financial receives and converts them before settling to Korean merchants in whichever currency—USD, KRW, or JPY—was chosen in the contract. The settlement cycle follows the contract terms. Fashion and beauty are categories with high return rates, so for returns under the EU's 14-day withdrawal right, check your refund integration first to ensure installment cancellations are processed without delay.

• Banque de France (French central bank)Official information on France's payment systems and related regulations. If this page's content differs from actual regulations, the official source takes precedence.
• Autorité de contrôle prudentiel et de résolution (ACPR)The authority that licenses and supervises payment service providers. Useful for confirming payment service regulations in France.