Card payments are the default for Spanish e-commerce, but preference for installment payment grows clearer as average order value rises. Scalapay has established itself in Southern European fashion and beauty commerce, in Italy and Spain among others, with a single, easy-to-understand three-installment model, and its brand marketing tuned to Mediterranean consumer sensibilities gives it relatively strong recognition among younger shoppers.

For fashion, accessories, beauty, and home-living D2C brands with strong trend-driven consumption, exposing Scalapay at checkout can work to increase cart value. Since its model doesn't overlap with Klarna's all-in-one approach (including pay-later invoicing) or Oney's card-installment model, you can choose one or run them alongside each other depending on your target customers' payment habits.

When a customer selects Scalapay at checkout, a simplified screening is run, one-third of the total is charged immediately, and the remainder is billed automatically in later installments. The merchant amount is fixed at the point of approval, and Hecto Financial collects that amount in euros (EUR), converts it, and then settles it to the merchant in Korea.

By integrating through Hecto Financial, a Korean merchant can review adopting Scalapay without a local contract in Spain. Given the nature of BNPL, approval conditions vary by industry, average order value, and return rate, so please confirm eligibility and terms (settlement cycle, fees, currency options) before contracting.

• Country of business registration

  Confirm contract eligibility based on domestic (Korean) business status

• Sales channels

  The integration method and priorities differ depending on your online sales channel mix—own store, open marketplace, mobile app, etc.

• Product categories handled

  Advance confirmation is needed on whether your business falls under a restricted category per Scalapay's merchant policy

• EU regulatory compliance

  Confirmation is needed on compliance with EU payment regulations such as PSD2 and SEPA (see official sources below)

Merchant settlement for Scalapay transactions is decoupled from the consumer's installment schedule: Hecto Financial collects in euros (EUR), converts, and then pays out in whichever currency—USD, KRW, or JPY—was set under the contract. Given that fashion and beauty tend to have high return rates, confirm before contracting how partial returns adjust the installment schedule and the processing deadline for refunds under the 14-day right of withdrawal.

• Bank of Spain (Banco de España)Official information on Spain's payment systems and related regulations. Where this page's content differs from actual regulations, the official source takes precedence.