Scalapay reduces first payment defaults with Trustfull

Fighting fraud in BNPL

Scalapay is the BNPL leader in Southern Europe, turning every purchase into a frictionless, “magical” moment for more than 10 million users and over 10,000 brand partners. To protect that experience, Scalapay relies on Trustfull to keep fraud under control while approvals and conversions stay strong.

A critical KPI in the BNPL space is First Payment Default, which is the failure to pay the first installment. Trustfull helps Scalapay steadily reduce this metric by catching high-risk and synthetic identities early, before they can access credit or complete a purchase.

In particular, Trustfull enables Scalapay to seamlessly verify key digital signals, such as users' phone numbers, email addresses, and IP addresses at both sign-up and checkout. By instantly evaluating customer risk behind the scenes, Trustfull helps Scalapay distinguish reliable customers from risky ones, without adding friction or hurting conversion rates.

As explored in this video case study, thanks to Trustfull Scalapay has increased fraud detection at sign-up while keeping approval rates stable. And, as new threats like synthetic identities, deepfakes, and genAI-driven fraud continue to evolve, Trustfull gives Scalapay the edge it needs to stay one step ahead, today and tomorrow.

About Scalapay

Scalapay is the leading Buy Now, Pay Later platform in Southern Europe, revolutionizing the way over 6.85 million users shop online and in-store by enabling interest-free installment payments. Scalapay's mission is to empower its 8,000+ partner brands to offer their customers magical shopping experiences with names like Veralab, Douglas, Patrizia Pepe, Twinset, Alpitour, Best Western, and many more.

Curious to see how Trustfull can help your business prevent fraud without slowing down legitimate customers? Book a free consultation with our team today.