Italy · Payments & e-money
Scalapay IP S.p.a.
Scalapay IP S.p.A. is a single-shareholder joint-stock company based in Milan. The Bank of Italy authorises it as a payment institution under the Italian Consolidated Banking Act (TUB). Scalapay Limited holds 100% of its shares and completed the purchase of the firm, then called Cabel IP S.p.A., on 2 March 2023. The firm offers the Scalapay buy now, pay later service to consumers and acquiring services to merchants.
Licences and registrations
Held by Scalapay IP S.p.a. (LEI 81560052FB26594D3F53). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterBank of Italy | Payment institutionPayment Institution | 06078740484 | Italy | Active | 2018-01-14 | — |
|
Search the register ↗ |
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
100% Scalapay Limited
Firm type
Lending or buy now, pay later
Trades as Scalapay
- Standing
- The firm traded as Cabel IP S.p.A. until the Scalapay group acquired it on 2 March 2023. It then took the name Scalapay IP S.p.A.
- Ownership
- Scalapay Limited holds 100% of the firm's 5,284,254 ordinary shares.
- Direct parent
- Scalapay Limited, Ireland 100%
- Head office
- Via Nervesa 21, 20139 Milano, Italy
- Company register
- Registro delle Imprese di Milano Monza Brianza Lodi 06078740484 (REA MI-2688662)
- Former name
- Cabel IP S.p.A.
Online
- Websites & references
- paymentinstitute.scalapay.com ↗
scalapay.com ↗ Scalapay brand and consumer platform, run by sister company Scalapay S.r.l. - Official social accounts
- None found
Sources · 13 pages consulted
- paymentinstitute.scalapay.com/
- paymentinstitute.scalapay.com/board-and-financials
- paymentinstitute.scalapay.com/customer-t-cs
- paymentinstitute.scalapay.com/home-b2b
- cdn.prod.website-files.com/649062632495015645e6c230/68ef6865f59fef3fc7489034_v.5%20Condizioni%20di%20Utilizzo%20Cart
- cdn.prod.website-files.com/649062632495015645e6c230/6834634e54808ed7dbea2ffe_Scalapay%20IP%20-%20Foglio%20Informativ
- cdn.scalapay.com/website/ip/information/it-IT/INFORMAZIONI-SU-SCALAPAY-IP.pdf
- lei.bloomberg.com/leis/view/81560052FB26594D3F53
- fintechfutures.com/bnpl-payments/scalapay-secures-70m-debt-financing-from-eib
- distribuzionemoderna.info/imprese/scalapay-dalla-bei-70-milioni-di-euro-per-accelerare-linnovazione-tecnologica-in-
- ffnews.com/news/scalapay-expands-stripe-integration-to-bring-bnpl-to-merchants-in-30-countries
- lombardiaeconomy.it/scalapay-acquisisce-listituto-cabel-ip/
- bancaditalia.it/compiti/vigilanza/provvedimenti-sanzionatori/index.html
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Bank of Italy authorises the firm as a payment institution under Article 114-sexies of the Consolidated Banking Act. It is entered as no. 5 in the register of payment institutions (ABI code 36018).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Bank of Italy (Banca d'Italia) Italy | Istituto di pagamento (Albo degli Istituti di Pagamento ex art. 114-septies TUB) | n. 5 – Cod. A.B.I. 36018 | In its own name | Active | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not disclosedThe firm's published customer and merchant terms do not say how customer funds are safeguarded.
- Acquirer / processor
- Stripe Payments Europe, Limited Ireland
- Payment schemes and card networks
- Visa Through a partner cdn.prod.website-files.com ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It offers pay in 3 or 4 instalments, Pay Now and a single-use virtual Visa card. In Italy it also offers a Pay-in-12 purpose loan.
It publishes consumer terms for Italy, France, Spain, Germany, Portugal, Austria, Belgium, the Netherlands and Finland.
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in 9 countries
- Italy · France · Spain · Germany · Portugal · Austria · Belgium · Netherlands · Finland
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Massimiliano Sinagra Amministratore Delegato
- Chair
- Tranquillo Pasetto Presidente del Consiglio di Amministrazione
- Executive
- Andrea Sorace Consigliere
- Executive
- Federico Ghizzoni Consigliere indipendente
- Executive
- Carlo Arlotta Consigliere indipendente
Recent events
Researched 29 Sep 2026 · Sources
-
Funding
The European Investment Bank signed a EUR 70 million scale-up debt financing agreement with the Scalapay group.
fintechfutures.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · EBA-PSD2
- 06078740484
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 6f6cbc3b3935
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Card acquiring
- Licensed in
- Italy · Europe & Central Asia
- First registered
- 2018-01-14
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Address on the register
- VIA NERVESA 21, MILANO, 20139
- Country
- Italy
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>81560052FB26594D3F53</LEI>
<Nm>SCALAPAY IP S.P.A.</Nm>
<PstlAdr>
<PstCd>20139</PstCd>
<TwnNm>MILANO</TwnNm>
<Ctry>IT</Ctry>
<AdrLine>VIA NERVESA 21</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
Book a demo