Scalapay’s buy-now-pay-later solution enables customers to pay for purchases with interest-free installments. The team worked with Skyflow to implement a flexible, effective, and scalable data privacy solution quickly.
For more information about Scalapay, please visit their website at
Scalapay is an innovative fintech that offers European retail customers the chance to pay for purchases in 3 or 4 interest-free installments. This buy-now-pay-later offering is available at over 7,000 physical stores and over 5,000 e-commerce stores.
Because Scalapay offers a seamless purchasing experience for customers, Scalapay offers significant value to their retail partners. Scalapay leads to a 48% increase in the average order value, an increase in cart conversion, and a decrease in cart abandonment rate. Over a period of three months, 65% of customers who used Scalapay to complete a purchase at a specific retailer will return to that retailer.
This value incentivizes retailers to offer Scalapay to their customers. In turn, the commission retailers pay enables Scalapay to offer their service at no cost to the end-customer.
The Challenge
As Scalapay scaled to more retailers and customers across Europe, the team realized that being locked into a single payment processor was no longer operationally effective or cost-effective. Payment processors can become very expensive as the number of transactions grows, often forcing the company to accept tighter margins on every sale. Predicting this challenge early on, the team at Scalapay had already started building a proxy so that they could eventually migrate their customer PCI data from the original processor.
Before committing to Skyflow, Scalapay scoped out what it would take to build a PCI-compliant privacy solution internally. They estimated it would require three engineers – new engineers with specific expertise – between six and twelve months to build the basics, and at least two engineers to maintain the solution ongoing.
Beyond hiring and talent costs, Scalapay would also need to bring on external consultants for compliance advice and oversight. Layering expense estimates plus the significant delay to time to market made the overall cost of building a solution steep.
The Skyflow Solution
Skyflow enabled a flexible, PCI-compliant payment processing solution for Scalapay. The comprehensive, privacy-first approach was easy for their team to implement, allowing them to focus resources back on their core product.
Isolate and Protect Customer Data
Scalapay uses Skyflow to capture, tokenize, and store sensitive PCI data, and then calls Skyflow APIs to retrieve the payment information required for payment processors.
This keeps Scalapay’s backend infrastructure and database free of sensitive data and decreases their compliance scope.
Flexible, PCI-compliant Payment Processing
With PCI isolated, protected and governed in Skyflow Data Privacy Vault, Scalapay is no longer locked into one provider and their rates, and no longer dependent on them for PCI compliance. Skyflow’s time-to-live (TTL) capability lets Scalapay temporarily cache CVVs in a PCI-compliant manner, so their merchant customers can work across multiple payment processors for authorization.
Being able to work with different payment processors, opens up the possibility for rate negotiations, leading to long-term cost savings and smoother payment experiences. Different payment providers are optimized for different regions and different transaction volumes. Avoiding provider lock-in means Scalapay can limit operational inefficiencies and improve customer experience across markets.
Increasing Velocity of Innovation
Skyflow’s out-of-the-box functionality enabled the Scalapay team to get started quickly and customize the solution to support any workflow.
Client-side and server-side SDKs let Scalapay securely collect and tokenize data, accelerating frontend and backend development, and Skyflow Connections enabled secure data sharing with third parties regardless of payment processor.
“It would take 3 engineers at least 6-12 months to build the basics of this solution internally, and 2 engineers to maintain it. Beyond hiring and talent costs, we’d also need to bring on consultants to advise on compliance requirements. At the end of the day, building in house would have drastically slowed our time to market. Skyflow made everything easy.”
Johnny Mitrevski
CTO, Scalapay
“Skyflow partnered with us end-to-end so we could go live in one region while preparing to roll out to additional geographies. They were a true partner from day one. With our expertise in fintech needs, and their privacy expertise, implementation was a breeze.”
Johnny Mitrevski
CTO, Scalapay
“It would take 3 engineers at least 6-12 months to build the basics of this solution internally, and 2 engineers to maintain it. Beyond hiring and talent costs, we’d also need to bring on consultants to advise on compliance requirements. At the end of the day, building in house would have drastically slowed our time to market. Skyflow made everything easy.”
Johnny Mitrevski
CTO, Scalapay
“Skyflow partnered with us end-to-end so we could go live in one region while preparing to roll out to additional geographies. They were a true partner from day one. With our expertise in fintech needs, and their privacy expertise, implementation was a breeze.”
Johnny Mitrevski
CTO, Scalapay
See More Skyflow Customer Stories
Securing customer PII and ACH data for a Public Benefit Education Company
Scalapay’s buy-now-pay-later solution enables customers to pay for purchases with interest-free installments. The team worked with Skyflow to implement a flexible, effective, and scalable data privacy solution quickly.
For more information about Scalapay, please visit their website at
Scalapay is an innovative fintech that offers European retail customers the chance to pay for purchases in 3 or 4 interest-free installments. This buy-now-pay-later offering is available at over 7,000 physical stores and over 5,000 e-commerce stores.
Because Scalapay offers a seamless purchasing experience for customers, Scalapay offers significant value to their retail partners. Scalapay leads to a 48% increase in the average order value, an increase in cart conversion, and a decrease in cart abandonment rate. Over a period of three months, 65% of customers who used Scalapay to complete a purchase at a specific retailer will return to that retailer.
This value incentivizes retailers to offer Scalapay to their customers. In turn, the commission retailers pay enables Scalapay to offer their service at no cost to the end-customer.
The Challenge
As Scalapay scaled to more retailers and customers across Europe, the team realized that being locked into a single payment processor was no longer operationally effective or cost-effective. Payment processors can become very expensive as the number of transactions grows, often forcing the company to accept tighter margins on every sale. Predicting this challenge early on, the team at Scalapay had already started building a proxy so that they could eventually migrate their customer PCI data from the original processor.
Before committing to Skyflow, Scalapay scoped out what it would take to build a PCI-compliant privacy solution internally. They estimated it would require three engineers – new engineers with specific expertise – between six and twelve months to build the basics, and at least two engineers to maintain the solution ongoing.
Beyond hiring and talent costs, Scalapay would also need to bring on external consultants for compliance advice and oversight. Layering expense estimates plus the significant delay to time to market made the overall cost of building a solution steep.
The Challenge
Hadley collects PII like names, email addresses, and dates of birth in order to connect families with the right 529 accounts. Once the family chooses a plan, sensitive ACH data is used to connect their bank account and process their first contributions.Hadley’s mission is to simplify the process of saving for education with 529 plans. Contributions to 529s grow without being taxed - including any investment gains upon withdrawal. Plus, there are no eligibility limits, like age or income.
As a public benefit company with resource constraints, paying for and managing different point solutions seemed like an unnecessary hassle, and building data privacy infrastructure from scratch wasn’t an option. Hadley had been working closely with Tanooki Labs as their technical partner, and the team at Tanooki made the introduction to Skyflow.
The Skyflow Solution
Skyflow enabled a flexible, PCI-compliant payment processing solution for Scalapay. The comprehensive, privacy-first approach was easy for their team to implement, allowing them to focus resources back on their core product.
Isolate and Protect Customer Data
Scalapay uses Skyflow to capture, tokenize, and store sensitive PCI data, and then calls Skyflow APIs to retrieve the payment information required for payment processors.
This keeps Scalapay’s backend infrastructure and database free of sensitive data and decreases their compliance scope.
Flexible, PCI-compliant Payment Processing
With PCI isolated, protected and governed in Skyflow Data Privacy Vault, Scalapay is no longer locked into one provider and their rates, and no longer dependent on them for PCI compliance. Skyflow’s time-to-live (TTL) capability lets Scalapay temporarily cache CVVs in a PCI-compliant manner, so their merchant customers can work across multiple payment processors for authorization.
Being able to work with different payment processors, opens up the possibility for rate negotiations, leading to long-term cost savings and smoother payment experiences. Different payment providers are optimized for different regions and different transaction volumes. Avoiding provider lock-in means Scalapay can limit operational inefficiencies and improve customer experience across markets.
Increasing Velocity of Innovation
Skyflow’s out-of-the-box functionality enabled the Scalapay team to get started quickly and customize the solution to support any workflow.
Client-side and server-side SDKs let Scalapay securely collect and tokenize data, accelerating frontend and backend development, and Skyflow Connections enabled secure data sharing with third parties regardless of payment processor.
“It would take 3 engineers at least 6-12 months to build the basics of this solution internally, and 2 engineers to maintain it. Beyond hiring and talent costs, we’d also need to bring on consultants to advise on compliance requirements. At the end of the day, building in house would have drastically slowed our time to market. Skyflow made everything easy.”
Johnny Mitrevski
CTO, Scalapay
“Skyflow partnered with us end-to-end so we could go live in one region while preparing to roll out to additional geographies. They were a true partner from day one. With our expertise in fintech needs, and their privacy expertise, implementation was a breeze.”
Johnny Mitrevski
CTO, Scalapay
“It would take 3 engineers at least 6-12 months to build the basics of this solution internally, and 2 engineers to maintain it. Beyond hiring and talent costs, we’d also need to bring on consultants to advise on compliance requirements. At the end of the day, building in house would have drastically slowed our time to market. Skyflow made everything easy.”
Johnny Mitrevski
CTO, Scalapay
“Skyflow partnered with us end-to-end so we could go live in one region while preparing to roll out to additional geographies. They were a true partner from day one. With our expertise in fintech needs, and their privacy expertise, implementation was a breeze.”
Johnny Mitrevski
CTO, Scalapay
See More Skyflow Customer Stories
Securing customer PII and ACH data for a Public Benefit Education Company