Choose Pay in 3 interest-free instalments or Pay in 4 interest-free instalments with a service fee
Yes. You can use Scalapay to book flights and buy plane tickets for any airline, any route, and any fare class when you book through Laters.com. Scalapay is a credit product, so a plan may carry a fee or interest and approval is never guaranteed, but the checkout itself does not add a payment surcharge or booking fee. That holds whether you are booking a short hop or a long-haul seat, in economy or business.
Most airlines don't offer Scalapay at their own checkout, which is exactly why booking through Laters.com matters. Ryanair, easyJet and Wizz Air across the UK and Europe don't put Scalapay on their own payment page, and neither do American Airlines, Delta or United in the US, nor Emirates and Qatar Airways for longer routes. Book any of them through Laters.com instead, and Scalapay sits inside our own checkout as a payment method: you pick Scalapay, choose the plan that fits your budget, and your e-ticket is issued once payment is confirmed.
Pay in 3 and Pay in 4 are the two plan families on offer, both interest-free, though Pay in 4 carries a service fee and a late fee can apply on either if a payment is missed. Approval is subject to a credit check, and applicants must be 18 or over. The range runs from a short domestic hop to a long-haul seat in business, across the European markets Scalapay covers, and Paidy is also accepted at our checkout if you want to compare the two.
Scalapay lets you split a fare into monthly instalments at checkout, or pay the whole thing now through its payment service. Some instalment plans carry a service fee and all of them involve a credit check, so approval isn't guaranteed and terms depend on what Scalapay's check finds. Compare the plans below before you pick one.
$500
Pay in 3 splits the fare across three monthly charges and costs nothing extra when every instalment lands on time. A credit check applies before approval, and a late fee kicks in if a payment is missed. First instalment charged at the time of purchase, second one month later, third two months later. No additional cost to the customer when instalments are paid on time.
Pay in 4 spreads the fare over four monthly charges with no interest, though a service fee is added to the first instalment regardless of how promptly you pay. Miss a due date and a late fee follows, and the final instalment can't be pushed back. First instalment at purchase, then months 1, 2 and 3. A small service fee, calculated on the order total and shown at checkout, is added to the first instalment only; the final instalment cannot be postponed.
Pay Now settles the fare in full at the time of booking through Scalapay's own payment service, so no instalments, no credit check and no deferred balance to track. You get the ticket for the price you paid, nothing more, nothing less. Payment service provided by Scalapay IP S.p.A., an Italian payment institution supervised by the Bank of Italy; the order is paid in full at the time of purchase rather than deferred.
French customers see Pay in 3 and Pay in 4 under local names; elsewhere in Europe, including Italy, Spain, Portugal and neighbouring markets, the same plans keep their standard labels. Check the country grid for exceptions.
Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.
Scalapay's flight checkout on Laters.com centres on Italy and reaches across Western Europe, from France, Spain and Portugal through Germany, Austria, Belgium, Finland and the Netherlands, plus several French overseas territories in the Caribbean and Indian Ocean. Scalapay checkout on Laters.com is available in every market Scalapay operates in, built from Scalapay's own published country terms rather than our estimate of them. A fare in EUR is charged in your local currency rather than converted at checkout, since every listed market settles in the same currency. Availability can still shift, so check the country grid before you book. This guide lists instalment plans in 14 markets.
Scalapay's home market offers Pay in 3 and Pay in 4 monthly instalments at checkout, settled in euros.
Plans as published by Scalapay for Italy (IT), verified .
Marketed as "Payez en 3 fois" and "Payez en 4 fois", with monthly instalments settled in euros.
Plans as published by Scalapay for France (FR), verified .
Scalapay offers Pay in 3 and Pay in 4 monthly instalments, settled in euros.
Plans as published by Scalapay for Spain (ES), verified .
Scalapay offers Pay in 3 and Pay in 4 monthly instalments, settled in euros.
Plans as published by Scalapay for Portugal (PT), verified .
Scalapay offers Pay in 3 and Pay in 4 monthly instalments, settled in euros.
Plans as published by Scalapay for Germany (DE), verified .
Scalapay offers Pay in 3 and Pay in 4 monthly instalments, settled in euros.
Plans as published by Scalapay for Austria (AT), verified .
Scalapay offers Pay in 3 and Pay in 4 monthly instalments, settled in euros.
Plans as published by Scalapay for Belgium (BE), verified .
Scalapay offers Pay in 3 and Pay in 4 monthly instalments plus a Pay Now option documented for Dutch customers, all settled in euros.
Plans as published by Scalapay for Netherlands (NL), verified .
Scalapay's Finnish terms cover Pay in 3 and Pay in 4 instalments and an immediate Pay Now option, settled in euros.
Plans as published by Scalapay for Finland (FI), verified .
Listed by Scalapay as a supported French overseas territory for Pay in 3 and Pay in 4, settled in euros.
Plans as published by Scalapay for Réunion (RE), verified .
Listed by Scalapay as a supported French overseas territory for Pay in 3 and Pay in 4, settled in euros.
Plans as published by Scalapay for Mayotte (YT), verified .
Listed by Scalapay as a supported French overseas territory for Pay in 3 and Pay in 4, settled in euros.
Plans as published by Scalapay for French Guiana (GF), verified .
Listed by Scalapay as a supported French overseas territory for Pay in 3 and Pay in 4, settled in euros.
Plans as published by Scalapay for Martinique (MQ), verified .
Listed by Scalapay as a supported French overseas territory for Pay in 3 and Pay in 4, settled in euros.
Plans as published by Scalapay for Guadeloupe (GP), verified .
Across most of the region this short-term plan is sold as Pay in 3, while French customers see it marketed as "Payez en 3 fois"; a Pay Now option, settling the fare in full at purchase rather than deferring it, is documented only for Dutch and Finnish customers. Pay in 3 takes one instalment at purchase and the rest at fixed monthly intervals after, interest-free when paid on time, though approval is not guaranteed and the longer Pay in 4 plan carries a service fee. Limits and rates differ by country and are shown by Scalapay at checkout.
Most airlines do not offer Scalapay at their own checkout, and the few that do set their own rules. On Laters.com, Scalapay is built into one checkout that covers every airline we sell, so the plans you get do not depend on who operates the flight.
Whichever airline operates your flight and whichever Scalapay plan you're approved for, subject to a credit check and any fees on the Pay in 4 plan, Laters.com is the merchant you booked with. That means one team handles your booking, any changes and any refund, so you are not stuck chasing an airline directly when plans change.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Scalapay built into checkout on all 650+ airlines | ✓ | Very few |
| The same Scalapay plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with Scalapay | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with Scalapay | ✓ | Varies |
Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.
Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores →
This score is Laters.com's own editorial assessment, built from Scalapay's published plan terms, instalment structures, late-fee schedules and country availability records, plus our review of the checkout and eligibility criteria for flight bookings. No brand pays to be rated or to appear on Laters.com. Last reviewed August 2026.
Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.
Two short-term plans anchor the offer: Pay in 3 spreads a fare over two months at 0% APR, while Pay in 4 runs three months at 0% interest but adds a service fee to the first instalment. Coverage sits in Italy, France, Spain, Portugal, Germany, Austria, Belgium, the Netherlands, Finland and five French overseas territories, all settled in euros.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility7/10
Pay in 3 (two months) and Pay in 4 (three months) are the only deferred shapes on offer, both short-term. There's no multi-month financing plan, so anyone wanting a longer tenor than three months has no Scalapay option.
Interest Rate8/10
Pay in 3 carries 0% APR with no substitute fee. Pay in 4 is also 0% interest but adds a service fee on the first instalment, so the two plans are not equally cost-free despite both avoiding APR.
Eligibility7/10
Available across 13 listed markets, but every one of them offers only Pay in 3 and Pay in 4; just the Netherlands and Finland add Pay Now. No market sees a longer-term financing plan, so the range on offer never widens beyond two short plans.
Approval Process7/10
Late fees of EUR 1.20 (24 hours late) plus a further EUR 1.20 (9 days late) are published only for Austria, Belgium, Finland and the Netherlands, leaving the checkout decision process for other markets undocumented in the supplied terms.
This table prices one fare across Scalapay's plans side by side. The fare itself does not change: Laters.com adds no booking fee or surcharge for choosing to pay this way, in Italy, France, Spain or Portugal.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 32 months at 0% APR | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 43 months at 0% interest (a service fee applies) APR | Not specified | Not specified | $1,000.00 | Nothing |
| Pay NowNot a credit product | $1,000.00 | Nothing left to pay | $1,000.00 | Nothing |
This worked example is an illustration, not a quote. What you're offered depends on your market and on approval, and every provider on Laters.com is costed against the same rows so plans can be compared fairly.
Both Scalapay and Paidy sit right here at the Laters.com checkout, so this isn't a case of hunting elsewhere for a better deal. It's a straight choice between two credit options on the same page. Scalapay publishes two core plans, Pay in 3 and Pay in 4 monthly instalments, both interest-free though a service fee applies on the four-payment option and late fees can follow a missed date. Paidy is built around a pay-in-4 product with its strongest coverage in Japan, so if your travel plans centre on a different region, compare Paidy for flights on Laters.com before you decide. If Scalapay isn't available where you are, these are the other providers that can spread the cost of your flight.
Klarna offers short-term instalment plans and pay-later options for flights, with approval and a credit check typically required before checkout completes. Some plans carry interest or fees, so it's worth checking the terms shown at checkout before you commit.
Widely available across multiple countries; check Klarna's site for your market
Afterpay splits the fare into four payments, though approval isn't guaranteed and a missed instalment can trigger a late fee. It trades under the Clearpay name in some markets, so travellers there will see that branding at checkout instead.
Coverage varies by market; confirm on Afterpay's site
Zip offers both short pay-in-4 style splits and longer repayment options for bigger fares, subject to approval and a credit check. Interest can apply on the longer plans, so it pays to read the schedule before booking.
Available in select markets; also runs as ZIP NZ in New Zealand
Affirm spreads the fare over monthly payments rather than a quick four-part split, with approval based on a credit check and interest often applying depending on the plan chosen. It suits travellers who'd rather stretch payments out further than a standard pay-in-4.
Primarily available in the United States and Canada
Tabby lets shoppers split a flight into four payments, with eligibility and approval decided at checkout and fees possible if a payment is missed. It's one of the region's more established pay-later names for everyday purchases.
Focused on the Middle East
Atome splits the cost of a flight into three payments, with approval not guaranteed and late fees possible if a payment is missed. It's a familiar option for travellers who already use Atome for everyday shopping.
Strongest presence across parts of Asia
Everything you need to know about paying for flights with Scalapay on Laters.com.
Yes. Laters.com lets you check out flight bookings with Scalapay and choose between Pay in 3 and Pay in 4 monthly instalments, both offered interest-free, with a service fee applying to the Pay in 4 plan. Which options you see depends on the country you are booking from, and a credit check applies before approval. Confirm the exact plans on offer at checkout or on scalapay.com.
All of them on Laters.com. Scalapay sits at checkout as a payment method rather than something individual airlines switch on, so any flight sold through Laters.com can be paid for with Pay in 3 or Pay in 4 instalments, both interest-free. A credit check still applies regardless of which airline or route you pick. Check scalapay.com for the current terms before you book.
No. Laters.com adds no payment surcharge and no booking fee for using Scalapay, so the fare shown is the same one you would pay by card. Pay in 3 is interest-free with no added cost when instalments land on time, while Pay in 4 is interest-free but carries a service fee added to the first instalment. Miss a payment on either plan and a late fee of EUR 1.20 applies if you are more than 24 hours late, with a further EUR 1.20 if you are still unpaid after 9 days.
Your e-ticket is issued once Scalapay approves your instalment plan and the first payment is taken at checkout. For Pay in 3, that first instalment is charged at the time of purchase, with the remaining two spread one and two months later. For Pay in 4, the first instalment is also taken at purchase, followed by three more over the following months. Approval is not guaranteed, and a credit check runs before your ticket is confirmed.
Yes. Scalapay runs a credit check as part of approving you for Pay in 3 or Pay in 4, and that check happens whether you are booking a short trip or a long-haul fare. Approval is not guaranteed, and Scalapay's assessment can lead to a declined application even for travellers who expect to qualify. Missed instalments afterward may also be reported and affect your credit standing, so treat the plan as a form of credit rather than a fee-free perk. Check scalapay.com for how the check is carried out in your country.
A late fee applies first: EUR 1.20 if your payment is more than 24 hours overdue, with a further EUR 1.20 charged if it is still unpaid after 9 days. Beyond the fee, missed payments on either Pay in 3 or Pay in 4 may be reported to credit reference agencies, and repeated misses can affect your credit standing and future access to instalment plans. This applies whether the missed instalment is on a short Pay in 3 schedule or the longer Pay in 4 term. Confirm current fee terms on scalapay.com before you book.
Scalapay is documented for customers booking from Italy, France, Spain, Portugal, Germany, Austria, Belgium, the Netherlands and Finland, plus the French overseas territories of Réunion, Mayotte, French Guiana, Martinique and Guadeloupe. Italy is Scalapay's home market, offering Pay in 3 and Pay in 4 settled in euros, and the same two plans are available across most of these markets. The Netherlands and Finland additionally list a Pay Now option alongside the instalment plans. Country availability determines which plans you see at Laters.com checkout, so confirm your market's terms on scalapay.com.
Pay in 4 tends to suit a pricier long-haul fare better, since it spreads the cost over four monthly instalments across a three-month term rather than the two-month term of Pay in 3. It remains interest-free, though a service fee is calculated on the order total and added to the first instalment only, and the final instalment cannot be postponed. A credit check applies to Pay in 4 just as it does to Pay in 3. Weigh the added service fee against the extra month of spreading before you choose at checkout.
Not when you pay on time. Scalapay's Pay in 3 and Pay in 4 plans are interest-free when instalments are paid on schedule, so on-time repayment is not expected to damage your standing. Missed payments are a different story: they can trigger late fees and may be reported to credit reference agencies, which can affect your credit score. Treat any instalment plan as credit, and check scalapay.com for how it reports repayment behaviour in your country.
It depends on how much of the plan has already been charged. Because Pay in 3 and Pay in 4 both take the first instalment at the time of purchase, a cancellation after booking typically means Scalapay processes a refund back through the same instalment schedule rather than instantly cancelling all future charges. Any instalments already paid, including a Pay in 4 service fee taken on the first payment, are subject to the airline's and Scalapay's own refund rules. Contact Laters.com support and check scalapay.com for how refunds are applied to your specific booking.
Yes. Pay in 3 and Pay in 4 apply to the total fare rather than to the route, so a multi-stop or international itinerary is billed the same way as a single direct flight. What decides which plans you see is the country you are booking from on Laters.com, not the route you are flying. A credit check applies regardless of itinerary complexity. Check scalapay.com if you want to confirm plan availability for your specific booking country.
Pay in 3 carries no interest and no added cost when every instalment lands on time, since Scalapay describes it as three monthly instalments with no extra charge for on-time payers. Pay in 4 is also interest-free but adds a service fee calculated on the order total, charged with the first instalment, and that final instalment cannot be pushed back. The real catch on both plans is a late fee, EUR 1.20 if you're over 24 hours late plus another EUR 1.20 after 9 days, and the credit check that applies before you're approved. Read the full terms on scalapay.com before committing.
Scalapay is a payment method at checkout, not a loyalty program, so it does not change how an airline's frequent flyer scheme credits your booking. Miles, tier points and status benefits are set by the airline you fly, and Laters.com passes your fare through to Scalapay's Pay in 3 or Pay in 4 instalments the same way it would any other payment. A credit check still applies to either plan regardless of loyalty status. Check the airline's own program terms and scalapay.com for how your specific booking is processed.
Scalapay is offered at checkout for the fare total, so a premium cabin or business class ticket can be split the same way as an economy fare using Pay in 3 or Pay in 4, both interest-free with a credit check required. Pay in 4 adds a service fee on the first instalment, which will be calculated on the higher order total of a premium fare. Approval for either plan is not guaranteed and depends on Scalapay's own assessment. Confirm plan eligibility for higher-value fares on scalapay.com before booking.
You typically set up your Scalapay plan at the point of checkout on Laters.com, entering your details there rather than needing a pre-existing account arranged in advance. Scalapay then runs its credit check and, if approved, takes the first instalment of your chosen Pay in 3 or Pay in 4 plan immediately. Approval is not guaranteed, and both plans require you to meet Scalapay's own eligibility criteria. Check scalapay.com for the current sign-up requirements in your country.
Scalapay is a European buy now, pay later company that lets shoppers split a purchase into a handful of instalments, and it has grown from a single-market checkout tool into one of the region's more recognisable ways to pay across fashion, electronics and travel. Flights sit inside that growth as one more category travellers can spread across a plan, whether booking directly with an airline or through a partner like Laters.com, where the option covers every airline we sell.
The company was founded in 2019 in Milan by Simone Mancini and Johnny Mitrevski, joined by co-founders including Raffaele Terrone, aiming to bring instalment payments to southern European markets where credit cards were less common at checkout. Scalapay is privately held, and its regulated subsidiary, Scalapay IP S.p.A., holds a payment institution licence issued by the Bank of Italy. It reached a billion-dollar valuation in 2022 on a large funding round, though growth like that rarely comes without turbulence: the following year, Terrone stepped down from his roles as chief financial officer and board member. Scalapay's site has the latest on how it's structured. Whichever plan you choose, only commit to instalments you're confident you can repay on schedule.
Booking with Scalapay on Laters.com starts the same way any flight search does: find your route, pick your fare, and select Scalapay at checkout. Depending on your country you may be offered Pay in 3, which splits the fare over three monthly instalments with no added interest, Pay in 4, which spreads it over four monthly instalments with no interest but a service fee added to the first payment, or Pay Now, which settles the fare in full at the time of booking. Each of the instalment plans is a form of credit: approval isn't guaranteed, and Scalapay may run a credit check before confirming your plan. Once payment is approved, your e-ticket is issued.
Laters.com is the merchant on this booking. We search the fares and issue the ticket, while Scalapay is the payment method and credit provider you've chosen, not the company selling you the flight. Paying with Scalapay carries no payment surcharge or booking fee on Laters.com, so the fare you see is the same one you'd pay by card. You don't need a credit card to book this way: Scalapay settles the ticket price with the airline in full on your behalf, and your instalments are repaid to Scalapay rather than to Laters.com.
Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.
A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.
Borrowing responsibly means only committing to instalments you can genuinely afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in August 2026.
Real reviews from real customers who booked flights with Laters.com.
Scalapay flight deals, BNPL promotions and flash sales, straight to your inbox.
