SFCC cartridge development for BNPL service

With the intensive rise of ecommerce, the popularity of "buy-now-pay-later" (BNPL) services has also reached a new height. How does buy now pay later work? The service allows to rationally spend money on purchasing by breaking down a large payment into smaller pieces.

As a rule, the payments are organized in the form of monthly subscriptions. Subscriptions have become the new normal, while BNPL services turned into an inseparable part of the digital shopping culture.

The global BNPL market has generated $90.69 billion in 2020 and is expected to reach $3.98 trillion in 10 years. The key players include Affirm, Afterpay, Klarna, PayPal, Sezzle, Splitit, Scalapay, and many others.

If you visit a European ecommerce website, you will likely see Scalapay as one of the most popular payment options. Since its launch in 2019, the start-up raised $497 million in funding and partnered with 3,000+ online and 5000+ in-store fashion and luxury brands from Italy, France, Germany, Spain, Portugal, Finland, Belgium, Netherlands, and Austria. In February 2022, the company announced it reached a valuation of $1 billion and earned the status of a unicorn.

Scalapay needed to remove technical debt by updating their integration to follow current Salesforce SFRA standards and modern security requirements.

Scalapay partnered with Grinteq to re-build an SFCC cartridge to provide merchants with a novel way of flexible payments.