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Scalapay

Scalapay

European BNPL

VS

Branch

Earned wage access and instant payouts for hourly and gig workforces

Branch
Fees from
Custom vs Custom
Features

0 shared

3 unique to Branch
Regions

0 shared

1 unique to Scalapay · 1 unique to Branch
Pay methods

1 shared

7 unique to Scalapay · 3 unique to Branch
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
3 features · 11 payment methods · 2 regions. We don't rank these — they're here for reference.
Scalapay Scalapay
Branch Branch
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Instant
Instant
Founded
2019
2015
Headquarters
Milan, Italy
Minneapolis, Minnesota, US
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Branch leads (3 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Payment Methods
Scalapay leads (8 vs 4)
Ach Unique
—
✓
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bnpl Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Google Pay Unique
✓
—
Mastercard
✓
✓
Paypal Unique
✓
—
Visa Unique
✓
—
Regions
Europe Unique
✓
—
North America Unique
—
✓

Scalapay is best when you...

European BNPL
Want coverage in Europe
Branch doesn't cover this region
View Scalapay

Branch is best when you...

Earned wage access and instant payouts for hourly and gig workforces
Need Enterprise
Not available with Scalapay
Need Instant Payout
Not available with Scalapay
Want coverage in North America
Scalapay doesn't cover this region
View Branch

Frequently Asked Questions

What is the difference between Scalapay and Branch?
They share 1 payment method and 0 regions. Scalapay adds Amex, Apple Pay, Buy Now Pay Later and 4 more that Branch does not list; Branch adds ACH, Debit Card, Digital Wallet that Scalapay does not list; Scalapay also covers Europe; Branch also covers North America.
Which is cheaper, Scalapay or Branch?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Scalapay and Branch?
Scalapay lists 1 region and 8 payment methods; Branch lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Scalapay and Branch compare on integration and settlement?
both offer a sandbox; both support webhooks; Scalapay settles in Instant, Branch in Instant.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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