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Venmo

Venmo

US Social P2P Payments

VS

Scalapay

European BNPL

Scalapay
Fees from
Free P2P (debit), 3% credit card vs Custom
Features

0 shared

2 unique to Venmo
Regions

0 shared

1 unique to Venmo · 1 unique to Scalapay
Pay methods

2 shared

3 unique to Venmo · 6 unique to Scalapay
On region

Both cover 1 regions. Verify directly with each provider before signing.

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Show full specs
2 features · 11 payment methods · 2 regions. We don't rank these — they're here for reference.
Venmo Venmo
Scalapay Scalapay
Quick Facts
Fees
Standard transaction rate
Free P2P (debit), 3% credit card
Custom
Settlement
Time to receive funds
1–2 business days
Instant
Founded
2009
2019
Headquarters
New York, USA
Milan, Italy
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Venmo leads (2 vs 0)
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Scalapay leads (8 vs 5)
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Credit Card
✓
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Mastercard Unique
—
✓
Paypal
✓
✓
Venmo Unique
✓
—
Visa Unique
—
✓
Regions
Europe Unique
—
✓
North America Unique
✓
—

Venmo is best when you...

US Social P2P Payments
Need Low Fees
Not available with Scalapay
Need Startup Friendly
Not available with Scalapay
Want coverage in North America
Scalapay doesn't cover this region
View Venmo

Scalapay is best when you...

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

Frequently Asked Questions

What is the difference between Venmo and Scalapay?
They share 2 payment methods and 0 regions. Venmo adds Bank Transfer, Debit Card, Venmo that Scalapay does not list; Scalapay adds Amex, Apple Pay, Buy Now Pay Later and 3 more that Venmo does not list; Venmo also covers North America; Scalapay also covers Europe.
Which is cheaper, Venmo or Scalapay?
Venmo has published rates from Free P2P (debit), 3% credit card; Scalapay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Venmo and Scalapay?
Venmo lists 1 region and 5 payment methods; Scalapay lists 1 and 8. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Venmo and Scalapay compare on integration and settlement?
both offer a sandbox; both support webhooks; Venmo settles in 1–2 business days, Scalapay 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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