--- title: "BNP Paribas – Scalapay Agreement: Debt Facility to Finance €3 Billion in Receivables" description: BNP Paribas has committed to purchasing from Scalapay up to a maximum of €3 billion in current and future receivables related to its “Buy Now, Pay Later” (BNPL) service. The partnership opens up new opportunities for the expansion of BNPL solutions in the payments market. image: https://blog.scalapay.com/hubfs/scalapay%20x%20bnp.jpg --- Shopping Trends 2025 - Discover consumers' preferences [Download the report](https://blog.scalapay.com/it/ecommerce-trends-2025-le-tendenze-che-devi-conoscere-nel-2025) [![Scalapay-logo](https://blog.scalapay.com/hubfs/Scalapay-logo.svg)](https://www.scalapay.com/it/vendi-con-scalapay) - [Insights](https://blog.scalapay.com/en/blog) - [Case studies](https://blog.scalapay.com/en/testimonials) - [Reports & Research](https://blog.scalapay.com/en/reports) 15 September, 2026 6 Min # BNP Paribas – Scalapay Agreement: Debt Facility to Finance €3 Billion in Receivables BNP Paribas has committed to purchasing from Scalapay up to a maximum of €3 billion in current and future receivables related to its “Buy Now, Pay Later” (BNPL) service. The partnership opens up new opportunities for the expansion of BNPL solutions in the payments market. ![BNP PARIBAS – SCALAPAY AGREEMENT: DEBT FACILITY TO FINANCE €3 BILLION IN RECEIVABLES](https://blog.scalapay.com/hs-fs/hubfs/scalapay%20x%20bnp.jpg?width=1132&height=637&name=scalapay%20x%20bnp.jpg) Index **Milan, 29 October 2024** – **Scalapay**, the leading provider of **“Buy Now, Pay Later” (BNPL)** solutions in Southern Europe, with 6.8 million customers across Europe, **and BNP Paribas**, a key player in the international banking sector, have signed a **2.5-year agreement** under which BNP Paribas will provide senior financing for a portfolio of up to **€3 billion in current and future receivables** related to BNPL loans granted by Scalapay IP S.p.A. (Scalapay Group) to its customers in Southern Europe, **60% of which are in Italy.** The transaction strengthens Scalapay’s role **in the payments market**, particularly in Italy, France, Spain and Portugal, where BNPL is experiencing increasing penetration in e-commerce. The popularity of BNPL has grown exponentially over the past five years, with **double-digit annual growth**. This scenario opens up new opportunities for expansion in the payments market, where traditional credit solutions are more costly and complex for end customers. > “Our goal is to become the **most user-friendly financial platform in Southern Europe**,” said **Simone Mancini, Founder and CEO of Scalapay**. “In a complex economic environment, challenged by tighter access to credit and declining purchasing power in mature markets, we want to make access to credit increasingly simple. Our customers are demonstrating their ability to repay and become loyal customers, while demanding more transparent and easy-to-use financial products. This is why we are committed to providing more services at the lowest possible cost. Thanks to BNP Paribas, Scalapay can continue to expand its BNPL offering and **drive e-commerce and in-store sales for merchants**, leveraging our loyal and highly engaged customer community.” **BNP Paribas** structured and arranged the debt financing for the transaction. Scalapay’s internal legal team was supported by **CBA Studio Legale e Tributario as legal counsel**, while BNP Paribas was advised by **Linklaters LLP** as legal counsel. **Centotrenta Servicing S.p.A.** acted as master servicer for the securitisation transaction. About Scalapay Scalapay is the leading Buy Now, Pay Later platform in Southern Europe, transforming the way more than **6.8 million users** shop online and in-store by allowing them to split their purchases into interest-free instalments. Scalapay’s mission is to enable more than **8,000 partner brands** to offer their customers magical shopping experiences with brands such as Veralab, Douglas, Patrizia Pepe, Twinset, Alpitour, Best Western and many others. For more information, visit [www.scalapay.com](http://www.scalapay.com). About BNP Paribas BNP Paribas is the leading bank in the European Union and a key player in the international banking sector. The Group operates in **63 countries** and employs nearly **183,000 people**, including more than 145,000 in Europe. BNP Paribas holds leading positions across its three main business areas: Commercial & Personal Banking & Services, Investment & Protection Services, and Corporate & Institutional Banking. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy and Luxembourg, with a strong presence also in Mediterranean countries, Turkey and Eastern Europe. BNP Paribas has implemented a Corporate Social Responsibility approach across all its activities, contributing to building a sustainable future while ensuring the Group’s performance and stability. [Press & Events](https://blog.scalapay.com/en/blog/tag/press-events) ## Subscribe to the newsletter **More than 50k companies** are subscribed to our newsletter! Receive updates on e-commerce trends and Scalapay products:    ## Recommended for you ### Scalapay & Adyen: BNPL to Boost Sales for... [Read more](https://blog.scalapay.com/en/blog/scalapay-adyen-bnpl-to-boost-sales-for-thousands-of-merchants) ### SCALAPAY - BNP PARIBAS FINANCING AGREEMENT FOR... 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