Satispay — Paga in 3 vs Soisy — Paga a Rate
In short: Satispay — Paga in 3 if your usage matches its strength, Soisy — Paga a Rate otherwise — the numbers above beat any slogan.
| Satispay — Paga in 3 | Soisy — Paga a Rate | |
|---|---|---|
| Tier | C | C |
| Rating | ★ 3.3 | ★ 3.2 |
| Representative-example APR | 0% APR | 7.19% |
| Loan amount | €3 – — | — |
| Number of instalments | 3 | 12 |
| Lender | BNPL / deferred payment | BNPL / deferred payment |
| Mandatory insurance | No | No |
| KYC | Light | Full |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Regulator | CSSF (Lussemburgo) / Banca d'Italia | Banca d'Italia |
| Segment | B2C | B2C |
| Max APR | — | 14.95% |
| Usury threshold | — | 17.713% (Credito finalizzato, 3° trim. 2026) — APR sits at 41% |
| Term | — | 3–36 months |
| Reported to credit bureaus (CRIF) | — | Yes |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Istituto di moneta elettronica (IMEL); credito "Paga in 3" erogato da Satispay Europe S.A. | Istituto di pagamento vigilato da Banca d'Italia (modello di prestito tra privati / P2P lending) |
Frequently asked questions
Satispay — Paga in 3 vs Soisy — Paga a Rate: which is better?
In short: Satispay — Paga in 3 if your usage matches its strength, Soisy — Paga a Rate otherwise — the numbers above beat any slogan.
Is Satispay — Paga in 3 custodial or self-custody?
Satispay — Paga in 3 is custodial: funds are held by the platform, while Soisy — Paga a Rate is custodial.