"We're building the European standard for retail payments" – Gennaro Scotto di Carlo presents the new Inprimepay platform

The European digital payments market is undergoing a profound reshaping. After years of volume-driven competition and transaction cost competition, the bar has shifted: compliance, security of flows, and merchant network quality and reliability have become the true competitive variables, also due to an increasingly stringent regulatory framework—from PSD2 to the new European directives on anti-fraud and digital operational resilience. In this scenario, technology platforms that simply "move money" risk losing ground to those offering infrastructures that integrate payment, merchant verification, contractual arrangements, and ongoing monitoring into a single, governed flow.

It is in this direction that it moves Inprimepay, an Italian company specializing in retail payment orchestration, recently announced a structural evolution of its platform. The new model introduces risk scoring during the onboarding phase, natively integrated contracts, and a real-time audit system, designed to qualify the merchant network and make it a strategic asset for fintech partners. Strengthening its positioning is the entry into the Scalapay ecosystem partner program, a national first on Stripe, which opens up new prospects for qualified distribution in the European market.

Of this transition - and of the declared ambition to build a European standard for fintech distribution — we talked to Gennaro Scotto di Carlo, CEO and founder of Inprimepay.

Inprimepay has announced a major platform evolution. What exactly is changing?

We've made a structural leap. We're no longer just a payment orchestrator, but a true operational infrastructure for merchants and providers.

The new platform integrates three key elements:

• risk score already in the onboarding phase
• integrated contractualism
• continuous audit

But there is an even more important point: the merchant qualification has become a strategic asset.

It's not just internal control. It's a added value that we wanted to provide directly to our fintech partners, to position ourselves not only as a technology, but as qualified reference distribution tool.

The onboarding risk score is a very current topic. How does it work?

Our goal is not to block, but select and qualify.

Through integrations with official databases and company registers, we analyze the merchant's structure, operational consistency, and corporate profile in real time.

One comes from it immediate risk profile, which becomes a concrete advantage for our partners.

They don't just receive volumes, but merchants already filtered and consistent with their standards.
This completely changes the quality of the distribution.

Have you also revised the contractual part with OTP? What has changed?

Contracts with OTP were already present, but today they have been completely integrated into a proprietary structure within the platform.

They are no longer a separate step, but a native element of the operational flow.

This brings three concrete advantages:

• faster activations
• greater traceability
• higher legal strength

Each contract is directly linked to the merchant's data, risk score, and audit systems.
It's not just a signature anymore: it's part of the infrastructure.

Let's talk about integrated auditing. How does it differ from traditional models?

Traditionally, the audit comes later. We brought it in. inside the platform, in real time.

We continuously monitor behaviors, flows, and anomalies.

This further strengthens our role: we not only enable payments, but we maintain the quality of the merchant network over time.

For providers, this is a radical change: they work on a living, controlled, and constantly updated ecosystem.

You've joined Scalapay's ecosystem partner program. What impact does it have?

This is an important strategic step. Entering the Scalapay ecosystem, in national preview on Stripe, further strengthens this model.

The goal is to offer partner providers a optimized, simplified and secure business solution, but above all one quality distribution.

It's no longer just about activating merchants, but about bringing right merchants, ready to perform.

What is the concrete advantage for merchants and partners?

For merchants: less bureaucracy, faster onboarding, and higher conversions.
For partners: less risk, more quality, and greater scalability.

Inprimepay becomes the point of equilibrium: less friction, more value for all stakeholders.

Where does Inprimepay want to go in the coming months?

We are building a standard.

We want to be recognized not only as a payment platform, but as a qualified distribution infrastructure for European fintech.

Anyone who enters our ecosystem must be ready to grow solidly.
We are not interested in volume as an end in itself, but in the quality that scales.