By integrating the RatePAY products RatePAY Instalments or RatePAY Invoicing into your online shop you are on the right track. RatePAY offers you a large number of advantages:

• 100% protection against default payments: RatePAY bears the full risk of default payments for both payment methods – this means you will get your money even if the customer doesn’t pay in the end which means security for you.!
• Pre-financing: we increase your liquidity. When offering RatePAY Instalments you will get your money and in one sum; there are no split payments.
• Efficient risk-checks: the risk-check of your customers is completely done by RatePAY. The risk-check is done online and in real-time during the check-out process of your customers. The result is determined quickly, fully automated and in real time. The payment process is not interrupted by any media discontinuity such as the time-consuming Postident procedure. RatePAY’s check and evaluation procedures are based on long-standing experience and are constantly fostered, adapted and optimized.
• Easy integration: one gateway only. Our payment methods can be integrated into your online shop easily and quickly. You can integrate only one RatePAY payment method or both payment methods at the same time. RatePAY Invoicing and RatePAY Instalments can be integrated via one interface only, either directly (API integration), via a PSP partner of ours, via a shop system or via your ERP system.
• Easy processing: besides all risk-checks RatePAY also processes the debtor management for you. Our highly experienced partners monitor your incoming payments and also take care of the dunning process as well as the debt collection procedure. RatePAY efficiently organizes and triggers all processes and also coordinates all parties involved.
• Attractive payment methods: paying by invoice and in instalments is getting more popular for German online shoppers. There are good reasons why paying by invoice is by far the most popular payment method among German online shoppers. Moreover, by offering different payment methods you decrease the purchase cancellation rate in your online-shop.

• Your benefit of all these advantages is an increase in revenue and profits. You can make your online-shop more attractive by offering RatePAY Invoicing and RatePAY Instalments. By offering our payment methods you can gain new customers and your regular customers enjoy returning to your shop. Customer retention and customer satisfaction will increase as well as the value of the shopping basket.