BNPL as a trusted APM
Made in Germany
Trusted by leading e-commerce brands
BaFin regulated
15+ years of experience in DACH payments
Reliable payouts
No upselling, cross-selling, or trading of customer data
Backed by Nexi Group
Partners include Adyen, PayPal, Consors Finanz & Unicredit
Flexible, secure, and fully merchant-branded.
Fast and flexible BNPL solutions with seamless API, real-time performance analytics, and full brand control – built to scale your business sustainably.
Pay in 30 days
Used in up to 60% of checkouts
Smooth checkout with minimal steps
Switch to 0% installments post-purchase
No credit risk or regulatory burden
Increased conversion rate
Invoice & Direct Debit hosted by Ratepay
Customizable to match your brand's look & feel
No operational overhead or heavy integrations
Split payments into 3 interest-free installments
Boost basket size by up to 16%
Seamless and secure experience
Our white label approach
Customers trust brands they recognize. And with Ratepay, your checkout stays yours. Our customizable solutions build trust, boost average order value (AOV), and drive new customer acquisition. No distractions and no compromises.
Opt for a checkout that highlights your brand. No redirects, no provider logos, no distractions.
Seamless checkout in your design
No redirects, no apps & no third-party sign-ups
54% higher conversions & CLV growth
Provide a secure, brand-aligned invoicing experience that reduces friction, strengthens relationships, and drives long-term loyalty.
Friendly payment request in your name
Intuitive invoices designed to match your brand
Reliable payouts for your business
Offer a seamless post-purchase experience with our customizable buyer portal that keeps customers engaged and satisfied.
Branded, intuitive payment dashboard
Real-time payment status
QR code payments & smart invoice management
Keep customers connected to your brand at every step and rely on a customer service that processes 90% of all inquiries within 24 hours.
Branded confirmations and emails
Responsive customer service in your tone
Friendly reminders and on-brand dunning
Leading e-commerce brands across industries trust Ratepay’s BNPL solutions to increase sales and streamline payments.
54%
More conversions
When shoppers use Ratepay’s BNPL solutions
16%
Higher AOV
Compared to other popular payment methods
50%
Less cart abandonment
When Ratepay BNPL is available
Performance that scales
Boost conversions, increase basket size, and build loyalty with our customizable BNPL solutions. High acceptance rates and full data ownership mean you grow your business without compromise.
Fully customizable to keep your brand front and center
Proven, frictionless checkout with high acceptance rate
Your data stays yours: used only for payment processing
Strategic partnership
Ratepay is more than a payment provider. We’re your strategic partner for sustainable, scalable growth. Our experts help optimize performance, resolve disputes efficiently, and tailor payout and collection processes to your needs.
Dedicated account managers
Fast and responsive customer service
Seamless checkout flow with no redirects
Seamlessly safe
Protect your business from fraud and defaults while delivering a fast, frictionless checkout. Smart risk scoring, zero fraud exposure, and advanced security measures keep you in control and build trust.
Reliable payouts for every transaction
Real-time risk checks and secure, streamlined authentication
BaFin-licensed and compliant with the highest EU standards
Optimized for success
With flexible data models and a scalable infrastructure, we adapt to your business, whether you're expanding into new markets or managing peak demand.
Performance dashboards with actionable insights
Real-time monitoring to optimize decision-making
Seamless API integration and modern IT infrastructure
With 15+ years of APM expertise and trusted partnerships, we deliver secure, seamless transactions and visible results.
"Thanks to Ratepay, we can offer our customers invoice and direct debit payments with ease – ensuring a smooth shopping experience.”
“Working with Ratepay allows us to offer invoice payments to our customers – completely risk-free.”
“Ratepay’s invoice solution is a key USP and the preferred payment method in our shops. Thanks to Ratepay, we’ve significantly increased acceptance rates and deliver a secure, seamless shopping experience. The partnership is reliable, straightforward, and truly enjoyable.”
“With Ratepay, we offer our customers invoice payments easily and securely. This noticeably improves the shopping experience, builds trust, and significantly reduces cart abandonment. At the same time, we benefit from smooth, risk-free processing that makes our workflows far more efficient. A clear win – for our customers and for us.”
Ratepay protects your business from fraud and defaults, so you can focus on what matters most: your customers.
Smart risk steering with reliable payouts
Redundant infrastructure & secure hosting
Frictionless OTP verification for high-value purchases
Boost fashion sales and stay in control
Let shoppers try before they buy and watch basket sizes grow.
Make big purchases feel easy
Learn how BNPL lowers entry barriers and enables secure payments.
Turn high baskets into conversions
Discover how we enable seamless, secure payments for big-ticket electronics.
Turn browsers into bookers
Let customers pay later, make travel dreams happen, and boost conversion.
Convert everyday purchases into loyalty
Explore how our BNPL solutions help you convert more and retain better.
Partnerships
Become our partner to expand your merchant network and product offering without taking on additional risk.
