Avarda and Ratepay Launch Strategic Partnership Across Europe

• Avarda and Ratepay launch partnership to expand white label payment solutions in the Nordic, DACH and NL markets
• Local favorites invoice and SEPA direct debit now available in the Avarda Checkout, alongside “Pay in 3”
• Merchants benefit from a brand-first, privacy-focused, and fully integrated payment experience

Berlin, Germany – July 3rd, 2025

By joining forces, two leading white label providers—each a specialist in their home market—are delivering a brand-first, trust-driven alternative for merchants across Europe.

The launch enhances the Avarda Checkout with widely used local payment methods, including invoice and SEPA direct debit—both of which remain among the most preferred payment options in the DACH region, with over 70% of German online shoppers favoring invoice-based payments.

The addition of “Pay in 3” provides customers with a flexible way to split purchases into three simple, transparent installments. This helps shoppers manage their budgets more easily, while merchants benefit from increased loyalty and higher average order values.

With a strong focus on expanding throughout the DACH region and the Netherlands, the partnership delivers local expertise, a full-coverage payment solution, seamless merchant support, and a future-ready model grounded in trust, transparency, and profitability.

Executive Statements

Wilhelm Hyltén-Cavallius, CEO at Avarda:

“This partnership with Ratepay marks a pivotal step in our mission to support merchants with brand-friendly, white label payment solutions across Europe. Together, we’re building a future where the merchant stays front and center—owning the customer relationship, the data, and the brand experience.”

Sabrina Flunkert-Glinzer, CEO at Ratepay:

“Avarda shares our deep belief in trust, transparency, and local expertise. By joining forces, we can bring even greater value to merchants across Europe—especially in the DACH and NL regions—while continuing to champion data privacy and consumer confidence in every transaction.”

Why It Matters

The Avarda–Ratepay partnership sets a new standard in merchant-first payment infrastructure:

• Brand-first experience – The customer journey is fully owned by the merchant, increasing time spent with the brand and deepening customer loyalty.
• Full data ownership – Merchants maintain control over their customer data and can turn insights into strategic advantage.
• Privacy-first foundation – With both companies rooted in Nordic and German values, data protection and compliance are built into the core.
• Streamlined support – One point of contact ensures smoother onboarding, ongoing optimization, and consistent support across markets.

Together, Avarda and Ratepay are redefining the future of payments—one where trust, transparency, and merchant empowerment lead the way.

Sabrina Flunkert-Glinzer, CEO Ratepay (Image source: Ratepay)

Wilhelm Hyltén-Cavallius, CEO Avarda (Image source: Avarda)

About Ratepay

Ratepay is Europe’s leading expert in white label Buy Now, Pay Later (BNPL) payment solutions. Specializing in payment methods such as invoice and direct debit, Ratepay enables seamless and secure purchasing processes for e-commerce merchants and their customers. The white label approach allows merchants to retain control over customer data and communication, and to highlight their own brand throughout the payment process.

Ratepay GmbH was founded in December 2009 in Berlin and employs more than 200 people. It is part of the Nexi Group.

For media inquiries, contact:
ann-katrin@ajari-institut.com

About Avarda

Avarda is a leading payment solution provider in the Northern European region, offering complete checkout solutions designed to maximize conversion and repurchase rates. Through white label payments, Avarda enables retailers to own the entire customer journey, creating fully branded checkout and post-purchase experiences that strengthen brand identity and build customer loyalty. Avarda’s customizable solutions integrate smoothly with business operations, helping merchants drive long-term growth.

For media inquiries, contact:
pr@avarda.com