About us
Trusted by merchants and loved by shoppers
Ratepay at a glance
We empower merchants to grow confidently and customers to shop conveniently through seamless BNPL, collaborative partnerships, data-driven insights, and continuous innovation.
Made in Germany for Europe
Founded in 2009 in Berlin, Ratepay has evolved from a FinTech pioneer into a leading white label BNPL provider. Today, we deliver tailored payment solutions for merchants and shoppers across the DACH region and the Netherlands, combining local expertise with international reach. One of our most popular APM products, “Pay in 30 days” – known as Rechnungskauf in Germany – remains one of the region‘s most beloved payment methods. Today, it's selected by every fourth shopper at checkout.
Part of Nexi Group
For more than 15 years, providing customer-first solutions has been at the heart of our business. To further strengthen our local approach in today's fragmented market, Ratepay became an independent brand within the Nexi Group – Europe's leading PayTech provider – in 2021, unlocking new opportunities for growth and innovation.
BaFin regulated and secure
Compliance and security have been fundamental to our business since day one. We operate and adhere to the strictest national & EU regulations like ZAG, PSD2, GDPR & AML law and are supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (“BaFin”). Fraud & money laundering prevention and responsible credit risk management are central to everything we do.
Payments are local – and so are we
Payments aren’t one-size-fits-all. Every market has its own preferences, and at Ratepay we embrace them. Take Germany, for example: here, Rechnungskauf – payment by invoice – is part of the culture. Invented by Werner Otto over 70 years ago, it remains the most beloved BNPL method today. That love isn’t accidental; it reflects what matters most to German shoppers: trust, security, and control. Respecting these preferences means higher conversion and happier customers. That’s why we tailor our solutions to fit the way people pay. Not the other way around.
+15
Years of experience
As a leading provider of BNPL solutions
~ 200
Talented employees work for Ratepay
From our HQ in Berlin
50%
DACH consumers have tried Ratepay
Some of the most trusted payment methods
The Ratepay Code of Conduct
Curious about what drives us? Our Code of Conduct reflects our values. Download it to gain a deeper understanding of what matters to us.
Convenient, secure, and fully merchant-branded
Payment solutions built for e-commerce
Invoice & Direct Debit
Pay in 30 days
Used in up to 60% of checkouts
Smooth checkout with minimal steps
Invoice+ & Direct Debit+
Switch to 0% installments post-purchase
No credit risk or regulatory burden
Increased conversion rate
Hosted Payment Page
Invoice & Direct Debit hosted by Ratepay
Customizable to match your brand's look & feel
No operational overhead or heavy integrations
Pay in 3
Split payments into 3 interest-free installments
Boost basket size by up to 16%
Seamless and secure experience
Shape the future of payments with us!
Ready to take the next step in your career? We create payment solutions for leading online retailers, shaping the future of payments.