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
Meet our leadership team
Sabrina Flunkert - CEO
Sabrina Flunkert joined Ratepay as CFO and Managing Director in 2019 and was appointed CEO in 2024. Throughout her career, she has been passionate about technology and commerce — and sees payments as the ideal combination of both. Before her time at Ratepay, Sabrina spent over 15 years in the finance and retail industry. She held senior leadership positions at the private equity fund EQT and UBS Investment Bank and was Group CFO of the privately held Avenso Group. As CEO, she leverages her extensive expertise in value creation and leadership to expand Ratepay’s success as the leading BNPL provider in the DACH region. Sabrina holds degrees from Harvard Business School and Maastricht University.
Sidharth Chugh – CTO
Sidharth Chugh is CTO and Managing Director at Ratepay. Throughout his career, he has been driven by a passion for creating scalable, future-ready technology. With more than 15 years of experience in technology spanning fintech and enterprise banking, Sidharth has guided platforms through hyper-growth, regulatory complexity, and international expansion. Prior to joining Ratepay, he held senior leadership positions at ING Bank and several fast-growing fintech companies. At Ratepay, Sidharth shapes the technology vision with a clear emphasis on performance, innovation, and scalability. As a dedicated mentor and team builder, he fosters empowered engineering teams that consistently deliver business impact.
Dr. Steven Lemm – Managing Director
Dr. Steven Lemm is Managing Director “Marktfolge” at Ratepay and, as part of the executive team, responsible for adherence to financial regulations and managing the companies’ risks. A thought leader and strategic advisor in data & AI, he is also advising the management board on shaping and implementing the AI and data strategy. With over 20 years of experience in building data teams and delivering measurable business impact, Steven has consistently developed AI applications that strengthen both technical foundations and business operations. Before joining Ratepay, he held senior leadership roles at leading tech companies, including Babbel, Zalando, and Outfittery. Steven earned his PhD in Machine Learning from Technische Universität Berlin.
Carlos Sanchez – CPO
Carlos Sanchez is Chief Product Officer at Ratepay. As part of the leadership team, he defines and executes the company’s product strategy and oversees the consumer risk organization, leveraging data and insights to balance growth and risk. With over 15 years of experience in fintech, banking, and e-commerce, Carlos leads Ratepay’s product teams while driving end-to-end ownership of credit, fraud, and risk operations to ensure underwriting and regulatory requirements are embedded into every product design. Before joining Ratepay, he held senior leadership positions at fintech companies such as SumUp and N26 Bank. Under Carlos’ leadership, Ratepay continues to innovate in payment solutions, combining security, convenience, and customer trust.
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.