Welcome to Europe’s leading white label payment
solutions provider.

With over 300 creative people, we work every day on tailor-made solutions for major online retailers and marketplaces.

We are Ratepay.

Ratepay was founded in 2009, a Fintech company from day one, we arose from the heart of the payment scene to become Europe’s number 1 white label payment provider. Ratepay was once a wholly owned subsidiary of the Otto Group. Since 2017, we have been part of Advent International and Bain Capital as an independent payment brand within the Nexi network.


growth in net revenue vs. last 2020

60 %
women working in top management

The Management.

Friderike Schröder

Friderike Schröder is the Chief Human Resources Officer. She is responsible for the People & Organization division with focus on organization development, agile transformation and employer branding. She is a business graduate with over 10 years of experience in HR and Recruiting. Prior to her current role, she served as the HR Division Manager at the online consumer portal Verivox. In that role, she was instrumental in setting up the personnel area of the internet platform Rocket Internet.

Philipp Schaaf

Philipp Schaaf is the Chief Operating Officer at Ratepay and thereby responsible for overseeing the operational aspects of the business. In addition to the key areas of debtor management, customer services and SAP development, he is driving forward marketplace and financing related topics. Before joining Ratepay, he was a business graduate and he undertook a wide range of roles in the Otto Group, having worked for several years in China.

Denny Morawiak

Denny Morawiak is the Chief Commercial Officer at Ratepay and is responsible for the market division. With over 12 years of experience in e-commerce and the consulting industry, he most recently served as Director EU Merchandising Services for Wayfair and previously as Asscociate Partner for McKinsey & Company.

Luise Linden
Managing Director, CTO

Luise Linden is CTO and Managing Director at Ratepay and is responsible for the back office. She is in charge of product engineering, IT infrastructure and IT service operations, thus ensuring the development and 24/7 operation of Ratepay products. Since 2011, the graduate computer scientist has been part of the Ratepay team and previously, as Director Product & Development, was instrumental in driving the agile transformation.

Dr. Steven Lemm

Dr. Steven Lemm is Chief Risk and Data Officer at Ratepay, responsible for the entire risk management process as well as business intelligence and information security. With more than 15 years of experience in artificial intelligence and data science from the e-learning and e-commerce environment, he was most recently VP Data & Intelligence at the e-learning platform Babbel, Director Predictive Buying at the online retailer Zalando, and Chief Data Officer at the online shopping service Outfittery.

Sabrina Flunkert

Sabrina Flunkert is the Chief Financial Officer at Ratepay and is responsible for the entire finance and accounting department. With over 11 years of experience in the financial sector, she is the former General Manager and Chief Financial Officer of the Avenso Group as well as a Private Equity Director at the Swedish financial investor EQT Partners.

Nina Pütz

Nina Pütz is the new CEO of Ratepay since September. With more than 17 years of experience in e-commerce, Nina was most recently managing director of the online shopping club brands4friends and worked for 15 years in various management roles at the online marketplace eBay.

Interesting facts about us


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