The Ratepay added value – what makes our products unique

We take care of the entire value chain together with the full fraud and payment default risk

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Overview of the major features that make us unique

White label

You get access to all of our payment solutions with the look & feel of your online shop, without redirecting your users and without branding from Ratepay. As such, the customer experience takes place entirely within your online shop. Ratepay remains invisible and only steps in should things get uncomfortable: when it comes to payment reminders.

AI-based risk analysis in real time

The artificial intelligence we developed is incorruptible and sniffs out fraud before it happens. It checks whether your customers are solvent and whether they are who they say they are in microseconds. This way, you gain real customers and we can protect you 100% against payment default.

The entire value chain

We support you – from help with integration and customer service to debtor management and payment reminders – so you can focus on your business. Our friendly and competent team answers questions, provides payment deadline reminders, and quickly solves problems with fair dunning letters/reminders.

Cross-channel solutions

Our payment methods are multi-channel solutions and are available from everywhere. Online, at point of sale, on wearables, at Machine2Machine communication, on the steering wheel of a car or on the internet of things? The possibilities are endless.

Customized solutions

One of our major strengths is developing custom solutions. We love challenges, want to improve things, and find answers that suit your unique needs. With a lot of attention to detail and using the latest technologies.

100% payment guarantee

We bear your risk of payment default – no ifs or buts – without any pending status. We work closely with you, optimizing prices and acceptance rates with every transaction.

Real B2B solutions

Dynamic deadlines, specialized billing, different price categories – Your corporate customers present you with very particular challenges. For this reason, we provide you with genuine B2B solutions that enable you to offer individual support for this special customer group.
By the way: Companies in the D-A-CH region also prefer to pay with invoice.

Comprehensive data protection

We are subject to strict monitoring by BaFin and we store all data on German servers. When it comes to data storage, we act in accordance with the regulations of the General Data Protection Regulation of the European Union (GDPR) and the German Federal Data Protection Act (BDSG). Very important: We do not up-sell or cross-sell and do not trade consumer data at any time.

Sounds exciting? Let’s get started.