The Ratepay added value – what makes our products unique

We take care of the entire value creation chain and assume the full fraud and payment default risk for you.

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An overview of the points that make us unique

White label

You get all of our payment solutions in the look & feel of your online shop. Without forwarding or branding from a third party provider. In this way, the entire customer experience takes place within your online shop. We remain invisible as Ratepay and only step into the foreground 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 creation chain

We support you – from help with integration and customer service to debtor management and payment reminders. So you can concentrate fully on your products and services. Our friendly and extremely competent service answers questions, provides payment deadline reminders, and quickly solves problems with fair overdue notice cycles.

Cross-channel solutions

Our payment solutions are multi-channel solutions and are available anywhere you want them to be. 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 completely 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 assume your payment default risk – no ifs or buts. Without any pending status. We work very closely with you and optimize prices and acceptance quotas with every transaction.

Real B2B solutions

Dynamic deadlines, specialized billing, different price categories – your company customers have lots of challenges in store for you. For this reason, we give you real B2B solutions so you can provide custom support for this special customer group. By the way: Companies in the D-A-CH region also prefer to pay by 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.