Buy Now Pay Later

More conversions, higher basket size, and more repeat purchases

Turn visitors into loyal customers through an invisible BNPL solution focused on your brand reputation and your customer experience


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Fewer abandoned purchases
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Higher conversion compared to branded-BNPL
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Stronger growth with outsourced invoicing

Convert visitors into loyal customers with the only true white label BNPL system

  • Keep full control over your brand and processes
  • Offer a customized experience that builds trust and loyalty
  • Stay in touch with your customers and prevent them from migrating to competitors due to promotions
Intentionally invisible

With our white label solutions, your customers don’t see our brand, only you. We work behind the scenes to manage all BNPL processes and risks so that your brand is strengthened.

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Your growth partner

Unlike our competition, we don’t push your customers with offers and discounts from other platforms and brands. We are on your side and only profit when you profit.

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Modular principle

We customize our solution to meet the needs of your customers to deliver the best experience. Flexible features and terms allow us to adapt our offering to your business.

You are the hero

We offer a natively integrated BNPL solution that manages all processes (from payment to customer service) and risks in the background without showing our brand, forcing your customers to subscribe to another service, or diverting them away from your platform.

Store manager at an e-commerce platform where they implemented a buy now pay later solution

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An outstanding customer experience

Your brand all the way – from checkout to communication. Let shoppers pay in installments, on account or by direct debit without them leaving your website and being directed to your competitors through promotions.

Our promise

  • Strengthen your brand and customer relationship through white label
  • Flexibility and customization
  • Full control and transparency
  • Responsible approach to risk management
  • Profitability from day one
  • Security through a 100% payout guarantee
  • Sustainability: As part of our corporate strategy, we fight for a society worth living in and against the exploitation and destruction of our planet
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Ask our customers

Oliver Klapschus heizoel24

Oliver Klapschus

“Ratepay offers precisely the tailor-made solutions that we need, and is also willing to go the extra mile with us with regard to development.“

florian spatz juwelo ratepay

Florian Spatz

“Regardless of the processes that are running the background: The customer purchases from Juwelo.” White label is a fantastic option.”

Jaschinsky flyeralarm ratepay

André Jaschinsky
Manager of Treasury

“High level of service, pragmatism and solution-orientation. That is what we appreciate most about you. Your uncomplicated hands-on mentality never fails to impress.”

Get started now!

1. Contact us. We will contact you immediately after you have filled out our contact form
2. You tell us more about your expectations and we show you how we can get there together
3. Our experts guide you through the entire process, from planning to direct implementation and beyond
4. On your mark, get set, go. More buyers, more repeat purchases, more loyal customers while we do all the work

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