Join the 6,000+ group of e-commerce heroes that include:
Turn visitors into loyal customers with truly invisible BNPL products
- Retain full control over your brand and processes
- Offer a personalized buying experience that leads to more trust and customer loyalty
- Be the only brand buyers interact with to avoid losing customers to competitors through referral marketing activities carried out by branded payment providers
Proud to be invisible
Thanks to our White Label approach, our brand never shows up anywhere. Your customers only interact with your brand while we manage risk and carry out all BNPL processes in the background. You are the protagonist and your buyers stay in your brand world.
You revenue partner
Unlike branded payment providers, we never target your customers with promotional activities and vouchers for other products. Our business model is not based on referral fees: we only generate profit if we help you increase your volume. Our growth is a by-product of your success.
Modular system
You can configure our services to match your customer needs so to be able to offer the best customer experience. Flexible functionality is based on a modular architecture that adapts to your specific vertical and business model.
You’re the hero
With Ratepay, you’ll be able to work with natively integrated BNPL products while we take care of every process in stealth-mode: from risk assessment to customer service and communications. Our brand is never to be seen. And this also means that customers will never need to abandon your shopping interface, register an account with an external provider, or download any applications.
An outstanding customer experience
Your buyers constantly remain in your brand world, from checkout to emails and other forms of communication. Offer your customers to pay via open invoice, via direct debt, or in installments without ever abandoning your site and without being bombarded with promotional messages for other retailers or financial services.
Our promise
- Increased customer loyalty through an optimized checkout experience
- Flexibility through modularity
- Full transparency and control over each transaction
- Reputability through responsible risk management processes
- Profitability from day one
- Security through our 100% payout guarantee
- Sustainability, a key element of our corporate strategy that hinges on the needs of all internal and external stakeholders, our community, and our planet.
What our customers say
Oliver Klapschus
MD Heizöl24
“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
MD Juwelo
“Regardless of the processes that are running the background: The customer purchases from Juwelo. White label is a fantastic option.”
André Jaschinsky
Manager of Treasury, FLYERALARM