Strengthen your brand
Expand your merchant network and offering without taking on risk. Our seamless payment solutions are built for scale, speed, and profitability.
One integration. A multitude of benefits.
We deliver seamless integrations, eliminate buyer risk, empower your brand, and drive real business results.
Want to offer your merchants popular BNPL solutions without taking on risk? With Ratepay, you can! Benefit from zero risk and stay in control of the merchant relationship while we handle everything buyer-side.
Our payment solutions are customizable to reflect your merchant's look and feel. And we never monetize buyer data or cross-sell your merchants. Instead, we deliver real business impact: double-digit growth, higher basket sizes, and stronger retention.
Together, we enable seamless access to customizable BNPL. With straightforward contracts covering everything from factoring to compliance and cash flow, Adyen merchants can confidently offer trusted payment experiences under their own brand.
PayPal brings our Invoice solution to its entire merchant base – with a strong focus on SMEs. This Plug & Play partnership gives merchants instant access to one of the most trusted payment methods in the DACH region.
UniCredit supports the expansion of Ratepay’s BNPL portfolio. By strengthening financing capabilities, the partnership ensures merchants benefit from swift payouts, improved cash flow, and scalable growth, while shoppers enjoy convenient post-purchase flexibility.
16%
54%
38%
Our solutions
Pay in 30 days
Used in up to 60% of checkouts
Smooth checkout with minimal steps
Switch to 0% installments post-purchase
No credit risk or regulatory burden
Increased conversion rate
Split payments into 3 interest-free installments
Boost basket size by up to 16%
Seamless and secure experience
Invoice & Direct Debit hosted by Ratepay
Customizable to match your brand's look & feel
No operational overhead or heavy integrations
Hear from our partners
“The partnership with Ratepay marks a pivotal step in our mission to support merchants with brand-friendly, white label payment solutions across Europe. Together, we’re building a future where the merchant stays front and center – owning the customer relationship, the data, and the brand experience.”
Wilhelm Hyltén-Cavallius, CEO at Avarda
Simple steps, real impact
Start the partnership with a streamlined onboarding process. We help you bring merchants into a clean Plug & Pay ecosystem, with straightforward contracts from day one.
Connect your entire merchant network through a single integration. No need for individual merchant development.
You stay in control of the merchant relationships. We handle all buyer-side operations – including risk, dunning, customer support, and payouts.
Drive higher transaction flows, expand into new markets, and increase revenue with minimal friction. With Ratepay you get one integration, one set of agreements, and a seamless expansion model.
Keep your brand front and center. Our technology stays in the background while you lead the journey.
Peace of mind across markets and merchant types: Our products are made in Germany, designed for GDPR, regulated under BaFin, and backed by precise risk management.
Checkout Simulator
Our solutions are fully customizable and seamlessly integrated into your merchants’ checkout, keeping customers fully within their brand experience – not ours.
Brand integrity instead of brand dilution
Branded checkout, confirmations, and buyer portal
Friendly communication and customer service in their tone
Yes, Ratepay offers partnerships with payment service providers, resellers, and marketplaces looking to offer flexible Buy Now, Pay Later solutions such as Invoice, SEPA Direct Debit, or Hosted Payment without added risks and complexity.
Yes, our Plug & Play solution is ready-to-go and allows instant onboarding of multiple merchants at once.
Ratepay partners with leading payment service providers, resellers, and marketplaces such as PayPal, Adyen, UniCredit, Computop, and Arvada.
If you would like to work with us, simply contact us using our contact form and we will get back to you.
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Developer Ressources
Discover how easily you can integrate Ratepay into your existing infrastructure.
Browse our developer resources