Ratepay and Consors Finanz launch joint Buy Now, Pay Later solution with flexible post-purchase financing
- The integrated white label solution provides maximum flexibility for end customers – even long after the purchase.
- After completing the purchase, customers will receive an offer to finance their invoice amount.
- The entire payment processing takes place in the retailer’s brand world.
Berlin, June 24, 2025
Leading white-label payment provider Ratepay and established financial services provider Consors Finanz have teamed up to develop an enhanced Buy Now, Pay Later (BNPL) solution for merchants. As of now, Ratepay and Consors Finanz offer their partners an expanded version of the open invoice and direct debit products. A special feature: The invoice amount can be financed subsequently at the request of the end customer. This allows for maximum repayment flexibility.
Thanks to the proven white-label approach, the merchant benefits from a BNPL offering under their own branding. Payment processing and communication are handled with the merchant’s own brand. This ensures that they retain control over the customer relationship and strengthen their brand.
Sabrina Flunkert-Glinzer, CEO of Ratepay, comments: “German consumers have long trusted invoice payments for their ease of use and reliability. Through our partnership with Consors Finanz, we are enhancing this proven payment method, offering the flexibility shoppers increasingly demand while maintaining the security they expect. This innovation represents our commitment to further developing payment solutions that meet the needs of merchants and consumers alike.”
“This partnership of an experienced white-label provider with an established financing partner is currently unique in the market and offers several advantages,” says Oliver Schurack, Head of Retail Financial Solutions at Consors Finanz. “With the new solution, the retailer retains full control over the transaction, secures higher conversion rates by focusing on its own brand, and at the same time offers customers real added value through the additional convenient repayment option.”
Invoice payment remains the most trusted payment method in Germany – preferred by 83% of shoppers[1]. The Ratepay and Consors Finanz partnership extends this solution with unprecedented flexibility that meets the expectations of modern consumers.
Sabrina Flunkert-Glinzer, CEO von Ratepay (Image source: Ratepay)
Oliver Schurack, Head of Retail Financial Solutions (Image source: Consors Finanz)
About Ratepay
Ratepay is Europe’s leading expert in white label Buy Now Pay Later (“BNPL”) payment solutions. Specializing in payment methods such as payment by invoice and direct debit, Ratepay enables seamless and secure purchasing processes for e-commerce merchants and their customers. The focus on white label allows merchants to retain control over customer data and communication and to highlight their own brand throughout the payment process.
Ratepay GmbH was founded in December 2009 in Berlin and employs more than 200 people. It is part of the Nexi Group.
https://www.ratepay.com/en/
Press contact:
Ratepay
Ann-Katrin Janiec
ann-katrin@ajari-institut.com
About Consors Finanz
Consors Finanz stands for financial self-determination in every life situation. This is why the company focuses on financing and insurance solutions which can be flexibly adapted to the solvency of the customers. Whether dynamic credit lines, individual financing or adaptable card products – with Consors Finanz’s digital banking, customers take their liquidity into their own hands. The company relies on innovative technologies, highest security standards and responsible lending.
Consors Finanz is one of the leading providers of consumer loans in Germany. The company is a recognized financing specialist, particularly in the retail, e-commerce and automotive business. Its broad range of products and services is aimed at partners such as retail companies and brokers, for example for sales financing, as well as at end customers for consumer financing and debt restructuring. In addition, there are supplementary insurance and additional products which Consors Finanz offers with cooperation partners. Consors Finanz is a brand of the international BNP Paribas Group.
www.consorsfinanz.de
About BNP Paribas in Germany
Leader in banking and financial services in Europe, BNP Paribas operates in 64 countries and has nearly 178,000 employees, including more than 144,000 in Europe. The BNP Paribas Group has been active in Germany since 1947 and has successfully positioned itself on the market with twelve entities. Private customers, companies and institutions are looked after by roughly 6,000 employees in all relevant economic regions all over the country. The wide-ranging products and services offered by BNP Paribas are that of an innovative universal bank.
www.bnpparibas.de
Contact:
Consors Finanz
Dr. Anja Wenk
Deputy CEO & Press spokesperson
E-Mail: presse@consorsfinanz.de
[1] Source: Norstat Study, 2024
