Invoice & Direct Debit

Power your brand growth with frictionless Invoice & Direct Debit

Offer DACH’s most trusted payment methods to boost conversions, average order value (AOV), and new customer acquisition without sacrificing your brand. White label, secure, and merchant-first.

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Screenshot of our invoice payment and direct debit product

Made in Germany

Trusted by leading e-commerce brands

BaFin regulated

15+ years of experience in DACH payments

100% payout guarantee

No upselling, cross-selling, or trading of customer data

Backed by Nexi Group

Partners include Adyen, PayPal, Consors Finanz & Unicredit

Enjoy now and pay in 30 days

Invoice: Offer the most trusted payment method in the DACH region

Maximize sales with flexible payments
Pay in 30 days gives shoppers security and buying power — while you capture higher order amounts. This flexible payment option reduces checkout friction and drives more conversions at the point of intent.
Build loyalty with a seamless checkout
Invoice payment is a fast, intuitive checkout experience that keeps shoppers happy. Minimal steps and a smooth customer flow turn first-time buyers into repeat customers.
Reach the customers you could be losing
83% of shoppers plan to pay by invoice in the future. If you don’t offer it, many potential customers may choose your competitors instead.
Reduce risk while maintaining approvals
Precise AI-powered risk management and secure OTP verification prevent fraud in real time, maximizing approval rates without compromising security. On top, we guarantee 100% payout, giving you predictable cash flow and zero credit risk.

SEPA Direct Debit: Simplify payments and unlock recurring growth

Reduce checkout abandonment
Direct Debit is a familiar payment method across the DACH region. Many shoppers prefer it for subscriptions, memberships, and recurring services, helping you maximize conversion rates and minimize cart abandonment.
Automate payments that eliminate risk
We ensure payments are automatically deducted on the due date. No hassle for your customers and no manual follow-ups for your team.
Eliminate administration costs
We handle all administrative costs for you, including reversals. So, you can focus on growing your business while we take care of the operational details.
Faster payments for repeat customers
Offer your customers the option to enter their details once and save them. The next time they visit your shop, customers conveniently pay with just one click, resulting in faster checkouts and improved retention.

DACH's most beloved payment methods.

Boost conversions. Strengthen loyalty. Scale easily.

Leading e-commerce brands increased their acceptance rate by 5% when switching to Ratepay.

Boost acceptance rates
Our real-time risk scoring, advanced fraud prevention, and intelligent AI models are built to maximize conversions while keeping transactions secure.
We’re your strategic business partner
Talk to a person who truly knows your business: Our account managers act as an extension of your team, providing strategic guidance to optimize performance.
Scale with ease
Grow confidently with quarterly reviews, checkout tuning, and strategies to grow basket size while reducing churn – guided by experts who understand your goals.
Dispute management that protects your brand
With Ratepay’s fully white label solution, disputes are handled in your name and tone. Our friendly dunning process preserves trust and retention.
Keep your customers
Every customer matters. And with Ratepay, they stay yours. We never use their data for marketing purposes, so you maintain the relationship and the revenue.

Hear from our customers

“With Ratepay, offering invoice and direct debit payments is effortless — creating a frictionless shopping experience our customers love.”

Limango

Built to drive your growth

Leading e-commerce brands rely on Invoice and Direct Debit to accelerate growth and streamline payments.

54%
More conversions
16%
Higher average order value
50%
Less cart abandonment

Keep your brand front and center

Choose a checkout experience that keeps your brand in control. Our customizable payment solutions build trust, boost AOV, and drive new customer acquisition. All while keeping your brand in the spotlight.

Screenshot of our payment methods in the checkout

Discover the impact of Invoice and Direct Debit in your industry

Boost fashion sales and stay in control

Let shoppers try before they buy and watch basket sizes grow.

Make big purchases feel easy

Learn how BNPL lowers entry barriers and enables secure payments.

Turn high baskets into conversions

Discover how we enable seamless, secure payments for big-ticket electronics.

Turn browsers into bookers

Let customers pay later, make travel dreams happen, and boost conversion.

Convert everyday purchases into loyalty

Explore how our BNPL solutions help you convert more and retain better.

We grow your business. They grow theirs.

Keep the value you create and benefit from total customer data ownership.

Checkout

Customer experience

Customer data

Marketing

Brand equity

Financial impact

Shopper interacts only with your brand

Brand-building payment flow

Data used only for payment processing

No third-party marketing without consent

Brand equity & loyalty grow

✅ More repeat purchases & higher CLV

Branded provider

Shopper focuses on provider first

Brand-competing payment flow

Data used for provider's marketing & promotions

Shopper exposed to other products & brands

Brand image diluted & loyalty lost

❌ Loss in repeat sales & brand equity

Full security. Maximum peace of mind.

We prioritize payment security. Ratepay protects your business from fraud and defaults, so you can focus on what matters most: your customers.

Smart risk steering with a 100% payout guarantee
Redundant infrastructure & secure hosting
Frictionless OTP verification for high-value purchases

Partnerships

Start with our partners

Integrate Ratepay in no time, with support from our trusted partners and resellers. Our broad network ensures fast onboarding, smooth setup, and expert guidance every step of the way.