Invoice+ & Direct Debit+

Flexible post-purchase installments that drive conversions, AOV & loyalty

Let customers buy first and decide later. Empower post-checkout flexibility that reduces hesitation, and lifts repeat purchases with up to 12 months of 0% installments.

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Screenshot of our invoice plus and direct debit plus 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

How post-purchase installments work

Flexible payments from the start
Your customers checkout using Invoice or Direct Debit. The “+” gives them the option to convert their invoice into a long-term financing booster later.
Seamless communication at the right time
The installment offer is natively embedded into your existing email or reminder flow. No new systems, no redesigns, no confusion.
Easy switch to installments
With just a few clicks, customers can turn their purchase into a flexible financing plan powered by Consors Finanz. Either 0% installments for up to 12 months or up to 60 months with interest.
Simple plan selection
The customers choose their preferred payment term and monthly rate within an intuitive interface. And as with all Ratepay transactions, your payout is fast, complete, and 100% guaranteed.

Merchant advantages at a glance

Hassle-free, customer-first experience
Invoice, Direct Debit – or post-purchase installments after all? Empower your customers with more choices and faster processes to reduce hesitation and lift conversions, without the complexity of managing installments yourself.
Seamless integration
Our financing solutions integrate directly into your post-purchase flow, appearing on the first invoice, payment reminder, and dunning message.
Designed for growth and conversion
Capture higher-order values and more repeat purchases with shopping cart sizes of up to €10,000 and flexible payment terms of up to 60 months. And give customers more freedom without the complexity or burden of traditional consumer credits.
Trusted partnership with recognized brands
Count on every transaction – and build consumer trust while you’re at it: Invoice+ and Direct Debit+ deliver enterprise-grade performance, powered by Ratepay and backed by Consors Finanz (BNP Paribas), globally recognized for reliability and credibility.

Two solutions. Countless advantages.

Flexible payments for measurable impact

Empower your customers with seamless post-checkout financing options that increase the average order value (AOV), boost conversions, and strengthen loyalty. All while keeping your brand in control.

Built for performance
Invoice+ and Direct Debit+ are designed for merchants who want to add friction-free flexibility and meet growing customer expectations for choice, trust, and control.
Prioritize profitability
Our flexible financing options turn hesitation into conversions, upsells, and repeat purchases – driving growth even on high-value carts. Help customers buy responsibly, without adding friction.
Scale with a strategic 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.
Maximize approvals with smart risk management
Real-time risk scoring, advanced fraud prevention, and a 100% payout guarantee help you maximize approvals, minimize costs, and protect every transaction.
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

“One of our USPs is payment in installments. A significant percentage of our customers choose it as their payment method. The option of paying in installments has always been a way for younger customers to be able to afford purchases in our price segment.”

Laura Vogelsang, Head of Risk, & Payment – Fashionette

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 AOV
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

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.