Pay in 3

Grow sales with flexible installments

Let shoppers split purchases into three interest-free installments – boosting conversions and average order value (AOV) without adding risk or liquidity concerns.

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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

Flexible payments with zero financing headaches

Optimize your checkout to maximize sales
Turn browsers into buyers with more choice at checkout. Pay in 3 reduces abandonment rates and lifts AOV without the economic pressure of long-term financing.
Benefit from guaranteed payouts
Choosing Ratepay means choosing a 100% payout guarantee and zero risk. We cover the entire risk management and handle payment follow-ups, so you don’t have to.
Get payments upfront
With Pay in 3 your cash flow stays strong: get paid in full and upfront, even when customers split payments over time.
Your brand, your experience
Pay in 3 is fully white label, delivering a seamless customer journey that keeps you front and center from checkout to communication.

Why shoppers love Pay in 3

Interest-free payments
Let shoppers split their costs into three interest-free installments over 90 days. What makes it unique? The first payment is due a month after shipment, giving them enough time to try before they buy.
Real-time approvals
Enable instant approvals and zero hassle. Pay in 3 doesn’t involve lengthy checks or paperwork. Instead, shoppers enjoy a seamless checkout without time-consuming financial review.
Effortless payments with zero surprises
What they see is what they pay. Our prices are transparent from start to finish. Plus: the 3 equal rates are automatically deducted from the shopper’s bank account.
More buying power
Pay in 3 gives shoppers financial freedom and the ability to purchase more or higher-value goods – while keeping budgets under control.

Conversion-optimized checkouts

Smarter payments for future-proof growth

When shoppers can split payments into three manageable installments, you reduce abandonment and lift basket size without the downsides of long-term financing.

Prioritize profitability
Our flexible financing options turn hesitation into conversions, upsells, and repeat purchases, driving growth even on high-value carts.
Maximize acceptance rates
More approvals and fewer declines: Real-time risk scoring, advanced fraud prevention, and intelligent AI models maximize conversions while keeping transactions secure.
Keep your customers
Every customer matters. And with Ratepay, they stay yours. We never use their data for marketing purposes. You maintain the relationship and the revenue.
Scale with a strategic partner
Talk to experts that truly know your business: Our account managers act as an extension of your team, providing strategic guidance to optimize performance.
Grow with confidence
Achieve continuous growth through quarterly reviews, checkout tuning, and proven tactics to boost basket size and reduce churn.

Hear from our customers

“From the very beginning, we had the impression that we were in good hands and were confident that everything was well thought out and professionally managed.”

André Jaschinsky, Manager of Treasury, FLYERALARM

Built to drive your growth

Leading e-commerce brands rely on Ratepay Pay in 3 to accelerate growth and streamline payments.

54%
More conversions
16%
Higher AOV
61%
More repeat purchases

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 Pay in 3 on 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

Cross-selling

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

Shopper stays in merchant environment

✅ 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

Shopper is exposed to other merchants

❌ Loss in repeat sales & brand equity

Full security. Maximum peace of mind.

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.