FMCG

Convert everyday purchases into lasting loyalty

FMCG margins are tight. Ratepay helps you convert more and retain better – with flexible white label BNPL built for everyday essentials.

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Made in Germany

Trusted by leading e-commerce brands

BaFin regulated

15+ years of experience in DACH payments

Reliable payouts

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

Backed by Nexi Group

Partners include Adyen, PayPal, Consors Finanz & Unicredit

Flexible payments built for FMCG

Accelerate everyday conversions with customizable BNPL

Competition in FMCG is fierce. Stay ahead by offering the seamless payment flexibility your customers expect at checkout.

Turn everyday items into growth
Ratepay’s frictionless checkout removes barriers and unlocks buying power, empowering your customers to shop confidently and repeatedly – while you grow basket sizes and protect margins.
Keep your brand front and center
Our white label solutions integrate seamlessly into your checkout. You retain full control of the customer experience and strengthen loyalty by keeping shoppers in your ecosystem.
Get a partner for growth
We’re not just your payment provider. Our dedicated account managers work with you to optimize performance, resolve disputes, and tailor payout and dunning to your needs.

Leading FMCG merchants grow with us

54%
More conversion
16%
Higher AOV
50%
Fewer abandonments

Increase your sales

BNPL that drives FMCG growth

Buy Now, Pay Later turns everyday purchases into real growth drivers by increasing spend, boosting retention, and supporting safe scaling.

Increase sales with higher basket sizes

Strengthen customer loyalty

Enable larger purchases

Enable seamless payments

More flexibility for you and your customers

Offer the payment flexibility your customers expect and keep your operations running smoothly. No matter how they shop or you ship.

Adapt to how your customers shop

Partially delivered, partially returned

Billing that follows your logistics

Boost omnichannel growth

Meet the expectations of today's shoppers

BNPL helps FMCG brands meet shopper expectations, drive conversion, and scale seamlessly across every channel.

Engage digital-first audiences

Accelerate your growth

Embrace the omnichannel experience

Phone screenshot of Ratepay's white label checkout for online shops.

Checkout Simulator

White label payments empower your brand

Our solutions are fully customizable – seamlessly integrated into your checkout to keep customers inside your brand experience, not ours.

Brand integrity instead of brand dilution
Branded checkout, confirmations, and buyer portal in your design
Friendly communication and customer service in your tone

Customize your checkout for free

Our solutions

Enable frictionless checkouts for everyday essentials

Invoice & Direct Debit

Pay in 30 days
Used in up to 60% of checkouts
Smooth checkout with minimal steps

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Invoice+ & Direct Debit+

Switch to 0% installments post-purchase
No credit risk or regulatory burden
Increased conversion rate

Pay in 3

Split payments into 3 interest-free installments
Boost basket size by up to 16%
Seamless and secure experience

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Hosted Payment Page

Invoice & Direct Debit hosted by Ratepay
Customizable to match your brand's look & feel
No operational overhead or heavy integrations

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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.