Home & Living

Reduce friction and boost conversions for Home & Living purchases

Make high-value purchases easy to say yes to. Ratepay’s flexible BNPL solutions lower upfront costs – increasing conversions, average order value, and completed transactions.

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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

White label BNPL built for Home & Living

Empower confident decisions on high-value purchases

Home & Living brands offering flexible BNPL solutions see up to 50% fewer abandoned shopping carts.

Grow with confidence
Remove friction at checkout and unlock buying power for high-value baskets. With reliable payouts and OTP-secured transactions, you effortlessly increase acceptance rates and convert more.
Support big decisions with flexible payments
Home & Living purchases are big investments. Meet expectations at checkout with split payments, extended due dates, or 0% installments. Boost satisfaction, repeat purchases, and CLV.
Scale sustainably with a strategic business partner
Ratepay isn’t just your BNPL provider. Our account managers help optimize performance, tailor payout and dunning flows, and resolve disputes. Plus, our support team responds to inquiries within 24 hours.

Leading Home & Living brands grow with us

54%
Higher conversions
61%
More returning buyers
16%
Higher AOV

Grow sales

Boost conversions with white label BNPL

White label BNPL increases conversion rates by reducing upfront costs and keeping your brand in control.

Lower payment barriers

Keep your brand front and center

Protect your data

Power secure growth

Drive growth with smart risk management

Grow confidently with BNPL designed for complex logistics, secure transactions, and long delivery cycles.

Confidently grow with high-value baskets

Keep transactions valid until delivery

Enable secure partial deliveries

Boost omnichannel growth

Meet and exceed your shoppers’ expectations

Exceed shopper expectations with BNPL designed for big-ticket baskets, seamless support, and omnichannel flexibility.

Give your customers what they want

Actively build long-term loyalty

Offer POS-ready BNPL for omnichannel retail

Screenshot of our white label payment solutions in the checkout of an online shop.

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 high-value items

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.