Name of the product or service

Buy Now Pay Later Zahlungsarten (White-Label)

Votes: 1

Product or service description

Ratepay operates in the payment industry as a direct provider of white-labeled Buy Now, Pay Later (BNPL) products. The company enables large online retailers (merchants and marketplaces such as Ebay, IKEA, Eurowings, ShopApotheke or Flyeralarm,) to offer end-customers (buyers) the possibility to pay for products or services via open invoice, direct debit, or in installments.

Distinction from the competition
  1. Unlike other providers of deferred payments, Ratepay offers a totally unbranded white-label platform of products which are natively integrated within the checkout flow of the merchant.

  2. Unlike BNPL providers that market their applications directly to consumers, Ratepay only aims at creating a mutually beneficial partnership with merchants based on financial performance. Ratepay’s business model is solely based on transaction volume.

  3. Unlike other competitors, Ratepay doesn’t offer a one-size fits all solution to every merchant. The Ratepay’s platform is fully modular and adapts itself to the unique processes and operations of each merchant, thus combining the advantages of outsourcing deferred payments, customer service, and risk management with the flexibility of an in-house solution.

  4. Ratepay is headquartered in Germany and is strictly supervised by local and European regulatory authorities. The company is renowned for its uniquely accurate risk management approach that protects the merchants' reputation through highly regulated and responsible credit operations

Product or service innovations

Ratepay improved the gold standard of technical reporting for merchants and launched another marketplace product, which now seamlessly integrates marketplaces into our existing product, amongst merchants, partners, resellers and PSPs.

Customer case study

„Ratepay bietet genau die maßgeschneiderten Lösungen, die wir brauchen, und ist auch bereit, eine Extra-Meile in der Entwicklung mit uns zu gehen.“ Oliver Klapschus, CEO of Heizöl24

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