Buy Now, Pay Later

Riverty offers multiple types of ‘Buy Now, Pay Later’ payment options and innovative features tailored for both B2C and B2B markets across nine European countries. We transform merchants' payment processes into a frictionless experience, allowing consumers to pay on their terms, and enhancing the post-checkout experience. Our core BNPL products — including 14-day invoice, fixed installments, secure direct debit, and monthly invoice —give consumers more control and convenience in managing their payments. By offering multiple payment options, merchants can boost conversion rates, increase order values, reduce cart abandonment, attract and retain customers, and provide a seamless shopping experience.

Riverty takes away the risk and workload of managing payments. We assume credit and fraud risk of the transaction at checkout, so that merchants consistently receive their funds on pre-scheduled dates. This not only provides peace of mind for the merchant but also increases cash flow predictability, laying the groundwork for sustainable business growth.

Riverty offers customized solutions that are flexible, scalable, and secure. Unlike other payment providers, Riverty stands out for its:

• User-centric approach: maximum transparency, ease of use and customization options for end users.

• Seamless implementation: Our credit product Flex requires no changes to the checkout; activation takes place directly in the Riverty app.

• Responsible consumption: Flex combines flexibility and control with the highest level of consumer protection and contributes to sustainable purchasing behavior.

• Comprehensive end-to-end solutions: From the payment process to customer service - all from a single source.

• State-of-the-art technologies: Our fraud management, scalable API integration and payment portal set new standards in the payment sector

Riverty continuously develops its products to meet consumer need, providing flexible payment solutions and maximum control and transparency. Riverty Flex is a credit product that offers customers in the Netherlands (since November 2024) and Germany (starting January 2025) a new and more flexible payment option.

What makes it special: Customers can bundle their bills, customize payment plans and manage payments transparently in the Riverty app. Consumers can choose the installment payment flexibly and even adjust it during the term. In Germany, payment by installments is possible within a maximum term of 12 months; in the Netherlands, this is 24 months.

Key benefits for consumers:

• Flexibility & control: Empowers consumers with customizable payment plans that can be adapted to their personal financial circumstances, offering full control over their payments.

• Responsible shopping: Streamlined onboarding and adherence to rigorous consumer protection standards create trust and reliability.

• Transparency: A clear real-time overview of all outstanding amounts, due dates and interest directly in the app.

• Easy to use: After completing the purchase, Flex can be activated in the Riverty app without additional merchant integration.

Key benefits for merchants:

• Higher order value: Flex encourages larger purchases through affordable instalments.

• Reduced returns: Empowers customers to plan their spending more effectively leading to more confident purchase decisions and less returns.

• Stronger customer loyalty: Flexible payment solutions increase customer satisfaction at checkout, leading to long-term loyalty.

Riverty manages the entire lifecycle, including credit checks, installment tracking, and default protection.

BVG app payment processing: With our extensive e-commerce background, Riverty brings a wealth of expertise to the public transport space in GER/DACH, constantly introducing new features and expanding payment options. Through our continuous release cycle, our latest advancements are quickly made available to the user, ensuring they stay at the forefront of technological innovation.

In the BVG project, Riverty ensures smooth, secure ticket within the BVG apps. We use state-of-the-art technologies and user-friendly platforms to provide users with a seamless experience and modernize digital ticket sales.

Integration of all relevant payment methods: Credit card, SEPA direct debit, Apple Pay, Google Pay and PayPal are seamlessly integrated via the Riverty Ticket Payment API.

Highest fraud prevention: Thanks to a tailor-made fraud management system and Riverty's own risk platform, the risk is minimized, and maximum security is guaranteed.

Riverty Payment Portal: Our digital control tool centralizes all payment information, from transaction overviews to support tickets, available 24/7.

Scalable and reliable systems: Our infrastructure is designed to easily keep pace with BVG's growth, be it one-way tickets, subscription models, or new payment options. User-friendly integration: The Riverty payment page follows the BVG design. This way, Riverty ensures a seamless customer experience when purchasing tickets.

Mathias Quetz is Product Lead Ticket Payments at Riverty and says: “It is a big and important step for us to enter ticket payments in the long term in addition to our EBE and mobility business. The cooperation with BVG is a further incentive for us. As a reliable and certified payment provider for public transport, we will establish ourselves even more strongly in this segment in the future and continue to drive forward the topics of digitalization and payment innovations.”

Read more: https://www.riverty.com/de/business/unternehmen/newsroom/bvg-ticketing/

https://www.riverty.com/de/