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ratepay
A provider of white-label payment solutions for online shops
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ratepay - 2026 Pricing, Features, Reviews & Alternatives
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ratepay overview
What is ratepay?
Ratepay operates in financial services as a direct provider of white-label Buy Now, Pay Later (BNPL) products in Germany, Austria, Switzerland, and The Netherlands. The company enables large online retailers (merchants and marketplaces such as Ebay, IKEA, Eurowings, ShopApoteke, Flyeralarm, or About You) to offer end-customers (buyers) the possibility to pay for products or services via open invoice, direct debit, or in installments.
Being natively integrated at checkout, Ratepay is invisible to the buyers and does not dilute the merchant’s brand and trustworthiness. Buyers are not required to abandon the checkout interface and create an additional account or download an app and therefore, constantly remain in the brand world of the merchant.
This leads to a higher conversion rate, an increased average basket size, and more repeat purchases. Being truly invisible also means that Ratepay does not interact with buyers retargeting them with promotions and discounts that lead them to other merchants (or even competitors) to generate referral fees. This enhances the overall customer experience while protecting the reputation of the merchant and boosting customer loyalty.
Key benefits of using ratepay
This means that:
- Throughout the entire process, customers only interact with the merchant’s brand they’re already familiar with and trust
- The entire payment experience occurs within the merchant’s checkout interface. At no point are customers redirected to an external payment platform or requested to create an account or download an application
- After selecting a deferred form of payment such as open invoice, customers only need to provide their email address, name, date of birth, and home address and the system automatically accepts or rejects the transactions in milliseconds without them ever abandoning the merchant’s store
- Customer care, communications, and payment operations are carried out by Ratepay in the name of the merchant in their look & feel
Starting price
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ratepay’s user interface
ratepay reviews
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ratepay pricing
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ratepay support options
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ratepay FAQs
ratepay has the following pricing plans:
Pricing model: Subscription
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Q. Who are the typical users of ratepay?
ratepay has the following typical customers:
Large Enterprises, Mid Size Business
Q. What languages does ratepay support?
ratepay supports the following languages:
German, English, Dutch
Q. Does ratepay offer an API?
Yes, ratepay has an API available for use.
Q. What other apps does ratepay integrate with?
ratepay integrates with the following applications:
Adyen, PayPal, 360e, Shopware, PlentyONE, PAYONE
Q. What level of support does ratepay offer?
ratepay offers the following support options:
Email/Help Desk, FAQs/Forum, Knowledge Base