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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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Last updated: March 2026
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.
ratepay’s user interface
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ratepay's key features
Most critical features, based on insights from ratepay users:
All ratepay features
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ratepay pricing
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