Ratepay

Ratepay provides white-label buy-now-pay-later (BNPL) and alternative payment methods for e-commerce merchants, including invoice purchase, direct debit, pay-in-3-installments, a hosted payment page, and a buyer portal for payment management. Merchants integrate these through an API and can brand the checkout, invoices and customer communication.

Its customers are online merchants in the DACH region and the Netherlands. The website describes the company as a payments and checkout provider that earns from its payment services; it states that customer data is used only for payment processing and that it does not sell data or engage in upselling.

Ratepay was founded in 2009 in Berlin, where its headquarters are located, and has been a brand within the Nexi Group since 2021. The company states it is regulated by BaFin and lists about 200 employees. Its careers page lists an open Head of Sales position in Berlin.

Product: White-label BNPL checkout with invoice purchase, direct debit, three-installment payments, a hosted payment page and a buyer portal.