
White-label BNPL and payment solutions for European e-commerce
Ratepay is Europe's leading white-label Buy Now Pay Later (BNPL) payment provider, enabling online retailers and marketplaces to offer flexible payment methods under their own brand. Founded in 2009 and now part of the Nexi Group, Ratepay processes billions of euros in annual transaction volume across Germany, Austria, Switzerland, and the Netherlands. The platform supports invoice payments, SEPA direct debit, and installment plans, all seamlessly integrated via API or through major e-commerce platforms like Shopify, Magento, and Shopware. Trusted by enterprise clients including eBay, IKEA, Eurowings, ShopApotheke, and About You, Ratepay handles the full payment lifecycle including risk assessment, fraud prevention, and dunning management, so merchants can focus on selling while Ratepay assumes the payment default risk.
Large online retailers looking to offer branded BNPL options to increase conversion rates and average order values
Online marketplaces needing white-label payment solutions that integrate with their existing checkout flow
International businesses expanding into German-speaking markets needing localized payment methods like invoice and SEPA
Merchants who want to offer deferred payment options without taking on the financial risk of customer defaults

Complete customer service platform with AI-powered ticketing and omnichannel support
AI-powered warehouse optimization for total operational visibility

Workplace platform for employee engagement and strengths development

Enterprise SIEM for real-time threat detection and security event management

AI-powered HRIS for enterprises with 300+ employees