Ratepay
White-label BNPL and payment solutions for European e-commerce
About Ratepay
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.
Pros & Cons
Pros
- True white-label solution — payments appear under the merchant's brand, not Ratepay's
- Merchant receives guaranteed payouts regardless of customer payment behavior
- Deep expertise in DACH and Benelux markets with localized payment methods
- Handles complete payment lifecycle including risk, fraud, and collections
- Strong enterprise client portfolio proves reliability at scale
- Flexible integration options via API or pre-built e-commerce plugins
- High checkout acceptance rates through sophisticated real-time decisioning
Cons
- Limited to European markets (DACH + Netherlands only)
- No public pricing — requires enterprise sales engagement
- Not suitable for small merchants or low transaction volumes
- Does not support credit card or PayPal processing (BNPL-focused only)
- Onboarding process can be lengthy due to compliance and integration requirements
- Limited self-service documentation compared to developer-first payment platforms
Key Features
White-label BNPL under merchant's own brand
Pay by invoice (pay after delivery)
Installment payments (flexible terms)
SEPA direct debit processing
Real-time credit and risk decisioning
Fraud prevention and risk management
Full payment default risk assumption
Automated dunning and collections
RESTful API for custom integrations
Pre-built plugins for Shopify, Magento, Shopware, WooCommerce
Guaranteed payouts to merchants
Multi-market support (Germany, Austria, Switzerland, Netherlands)
B2C and B2B payment support
Checkout conversion optimization
PCI DSS compliant infrastructure
Detailed reporting and analytics dashboard
Pricing
- White-label payment solution
- Invoice, installment, and SEPA direct debit
- Full risk assumption and fraud prevention
- Dedicated account management
- Custom API integration
- Dunning and collections management
- Real-time decisioning engine
- Multi-market support (DACH + NL)
Best For
Enterprise e-commerce
Large online retailers looking to offer branded BNPL options to increase conversion rates and average order values
Marketplace payments
Online marketplaces needing white-label payment solutions that integrate with their existing checkout flow
DACH region expansion
International businesses expanding into German-speaking markets needing localized payment methods like invoice and SEPA
Risk-free selling
Merchants who want to offer deferred payment options without taking on the financial risk of customer defaults
Similar Tools
Zendesk
Complete customer service platform with AI-powered ticketing and omnichannel support
Clarity WOS
AI-powered warehouse optimization for total operational visibility
Gallup Access
Workplace platform for employee engagement and strengths development
Fortra Event Manager
Enterprise SIEM for real-time threat detection and security event management
SIGMA-RH
AI-powered HRIS for enterprises with 300+ employees
Albam
Time attendance, shift scheduling, and payroll automation