Ratepay
White-label BNPL and payment solutions for European e-commerce
Founded
2009
Starting Price
Custom
Category
Payment Processing
Last updated April 6, 2026
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
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
Pricing
Enterprise
Custom
- White-label payment solution
- Invoice, installment, and SEPA direct debit
- Full risk assumption and fraud prevention
- Dedicated account management
- Custom API integration
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
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