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Ratepay

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White-label BNPL provider offering invoice and direct debit payment solutions for e-commerce merchants.

Last updated September 11, 2026

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First read
Nov 4, 2026
Latest read
Nov 4, 2026

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Overview

Ratepay is a Berlin-founded BNPL provider that offers white-label payment solutions for online merchants in the DACH region and the Netherlands. Founded in 2009, it became an independent brand within the Nexi Group in 2021. It is BaFin-regulated and its invoice purchase product is used in up to 60% of checkouts.

History

Ratepay was founded in 2009 in Berlin and evolved from a FinTech pioneer into a leading white-label BNPL provider. In 2021, it became an independent brand within the Nexi Group. It is BaFin-regulated and operates under ZAG, PSD2, GDPR, and AML standards.

Products and positioning

White-label BNPL provider with full brand control, no upselling, cross-selling or data selling.

  • Rechnungskauf (invoice purchase)

    Pay within 30 days; used in up to 60% of all checkouts.

  • Lastschrift (direct debit)

    Direct debit payment method.

  • Zahle in 3 Raten (pay in 3 installments)

    Pay in 3 interest-free installments; can increase cart value by up to 16%.

  • Hosted Payment Page

    Invoice and direct debit hosted by Ratepay, customizable to your look & feel.

Sources2 sources

  1. 1Maßgeschneiderte BNPL-Lösungen für den E-Commerceratepay.com
  2. 2Über uns | Ratepayratepay.com

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