Ratepay

Ratepay GmbH is a leading fintech company based in Berlin, Germany, that specializes in white-label payment solutions for online merchants. Founded in 2009, Ratepay has established itself as a prominent provider of 'Buy Now, Pay Later' (BNPL) services, including open invoice, installment payments, direct debit, and prepayment options. The company's core offering revolves around its white-label approach, which allows e-commerce businesses to maintain their brand identity throughout the entire payment process. This seamless integration helps merchants to build trust with their customers and increase conversion rates by offering popular and secure payment methods without redirecting them to third-party sites.

Ratepay's business model is designed to support online retailers by taking on the full risk of payment defaults, thereby optimizing their working capital and allowing them to focus on their core operations. The company's sophisticated, AI-based risk management system is a key component of its services, enabling real-time credit checks and minimizing fraud. This technology-driven approach allows Ratepay to serve a diverse range of clients, from large, renowned retailers like IKEA and Eurowings to various other online shops and marketplaces, primarily in the DACH region (Germany, Austria, and Switzerland) and the Netherlands. Since 2017, Ratepay has been part of the Nexi Group, following an acquisition by Advent International and Bain Capital, which has further solidified its position in the European payments landscape. The company is committed to continuous innovation, with a strong focus on automation, machine learning, and cloud integration to enhance its payment solutions and customer experience.