Ratepay
Country: Germany (DE) | Payment Rail: bnpl
BNPL
Market Adoption: 45%
Ratepay is Germany's leading white-label BNPL and open invoice payment solution supporting recurring installment billing.
🔄 User Payment Flow
- Customer selects Ratepay Open Invoice or Installments at checkout
- Customer passes real-time scoring risk assessment
- Ratepay approves order and issues invoice/installment mandate
- Merchant receives 100% order payout while Ratepay collects payments from customer
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API submits order payload to Ratepay acquiring gateway
- PSP issues payment token and invoice agreement terms
- PSP receives Ratepay clearing webhook notification
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Adyen