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About

Microsoft’s Copilot Checkout and Brand Agents are new AI-driven commerce capabilities designed to shorten the path from browsing to buying by letting customers discover, compare, and complete purchases without leaving an AI conversation while keeping merchants in control of the transaction and customer relationship. Copilot Checkout embeds a fully conversational shopping and payment flow into Microsoft’s Copilot AI experience, so shoppers can ask about products, get recommendations, compare options, and check out right inside the chat interface with no redirects or friction, and merchants stay the merchant of record while orders are processed through partners like PayPal, Shopify, and Stripe. Brand Agents are AI-powered shopping assistants that merchants deploy on their own sites (initially via Shopify and Microsoft Clarity) to provide brand-specific conversational guidance, answer customer questions in the brand’s voice, and help visitors explore inventory, handle objections, etc.

About

Ratepay operates in financial services as a direct provider of White Label Buy Now, Pay Later (BNPL) products in Germany, Austria, Switzerland, and The Netherlands. The company enables large online retailers (merchants and marketplaces such as Ebay, IKEA, Eurowings, ShopApoteke, Flyeralarm, or About You) to offer end-customers (buyers) the possibility to pay for products or services via open invoice, direct debit, or in installments. Being natively integrated at checkout, Ratepay is invisible to the buyers and does not dilute the merchant’s brand and trustworthiness. Buyers are not required to abandon the checkout interface and create an additional account or download an app and therefore, constantly remain in the brand world of the merchant. This leads to a higher conversion rate, an increased average basket size, and more repeat purchases.

Platforms Supported

Windows Not Supported
Mac Not Supported
Linux Not Supported
Cloud Supported
On-Premises Not Supported
iPhone Not Supported
iPad Not Supported
Android Not Supported
Chromebook Not Supported

Platforms Supported

Windows Supported
Mac Supported
Linux Supported
Cloud Supported
On-Premises Supported
iPhone Not Supported
iPad Not Supported
Android Not Supported
Chromebook Supported

Audience

Merchants, ecommerce teams, and retail marketers who want to integrate AI-powered conversational shopping and checkout directly into AI assistants and their own websites to boost conversions and guide customers from discovery to purchase

Audience

Large ecommerce platforms

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Supported

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Supported

API

Offers API Not Supported

API

Offers API Supported

Screenshots and Videos

Screenshots and Videos

Pricing

No information available.
Free Version Not Supported
Free Trial Not Supported

Pricing

customizable based on vertical, basket size, business model (B2B, B2C, marketplace...), features, modules, payment conditions.
Free Version Not Supported
Free Trial Supported

Reviews/Ratings

Overall 0.0 / 5
ease 0.0 / 5
features 0.0 / 5
design 0.0 / 5
support 0.0 / 5

This software hasn't been reviewed yet. Be the first to provide a review:

Review this Software

Reviews/Ratings

Overall 0.0 / 5
ease 0.0 / 5
features 0.0 / 5
design 0.0 / 5
support 0.0 / 5

This software hasn't been reviewed yet. Be the first to provide a review:

Review this Software

Training

Documentation Supported
Webinars Supported
Live Online Supported
In Person Not Supported

Training

Documentation Supported
Webinars Supported
Live Online Supported
In Person Supported

Company Information

Microsoft
Founded: 1975
United States
about.ads.microsoft.com/en/blog/post/january-2026/conversations-that-convert-copilot-checkout-and-brand-agents

Company Information

Ratepay
Founded: 2009
Germany
ratepay.com

Alternatives

SmartBot

SmartBot

BestChat

Alternatives

Creditea

Creditea

International Personal Finance
MONEI

MONEI

MONEI DIGITAL PAYMENTS SL
ChatWILL

ChatWILL

CWILL

Categories

Categories

Buy Now Pay Later Supported

Integrations

PayPal Supported
Adyen Not Supported
Magento Not Supported
Microsoft Clarity Supported
Microsoft Copilot Supported
Shopify Supported
Shopware Not Supported
Stripe Supported

Integrations

PayPal Supported
Adyen Supported
Magento Supported
Microsoft Clarity Not Supported
Microsoft Copilot Not Supported
Shopify Not Supported
Shopware Supported
Stripe Not Supported
Claim Copilot Checkout and update features and information
Claim Copilot Checkout and update features and information
Claim Ratepay and update features and information
Claim Ratepay and update features and information