Ratepay vs. Ratio Comparison


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Credit repair merchant accounts are essential for companies in the credit repair space. You provide credit solutions to your customers and we’ll take care of the payment processing. Selling any type of merchandise through an ecommerce store has its risks. 105 Ratings Visit Website Ecwid Ecwid by Lightspeed is the easiest way to add an online store to any webpage or social media profile. Used by hundreds of thousands of merchants in 175 countries, Ecwid has everything you need to reach your customers wherever they are: in-person, through your website, Instagram, Facebook, Amazon, or Google Shopping. 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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.	About Reimagining technology procurement and funding by combining payments, predictive pricing, financing, and a seamless quote-to-cash process into one platform. Flexible payment options to close faster, embedded into sales. Get funded now leveraging your existing recurring revenues. Get paid now even though customers pay later. Align payments to Ratio with customer payments. Unlock capital for growth from your own assets without dilution or debt. No monthly payments are required for Ratio unlike venture debt and revenue-based financing. Pick and choose which contracts to sell based on your cash flow needs. The Ratio team is made up of experienced SaaS and finance executives, serial entrepreneurs, builders, and dreamers. Equity is a critical piece to building your company and compensating your team. Taking strategic capital from Ratio involves no dilution from selling equity or issuing warrants.
Platforms Supported Windows Supported Mac Supported Linux Supported Cloud Supported On-Premises Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Supported	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
Audience Large ecommerce platforms	Audience Companies seeking a solution to manage their recurring revenue contracts, close more deal, implement payment options, and get funded
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 Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing customizable based on vertical, basket size, business model (B2B, B2C, marketplace...), features, modules, payment conditions. Free Version Not Supported Free Trial Supported	Pricing No information available. Free Version Not Supported Free Trial Not 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 Supported	Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Not Supported
Company Information Ratepay Founded: 2009 Germany ratepay.com	Company Information Ratio Founded: 2021 United States www.ratiotech.com
Alternatives Creditea International Personal Finance	Alternatives Capchase
MONEI MONEI DIGITAL PAYMENTS SL	SaaSPay
Splitit	tranch
tabby	Element Finance
@Pay View All	Lighter Capital View All
Categories Buy Now Pay Later Supported	Categories Buy Now Pay Later Supported Quote-to-Cash Supported Revenue-Based Financing Supported

Integrations Adyen Supported Chargebee Not Supported Clear Books Not Supported FreeAgent Not Supported FreshBooks Not Supported KashFlow Not Supported Magento Supported Maxio Not Supported NetSuite Not Supported PayPal Supported Plaid Not Supported QuickBooks Desktop Pro Not Supported QuickBooks Online Not Supported Recurly Not Supported Sage 50 Not Supported Sage Accounting Not Supported Shopware Supported Stripe Not Supported Xero Not Supported Show More Integrations View All 4 Integrations	Integrations Adyen Not Supported Chargebee Supported Clear Books Supported FreeAgent Supported FreshBooks Supported KashFlow Supported Magento Not Supported Maxio Supported NetSuite Supported PayPal Not Supported Plaid Supported QuickBooks Desktop Pro Supported QuickBooks Online Supported Recurly Supported Sage 50 Supported Sage Accounting Supported Shopware Not Supported Stripe Supported Xero Supported Show More Integrations View All 15 Integrations
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