Audience
Large ecommerce platforms
About Ratepay
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.
Other Popular Alternatives & Related Software
Splitit
Splitit powers the next generation of Buy Now, Pay Later (BNPL) through our merchant-branded Installments-as-a-Service platform. We solve the challenges businesses face with legacy BNPL while unlocking BNPL at the point of sale for card networks, issuers and acquirers, all through a single network API. Shoppers can split their purchases into up to 36 interest-free monthly payments using their existing Visa or MasterCard. Shoppers get the chance to try out items for up to 90 days and then decide if they are going to keep it. After they decide, shoppers can then go ahead and pay in in full, or start an installment-payment plan. Shoppers who do not have a sufficient available balance on one card have the option to split their installment payments on two different credit cards. This feature allows for the shopper to get what they want and not have to apply for another credit card or go into debt.
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Affirm
Affirm is a pay-over-time solution that helps remove price as a barrier for shoppers, enabling merchants to see an 85% increase in average order value and 20% repeat purchase rate. Affirm’s mobile-friendly, omnichannel solution is optimized for e-commerce, in-store transactions, and telesales. Affirm provides the tools merchants need to easily integrate pay-over-time options for shoppers.
Here's how it works:
1. Your customer enters a few top-of-mind pieces of information for a real-time decision.
2. Flexible payments. Customers pick their payment plan, with options ranging from 3‑36 months.
3. We settle within one business day and take on risk, from costly chargebacks to fraud. Zero risk to you.
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TRAY
TRAY is a cloud-based software platform that enables service on-demand for merchants in the Family Entertainment, Amusement and Restaurant industries. The product suite includes point of sale, self-order kiosks, online ordering, electronic waivers, a mobile app and party booking and reservations. TRAY extends its functionality with integration options that provide automated email marketing, inventory, cashless gaming cards and third-party online ordering. Additionally, TRAY’s kiosks can be integrated with many leading point of sale systems, allowing merchants to enable self-service without having to replace their existing technology infrastructure. Because TRAY’s platform was designed with self-service in mind, kiosks feature an intuitive and attractive image-driven interface. Customization options allow the kiosks to be an extension of the merchant’s brand from start to checkout. The scalable platform is suitable for a single-location operator as well as larger enterprises.
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Creditea
Creditea is a new unique BNPL, boosting e-commerce sales by increasing approval rates and margins for merchants, while providing customers with a seamless checkout experience and flexible repayment options.
With quick onboarding and a user-friendly Credit Line feature, customers can enjoy convenient shopping with benefits like 0% interest within 30 days and long-term repayment plans. Creditea integrates seamlessly with major e-commerce platforms and is powered by International Personal Finance plc.
Partner opportunities are available for interested parties.
Discover how Creditea Pay Later can enhance your e-commerce business today!
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Pricing
Pricing Details:
customizable based on vertical, basket size, business model (B2B, B2C, marketplace...), features, modules, payment conditions.
Free Trial:
Free Trial available.
Company Information
Ratepay
Founded: 2009
Germany
ratepay.com
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