Ratepay is the leading fintech for fully customized white-label payment solutions. Founded in 2009, Ratepay arose from the heart of the payment scene to become Europe’s number one white-label payment provider. Ratepay offers easy, secure and complete white label payment solutions for merchants, marketplaces and PSPs. It ensures net working capital optimization and provides coverage for the entire payment value chain, while also bearing 100% of the risk of payment default without any pending status. With its BNPL products, which include open invoice, installment payments an direct debit, Ratepay offers a shopper-friendly experience and improves the checkout conversion. In addition to the full flexibility provided to shoppers, Ratepay supports its customers at all times, from help with integration and customer service to debtor management and payment reminders, so that they can keep focusing on their core business.