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Learn more about Ratepay on ratepay.com.
Ratepay provides buy now, pay later (Open Invoice) and secured direct debit 1 payments in Austria, Germany, the Netherlands, and Switzerland.
Before approving the payment, Ratepay performs risk checks on the shopper. If successful, Ratepay takes on the full fraud risk for the payment, and pays you up front.
If the shopper chooses to pay with Buy Now Pay Later, Ratepay pays you as soon as you capture the payment.
| Payment type | Payment flow | Countries | Currencies | Recurring | Refunds | Partial refunds | Separate captures | Partial captures | Chargebacks |
|---|---|---|---|---|---|---|---|---|---|
| Buy Now Pay Later (Open invoice), Direct Debit |
Direct | AT, DE, NL, CH |
EUR, CHF |  |
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1 Direct debit is only available via API-only integration. Not available in Switzerland.
