---
title: "Ratepay"
description: "Accept Ratepay payments in Austria, Germany, the Netherlands, and Switzerland"
url: "https://docs.adyen.com/payment-methods/ratepay"
source_url: "https://docs.adyen.com/payment-methods/ratepay.md"
canonical: "https://docs.adyen.com/payment-methods/ratepay"
last_modified: "2022-12-15T16:17:00+01:00"
language: "en"
---

# Ratepay

Accept Ratepay payments in Austria, Germany, the Netherlands, and Switzerland

[View source](/payment-methods/ratepay.md)

![](/user/pages/docs/08.payment-methods/74.ratepay/ratepay.svg?decoding=auto\&fetchpriority=auto)  **Read more**

Learn more about Ratepay on [ratepay.com](https://www.ratepay.com/en/).

Ratepay provides buy now, pay later (Open invoice) payments in Austria, Germany, the Netherlands, and Switzerland. Ratepay also provides secured direct debit payments in Austria, Germany, and the Netherlands.

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](/online-payments/tokenization) | [Refunds](/online-payments/refund)                           | [Partial refunds](/online-payments/refund/#refund-a-payment) | [Multiple partial refunds](/online-payments/refund)          | [Separate captures](/online-payments/capture)                | [Partial captures](/online-payments/capture/#partial-capture) | [Multiple partial captures](/online-payments/capture/#multiple-partial-captures) | [Chargebacks](/risk-management/chargeback-guidelines) |
| ------------------------------- | ----------------- | ---------- | ---------- | ------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------- | -------------------------------------------------------------------------------- | ----------------------------------------------------- |
| Buy Now Pay Later, Direct Debit | Additional action | DE, AT, NL | EUR        | ![x](/user/data/smileys/emoji/x.png)       | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)   | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)                      | ![x](/user/data/smileys/emoji/x.png)                  |

## How do you want to integrate?

[![This is the web icon.](/user/pages/reuse/image-library/01.icons/web/web.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/ratepay/web)

###### [Web](/payment-methods/ratepay/web)

[Use our pre-built UI solutions to add Ratepay to your website.](/payment-methods/ratepay/web)

[![This is the API only icon.](/user/pages/reuse/image-library/01.icons/api-only/checkout-api-only.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/ratepay/api-only)

###### [API only](/payment-methods/ratepay/api-only)

[Build your own UI for Ratepay in your website, iOS or Android app.](/payment-methods/ratepay/api-only)