Ratepay logo
regional Berlin, Germany

Ratepay

Leading German BNPL and payment provider offering invoice, installment, and direct debit payments. Serves major German retailers including Otto Group.

Fees from
Custom
Settlement
2–3 business days
Coverage
3 countries
Payment methods
5
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Ratepay before signing. Visit Website is an external link; we may earn a commission.

Ratepay overview

Best for

German BNPL Payments

Key features

Enterprise
Recurring Payments

Ratepay pricing & fees

Pricing structure

Pricing
Custom
Your business must be registered in
Not disclosed
Headquarters
Berlin, Germany
Founded
2009

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Ratepay settlement & payouts

Payouts

Settlement time
2–3 business days
Settlement currencies
Not collected yet

Ratepay API & integration

API Profile

Sandbox
Available
Webhooks
Supported

Platforms

Online

Official SDKs

PHPREST-API

Ratepay coverage & payment methods

Regions

Europe

Supported countries

3 countries
ATCHDE

Payment methods

BnplDirect DebitInstallmentsInvoiceSepa

Ratepay licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Ratepay GmbH

Germany

Licenses

Payment Institution DE

Authorised Payment Institution (DE)

Federal Financial Supervisory Authority (Germany)

License numbers & register records

1 license number · 1 register record on file for Ratepay, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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