# Ratepay — Payment Provider

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

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** German BNPL Payments
- **Fees:** Custom pricing
- **Fee model:** custom
- **Headquarters:** Berlin, Germany
- **Founded:** 2009
- **Settlement time:** 2–3 business days
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** regional
- **Regions:** europe
- **Countries served:** 3 (AT, CH, DE)
- **Payment methods:** bnpl, direct_debit, installments, invoice, sepa
- **Features:** enterprise, recurring-payments
- **Platforms:** online
- **SDKs:** php, rest-api
- **API docs:** https://docs.ratepay.com

## Legal & compliance

Legal entities:
- Ratepay GmbH — Germany — licenses: Payment Institution, DE, BaFin

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/ratepay#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=ratepay&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/ratepay

---
**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)