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What is Ratepay?

Ratepay is a provider of White Label Buy Now Pay Later (BNPL) financial services operating in Germany, Austria, Switzerland, and The Netherlands. The company enables major online retailers to present their customers with various payment alternatives, such as open invoices, direct debits, and installment plans. Integrated seamlessly at the checkout stage, Ratepay operates in the background, ensuring that buyers remain unaware of its presence. This discreet integration preserves the merchant's credibility and brand image, as customers do not need to leave the checkout process, create an account, or download any applications. Instead, they continue to engage within the familiar environment of the merchant's brand, maintaining a sense of trust. As a result, merchants experience increased conversion rates, larger average order values, and a boost in repeat purchases. This innovative approach not only enhances customer satisfaction but also drives long-term growth for retailers.

What is @Pay?

@Pay stands out as an innovative DEFI (Decentralized Finance) protocol, recognized as the first BNPL (Buy Now Pay Later) platform to integrate blockchain technology with its own cryptocurrency. Utilizing smart contracts and the unique advantages of blockchain, @Pay aims to provide significant cost savings for all users within its ecosystem. The platform seeks to enhance both DEFI eCommerce and in-store shopping experiences for consumers and retailers alike. Users can conveniently make purchases using any cryptocurrency supported by their @Pay wallet, offering them flexibility in transactions. Moreover, a reward program aimed at benefiting all users within the ecosystem will further improve the shopping experience. At the core of the protocol's governance is the @Pay token, which promotes a decentralized and transparent decision-making approach. With a broad distribution model that includes users, merchants, and marketplaces, @Pay ensures that all participants are fairly rewarded for their engagement, cultivating a vibrant community. Through these advancements, @Pay strives to transform the way individuals interact with financial services, ushering in a new era of digital finance. This evolution not only benefits users but also supports the growth of the entire DEFI landscape.

Media

Media

Integrations Supported

Adyen
Magento
PayPal
Shopware

Integrations Supported

Adaptive Security
Algorand
BNB Smart Chain (BSC)
Solana

API Availability

Has API

API Availability

Pricing Information

customizable based on vertical, basket size, business model (B2B, B2C, marketplace...), features, modules, payment conditions.
Free Trial Offered?

Pricing Information

Pricing not provided

Supported Platforms

SaaS
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS

Customer Service / Support

Standard Support
Web-Based Support

Customer Service / Support

Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
On-Site Training

Company Facts

Organization Name

Ratepay

Date Founded

2009

Company Location

Germany

Company Website

ratepay.com

Company Facts

Organization Name

@Pay

Company Location

Australia

Company Website

atpay.io

Categories and Features

Buy Now Pay Later

Not specified

Categories and Features

Buy Now Pay Later

Not specified

DeFi Projects

Not specified

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