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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 Carti?

Carti acts as an AI-powered sales assistant that converts casual browsers into committed buyers. Tailored specifically for Shopify merchants, Carti delivers a customized shopping experience for each visitor by quickly responding to questions, recommending appropriate products, and streamlining the checkout process—all without requiring human intervention. Unlike typical chatbots, Carti draws knowledge from your complete inventory, operational policies, and customer behaviors to offer accurate and relevant solutions. It proactively interacts with site visitors to minimize drop-offs, recovers potential lost sales through personalized follow-ups, and provides insightful data on customer inquiries, empowering you to improve your online store's effectiveness. With an easy setup that takes only five minutes and no programming background necessary, Carti is immediately operational. Whether your offerings include fashion, beauty items, home necessities, or pet supplies, Carti effortlessly adapts to the specific characteristics of your brand, ensuring a consistently engaging experience for all customers. Ultimately, Carti not only increases sales but also significantly enhances the overall shopping journey, making it a valuable asset for any e-commerce business. This innovative tool is set to redefine the way online shopping is experienced.

Media

Media

No images available

Integrations Supported

Adyen
Magento
PayPal
Shopify
Shopware

Integrations Supported

Adyen
Magento
PayPal
Shopify
Shopware

API Availability

Has API

API Availability

Has API

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Pricing Information

$0
Free Trial Offered?
Free Version

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Company Facts

Organization Name

Ratepay

Date Founded

2009

Company Location

Germany

Company Website

ratepay.com

Company Facts

Organization Name

Carti

Date Founded

2025

Company Location

United States

Company Website

heycarti.com

Categories and Features

Categories and Features

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