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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 Copilot Checkout?

Microsoft has unveiled two cutting-edge AI-driven commerce features, Copilot Checkout and Brand Agents, designed to optimize the customer journey from the initial search to the final purchase. These innovations enable users to explore, assess, and complete transactions all within an AI chat interface, ensuring that merchants maintain control over sales and customer communications. Copilot Checkout enhances the shopping experience by integrating a smooth conversational interface for both shopping and payment processes into the Microsoft Copilot AI platform, allowing customers to ask about products, receive customized suggestions, and finalize transactions without needing to leave the chat, with payment facilitated by trusted partners like PayPal, Shopify, and Stripe. On the other hand, Brand Agents act as AI shopping assistants that can be deployed on merchants' websites, initially through platforms such as Shopify and Microsoft Clarity, delivering personalized and brand-focused support, responding to customer inquiries in a manner that reflects the brand's unique voice, and helping visitors navigate products and resolve any concerns. This powerful combination of features not only enhances the overall shopping experience but also enables brands to retain their identity while connecting with customers more effectively, ultimately fostering a deeper relationship between consumers and retailers. As the landscape of e-commerce evolves, these tools represent a significant step forward in leveraging AI to enhance customer engagement and streamline transactions.

Media

Media

Integrations Supported

PayPal
Adyen
Magento
Shopware

Integrations Supported

PayPal
Microsoft Clarity
Microsoft Copilot
Shopify
Stripe

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

Standard Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training

Company Facts

Organization Name

Ratepay

Date Founded

2009

Company Location

Germany

Company Website

ratepay.com

Company Facts

Organization Name

Microsoft

Date Founded

1975

Company Location

United States

Company Website

about.ads.microsoft.com/en/blog/post/january-2026/conversations-that-convert-copilot-checkout-and-brand-agents

Categories and Features

Buy Now Pay Later

Not specified

Categories and Features

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