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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 P2Flux?

P2Flux provides a privacy-centric, non-custodial platform for processing USDC transactions on Base, supporting both individual payments and recurring subscription services. By enabling payments to be directed straight into merchants' wallets, P2Flux guarantees that it does not hold any merchant funds, thus removing the necessity for platform balances, withdrawal procedures, or delays in payment distribution. For subscriptions, customers only need to set fixed payment conditions once; all future renewals will automatically take place according to the agreed-upon timeline without needing additional wallet confirmations. Furthermore, buyers retain the option to cancel or withdraw their authorization at any time directly from their wallets, offering them additional control. Importantly, P2Flux does not require merchants or buyers to create accounts or identity profiles, handling only the essential technical metadata necessary for payment processing and validation. Among its diverse features are hosted checkout services, automated payment verification, webhooks, and the ability to process both full and partial refunds, alongside a REST API and SDKs for JavaScript/TypeScript and PHP. Additionally, it offers a Base Sepolia testing environment, making it a valuable resource for developers looking to test their integrations. This extensive range of functionalities positions P2Flux as an attractive option for individuals and businesses in search of an efficient and user-friendly payment solution.

Media

Media

No images available

Integrations Supported

Adyen
Magento
PayPal
Shopware

Integrations Supported

Adyen
Magento
PayPal
Shopware

API Availability

Has API

API Availability

Has API

Pricing Information

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

Pricing Information

1% - 2% +0.1 USDC
Free Version
Free Trial Offered?

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

P2Flux

Date Founded

2016

Company Location

United States

Company Website

p2flux.com

Categories and Features

Categories and Features

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