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Description

Ratepay is a provider of White Label Buy Now Pay Later (BNPL), financial services, in Germany, Austria Switzerland and The Netherlands. The company allows large online retailers to offer their customers (buyers) a variety of payment options, including open invoices, direct debits, and installments. Ratepay is integrated natively at checkout and therefore invisible to buyers. It does not erode the merchant's trustworthiness or brand. The buyers do not have to leave the checkout interface, create an account or download an application. They remain within the brand world and trustworthiness of the merchant. This results in a higher conversion, a larger average basket, and more repeat sales.

Description

Transforming the landscape of technology procurement and financial solutions, this innovative platform integrates payments, predictive pricing, financing, and a streamlined quote-to-cash process into a cohesive system. It offers flexible payment alternatives designed to expedite deal closures, seamlessly embedded within the sales process. By leveraging existing recurring revenues, businesses can secure immediate funding, allowing them to receive payments promptly even if their customers opt for delayed payment. This approach aligns payment structures with customer payment schedules, enabling organizations to unlock growth capital from their own assets without incurring debt or equity dilution. Unlike traditional venture debt or revenue-based financing, Ratio requires no monthly payments, providing further financial relief. Businesses can selectively choose which contracts to monetize based on their cash flow requirements. The Ratio team comprises seasoned professionals from the SaaS and finance sectors, alongside serial entrepreneurs and innovators. Equity remains a vital component for company growth and team compensation, and engaging with Ratio for strategic capital ensures there is no equity dilution or warrant issuance. This unique model empowers businesses to thrive while maintaining ownership and control.

API Access

Has API Yes 

API Access

Has API No 

Screenshots View All

Screenshots View All

Integrations

Adyen Yes 
Chargebee No 
Clear Books No 
FreeAgent No 
FreshBooks No 
KashFlow No 
Magento Yes 
Maxio No 
NetSuite No 
PayPal Yes 
Plaid No 
QuickBooks Desktop Pro No 
QuickBooks Online No 
Recurly No 
Sage 50 No 
Sage Accounting No 
Shopware Yes 
Stripe No 
Xero No 

Integrations

Adyen No 
Chargebee Yes 
Clear Books Yes 
FreeAgent Yes 
FreshBooks Yes 
KashFlow Yes 
Magento No 
Maxio Yes 
NetSuite Yes 
PayPal No 
Plaid Yes 
QuickBooks Desktop Pro Yes 
QuickBooks Online Yes 
Recurly Yes 
Sage 50 Yes 
Sage Accounting Yes 
Shopware No 
Stripe Yes 
Xero Yes 

Pricing Details

customizable based on vertical, basket size, business model (B2B, B2C, marketplace...), features, modules, payment conditions.
Free Trial Yes 
Free Version No 

Pricing Details

No price information available.
Free Trial No 
Free Version No 

Deployment

Web-Based Yes 
On-Premises Yes 
iPhone App No 
iPad App No 
Android App No 
Windows Yes 
Mac Yes 
Linux Yes 
Chromebook Yes 

Deployment

Web-Based Yes 
On-Premises No 
iPhone App No 
iPad App No 
Android App No 
Windows No 
Mac No 
Linux No 
Chromebook No 

Customer Support

Business Hours Yes 
Live Rep (24/7) No 
Online Support Yes 

Customer Support

Business Hours Yes 
Live Rep (24/7) No 
Online Support Yes 

Types of Training

Training Docs Yes 
Webinars Yes 
Live Training (Online) Yes 
In Person Yes 

Types of Training

Training Docs Yes 
Webinars No 
Live Training (Online) No 
In Person No 

Vendor Details

Company Name

Ratepay

Founded

2009

Country

Germany

Website

ratepay.com

Vendor Details

Company Name

Ratio

Founded

2021

Country

United States

Website

www.ratiotech.com

Product Features

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