Ratepay supports Open Invoice, SEPA Direct Debit, and Pay in 3. Availability depends on merchant contract, country and buyer eligibility.
The possibilities are stated here. Exact availability is contract‑ and product specific.
The buyer receives the goods first and pays an invoice within the specified due date. Ratepay activates the claim after the merchant confirms the shipment (via Capture / Confirmation Deliver).
Ratepay collects the amount from the buyer’s bank account via SEPA direct debit after Capture / Confirmation Deliver.
The buyer splits the purchase into 3 monthly payments. No interest or fees apply if payments are made on time.
Yes - depending on contract and product possibility, see here. Buyer data requirements may differ (e.g., company name & VAT ID for B2B, date of birth for B2C).
The Ratepay payment methods can be offered for Online shop-, Mail / Telephone- and for Point of Sale transactions.
Yes, e.g., minimum age, valid address, bank account for direct debit, and successful risk assessment.
Yes, during the Authorize transaction / Payment Request, Ratepay evaluates the transaction based on buyer and basket data. Depth and factors can differ by product.
Yes. Partial captures allow shipping in multiple steps. Subsequent correspondences or direct debit collections reflect the captured items.
Yes, they should be properly reflected in the basket breakdown (items, taxes, shipping, discounts) to ensure correct authorization and settlement.
Usually yes. Limits depend individually on contractual agreement. Transactions outside limits may be declined.
Depends on merchant vertical and contractual agreement. Physical goods with shipment signals are most common; services may need special handling.
Using the Ratepay payment methods with baskets, where the purchase of gift cards are intended, are not allowed. In case an already bought gift card should be redeemed, it should be transmitted as separate discount item during the authorization, so the amount will be reduced.