What is Ratepay?

Ratepay is an online service provider which allows merchants to provide their customers secure and customized payment methods that can easily be integrated into their online shops.


By choosing Ratepay products, security is on your side as we bear the full risk and take over the complete processing for you.


The following Ratepay products are available:

Open Invoice

Paying by invoice is by far the most popular payment method among German online shoppers. You can benefit from this by offering your customers Ratepay Invoicing.

Available for B2B and B2C.


With Ratepay Instalments, you can offer your shoppers the ability to pay in instalments without having to participate in the PostIdent procedure and without any hassle. Shoppers have full flexibility in terms of their monthly payment amounts.

Available for B2C.

SEPA Direct Debit

Due to its ease of use, paying by direct debit is another very popular payment method among German online shoppers. Win new customers by offering Ratepay's SEPA Direct Debit.

Available for B2B and B2C.



Prepayment is only available via Payment API 1.8.

Ratepay Prepayment offers you one of the most commonly used payment methods, and includes holistic debtor management functionality. That means you don't have to square bank accounts with your accounting systems any more. Ratepay does it all for you. Furthermore Ratepay Prepayment can be combined with the other products as a fallback for customers who fail the credit check.

Available for B2B and B2C.


Currently, Ratepay’s payment methods are available1 for billing and delivery addresses in

  • Germany,
  • Austria,
  • the Netherlands and
  • Switzerland

1 depending on contractual terms