# Welcome to the Ratepay documentation portal

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👤 Merchant Onboarding Team (Marcel K.)
Ratepay is a white-label Buy Now, Pay Later (BNPL) payment solution.

With Ratepay payment methods, transaction security is handled by Ratepay, including full credit risk assumption and end-to-end payment processing.

The Ratepay payment methods can be provided for the following sales channels:

- Online shops
- Mail orders / telephone orders (MOTO)
- In-store / Point of Sale (POS)


## Who should use this documentation?

This documentation is relevant for:

- **Merchants & product teams** evaluating or using Ratepay
- **Developers** integrating Ratepay into shops or platforms
- **Operations & support teams** handling orders, refunds, and reporting