RatePAY GmbH is a German FinTech company founded in Berlin in 2009. It provides white-label "Buy Now, Pay Later" (BNPL) payment solutions for online retailers in the DACH region (Germany, Austria, Switzerland) and the Netherlands. Their services include invoice purchasing, installment payments, and direct debit, taking over the complete processing and default risk for merchants. RatePAY aims to increase conversion rates and average order values for online shops by offering trusted payment methods.