Overview
Ratepay is a payment service that gives online stores white-label BNPL payments. Shoppers can pay for an order later, and the store presents that option under its own brand, with no third-party logo at checkout.
What BNPL means
BNPL (buy now, pay later) lets a customer complete a purchase right away and pay afterwards, in one go or in instalments. For a store this payment option usually lifts conversion on larger baskets and reduces abandoned orders when the buyer is not ready to pay the full amount at checkout.
Why white-label matters
In a white-label model the service works behind the scenes: the shopper sees the store's interface and name rather than an outside credit provider. This keeps the brand experience consistent and avoids sending customers to unfamiliar pages during payment.
Who it suits
- online stores with a noticeable average order value;
- retailers that want to offer deferred payment under their own name;
- e-commerce platforms where conversion at the final step matters.
Terms
Countries served, merchant fees and settlement timing are not listed. They are discussed at onboarding based on your product range and sales volume.
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