Ratepay

Financial ServicesBerlin, Germany51-200 Employees

Ratepay is a German financial services company headquartered in Berlin, Germany, at 12-14 Ritterstr., Berlin-Kreuzberg, 10969. It focuses on white-label Buy Now, Pay Later (BNPL) solutions and covers the full payment value chain, including integration, AI-driven risk management, and dunning. The company serves businesses across Germany, Austria, Switzerland, and beyond. Ratepay originated as the online payment services arm of the Otto Group and, in 2017, was acquired by Advent International and Bain Capital Private Equity. The company reports a workforce in the 51-200 employee range. In March 2025, BaFin fined Ratepay €25,000 over suspected AML failures.

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