Ratepay is the leading white-label-payment-solution-provider offering the most popular deferred payment methods to sizable online shops in the DACH region. The white label solution optimizes your conversion and ensures that you own your customer journey from the landing page to the checkout. Ratepay covers the entire payment value chain from integration to the dunning process with a smart risk management as its core. Thus it eliminates the merchant’s credit risk by giving a 100% payment guarantee.