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Founded Year

2009

Stage

Debt - II | Alive

Total Raised

$336.34M

Last Raised

$241.95M | 4 yrs ago

Mosaic Score
The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.

+81 points in the past 30 days

About Ratepay

Ratepay specializes in financial technology and provides white-label payment solutions for the e-commerce sector. Its offerings include buy now, pay later (BNPL) services, deferred payment options, installment plans, and direct debit processing. It was founded in 2009 and is based in Berlin, Germany.

Headquarters Location

Ritterstr. 12-14

Berlin, 10969,

Germany

+49 30 339 88 56-0

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Expert Collections containing Ratepay

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Ratepay is included in 3 Expert Collections, including E-Commerce.

E

E-Commerce

11,147 items

Companies that sell goods online (B2C), or enable the selling of goods online via tech solutions (B2B).

F

Fintech

13,559 items

Excludes US-based companies

D

Digital Lending

197 items

Track and capture company information and workflow.

Latest Ratepay News

Austria Buy Now Pay Later Business Market Databook 2025, Featuring Klarna, Paypal, Afterpay, Ratepay, Billpay, Cashpresso, MyMondu, Paysafe Pay Later, Santander Consumer Bank and Twisto - ResearchAndMarkets.com

Feb 24, 2025

Analysis, Business Model, Demographics - Q1 2025 Update" report has been added to ResearchAndMarkets.com's offering. The BNPL payment market in Austria is expected to grow by 12.8% on annual basis to reach US$1.16 billion in 2025. Austria's BNPL market experienced robust growth during 2021-2024, achieving a CAGR of 22.4%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 8.9% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 1.02 billion to approximately USD 1.77 billion. This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Austria, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics. It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics. Report Scope Insights on Strategy & Innovation : Navigate through future direction of the Buy Now Pay Later industry market by understanding strategic initiatives taken by key players to gain market share and innovation. In-depth Understanding of BNPL Market Dynamics in Austria : Understand emerging opportunities and future direction of the BNPL market, key drivers, and trends. Benefit from a detailed market segmentation with 75+ KPIs. Value and Volume KPIs for Accurate Understanding : Value and volume key performance indicators (KPIs) help in developing an accurate understanding of market dynamics. Competitive Landscape : Get a snapshot of competitive landscape in BNPL sector with key players and market share in Austria. Formulate your strategy by gaining insights into the current structure of the market. Develop Strategies to Gain Market Share : Create and fine tune your targeting strategy in the BNPL sector, identify growth categories and target specific segments across the value chain; evaluate important trends and risks unique to your market. Deeper Understanding of Consumer Behaviour : Increase ROI by understanding how consumer attitudes and behaviours are evolving. Get a detailed view on retail spending dynamics across consumer segments. Companies Featured: Klarna Paypal Afterpay Ratepay Billpay Cashpresso MyMondu Paysafe Pay Later Santander Consumer Bank Twisto Key Attributes: Report Attribute Details No. of Pages Forecast Period Estimated Market Value (USD) in 2025 $1.16 Billion Forecasted Market Value (USD) by 2030 $1.77 Billion Compound Annual Growth Rate Regions Covered Austria Report Scope This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Austria through 58 tables and 75 charts. Below is a summary of key market segments. Austria BNPL Market Size and Spending Pattern Gross Merchandise Value Trend Analysis Average Value Per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later Revenue Analysis Buy Now Pay Later Revenues Buy Now Pay Later Share by Revenue Segments Buy Now Pay Later Revenue by Merchant Commission Buy Now Pay Later Revenue by Missed Payment Fee Revenue Buy Now Pay Later Revenue by Pay Now & Other Income Austria Buy Now Pay Later Operational KPIs & Statistics Buy Now Pay Later Active Consumer Base Buy Now Pay Later Bad Debt Austria BNPL by Purpose Convenience - Short Term Loans Credit - Long Term Loans Austria BNPL by Business Model Two-Party (BNPL offered by retailers) Three-Party BNPL Offering Austria BNPL by Merchant Ecosystem Open Loop System Closed Loop System Austria BNPL by Distribution Model Analysis Standalone Banks & Payment Service Providers Marketplaces Austria Buy Now Pay Later Market Share Analysis by Key Players Austria BNPL Analysis by Channel Online Channel POS Channel Austria Buy Now Pay Later in Retail Shopping: Market Size and Forecast Gross Merchandise Value Trend Analysis Average Value Per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later in Home Improvement: Market Size and Forecast Gross Merchandise Value Trend Analysis Average Value Per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later in Travel: Market Size and Forecast Gross Merchandise Value Trend Analysis Average Value per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later in Media and Entertainment: Market Size and Forecast Gross Merchandise Value Trend Analysis Average Value per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later in Services: Market Size and Forecast Gross Merchandise Value Trend Analysis Average Value Per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later in Automotive: Market Size and Forecast Gross Merchandise Value Trend Analysis Average Value Per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast Gross Merchandise Value Trend Analysis Average Value Per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later in Others: Market Size and Forecast Gross Merchandise Value Trend Analysis Average Value Per Transaction Trend Analysis Transaction Volume Trend Analysis Austria Buy Now Pay Later Analysis by Consumer Attitude and Behaviour Sales Uplift by Product Category Share by Age Group Share by Income Share by Gender Adoption Rationale Monthly Expense Segments For more information about this report visit https://www.researchandmarkets.com/r/y8hln7 About ResearchAndMarkets.com ResearchAndMarkets.com is the world's leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends. View source version on businesswire.com: https://www.businesswire.com/news/home/20250224171584/en/ Contacts ResearchAndMarkets.com Laura Wood, Senior Press Manager press@researchandmarkets.com For E.S.T Office Hours Call 1-917-300-0470 For U.S./ CAN Toll Free Call 1-800-526-8630 For GMT Office Hours Call +353-1-416-8900

Ratepay Frequently Asked Questions (FAQ)

  • When was Ratepay founded?

    Ratepay was founded in 2009.

  • Where is Ratepay's headquarters?

    Ratepay's headquarters is located at Ritterstr. 12-14, Berlin.

  • What is Ratepay's latest funding round?

    Ratepay's latest funding round is Debt - II.

  • How much did Ratepay raise?

    Ratepay raised a total of $336.34M.

  • Who are the investors of Ratepay?

    Investors of Ratepay include Vereinigte Volksbank Raiffeisenbank eG, NIBC Holding and Concardis.

  • Who are Ratepay's competitors?

    Competitors of Ratepay include BharatX and 6 more.

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Compare Ratepay to Competitors

S
Sprinque

Sprinque is a B2B crossborder payments platform that specializes in facilitating global expansion for businesses. The company offers a suite of payment solutions, including the ability for business buyers to pay by invoice with net payment terms or in installments, and provides merchants with instant payment while managing credit and fraud risks. Sprinque primarily serves businesses looking to streamline their payment processes and expand their customer base internationally. It was founded in 2021 and is based in Amsterdam, Netherlands.

Alma Logo
Alma

Alma specializes in payment solutions for the electronic commerce and retail sectors. The company offers services that allow customers to make purchases in installments or defer payments. Its solutions provide guaranteed payments to merchants. The company was founded in 2018 and is based in Paris, France.

P
PenTech

PenTech provides digital financial solutions for businesses in the financial services sector. The company offers services including digital factoring, credit, and leasing, which provide businesses with financing options. These services cater to sectors requiring liquidity management and cash flow. It was founded in 2019 and is based in Budapest, Hungary.

Mondu Logo
Mondu

Mondu specializes in Buy Now, Pay Later (BNPL) solutions for B2B transactions within the financial services sector. The company offers a suite of payment solutions that allow businesses to provide their customers with various deferred payment options, including flexible payment terms, installment plans, and digital trade accounts. Mondu primarily serves the ecommerce industry, B2B marketplaces, and multichannel sales sectors. It was founded in 2021 and is based in Berlin, Germany.

D
Defacto

Defacto specializes in financing solutions within the financial technology sector. The company offers services such as invoice financing, inventory financing, and supplier payment solutions to meet the working capital needs of small and medium-sized businesses. Its platform is designed to integrate with existing systems, providing an embedded lending application programming interface for financial technology and marketplace partners. The company was founded in 2021 and is based in Paris, France.

Klarna Logo
Klarna

Klarna is a financial technology company that provides payment solutions and shopping services. The company offers price comparison, installment payments, and consumer financing for online shopping. Klarna serves the ecommerce industry, providing services to both consumers and retailers. It was founded in 2005 and is based in Stockholm, Sweden.

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