Company profile: Ratepay
1.1 - Company Overview
Company description
- Provider of secure online payment solutions for e-commerce, optimizing checkout with BNPL, payment by invoice, instalments and direct debit - popular in German-speaking countries. Offers white-label integrations that match the shop's design and the MyRatepay customer portal for order, payment status and service management. Solutions aim to enhance conversion and customer loyalty.
Products and services
- Instalments: instalment-based option letting customers distribute purchases across multiple payments, improving affordability for expensive items while integrated into online shop checkout experiences
- Payment by Invoice (Open Invoice): invoice-based method popular in German-speaking countries where customers pay after receiving goods, supporting safe checkout processes for merchants and shoppers
- Buy Now Pay Later (BNPL): secure BNPL enabling shoppers to complete purchases immediately and settle payments later, boosting conversion rates and customer loyalty in e-commerce checkouts
Key contacts
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Financial details
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1.2 - Competitors and similar companies to Ratepay
BankingCheck
HQ: Germany
Website
- Description: Provider of a review and evaluation portal for banks, insurance companies, financial service providers, and their products.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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Upgrade
HQ: United States
Website
- Description: Provider of credit and mobile banking for mainstream consumers, offering cards and personal loans, plus free credit monitoring and education tools to help users understand and manage finances; Upgrade Card provides an innovative credit card bringing low-cost, responsible credit via installment lending.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
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Avantcard
HQ: Ireland
Website
- Description: Provider of consumer finance and credit products via AvantCard Limited, originally MBNA and later Avantcard, offering introductory offers with the Avantcard One credit card and a mix of offers and rewards with the Reward+ credit card.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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SmartPay
HQ: United States
Website
- Description: Provider of lease-to-own payment plans enabling customers to get devices and accessories through scheduled payments instead of paying upfront. Technology-driven device leasing solutions used by leading wireless retailers and prepaid phone companies nationwide, leveraging software and data analytics to underwrite consumers with minimal credit history. Offers instant decisions, flexible schedules, early payoff, and phone upgrades.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full SmartPay company profile →
Keo World
HQ: United States
Website
- Description: Provider of digital inventory financing and B2B payment solutions that streamline transactions between buyers and suppliers. Offerings include Workeo revolving credit integrated with Amex Business Link, KEO InPay for invoice payments using credit and personal funds, multi-currency domestic and cross-border payments, and supply chain financing for SMEs. Operates in the U.S., Mexico and LATAM.
- Rationale: This competitor operates in a highly similar market segment with overlapping features.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
View full Keo World company profile →
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2.M&A buyers
2.1 Potential strategic acquirers in the sector
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2.2 - Strategic buyer groups for Ratepay
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Buyer group 2: ████████ ████████
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Buyer group 3: ████████ ████████
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Key Products: ████████, ████████, ████████, ████████
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3. Investors and private equity firms
3.1 - Buyout funds investing in similar companies to Ratepay
2.2 - Growth funds investing in similar companies to Ratepay
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4 - Top valuation comps for Ratepay
4.2 - Public trading comparable groups for Ratepay
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