Avarda and Ratepay Launch Strategic Partnership

The partnership builds on each other’s strength and a shared mission: to expand white label payment solutions and strengthen merchant branding throughout the customer journey.

• The collaboration combines respective local market expertise to offer merchants a tailored payment experience for diverse European markets
• Ratepay will power white label invoice and direct debit in the Avarda Checkout in the DACH market and the Netherlands
• Merchants will benefit from a merchant brand-first, seamless and fully integrated BNPL payment experience

Berlin, Germany – July 8, 2025
Avarda, one of the leading payment providers in Northern Europe, and Ratepay, the leading white-lavel”Buy Now Pay Later” (BNPL) partner in the DACH region, have formed a partnership to expand geographical reach by integrating the latest Ratepay API into Avarda’s checkout product.

The launch enhances the Avarda Checkout with widely used local payment methods in the DACH region. These include invoice and direct debit, which remain among the most preferred payment options in the region. For instance, every fourth German online shopper favoring invoice-based payments.

Sabrina Flunkert-Glinzer, CEO at Ratepay:
”Avarda shares our commitment to providing seamless, secure, and localized white label payment methods that empower merchants and enhance customer experience. We are pleased to support Avarda's expansion into the DACH and Dutch markets by enhancing their checkout product with our invoice and direct debit expertise.”

Wilhelm Hyltén-Cavallius, CEO at Avarda:
"This partnership with Ratepay marks a pivotal step in our mission to support merchants with brand-friendly, white label payment solutions across Europe. Together, we’re building a future where the merchant stays front and center—owning the customer relationship, the data, and the brand experience."

The partnership is set up to cater for European demands of merchants, while accommodating local preferences of consumers: Merchants are looking for greater geographical coverage with a single integration and point of contact; consumer demand across Europe remains fragmented, with consumers favoring locally preferred payment methods.

Leveraging their combined experience and strengths in their respective local markets, Ratepay and Avarda seek to be the partner of choice for the European merchant base.

About Ratepay
Ratepay is Europe's leading expert in white label Buy Now, Pay Later (BNPL) payment solutions. Specializing in payment methods such as invoice and direct debit, Ratepay enables seamless and secure purchasing processes for e-commerce merchants and their customers. The white label approach allows merchants to retain control over customer data and communication, and to highlight their own brand throughout the payment process.
Ratepay GmbH was founded in December 2009 in Berlin and employs more than 200 people. It is part of the Nexi Group.

For media inquiries, contact:
ann-katrin@ajari-institut.com

About Avarda
Avarda is a leading payment solution provider in the Northern European region, offering complete checkout solutions designed to maximize conversion and repurchase rates. Through white label payments, Avarda enables retailers to own the entire customer journey, creating fully branded checkout and post-purchase experiences that strengthen brand identity and build customer loyalty. Avarda’s customizable solutions integrate smoothly with business operations, helping merchants drive long-term growth.

For media inquiries, contact:
pr@avarda.com