BNPL Expansion Gains Momentum with Avarda–Ratepay Alliance
Avarda and Ratepay have officially joined forces. Together, they aim to accelerate BNPL expansion across European markets.
Avarda, based in Scandinavia, builds white-label BNPL and checkout solutions. Ratepay, based in Germany, offers secure invoice and direct debit services.
Through this alliance, both firms plan to offer flexible payment methods tailored to local market preferences.
Local Experience Meets a Unified Integration
Avarda brings deep expertise in merchant-friendly white-label platforms. Ratepay contributes trusted payment services favored in German-speaking regions.
Importantly, this partnership enables merchants to integrate both services through a single platform. As a result, businesses reduce complexity while improving customer experience.
More importantly, shoppers receive checkout options they already trust—especially in the DACH and Dutch markets.
Why Localised Payments Matter Now
Europe’s payment preferences vary widely. For example, one in four German shoppers prefers invoice payments.
Therefore, offering local payment options increases conversion rates and reduces cart abandonment. This is exactly what Avarda and Ratepay want to solve.
Their combined solution will offer invoice and direct debit options through Avarda’s checkout flow.
A Shared Vision for Brand-Friendly Payments
Avarda believes merchants should own their brand, data, and customer experience. Ratepay agrees.
Consequently, their white-label solutions keep merchants at the center. They don’t redirect users to third-party checkout pages.
Instead, these tools keep the merchant’s branding intact while still delivering secure and fast payments.
Driving Growth Across Borders
Cross-border commerce often feels complex. However, this alliance simplifies it.
Avarda’s checkout integrates Ratepay’s payment methods directly. As a result, merchants gain access to broader regions with less effort.
They can now expand into DACH and Dutch markets with localised tools that customers already know and use.
Leaders Back the Move
Sabrina Flunkert-Glinzer, CEO of Ratepay, said, “We share Avarda’s focus on local, secure, white-label payments.”
She added that Ratepay will support Avarda’s checkout expansion into key markets with its invoice and direct debit expertise.
Similarly, Wilhelm Hyltén-Cavallius, CEO of Avarda, stated, “This partnership supports our mission to empower merchants with flexible, brand-forward solutions.”
What This Means for BNPL Expansion
As demand rises, Europe needs BNPL tools that work across borders—yet feel local.
This partnership enables exactly that. It offers merchants one integration, broad reach, and full brand control.
Ultimately, it makes BNPL expansion smoother, more secure, and truly merchant-first.
By focusing on local trust, brand control, and user experience, Avarda and Ratepay are redefining the future of checkout in Europe.