# Welcome to the Ratepay documentation portal

div
div
⏱ 1 min
div
👤 Merchant Onboarding Team (Marcel K.)
Ratepay is a white-label Buy Now, Pay Later (BNPL) payment solution.

With Ratepay payment methods, transaction security is handled by Ratepay, including full credit risk assumption and end-to-end payment processing.

## New to Ratepay?

If you're evaluating Ratepay or looking for an overview, we would recommend to start with [Payment methods](/docs/about_ratepay/payment_methods) to understand how Ratepay works before exploring integration or operational details.

## Getting started

Developer
###### Technical details for integrating Ratepay directly into your checkout or backend systems.

div
a
h3
Integration options
p
Start by identifying which integration approach matches your use cases.
div
span
Continue
span
→
div
a
h3
Payment API 2.0
p
Our latest API for new integrations, offering improved flexibility.
div
span
Read docs
span
→
a
h3
Hosted Payment Page
p
A redirect-based integration where Ratepay hosts the payment experience for you.
div
span
Read docs
span
→
a
h3
Payment API 1.8
p
The previous generation of the Ratepay Payment API, still supported for existing integrations.
div
span
Read docs
span
→
br
br
#### Shop Systems

###### Ready-made plugins for popular e-commerce platforms to get started quickly.

div
a
h3
Shopware
p
Official Ratepay plugin for integrating BNPL payment methods into Shopware.
div
span
Read docs
span
→
a
h3
Magento
p
Integrate the Ratepay payment methods into your Magento-based webshop.
div
span
Read docs
span
→
a
h3
OXID
p
Enable Ratepay in your OXID eShop.
div
span
Read docs
span
→
br
br
#### Payment Service Providers

###### Integrations with supported payment service providers that already include Ratepay.

div
a
h3
Adyen
p
Use Ratepay through your existing Adyen integration.
div
span
Read docs
span
→
a
h3
Avarda
p
Integrate Ratepay via Avarda.
div
span
Read docs
span
→
a
h3
PAYONE
p
Process Ratepay payments via PAYONE.
div
span
Read docs
span
→
Customer Service
###### Tools and documentation for managing transactions, customers, and day-to-day operations.

div
a
div
img
h3
ORCA
p
The Ratepay merchant portal for transaction management, customer support, and reporting.
div
span
Read docs
span
→
Finance
###### Documentation for payouts, reconciliation, and financial reporting.

div
a
h3
Settlement Files
p
Detailed information about your payouts and transferred amounts.
div
span
Read docs
span
→
a
h3
Clearing Files
p
Daily transaction-level data for reconciliation and accounting purposes.
div
span
Read docs
span
→
a
h3
Merchant Invoices
p
Monthly invoices covering fees and services provided by Ratepay.
div
span
Read docs
span
→
Legal
###### Legal and compliance requirements for offering Ratepay payment methods in your shop.

div
a
h3
Basic integration
p
Legal guidelines and mandatory requirements for integrating Ratepay into your shop.
span
div
span
Read docs
span
→