Ratepay GmbH Reviews 

Terrible experience. Did online purchase of a small item in an online shop, the shop's web interface confirmed that payment went fine, yet I started receiving emails from RatePay asking me to pay them for the item. I wrote that the payment should have went through but never got any reply, just continuous asking for payment. Would not do any business related with RatePay ever again, also not with any online shops that work with them.

This company is fraud and o advise people using it to stay away from it before they loose their money ..needed a refund for good returned and is been a month now without they transferring the money into my account even though they promised to ..Stay away

I did not advice this company at all for more two years the company has loss without any gain.

Review 1 – Professional & Balanced

Title: Lacking true leadership and growth opportunities
Pros: Exposure to fintech projects and a few talented colleagues.
Cons: Decision-making is not transparent and leadership is overly focused on metrics instead of people. Career paths are unclear, with very limited advancement opportunities. Promotions often depend more on favoritism than performance. The company talks a lot about innovation, but in practice it’s just a buzzword with little substance.

Review 2 – Frustrated Tone

Title: Numbers matter more than people
Pros: The brand is known in the industry, and the office setup is modern.
Cons: Leadership is only concerned with KPIs and quarterly results. Employees are left in the dark about decisions that affect them directly. There’s no real career progression, and promotions are based on who you know, not what you achieve. Innovation is something they like to advertise, but employees rarely see it in action.

Review 3 – Blunt/Direct

Title: Not a place for growth
Pros: A decent stepping stone if you’re just starting in fintech.
Cons: No transparency, no fair promotions, and no real development opportunities. Management plays favorites, and “innovation” is just marketing jargon. If you’re ambitious and want to grow, this isn’t the place.

Perfect Customer Service. I am a very happy Customer! Thank you.

I paid my Zara order via Ratepay and returned the items, but my account still shows an open invoice. I sent proof again and again (Zara’s official confirmation of the return), yet I only get automated replies and no real help.

I’ve been dealing with this for around four months. There’s no transparent escalation path and my requests are repeatedly rejected. This experience has been exhausting and feels very unfair. I would not recommend Ratepay unless their customer support and complaint process improve.

If I could give them a zero 0 star I would.
This company takes care of Zara invoices and for SEVERAL times I’ve paid for the goods and they don’t take it off from the system as paid.

They try to charge you over and over.

DO NOT BUY AT ZARA OVER INVOICE AS THIS COMPANY IS SCAMMING YOU.
I’m after my rights already for harassment.

Be sure that this company is not wasting your time by applying for it, because nothing about the company is correct.

The jobs are based on connections, not experience, so even someone with no experience in sales could become a sales manager.

There is discrimination between employees: if you know the manager, you will get promoted.

A manager with programming experience leading the marketing team without any experience in marketing, and vice versa.

If you want to waste your time and effort, try finding a job in this company. for

Super competent and fast .

If I could make stars in minus!!! One month I am not receiving Bill to pay for my order and Ratepay doesn't have phone number and no reply on my emails or on the site

I tried to contact them 4 times regarding an invoice. Reached out per mail and as well as with their contact form. No phone number could be found on their site...which is kind of illegal in Germany.

I would avoid to use them as payment provider. Customer support is dead. It seems like no one is working there.

They stopped charging us for no reason, ignored our calls and then just sent COEO.de who harassed us with threats and ignored all our emails and answers.

I had a fantastic experience with Eurowings. The flights were great, and I felt exceptionally safe throughout the journey. Eurowings is the only airline I trust for my travels. Highly recommended!

As a customer by an otherwise good company using RatePay for their billing, I feel sorry for them, because they have now lost us as their clients, because of RatePay. They are rigid and have NO interest in solving any issues with their own procedures. This is BAD for business. They do not respond, and add extra fees as it suits them, under the excuse of "payment reminder" - which is not the case.
UPDATE: We ended up paying all fees, in spite of having transferred money at the right time. But RatePay could not handle "bundled transfers" - which we did because transferring money internationally is quite expensive. RatePay is designed for smaller, German customers. Not international companies. We are not using the service provider initially sending these bills to RatePay anymore, because of this. And quite frankly, our sense of justice have literally been molested here. Steer absolutely clear of RatePay if you can!

No flexibility with payments even if you already paid and somehow the transfer didn’t work out and you are overseas on holiday they expect you to pay in time with zero flexibility to give few days more deadline. Will never use ratepay again.

Oh, my GOD, this is what Rate pay is, sending people payment bills for orders not made! shame shame shame. I am not going to pay bills of unknown orders. I am happy I have never made any payment through Rate Pay. Where did you even get my name from, You thieves.

It's annoying there is no ZERO star option of rating! That's what RatePay deserves, ZERO! The worst customer service in Germany!!!! It's either you will encounter a CS that are rude nor they won't bother to reply all your emails!

I will never pay money to a company that cannot even get my address right, although the supplier confirms that all my details are correct!

Feel free to use the payment method and easy

So out of the blue, some guy from Ratepay rings me today, and says, I paid some bill a few days late 6 weeks ago, and now I must pay what amount to a 25% fee.

He rang me.
At work.
In the middle of a meeting.

No email or letter was received prior, advising there was some other fee.

Just straight to ringing me at work.

Dear ratepay. Sod off.

Keep sending me invoices and late payment fees, although the order was cancelled and never sent. Also not answering any attempts to contact since weeks.

EDIT: Resolved