ratenkauf by easyCredit – use Germany's easiest installment purchase solution now. We strive for simplicity, fairness, and security, both for installment purchase customers and for merchants. The quick, easy, and seamlessly integrated process, which includes an instant online credit check, can be securely incorporated into the online shop. We take on the default risk, and you can post your revenue just three days later. You can depend on us: We have many years of liquidity management experience and proven high levels of customer satisfaction with easyCredit.

TeamBank AG has been part of the cooperative financial network since 2003 and, with its easyCredit product, is the Volksbanken Raiffeisenbanken consumer finance expert. TeamBank now offers 'ratenkauf by easyCredit', the first installment purchase solution to combine a simple and uniformly designed installment purchase function for e-commerce and the point of sale (PoS).

TeamBank offers two integration options, Payment Page and Service Integration, for handling the web shop ordering process. From a technical perspective, ratenkauf is integrated via web services in the form of REST resources, which can be accessed via JSON or XML. Installment purchase is selected as the payment method in the web shop. To help buyers make a decision, TeamBank provides an installment purchase calculator in the web shop as a service.

An installment purchase transaction is initialized on the basis of a unique transaction code for the exchange of information with the web shop and for the assignment at TeamBank. Non-manipulable data exchange is ensured using an SSL-secured connection and authentication via a web-shop-specific password. Transfer and validation of data that is collected during the shopping transaction in the web shop and that is relevant to the installment purchase. Generation of a one-off unique token for subsequent data exchange with Device Ident.

  • Cart Values from 200,- to 3.000,- EUR (physical goods including product related services)
  • Duration between 6 and 36 months
  • High-selling – generate higher sales through a bigger cart value
  • Profitable – less order terminations due to no media disruption
  • Assured – credit risk secured by easyCredit (solvency risk)
  • Fair – simple and transparent easyCredit-processes