Freedom251 › Buy Now, Pay Later Platforms
Riverty
What Riverty is
Riverty provides payment, accounting, and debt collection products for businesses, alongside payment tools for consumers across online shopping, mobility, and bill payments. Its merchant Buy Now, Pay Later service supports checkout through post-purchase, with options including 14- or 30-day invoices, monthly invoices, direct debit, Pay in 3, and fixed installments. Pay in 3 is described as three equal, zero-interest payments designed for Dutch consumers. Merchants can connect through existing payment service provider or platform setups; named partners include Adyen, Mollie, Pay, and Buckaroo. Supported merchant platforms include Shopify, Magento, WooCommerce, Shopware, PrestaShop, Lightspeed, JTL, and OXID eSale. Enterprise integrations can use a developer portal with APIs, sandbox environments, integration guides, and test credentials. The service supports omnichannel checkout, scheduled merchant settlement, and a merchant dashboard. Consumers can use the Android and iOS app to check due dates, adjust or schedule payments, manage returns, and track refunds. The company says it became a brand in 2022 and traces its roots to a financial services business founded in the 1960s. Pricing depends on setup and integration; merchants are directed to their PSP or Riverty sales for details.
Who it suits
Riverty suits merchants seeking checkout payment choices and consumer account tools for shoppers using its payment options. It also serves businesses needing payment, accounting, or debt collection products.
What it does well
- Supports web, iOS, Android, and API access.
- Integrates with named PSPs and commerce platforms.
- Consumer app tracks due dates and refunds.
- Offers several invoice and installment terms.
What to know first
- Pricing depends on setup and integration.
- Pay in 3 is designed for Dutch consumers.
Limits
Pricing is provided on request and depends on the setup and integration. For online shopping, postponing payment by seven days is free; extensions of 14, 30, or 60 days cost a fee.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Pause | Seven-day postponement is free; longer extensions may carry a fee · Pause invoice payments · seven days free · 14-, 30- or 60-day extensions may cost a fee | Free |
| 14/30-day invoice | Pricing depends on country and merchant setup · Pay 14 or 30 days later · available in Austria, Belgium, Denmark, Finland, Germany, Norway, Netherlands and Sweden | On request |
| Monthly invoice | Pricing depends on merchant setup · Combines monthly purchases into one invoice · available in eight European countries | On request |
| Flex | Full cost shown before commitment · Combine purchases and choose monthly amount · available in Germany and the Netherlands · credit product in the app | On request |
| Pay in 3 | Three equal interest-free payments over 60 or 90 days · No additional fees stated · available in the Netherlands | On request |
| Direct debit | Automatic bank-account withdrawal · Available in Austria, Germany and the Netherlands | On request |
| Riverty Buy Now, Pay Later | Pricing depends on the setup and integration; contact the PSP or Riverty sales for details. · 14- or 30-day invoice · monthly invoice · fixed installments · Pay in 3 · direct debit | On request |
| Fixed installments | Monthly installments; merchant-specific pricing · Spreads premium purchases over installments | On request |
As riverty.com lists them, read 15 Oct 2026. The maker's own page has the final word.
Getting started
- Open the Riverty website
- Contact Riverty sales or your payment service provider for pricing
- Connect through an existing PSP or supported commerce platform
- Use the developer portal for APIs, sandbox access, guides, and test credentials
- Offer available invoice, installment, direct-debit, or Pay in 3 options
Verdict
Riverty combines merchant checkout options with consumer payment management and business financial products. Merchants should confirm pricing for their setup and integration before proceeding.
Questions
What does Riverty provide?
It offers payment, accounting, and debt-collection products for businesses, plus consumer payment-management tools.
Which repayment choices are available?
Options include 14- or 30-day invoices, monthly invoices, direct debit, Pay in 3, fixed installments, and fixed terms of 6, 12, or 24 months.
Which platforms can merchants integrate?
Named platforms include Shopify, Magento, WooCommerce, Shopware, PrestaShop, Lightspeed, JTL, and OXID eSale.
Is Riverty free?
No. Riverty uses a paid model, with pricing provided on request.
Where is the consumer app available?
Riverty links to the App Store and Google Play, and lists Android and iOS support.
What regions are listed for consumers?
The listed regions are Germany, Austria, Switzerland, the Netherlands, Belgium, Sweden, Finland, Norway, and De.
Facts from Riverty's own pages
- API and developer access
- The company directs merchants to its developer portal for APIs, sandbox environments, integration guides, and test credentials for enterprise BNPL integration. · riverty.com, 7 Oct 2026
- API authentication
- Merchants authenticate API calls with an X-Auth-Key issued per webshop and country, and can test it with GetVersion. · docs.riverty.com, 15 Oct 2026
- API environments
- BNPL documentation provides separate Partner Test and Live endpoints, with live access only after integration completion. · docs.riverty.com, 15 Oct 2026
- App availability
- Riverty links users to download its app, and its site identifies App Store and Google Play as download destinations. · riverty.com, 7 Oct 2026
- Collection API
- The debt-collection API is RESTful, exchanges JSON and exposes claim, transaction and document functionality. · docs.riverty.com, 15 Oct 2026
- Company history
- Riverty says its roots reach back to a Bertelsmann financial-services business founded in the 1960s. · riverty.com, 15 Oct 2026
- Company scale
- Riverty's about page reports 4,000 experts in 12 countries and more than one billion transactions. · riverty.com, 15 Oct 2026
- Consumer app
- The app brings invoices and payments together, supports reminders, returns, payment pauses and one-click payment. · play.google.com, 15 Oct 2026
- Consumer payment extension
- For online shopping, Riverty says users can postpone payment for 7 days free or extend the term by 14, 30, or 60 days for a fee. · riverty.com, 7 Oct 2026
- Customer support
- Riverty says its customer service team handles payment-related BNPL support, while its help page routes consumers by country. · riverty.com, 7 Oct 2026
- Dispute handling
- Riverty says it pauses invoice reminders during disputes and provides automated dispute management for merchants. · riverty.com, 15 Oct 2026
- Documentation scope
- The docs portal covers BNPL, free-flow parking, accounting as a service and Back in Flow integrations and technical specifications. · docs.riverty.com, 15 Oct 2026
- Flexible payments
- Consumers can bundle purchases, pause invoices, reschedule payments or choose installment amounts in the app. · riverty.com, 15 Oct 2026
- Founded
- 2022 · riverty.com, 28 Sept 2026
- Fraud prevention
- Merchant services include real-time risk scoring, machine-learning fraud models, account-takeover protection and stop-order requests. · riverty.com, 15 Oct 2026
- Integrations
- Official integration documentation lists Magento, Shopify, WooCommerce, Shopware, PrestaShop, Lightspeed, JTL, OXID, Myshop and Divide.o. · docs.riverty.com, 15 Oct 2026
- Legal maker
- The website operator is Riverty Group GmbH, registered in Baden-Baden, Germany. · riverty.com, 15 Oct 2026
- Limit: app reliability
- Independent AppWereld reviews report blank screens, failed payments, missing orders, login problems and late fees during unresolved issues. · appwereld.nl, 15 Oct 2026
- Limit: collection charges
- Trustpilot complaints include collection fees added to relatively small balances after disputed or unclear payment communication. · trustpilot.com, 15 Oct 2026
- Limit: workload
- Glassdoor reviewers mention periods of heavy workload and uneven onboarding experiences. · glassdoor.com, 15 Oct 2026
- LinkedIn size
- LinkedIn lists Riverty as a public financial-services company headquartered in Baden-Baden with 5,001–10,000 employees. · linkedin.com, 15 Oct 2026
- Maker ownership
- Bertelsmann describes Riverty as its fintech division and wholly owns the Arvato Group that contains it. · bertelsmann.com, 15 Oct 2026
- Merchant analytics
- Merchant dashboards provide real-time views of payments, returns and customer activity. · riverty.com, 15 Oct 2026
- Merchant checkout
- Its Buy Now, Pay Later offering supports merchants from checkout through post-purchase with flexible payment options. · riverty.com, 7 Oct 2026
Where Riverty stands on Freedom251
- Buy Now, Pay Later Platforms#7 of 26