Riverty
Riverty provides payment, accounting, and debt collection products across online shopping, mobility, and bill payments.
What Riverty is
Riverty provides payment, accounting, and debt collection products across online shopping, mobility, and bill payments. Its merchant Buy Now, Pay Later service supports checkout through post-purchase with monthly invoices, 14- or 30-day invoices, direct debit, Pay in 3, and fixed installments. Listed repayment terms also include three equal payments over 60 or 90 days and fixed terms of 6, 12, or 24 months. Riverty describes Pay in 3 as three equal, zero-interest payments for Dutch consumers. Merchants can add BNPL through existing PSP or platform setups, with named partners including Adyen, Mollie, Pay, and Buckaroo. Supported platforms include Shopify, Magento, WooCommerce, Shopware, PrestaShop, Lightspeed, JTL, and OXID eSale. Enterprise integrations can use APIs, sandbox environments, guides, and test credentials. Consumers can use Android and iOS apps to view due dates, manage payments and returns, and track refunds. Omnichannel checkout, scheduled settlement, and a merchant dashboard are listed.
Good
- Offers multiple invoice and installment choices
- Supports many merchant platforms
- Provides APIs and sandbox environments
- Consumer app tracks payments and refunds
- Scheduled merchant settlement
Watch out
- Pricing is available on request
- Pay in 3 is designed for Dutch consumers
- Consumer availability is limited to listed regions
- Payment extensions may carry a fee
Who it suits
It serves businesses needing payment, accounting, or debt collection products and consumers managing deferred payments. Merchant and consumer availability depends on the listed platforms and regions.
Verdict
Riverty combines merchant BNPL integrations with consumer payment management across web, Android, and iOS. Check supported platforms, regions, repayment terms, and setup-dependent pricing before choosing it.
Plans and prices
From Riverty's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Pause | Free | Pause invoice payments · seven days free · 14-, 30- or 60-day extensions may cost a fee · Seven-day postponement is free; longer extensions may carry a fee |
| Direct debit | Priced on request | Available in Austria, Germany and the Netherlands · Automatic bank-account withdrawal |
| Fixed installments | Priced on request | Spreads premium purchases over installments · Monthly installments; merchant-specific pricing |
| Flex | Priced on request | Combine purchases and choose monthly amount · available in Germany and the Netherlands · credit product in the app · Full cost shown before commitment |
| Monthly invoice | Priced on request | Combines monthly purchases into one invoice · available in eight European countries · Pricing depends on merchant setup |
| Pay in 3 | Priced on request | No additional fees stated · available in the Netherlands · Three equal interest-free payments over 60 or 90 days |
| 14/30-day invoice | Priced on request | Pay 14 or 30 days later · available in Austria, Belgium, Denmark, Finland, Germany, Norway, Netherlands and Sweden · Pricing depends on country and merchant setup |
| Riverty Buy Now, Pay Later | Priced on request | 14- or 30-day invoice · monthly invoice · fixed installments · Pay in 3 · direct debit · Pricing depends on the setup and integration; contact the PSP or Riverty sales for details. |
The facts
Each one read from Riverty's own pages, with the date it was checked.
What it does
- 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.checked 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.checked 15 Oct 2026
- API environments
- BNPL documentation provides separate Partner Test and Live endpoints, with live access only after integration completion.checked 15 Oct 2026
- Collection API
- The debt-collection API is RESTful, exchanges JSON and exposes claim, transaction and document functionality.checked 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.checked 7 Oct 2026
- Customer support
- Riverty says its customer service team handles payment-related BNPL support, while its help page routes consumers by country.checked 7 Oct 2026
- Dispute handling
- Riverty says it pauses invoice reminders during disputes and provides automated dispute management for merchants.checked 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.checked 15 Oct 2026
- Flexible payments
- Consumers can bundle purchases, pause invoices, reschedule payments or choose installment amounts in the app.checked 15 Oct 2026
- Fraud prevention
- Merchant services include real-time risk scoring, machine-learning fraud models, account-takeover protection and stop-order requests.checked 15 Oct 2026
- Integrations
- Official integration documentation lists Magento, Shopify, WooCommerce, Shopware, PrestaShop, Lightspeed, JTL, OXID, Myshop and Divide.o.checked 15 Oct 2026
- Limit: collection charges
- Trustpilot complaints include collection fees added to relatively small balances after disputed or unclear payment communication.checked 15 Oct 2026
- Limit: workload
- Glassdoor reviewers mention periods of heavy workload and uneven onboarding experiences.checked 15 Oct 2026
- LinkedIn size
- LinkedIn lists Riverty as a public financial-services company headquartered in Baden-Baden with 5,001–10,000 employees.checked 15 Oct 2026
- Merchant analytics
- Merchant dashboards provide real-time views of payments, returns and customer activity.checked 15 Oct 2026
- Merchant checkout
- Its Buy Now, Pay Later offering supports merchants from checkout through post-purchase with flexible payment options.checked 7 Oct 2026
Where it runs
- App availability
- Riverty links users to download its app, and its site identifies App Store and Google Play as download destinations.checked 7 Oct 2026
- Consumer app
- The app brings invoices and payments together, supports reminders, returns, payment pauses and one-click payment.checked 15 Oct 2026
- Limit: app reliability
- Independent AppWereld reviews report blank screens, failed payments, missing orders, login problems and late fees during unresolved issues.checked 15 Oct 2026
The company
- Company history
- Riverty says its roots reach back to a Bertelsmann financial-services business founded in the 1960s.checked 15 Oct 2026
- Company scale
- Riverty's about page reports 4,000 experts in 12 countries and more than one billion transactions.checked 15 Oct 2026
- Founded
- 2022checked 28 Sep 2026
- Legal maker
- The website operator is Riverty Group GmbH, registered in Baden-Baden, Germany.checked 15 Oct 2026
- Maker ownership
- Bertelsmann describes Riverty as its fintech division and wholly owns the Arvato Group that contains it.checked 15 Oct 2026
