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Payment and Credit information

Demo Shop <demo-shop@ratepay.de>

to you · just now

Demo Shop

Dear Max Mustermann,

Thank you for your recent order with Demo Shop. You have chosen to pay by Invoice. Your invoice payment is processed by Ratepay, so please use the Ratepay bank details and payment reference provided below. You’ll also find an overview of your order and your full credit contract. You can also to download the credit contract as a PDF.

Details for the bank transfer

Please transfer 200.00 € by 01/10/2026 to the account listed below.

Due date

01/10/2026

Order number

ORD-2026-987654

Payment reference

BB0089346INV

Amount

200.00 €

Account holder

Ratepay GmbH

IBAN

DE00000000000000000000

Bank

Demo Bank AG

Important: Please make sure to include the payment reference BB0089346INV, otherwise we cannot allocate your payment.

Even easier to transfer with the QR code

1. Scan the QR code with your banking app or save it as a file to import.

2. Review and approve the pre-filled transfer.

3. Done. Simple and fast payment.

Everything about your payment — in one place.

In the customer portal you always stay on top of things: view your current payment status, order history, and get help with questions about your payment.

Delivery overview

Items in this delivery from Demo Shop. Shipping may occur in multiple packages. No item details available.

Total value of delivered items: 200.00 €

Order overview

All items from your order with Demo Shop. Shipping may occur in multiple deliveries.

Items ordered from seller: Demo Shop. Payment reference: BB0089346INV. Shipping may occur in multiple deliveries.

Premium Wireless Headphones

1 × 200.00 €

200.00 €

shipping costs

1 × 0.00 €

0.00 €

Amount from seller Demo Shop: 200.00 €

Total ordered amount: 200.00 €

Your right of withdrawal

You may withdraw from the credit agreement within 14 calendar days without giving any reason. The declaration of withdrawal must be sent to: Demo Shop GmbH, Musterstraße 1, 10115 Berlin, Germany; or by email to widerruf@demo-shop.de. If you have already received goods, you must return them for the withdrawal to be completed.

CREDIT AGREEMENT INFORMATION FOR PAYMENT BY INVOICE

This credit agreement information is provided to you after the credit agreement has been concluded, in accordance with §§ 491 ff. of the German Civil Code (BGB). Please read it carefully and keep a copy for your records.

Document ID: CC000123-01011970

Created on: 01 September 2026

0. Conclusion of the agreement, borrower and other contractual terms

0.1 Declaration on conclusion of the agreement	The creditor grants the borrower a payment deferral of 200.00 EUR. The payment deferral relates to the purchase price of the goods or services ordered.
0.2 Name and contact details of the borrower	Name: Max Mustermann Address: Musterstraße 12, 10115 Berlin, Germany Date of birth: 15 April 1990
0.3 Date of conclusion of the agreement	Agreement concluded on: 01 September 2026
0.4 Reference number	ORD-2026-987654
0.5 Declaration of intent	The credit agreement was concluded as part of the respective purchase process after you selected or confirmed payment by invoice, agreed to the applicable contractual terms and the creditor accepted the invoice purchase.
0.6 Default	In the event of late payment, reminder fees may apply in accordance with section 3.4. Collection costs may be asserted in accordance with statutory provisions. Chargeback costs may apply if a direct debit payment has been agreed and a chargeback is attributable to the borrower.
0.7 Communication	The borrower agrees to electronic communication in connection with this credit agreement.
0.8 Assignment	The creditor is entitled to assign claims arising from this credit agreement to third parties. After notice of an assignment, payments must be made to the payee or claim holder indicated in the notice.

1. Name and contact details of the creditor

1.1 Name of creditor	Demo Shop GmbH
1.2 Address of creditor	Musterstraße 1, 10115 Berlin, Germany

2. Description of the main features of the credit

2.1 Type of credit	Consumer credit
2.2 Total amount of credit (the ceiling or the total sums made available under the credit agreement)	200.00 EUR
2.3 Conditions governing the drawdown (how and when you will receive the money)	No sum of money will be paid out to you. The credit is drawn down by granting you a deferral of payment for the purchase price of the goods or services you have ordered. See also no. 2.7.
2.4 Duration of the credit agreement	The credit agreement runs from its conclusion until the full payment of the amount owed. Payment is due 30 calendar days after performance (e.g. shipment of the goods).
2.5 Instalments and, where appropriate, the order in which instalments will be allocated	You must make the following payment: one payment of 200.00 EUR, due 30 calendar days after shipment of the goods. In the event of late payment, fixed reminder and dunning fees may apply in accordance with section 3.4.
2.6 Total amount you will have to pay (the amount of the capital borrowed plus interest and any costs related to your credit)	200.00 EUR. This amount comprises the total credit amount of 200.00 EUR and the total cost of credit of 0.00 EUR.
2.7 The credit is granted in the form of deferred payment for goods or a service or is linked to the supply of specific goods or the provision of a service; description of the goods or service; cash price	Yes. The credit is granted in the form of a payment deferral for the goods or services you have ordered. The descriptions of the goods or services relevant to the credit can be found in the order information provided separately. Cash price: 200.00 EUR.

3. Costs of the credit

3.1 Borrowing rate or, where applicable, the different borrowing rates that apply to the credit agreement	0.00 % per year, fixed for the duration of the credit agreement.
3.2 Annual percentage rate of charge (APR) (the total costs expressed as an annual percentage of the total amount of credit. The APR helps you compare different offers.)	Annual percentage rate of charge: 0.00 % Borrowing rate per year: 0.00 % Cash price: 200.00 EUR Total cost of the credit: 0.00 EUR Total amount: 200.00 EUR
3.3 Is
- taking out credit insurance a mandatory condition for obtaining the credit at all or under the terms and conditions offered?	No
- the use of any other ancillary service related to the credit agreement a mandatory condition for obtaining the credit at all or under the terms and conditions offered?	No
3.4 Costs in the case of late payment	In the event of late payment, you will be charged a fee of 1.50 EUR for the first reminder and a fee of 1.50 EUR for the second reminder.

4. Other important legal aspects

4.1 Right of withdrawal: You have the right to withdraw from the credit agreement within 14 calendar days.	Yes
4.2 Early repayment: You have the right to repay the credit in whole or in part at any time before its due date.	Yes
4.3 Right to a draft credit agreement: You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor is unwilling, at the time of the request, to conclude a credit agreement with you.	Yes

5. Additional information in the case of distance marketing of financial services

5.1 Registration in the commercial register	Berlin-Charlottenburg, HRB 123456
5.2 Exercise of the right of withdrawal	You may withdraw from the credit agreement within 14 calendar days. The declaration of withdrawal must be sent to: Demo Shop GmbH, Musterstraße 1, 10115 Berlin, Germany, widerruf@demo-shop.de. If you do not withdraw from the credit agreement, it remains in force and must be performed in accordance with its terms.
5.3 Law on which the creditor bases the establishment of relations with you before the conclusion of the credit agreement	German law
5.4 Where applicable: clauses on the law applicable to the credit agreement and/or the competent court	§§ 491 ff. BGB, Germany
5.5 Choice of language	The information and contractual terms will be provided in English. With your consent, we will communicate with you in English during the term of the credit agreement.
5.6 Availability of out-of-court complaint and redress procedures and access to them	No

Legal notices

Why do I have to transfer to Ratepay?

The due purchase price claim from this order, including any ancillary claims, has been assigned to Ratepay GmbH. Ratepay GmbH is therefore the owner of the claim. Discharge of debt is only possible by payment to Ratepay GmbH. The Ratepay payment terms and Ratepay privacy policy apply, available at https://www.ratepay.com/legal/. Returns will be collected on behalf and for the account of Demo Shop.

Did you not place this order?

If you did not place this order, you are not obliged to pay. In that case, you are required to contact us and make the goods available for collection or return. Please contact our customer support at demo-shop@ratepay.de.

Do you have questions?

You can find answers to these and other questions in our Frequently Asked Questions page:

Why do I receive this payment information?

I haven't paid yet and want to return items. Do I still have to transfer the full amount?

I used a different payment reference. What should I do now?

Ratepay CCD2 Showcase

Height: 780px

Email Inbox

Payment and Credit information

Demo Shop <demo-shop@ratepay.de>

to you · just now

Demo Shop

Dear Max Mustermann,

Details for the bank transfer

Please transfer 200.00 € by 01/10/2026 to the account listed below.

Due date

01/10/2026

Order number

ORD-2026-987654

Payment reference

BB0089346INV

Amount

200.00 €

Account holder

Ratepay GmbH

IBAN

DE00000000000000000000

Bank

Demo Bank AG

Important: Please make sure to include the payment reference BB0089346INV, otherwise we cannot allocate your payment.

Even easier to transfer with the QR code

1. Scan the QR code with your banking app or save it as a file to import.

2. Review and approve the pre-filled transfer.

3. Done. Simple and fast payment.

Everything about your payment — in one place.

In the customer portal you always stay on top of things: view your current payment status, order history, and get help with questions about your payment.

Delivery overview

Items in this delivery from Demo Shop. Shipping may occur in multiple packages. No item details available.

Total value of delivered items: 200.00 €

Order overview

All items from your order with Demo Shop. Shipping may occur in multiple deliveries.

Items ordered from seller: Demo Shop. Payment reference: BB0089346INV. Shipping may occur in multiple deliveries.

Premium Wireless Headphones

1 × 200.00 €

200.00 €

shipping costs

1 × 0.00 €

0.00 €

Amount from seller Demo Shop: 200.00 €

Total ordered amount: 200.00 €

Your right of withdrawal

CREDIT AGREEMENT INFORMATION FOR PAYMENT BY INVOICE

Document ID: CC000123-01011970

Created on: 01 September 2026

0. Conclusion of the agreement, borrower and other contractual terms

0.1 Declaration on conclusion of the agreement	The creditor grants the borrower a payment deferral of 200.00 EUR. The payment deferral relates to the purchase price of the goods or services ordered.
0.2 Name and contact details of the borrower	Name: Max Mustermann Address: Musterstraße 12, 10115 Berlin, Germany Date of birth: 15 April 1990
0.3 Date of conclusion of the agreement	Agreement concluded on: 01 September 2026
0.4 Reference number	ORD-2026-987654
0.5 Declaration of intent	The credit agreement was concluded as part of the respective purchase process after you selected or confirmed payment by invoice, agreed to the applicable contractual terms and the creditor accepted the invoice purchase.
0.6 Default	In the event of late payment, reminder fees may apply in accordance with section 3.4. Collection costs may be asserted in accordance with statutory provisions. Chargeback costs may apply if a direct debit payment has been agreed and a chargeback is attributable to the borrower.
0.7 Communication	The borrower agrees to electronic communication in connection with this credit agreement.
0.8 Assignment	The creditor is entitled to assign claims arising from this credit agreement to third parties. After notice of an assignment, payments must be made to the payee or claim holder indicated in the notice.

1. Name and contact details of the creditor

1.1 Name of creditor	Demo Shop GmbH
1.2 Address of creditor	Musterstraße 1, 10115 Berlin, Germany

2. Description of the main features of the credit

2.1 Type of credit	Consumer credit
2.2 Total amount of credit (the ceiling or the total sums made available under the credit agreement)	200.00 EUR
2.3 Conditions governing the drawdown (how and when you will receive the money)	No sum of money will be paid out to you. The credit is drawn down by granting you a deferral of payment for the purchase price of the goods or services you have ordered. See also no. 2.7.
2.4 Duration of the credit agreement	The credit agreement runs from its conclusion until the full payment of the amount owed. Payment is due 30 calendar days after performance (e.g. shipment of the goods).
2.5 Instalments and, where appropriate, the order in which instalments will be allocated	You must make the following payment: one payment of 200.00 EUR, due 30 calendar days after shipment of the goods. In the event of late payment, fixed reminder and dunning fees may apply in accordance with section 3.4.
2.6 Total amount you will have to pay (the amount of the capital borrowed plus interest and any costs related to your credit)	200.00 EUR. This amount comprises the total credit amount of 200.00 EUR and the total cost of credit of 0.00 EUR.
2.7 The credit is granted in the form of deferred payment for goods or a service or is linked to the supply of specific goods or the provision of a service; description of the goods or service; cash price	Yes. The credit is granted in the form of a payment deferral for the goods or services you have ordered. The descriptions of the goods or services relevant to the credit can be found in the order information provided separately. Cash price: 200.00 EUR.

3. Costs of the credit

3.1 Borrowing rate or, where applicable, the different borrowing rates that apply to the credit agreement	0.00 % per year, fixed for the duration of the credit agreement.
3.2 Annual percentage rate of charge (APR) (the total costs expressed as an annual percentage of the total amount of credit. The APR helps you compare different offers.)	Annual percentage rate of charge: 0.00 % Borrowing rate per year: 0.00 % Cash price: 200.00 EUR Total cost of the credit: 0.00 EUR Total amount: 200.00 EUR
3.3 Is
- taking out credit insurance a mandatory condition for obtaining the credit at all or under the terms and conditions offered?	No
- the use of any other ancillary service related to the credit agreement a mandatory condition for obtaining the credit at all or under the terms and conditions offered?	No
3.4 Costs in the case of late payment	In the event of late payment, you will be charged a fee of 1.50 EUR for the first reminder and a fee of 1.50 EUR for the second reminder.

4. Other important legal aspects

4.1 Right of withdrawal: You have the right to withdraw from the credit agreement within 14 calendar days.	Yes
4.2 Early repayment: You have the right to repay the credit in whole or in part at any time before its due date.	Yes
4.3 Right to a draft credit agreement: You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor is unwilling, at the time of the request, to conclude a credit agreement with you.	Yes

5. Additional information in the case of distance marketing of financial services

5.1 Registration in the commercial register	Berlin-Charlottenburg, HRB 123456
5.2 Exercise of the right of withdrawal	You may withdraw from the credit agreement within 14 calendar days. The declaration of withdrawal must be sent to: Demo Shop GmbH, Musterstraße 1, 10115 Berlin, Germany, widerruf@demo-shop.de. If you do not withdraw from the credit agreement, it remains in force and must be performed in accordance with its terms.
5.3 Law on which the creditor bases the establishment of relations with you before the conclusion of the credit agreement	German law
5.4 Where applicable: clauses on the law applicable to the credit agreement and/or the competent court	§§ 491 ff. BGB, Germany
5.5 Choice of language	The information and contractual terms will be provided in English. With your consent, we will communicate with you in English during the term of the credit agreement.
5.6 Availability of out-of-court complaint and redress procedures and access to them	No

Legal notices

Why do I have to transfer to Ratepay?

Did you not place this order?

Do you have questions?

You can find answers to these and other questions in our Frequently Asked Questions page:

Why do I receive this payment information?

I haven't paid yet and want to return items. Do I still have to transfer the full amount?

I used a different payment reference. What should I do now?

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