Instalment plan and credit contract information
Demo Shop <demo-shop@ratepay.de>
to you · just now
Dear Max Mustermann,
Thank you for your recent order with Demo Shop. You have chosen to pay in instalments by direct debit. Ratepay will automatically collect your instalments from your bank account on the due dates shown 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.
Your chosen payment method: Instalment payment by direct debit
We will collect the first instalment by direct debit in the amount of €66.67 on 02/10/2026. All subsequent instalments will be collected on the same day of each following month. This SEPA direct debit, with mandate reference KD4035961A2 and creditor identifier DE39RPY00000568463, will be debited from the account with IBAN DEXXXXXXXXXXXXXXX7999. Please note that the amount of your instalment may change before the collection date, e.g. due to returns, credits or advance payments.
The due purchase price claim from your 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 to Ratepay GmbH stating the payment reference BB0089346P3. The Ratepay payment terms and Ratepay privacy policy apply: www.ratepay.com/legal
Instalment plan over 3 months
In your personal instalment plan you can see the due dates of each partial payment and the remaining balance after each payment:
| No. | Due date | Principal | Interest | Closing fee | Instalment | Remaining balance |
|---|---|---|---|---|---|---|
| 1 | 02/10/2026 | €66.67 | €0.00 | €0.00 | €66.67 | €133.33 |
| 2 | 02/11/2026 | €66.67 | €0.00 | €0.00 | €66.67 | €66.66 |
| 3 | 02/12/2026 | €66.66 | €0.00 | €0.00 | €66.66 | €0.00 |
| Total: | €200.00 | €0.00 | €0.00 | €200.00 |
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: BB0089346P3. 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.
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.
| 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. |
| 1.1 Name of creditor | Demo Shop GmbH |
|---|---|
| 1.2 Address of creditor | Musterstraße 1, 10115 Berlin, Germany |
| 2.1 Type of credit | Instalment transaction (§§ 506 (3), 507 BGB) |
|---|---|
| 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. The amount owed is payable in 3 monthly instalments. 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. Repayment is made in 3 monthly instalments in accordance with the payment schedule described in no. 2.5. |
| 2.5 Instalments and, where appropriate, the order in which instalments will be allocated | You must make 3 monthly instalments. The regular instalment is 66.67 EUR. The final instalment is 66.66 EUR. The first instalment is due on the 15th of the month following performance, provided that at least 28 calendar days lie between performance (for example, shipment of the goods) and that due date. If fewer than 28 calendar days lie between them, the first instalment is due on the 15th of the following month. The further instalments are due monthly on the 15th of the following calendar months. 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. |
| 3.1 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. |
| 4.1 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 |
| 5.1 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?
More questions?
Questions about the order, cancellations, returns or product quality
E-Mail: info@demo-shop.de Phone: +49 30 00000000 Mon–Fri: 08:30 – 18:00 Order number: ORD-2026-987654
Questions about payment, payment deadlines or this email
E-Mail: demo-shop@ratepay.de Phone: +49 30 00000000 Mon–Fri: 08:00 – 19:00 Our reference: BB0089346P3
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Ratepay GmbH | Ritterstr. 12–14 | 10969 Berlin Amtsgericht Berlin Charlottenburg | HRB 124156 B | USt-IdNr. DE270098222 Management: Sabrina Flunkert-Glinzer | Denny Axt | Sidharth Chugh Supervisory authority: Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
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