PayBright vs. Ratio

PayBright is Canada’s leading solution for instant financing of e-commerce purchases. With PayBright, e-commerce merchants using SAP Commerce can offer instant financing as a new integrated payment method for Canadian customers.

Ratio is the Closing Motion Platform for B2B technology scale-ups. Most scale-ups treat close as a signature, then wait on cash through fragmented handoffs. Proposals sit with sales, payment terms bounce to finance, billing is configured somewhere else, and collections happen in yet another system. Every handoff adds delay, error, and revenue leakage. It gets worse when you bill monthly. You can win the deal and still collect the value over months. Ratio consolidates the fragmented close into one motion. Proposals. One link with terms, payment options, and checkout built in.