PayPal Pay Later vs. Ratio

PayPal Buy Now, Pay Later (BNPL) is an installment payment solution that lets merchants offer their customers the option to split purchases into smaller payments over time - while the merchant is paid, up front, in full, with no additional risk. It's included within PayPal Checkout with no additional integration and gives shoppers flexible ways to pay, including Pay in 4 (interest-free payments), Pay Monthly (longer-term financing), and other financing options varying by market.

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.