Rateo Support   

Rateo - BNPL Tracker helps you keep track of your installment payment plans across different providers, credit cards, and bank accounts — all in one place, on your device.

Need help or have a question?
Email us at info@rateobnpl.com and we'll get back to you as soon as possible.

You can also use Report a problem directly inside the app (Settings → Report a problem) to send us details and screenshots automatically.

Frequently asked questions

Does Rateo pay my installments for me?
No. Rateo only tracks the plans you enter — it never processes payments or connects to your bank or provider accounts.

Where is my data stored? What happens if I change phones?
Everything is stored locally on your device, with no account and no server. If you get a new phone, use the export/backup feature (PRO) before switching, then import it on the new device.

My BNPL provider isn't in the list — what do I do?
You can still add the plan and label it manually; the provider list is just a descriptive tag you choose, not a live connection.

I have more than 3 active plans and I'm on the Free plan — why?
The Free plan limit counts only currently active plans. Completed or deleted plans don't count toward it.

Why don't I get a reminder on the due date itself?
Reminders are sent in advance (24–48h before) so you have time to act — not on the day the payment is due.

I upgraded to PRO but it's not showing after reinstalling — what do I do?
Use Restore Purchases in Settings to recover your PRO status linked to your Apple ID / Google account.

Notifications arrive late or not at all.
Make sure Rateo is allowed to run in the background and excluded from battery optimization in your phone's settings, so scheduled reminders aren't delayed by the system.