Is BNPL oversaturated, or just misunderstood?

In this special In Check with Fintech episode recorded live at Money20/20 Europe, we sit down with Sabrina Flunkert, CEO at Ratepay, one of the sharpest minds in European payments.

After starting as CFO and stepping into the CEO role, Sabrina has helped Ratepay solidify its position as a white-label BNPL leader. While others chase scale through branding and consumer-facing apps, Ratepay stays laser-focused on merchant value, seamless integration, and responsible credit.

In this episode, Sabrina shares what it really takes to build a sustainable fintech that goes the distance.

We cover:

🔍 What most BNPL players get wrong about scale and profitability 🧩 Why white-label solutions create more value than branded ones 🧠 How to lead high-performing teams without micromanaging 📉 How consumer behaviour, default rates, and economic shifts are impacting BNPL ⚖️ Why being regulated matters more than ever for building trust 📊 How Ratepay uses risk scoring as a true competitive advantage 🚀 Why saying no to the wrong partnerships protects long-term growth 🧭 How Sabrina created a culture of ownership, trust, and strategic focus

Whether you’re building a fintech product, leading a team, or staying ahead of payments trends, this episode delivers clear, thoughtful insight without the noise.

Listen in for a candid take on leadership, regulation, and the future of BNPL 🎧

Chargebacks are costing merchants billions and most still don’t have a system built to win them back. In this episode of In Check with Fintech, host Rogier Rouppe van der Voort sits down with Roenen Ben-Ami, Co-Founder and Chief Risk Officer at Justt, to unpack the $180B friendly fraud problem, why first-party misuse is rising, and what it takes to recover revenue at scale without compromising customer experience.

Key topics covered: 💸 The $180B blindspot – Why most chargeback losses are preventable, and how merchants are leaving money on the table

🤖 Fighting fraud with dynamic arguments – How Justt tailors evidence responses at scale using automation

📉 Why 90% of chargebacks are mishandled – The operational gap most merchants haven’t solved

🧠 From true fraud to first-party misuse – What makes friendly fraud harder to detect, and why it’s growing fast

⚙️ Scaling without the headcount – How merchants are replacing 15-person chargeback teams with API-based recovery

📊 Regulation, risk, and recovery – How Visa and Mastercard’s changing rules are reshaping chargeback strategy

Roenen shares practical insights from his time at Simplex and Justt, along with lessons in co-founding, team building, and product innovation. Whether you’re a fintech operator, risk leader, or scaling merchant, this episode is a deep dive into the hidden costs and massive upside of getting chargebacks right.

Tune in now to learn how leading fintechs are reclaiming revenue and staying compliant in a changing fraud landscape. 🎧

Founding a fintech isn’t just about product-market fit, it’s about resilience, timing, and making brutal calls when the stakes are high.

In this episode of In Check with Fintech, host Rogier Rouppe van der Voort sits down with Thomas Vles, Founder of GoDutch, to unpack the emotional and strategic reality of startup life — from raising funding to walking away from a near-exit.

Key topics covered: 🧗 Startup Setbacks & Survival – Why Thomas compares founding a company to climbing a mountain, and what it takes to keep going when the summit keeps moving 💸 Funding Without VC – How GoDutch raised €500K+ from users, and why traditional VC wasn’t the right fit 📉 When the Deal Falls Through – The hard lesson Thomas learned after celebrating too early 🔁 Building Again After Burnout – How previous exits, near-failures, and becoming a parent changed his leadership style 🔍 Founder Vulnerability & Truth-Telling – Why we need more honesty in startup storytelling and what it unlocks for teams and investors

Thomas brings candid reflections from his journey building Poopy Cat, We Do I Do, and now GoDutch, including how he rebuilt after nearly losing everything. Whether you're a founder, operator, or investor, this episode is a reminder that growth is never a straight line and sometimes, the hardest climbs build the best entrepreneurs.

Tune in now for real stories from the frontlines of fintech. 🎧