Table of Contents

About Ratepay

General information about Ratepay

Page properties

Logo

Info

Excerpt
Ratepay offers payments solutions for purchases on invoice and hire purchases as well as direct debits with full processing and carries to complete risk of payments defaults.

Type

Payments by Invoice and Installments

Ratepay is a whitelabel online service provider which allows merchants to provide their customers secure and commonly used payment methods. Below are the payment methods that are supported by Ratepay:

Open Invoice - Open Invoice is a payment method that enables customers to purchase goods or services on credit and pay at a later date. With Open Invoice customers receive an invoice detailing the amount owed, payment terms, and due date.
When a customer selects Open Invoice during the checkout, Ratepay performs a real-time risk check. The advantage of using Open Invoice is that it can improve cash flow for both the buyer and merchants:
- For buyers: They can purchase goods or services without having to pay for them immediately, which can be beneficial for managing their finances.
- For merchants: With Ratepay you profit as a merchant from a full invoice purchase service. You pass on all the invoice data during the order to Ratepay, who takes over the complete billing and debtor management. As merchant you get a payment guarantee.
SEPA Direct Debit - Ratepay offers classical hire purchase and SEPA direct debit. SEPA Direct Debit is a payment method that allows merchants to collect payments from buyers directly from their bank account via their IBAN, who have granted them permission to do so.

Further information can be found on the webpage of Ratepay (https://www.ratepay.com/en/).

Process flow chart

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Ratepay process flow

Get Started

To start accepting Ratepay payment methods, first onboard with Ratepay.
Once onboarded below information should be provided to you by Ratepay:
1. Client ID: Username to connect to Ratepay's API
2. Client Secret: Password to connect to Ratepay's API
3. Partner Shop ID: The unique identifier assigned to you by Ratepay
Reach out to
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to enable Ratepay as a payment method and provide the above details securely.

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interface

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Initiate Ratepay payment

Once the customer proceeds to checkout you show a default list of Ratepay payment methods to pay. Once the customer proceeds to pay with Ratepay payment method, your backend need to make a server to server call to the following URL for making a payment request:

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MultiExcerptName	BaseURL
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ratepay.aspx

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MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

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Point (.)

order

0

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Table Excerpt Include

static	true
name	MerchantID
page	MerchantID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Table Excerpt Include

name
static	true

Amount

page
RefNr

Amount

refnr
type	page

Table Excerpt Include

name
static	true

Currency

page
Amount

Currency

Amount
type	page

Table Excerpt Include

name
static	true

ReqId-

Currency
page	Currency
type	page

Table Excerpt Include

static	true
name	ReqId-ans..32
page	ReqId
type	page

Key	Format	CND	Description

Beschreibung

OrderDesc

ans..768

O

Description of the goods purchased

Beschreibung der gekauften Waren

bdFirstName

ans..100

C

First name of the customer who is billed. For B2B transactions it should be the contact person in the company. Required for B2C. Optional for B2B.

Vorname des Kunden, dem die Rechnung ausgestellt wird.Bei B2B-Transaktionen sollte dies die Kontaktperson im Unternehmen sein.Erforderlich für B2C.Optional für B2B.

bdLastName

ans..100

C

Last name of the customer who is billed. For B2B transactions it should be the contact person in the company. Required for B2C. Optional for B2B.

Nachname des Kunden, dem die Rechnung ausgestellt wird.Bei B2B-Transaktionen sollte dies die Kontaktperson im Unternehmen sein.Erforderlich für B2C.Optional für B2B.

bdStreet

ans..100

bdStreetans..100

M

Street name of the billing address

Straßenname der Rechnungsadresse

bdStreetNr

ans..30

O

House number of the billing address

Hausnummer der Rechnungsadresse

bdStreetAddition

ans..50

O

Additional info of the billing address

Zusätzliche Informationen zur Rechnungsadresse

bdCity

ans..100

M

City of the billing address

Ort der Rechnungsadresse

bdCountryCode

ans..2

M

Country code of the billing address

Ländercode der Rechnungsadresse

bdZIP

ans..10

M

Postal code of the billing address

Postleitzahl der Rechnungsadresse


Title	ans..45	O	Title of the customer

Titel des Kunden

DateOfBirth

ans..10

C

Date of birth of customer in YYYY-MM-DD format. Required for B2C.

Geburtsdatum des Kunden im Format JJJJ-MM-TT.Erforderlich für B2C.

bdCompanyName

ans..100

C

Company Name. Required for B2B transactions

.Firmenname.Erforderlich für B2B-Transaktionen

.
VatID	ans..25	O	Company Vat ID. Relevant for B2B transactions.

Umsatzsteuer-Identifikationsnummer des Unternehmens.Relevant für B2B-Transaktionen.Phone

Email

ans..100

M

Email address of the customer

E-Mail-Adresse des Kunden

Phone

ans..60

M

Phone number of the customer

Telefonnummer des Kunden


Language	ans..2	O	The language in which the buyer prefers communication to be done. If the preferred language is not supported, the buyer communication will be in German. Must conform to ISO 639-1 alpha 2.

Die Sprache, in der der Käufer die Kommunikation bevorzugt.Wird die gewünschte Sprache nicht unterstützt, erfolgt die Kommunikation mit dem Käufer auf Deutsch.Muss ISO 639-1 alpha 2 entsprechen.

CustomerID

an..100

O

Unique customer ID from your system

Eindeutige Kunden-ID aus Ihrem System

sdFirstName

ans..100

C

First name of the shipping address. For B2B transactions it should be the contact person in the company

.Vorname in der Lieferadresse.Bei B2B-Geschäften sollte es der Ansprechpartner im Unternehmen sein

.
sdLastName	ans..100	C	Last name of the shipping address. For B2B transactions it should be the contact person in the company.

Nachname in der Lieferadresse.Bei B2B-Geschäften sollte es der Ansprechpartner im Unternehmen sein.sdCompanyNameans..100

sdCompanyName

ans..100

C

Company Name

Firmenname

sdStreet

ans..100

M

Street name of the shipping address

Straßenname der Lieferadresse

sdStreetHouseNumber

ans..30

O

House number of the shipping address

Hausnummer der Lieferadresse


sdStreetAddition	ans..50	O	Additional info of the shipping address

Zusätzliche Informationen zur Lieferadresse

sdCity

ans..100

M

City of the shipping address

Ort der Lieferadresse

sdCountryCode

ans..2

M

Country code of the shipping address

Ländercode der Lieferadresse


sdZIPCode	ans..10	M	Postal code of the shipping address

Postleitzahl der Lieferadresse

IPAddr

ans..39

O

IP Address of the customer's device

IP-Adresse des Kundengeräts

DeviceToken

ans..255

O

Device token

Geräte-Token

Channel

enum

O

The sales channel the transaction originates from: "WEBSHOP", "POINT_OF_SALE", "PHONE_OR_MAIL"

Der Vertriebskanal, aus dem die Transaktion stammt: „WEBSHOP“, „POINT_OF_SALE“, „PHONE_OR_MAIL“


BIC	ans..50	O	Bank Identifier Code

Bankleitzahlans..


IBAN	ans..34	C	International Bank Account Number. Mandatory when DebitPayType is SEPA_DIRECT_DEBIT.
AccOwner

Internationale Bankkontonummer.Obligatorisch, wenn DebitPayType SEPA_DIRECT_DEBIT ist.AccOwner

ans..100

C

Name of account holder. Mandatory when DebitPayType is SEPA_DIRECT_DEBIT.

Name des Kontoinhabers.Obligatorisch, wenn DebitPayType SEPA_DIRECT_DEBIT ist.

RPMethod

enum

M

The payment option the buyer selected: "OPEN_INVOICE", "PAY_NOW"

Die vom Käufer gewählte Zahlungsoption: „OPEN_INVOICE“, „PAY_NOW“

DebitPayType

enum

M

The transfer type the buyer selected: "BANK_TRANSFER", "SEPA_DIRECT_DEBIT

Die vom Käufer gewählte Überweisungsart: „BANK_TRANSFER“, „SEPA_DIRECT_DEBIT“

shoppingBasket

JSON

M

Shopping basket. For structure see Shopping Basket below.

Should

Has to be sent as Base64 encoded.

Warenkorb.Informationen zur Struktur finden Sie weiter unten bei Shopping Basket.Sollte Base64-kodiert gesendet werden.

Parameters for Ratepay payments

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table-

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dateFormat

Beschreibung

dd M yy
export-word	false

show-source

false

sparkName

Sparkline

hidePane

true

export-csv	false

datepattern

id

1645015599201_-

519776912
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m

isOR

AND

separator

.

Multiexcerpt

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Table Transformer

dateFormat

dd M yy

export-word

false

show-source

false

export-csv

false

id

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transpose

false

worklog

365|5|8|y w d h m|y w d h m

separator

.

export-pdf

false

order

0

export-pdf	false

sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	XID
page	XID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Table Excerpt Include

static	true
name	Status_OK_FAILED
page	Status
type	page

Key

Table Excerpt Include

static	true
name	RefNr
page	refnr
type	page

Key	Format	CND	Description

Beschreibung

AuthorizationExpiry

dttm

C

The date and time when remaining un-cancelled and un-captured authorized amount will be automatically cancelled. Timestamp with offset according to ISO 8601. Available only for successful responses HTTP 201.

Datum und Uhrzeit der automatischen Stornierung des verbleibenden, nicht stornierten und nicht gebuchten autorisierten Betrags.Zeitstempel mit Offset gemäß ISO 8601. Nur für erfolgreiche HTTP 201-Antworten verfügbar.

BankName

ans..127

C

Bank name of the bank account the customer has to transfer the money to. Provided only when DebitPayType is sent as BANK_TRANSFER in request.

Bankname des Bankkontos, auf das der Kunde das Geld überweisen muss.Wird nur bereitgestellt, wenn DebitPayType in der Anfrage als BANK_TRANSFER gesendet wird.BICans..50C


BIC	ans..50	C	BIC of

BIC of

the bank account the customer has to transfer the money to. Provided only when DebitPayType is sent as BANK_TRANSFER in request.

BIC des Bankkontos, auf das der Kunde das Geld überweisen muss.Wird nur bereitgestellt, wenn DebitPayType in der Anfrage als BANK_TRANSFER gesendet wird.

IBAN

ans..34

C

IBAN of the bank account the customer has to transfer the money to. Provided only when DebitPayType is sent as BANK_TRANSFER in request

.IBAN des Bankkontos, auf das der Kunde das Geld überweisen muss

.

Wird nur bereitgestellt, wenn DebitPayType in der Anfrage als BANK_TRANSFER gesendet wird.


AccOwner	ans..100	C	Account owner name of the bank account the customer has to transfer the money to. Provided only when DebitPayType is sent as BANK_TRANSFER in request.

Kontoinhaber des Bankkontos, auf das der Kunde das Geld überweisen muss.Wird nur bereitgestellt, wenn DebitPayType in der Anfrage als BANK_TRANSFER gesendet wird.RatepayPaymentReference

RatepayPaymentReference

ans..127

C

Purpose to be indicated in the bank transfer (generated by Ratepay). Provided only when DebitPayType is sent as BANK_TRANSFER in request.

Anzugebender Zweck in der Überweisung (von Ratepay generiert). Wird nur bereitgestellt, wenn DebitPayType in der Anfrage als BANK_TRANSFER gesendet wird.

ExternalDeclineCategory

ans..

C

Decline category. See Decline Categories for details

.Ablehungskategorie. Details finden Sie unter Decline Categories

.
ExternalMessage	ans..256	C	A message describing which constraint was violated

Eine Meldung, die beschreibt, welche Einschränkung verletzt wurde

ExternalCodes

ans..64

C

List of none, one or multiple reasons why the request was declined. See Decline Categories to learn about possible reasons for each decline category.

Liste mit keinem, einem oder mehreren Ablehnungsgründen für die Anfrage.Unter Decline Categories finden Sie Informationen zu möglichen Gründen für jede Ablehnungskategorie.RPTransID


RPTransID	ans..

ans..

50

M

ID of transaction generated by Ratepay during authorization. A transaction ID is generated for both accepted and declined transactions.

ID der von Ratepay während der Autorisierung generierten Transaktion.Sowohl für akzeptierte als auch für abgelehnte Transaktionen wird eine Transaktions-ID generiert.

Result parameters for Ratepay payments

as 10000.
items.quantity	n..	M	Ordered quantity of the item

. Pass this value up to 2 decimals. For example 15.55% should be sent as 15.55.
items.unit	ans..255	O	Arbitrary measurement unit of the item, e.g. kg, litre, pieces

. For a value of 100.00 pass 10000.
vats.taxRate	decimal	M	Tax rate given as percentage on the net amount

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Key

About Ratepay

General information about Ratepay

Process flow chart

Get Started

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface

Initiate Ratepay payment

Incremental Authorization

Capture a Ratepay payment

Cancel / return of Ratepay payments

Credit / refund Ratepay payment

ShoppingBasket parameter explained

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RPCaptureID	ans..50	M	ID of transaction generated by Ratepay for capture


RPRefundID	ans..50	M	ID of transaction generated by Ratepay for credit


items.unitPriceGross	n..10	M	Gross value of one item after taxes. For a value of €100.00 pass it

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Versions Compared

Old Version 6

New Version Current

Key

About Ratepay

General information about Ratepay

Process flow chart

Get Started

Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePlatform-KurzPageWithExcerptWording interface

Initiate Ratepay payment

Incremental Authorization

Capture a Ratepay payment

Cancel / return of Ratepay payments

Credit / refund Ratepay payment

ShoppingBasket parameter explained

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording
interface