With payment by invoice you can reduce the number of uncompleted orders in your online shop by up to 81%. This increases your turnover and your sales. Therefore allows purchase on account in several European countries with payment guarantee. Rate payment at the online shop motivates your customers to order high value baskets. This also increases your turnover. Therefore offers guaranteed hire purchase within several European countries.
With Ratepay you profit as a merchant from a full invoice and hire purchase service. Therefore you pass on all the invoice data during the order to the service provider. That than takes over the complete billing and debtor management. As merchant you get a payment guarantee. Furthermore Ratepay offers classical hire purchase and SEPA direct debit.
Ratepay guarantees an online consent in seconds for purchases by instalment during the order process. A PostIdent-process is not necessary. Ratepay transfers the invoice amount rapidly to the merchant and bears the non-payment risk themselves.
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Further information can be found on the webpage of Ratepay (http://www.ratepay.com).
Ratepay process flow
A payment with Ratepay consists of several transaction steps. At the start an initialisation is necessary, which returns the permissible methods of payment for the customer: purchase on invoice, hire purchase or direct debit. If the customer wants hire purchase the instalment calculator must be displayed. The payment is subsequently created, confirmed, changed if needed and finally captured. Credits are also possible.
Ratepay has 5 different requests which must be carried out in the payment process depending on the situation and progress. converts these requests into the corresponding Ratepay requests. In this case the following mapping applies:
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In order to initialise a Ratepay payment via server-to-server communication, please use the following URL:
ratepay.aspx |
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Parameters for Ratepay payments
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Result parameters for Ratepay payments
The Ratepay instalment calculator (control surface implemented by the merchant) must be displayed if the end customer is expected to make a purchase by instalment. In this case the instalments are calculated on the basis of the amount + e.g. the duration (or the duration is calculated based on the instalments).
Use the following URL to display the Ratepay instalment calculator:
ratepay.aspx |
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Parameters for Ratepay instalment calculator
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Result parameters for Ratepay instalment calculator
Although the configuration of the instalment calculator is firmly specified by Ratepay, it may be helpful to query this configuration before further processing in order to avoid subsequent errors. Use the following URL to do this:
ratepay.aspx |
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Parameters for querying the configuration of the Ratepay instalment calculator
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Response parameters of the configuration query of the Ratepay instalment calculator
In order to create a payment transaction with Ratepay, please use the following URL:
ratepay.aspx |
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Parameters for the creation of a Ratepay payment
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Response parameters for the creation of a Ratepay payment
In order to conform a payment transaction with Ratepay, please use the following URL:
ratepay.aspx |
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Parameters for confirming a Ratepay payment
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Response parameters for confirmung a Ratepay payment
In order to capture a payment transaction with Ratepay, please use the following URL:
capture.aspx |
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Parameters for capture of a Ratepay payment
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Response parameters for capturing a Ratepay payment
In order to cancel a Ratepay payment partial or in full or the make changes on a payment, please use the following URL:
ratepay.aspx |
Notice: There are constraints for the different actions (event tokens) regarding when actions can be carried out. Before the capture only the following are allowed: FC (full cancellation), PC (partial cancellation), CO (change order). Only after the capture are allowed FR (full return) and PR (partial return).
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Parameters for cancellation / change of a Ratepay payment
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Response parameters for cancellation / change of a Ratepay payment
In order to credit a payment transaction with Ratepay, please use the following URL:
ratepay.aspx |
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Parameters for crediting a Ratepay payment
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Response parameters for crediting a Ratepay payment
The ShoppingBasket parameter describes the affected transaction items and is comprised of various parameters. The individual parameters within a shopping cart are separated with a “;”. Only enter the values and not the associated parameter name. Unused optional parameters must be transferred as an empty field. Each further item is separated from the last with a “+”. For an example see table below.
The following table describes the individual values within the ShoppingBasket:
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Parameters within the shopping basket
Example of a shopping basket with 3 articles:
ShoppingBasket=A;1;1;bed;10000;1900;01233;1000;blue+B;2;1;towel;3000;1900;0234;;180x200+C;5;1;pillow;1000;1900;;;
This section describes the parameters which must be transferred within the data set (Record) for executing a Ratepay capture or change and which information can be found within the response file about the payment status.
For Batch calls there must be considered batch versions, from which optional parameters depend. All version designations starting with „2.“ pertain calls for a group of enterprises. That means within a batch file for a particular MerchantID can be transferred transactions for other merchants with a separate Sub-MID.
Following table gives an overview of all batch versions that are possible for a specific action an their specialities:
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Description of the possible batch versions
The structure for a capture or credit within a Batch file to be submitted is the following:
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Example for Master MID function:
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Description of fields within the record for Batch files
The record area within the response file for Batch transactions looks the following way:
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Description of result parameters within the record for Batch files