Ratepay Payment API Documentation

Open invoice, installments, direct debit and prepayment - Ratepay is your partner for easy and secure payments!

We are experts in individual payment solutions!
We handle the entire payment process and carry the risk for payment default. Our products with immediate online approval include installment payment, open invoice, direct debit and payment in advance.
Hello World!
If you are not familiar with our Payment API, we recommend to start with our Introduction.
Introduction
/intro
Quick Links
For those who don't like to use the Search field, here some links related to FAQ.
Gateway URL
Ratepay Gateway URLs
/intro/gateway-urls
Sequence Flows
How to Integrate Ratepay
/how-to-integrate-ratepay
XSD Files
XML schema files (XSDs)
/appendices/xml-schema-files-xsds
SDK
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API: PHP SDK
Version History
Version
Date
Changes
1.8.12
September 2020
Updated XML schema files (XSDs)
1.8.11
May 2019
Added XML examples for Payment Initialization, Payment Query, Payment Request, Payment Confirmation, Confirmation Deliver, Payment Change, Configuration Request and Calculation Request​
1.8.10
February 2019
Published online @ ratepay.gitbook.io/payment-api​
Registry Address for companies is no longer supported
Editorial changes
1.8.9
December 2018
Added <shop-id> for partners
1.8.8
October 2018
​payment-firstday> now supports Installments with direct debit
1.8.7
August 2018
Added new Reason Codes
1.8.6
March 2018
​PAYMENT_CONFIRM is now optional
​Company types: Added mandatory and optional fields
1.8.5
March 2018
Editorial Changes
Small changes in 7.1.2 List of Reason Codes and corresponding Result Codes
Added 7.1.3 Calculation Request: Reason Codes and Description
1.8.4
October 2017
Editorial Changes
1.8.3
August 2017
Added language of the customer​
Included Customer Language Appendix 4
1.8.2
June 2016
Korrektur der Erklärung zum Feld reference-id im External Block.
1.8.1
February 2016
Editorial changes
1.8
November 2015
Introducing API 1.8 logic
Added calculation-start to CALCULATION_REQUEST request parameters
Added special items shipping and discount​
Added item attribute discount​
Added reference-id and api-version​
1.7.5.1
October 2015
Added Tracking-ID list​
new B2B parameters
1.7.5
June 2015
Added note about the new feature “Extended Response”
Added section about sending special characters
Removed IS-ALIVE-TEST
<customer> and <payment> parameters are optional for all PAYMENT_CHANGE subtypes
<device-site> is not needed anymore (deprecated)
​<customer-device> now is mandatory for PAYMENT_REQUEST and PAYMENT_QUERY
[email protected] not mandatory anymore
1.7.1
August 2018
Removed deprecated and backward elements
1.7
April 2014
Simplified Payment Change sub-types
Removed deprecated device fingerprinting elements and added new elements
Set Payment Query response parameters limits and classification to deprecated
Enhanced RatePAY responses
1.6.3.2
July 2013
Updated referenced documents
1.6.3
June 2013
Revised Shopping basket item – split the old and new way of handling the shopping basket and added explanation
1.6.2
March 2013
Reworked chapter about Payment Changes and added further explanation to the XML examples

Introduction

Last updated 4 months ago

Version	Date	Changes
1.8.12	September 2020	Updated XML schema files (XSDs)
1.8.11	May 2019	Added XML examples for Payment Initialization, Payment Query, Payment Request, Payment Confirmation, Confirmation Deliver, Payment Change, Configuration Request and Calculation Request
1.8.10	February 2019	Published online @ ratepay.gitbook.io/payment-api Registry Address for companies is no longer supported Editorial changes
1.8.9	December 2018	Added `<shop-id>` for partners
1.8.8	October 2018	`payment-firstday>` now supports Installments with direct debit
1.8.7	August 2018	Added new Reason Codes
1.8.6	March 2018	PAYMENT_CONFIRM is now optional Company types: Added mandatory and optional fields
1.8.5	March 2018	Editorial Changes Small changes in 7.1.2 List of Reason Codes and corresponding Result Codes Added 7.1.3 Calculation Request: Reason Codes and Description
1.8.4	October 2017	Editorial Changes
1.8.3	August 2017	Added language of the customer Included Customer Language Appendix 4
1.8.2	June 2016	Korrektur der Erklärung zum Feld `reference-id` im External Block.
1.8.1	February 2016	Editorial changes
1.8	November 2015	Introducing API 1.8 logic Added calculation-start to CALCULATION_REQUEST request parameters Added special items `shipping` and `discount` Added item attribute `discount` Added `reference-id` and `api-version`
1.7.5.1	October 2015	Added Tracking-ID list new B2B parameters
1.7.5	June 2015	Added note about the new feature “Extended Response” Added section about sending special characters Removed IS-ALIVE-TEST `<customer>` and `<payment>` parameters are optional for all PAYMENT_CHANGE subtypes `<device-site>` is not needed anymore (deprecated) `<customer-device>` now is mandatory for PAYMENT_REQUEST and PAYMENT_QUERY `[email protected]` not mandatory anymore
1.7.1	August 2018	Removed deprecated and backward elements
1.7	April 2014	Simplified Payment Change sub-types Removed deprecated device fingerprinting elements and added new elements Set Payment Query response parameters limits and classification to deprecated Enhanced RatePAY responses
1.6.3.2	July 2013	Updated referenced documents
1.6.3	June 2013	Revised Shopping basket item – split the old and new way of handling the shopping basket and added explanation
1.6.2	March 2013	Reworked chapter about Payment Changes and added further explanation to the XML examples