API Responses

Each Ratepay Payment API response contains at least three items of processing information: Status, Result and Reason. Merchants should log this status information for each single Ratepay operation.

The status code indicates if the gateway was technically able to process the operation or not.

The result code is a three-digit number that specifies the result of the processed operation, e.g. "success" or "failure".

The reason code is a number containing more-detailed information on why the transaction was successful or failed, e. g. “Request successful” or “Authentication failed”.

Tip: The "code hierarchy" is as follows: Status Code > Result Code > Reason Code. Explanation: Reason Codes are grouped into Result Codes and Result Codes occur into Status Codes.

Most gateway responses containing a customer message that can be shown to the customer. This will help the customer correcting invalid data and result into a higher conversion rate. The language of this message depends on the customer-language (if submitted), the shop-language (if submitted) or the country code of the billing address.


<status code="OK">Successfully</status>
<reason code="700">Request successful</reason>
<result code="402">Transaction result pending</result>
<customer-message>The verification was successful. Thank you for choosing open invoice as your preferred method of payment.</customer-message>

In the example above you see:

<status code="OK">

<result code="402">

<reason code="700">

Version History





January 2021

Added a Quick Start Guide and made some editorial changes


Added reason code for Remember IBAN feature

262: Merchant consumer id and payment method 'ELV' are mandatory for using stored bank account information


Added reason codes for marketplaces

260: Shop-id in external block is mandatory for this product 260: Request must not contain shop-id

261: All items must contain a shop-id

261: All items must not contain a shop-id


April 2020

Expanded possible reason codes by 720: Declined - Payment attribute 721: Declined - Transaction risk

730: Declined - Buyer identity

Changes to the customer message of reason code 703: Request not successful

Details are provided in the Change summary.


January 2020

Initial release on GitBook