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Open invoice, instalments and direct debit - 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 instalment 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.


For those who don't like to use the Search field, here some links related to FAQ.

Gateway URL

Ratepay Gateway URLs

Sequence Flows

How to integrate Ratepay

XSD Files

XML schema files (XSD)


SDK

You won't start from scratch? Try the PHP SDK.

GitHub: Ratepay PHP SDK


GitHub

GitHub: Ratepay GmbH


Version History

VersionDateChanges
1.8.12September 2020- Updated XML schema files (XSDs)
1.8.11May 2019- Added XML examples for Payment Initialization, Payment Query, Payment Request, Payment Confirmation, Confirmation Deliver, Payment Change, Configuration Request and Calculation Request
1.8.10February 2019- Published documentation online
- Registry Address for companies is no longer supported
- Editorial changes
1.8.9December 2018- Added <shop-id> for partners
1.8.8October 2018- <payment-firstday> now supports Instalments with direct debit
1.8.7August 2018- Added new Reason Codes
1.8.6March 2018- Payment Confirm is now optional
- Company types: Added mandatory and optional fields
1.8.5March 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
1.8.4October 2017- Editorial changes
1.8.3August 2017- Added language of the customer
- Included Customer Language Appendix 4
1.8.2June 2016- Korrektur der Erklärung zum Feld reference-id im External Block
1.8.1February 2016- Editorial changes
1.8November 2015- Introducing API 1.8 logic
- Added calulcation-start to Calculation Request parameters
- Added special items shipping and discount
- Added item attribute discount
- Added reference-id and api-version
1.7.5.1October 2015- Added Tracking-ID list
- new B2B parameters
1.7.5June 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
- payment@currency not mandatory anymore
1.7.1August 2018- Removed deprecated and backward elements
1.7April 2014- Simplified Payment Changes sub-types
-Removed deprecated device fingerprinting elements and added new elements
- Set Payment Query response parameters limits and classification to deprecated
- Enhanced Ratepay responses
1.6.3.2July 2013- Updated referenced documents
1.6.3June 2013- Revised Shopping basket item - split the old and new way of handling the shopping basket and added explanation
1.6.2March 2013- Reworked chapter about Payment Changes and added further explanantion to the XML examples