In the case of a negative gateway response with
Reason Code 703: Request not succesful,
Reason Code 720: Declined - Payment attribute,
Reason Code 721: Declined - Transaction risk,
Reason Code 730: Declined - Buyer identity
the merchant should display a message to the customer explaining the cause of the rejection.
For several responses, the Ratepay gateway submits a <customer-message> that can be shown to the customer.
The language of this message depends on
customer/language
address@type="BILLING"/country-code
shop-language
Check our API Responses for more detailed information on customer messages.