# 722: Declined - Credit risk

When Ratepay declines a payment for credit-risk reasons under CCD2, the response contains reason code 722 and a `<customer-message>` inside `<processing>`. This can happen in responses to both `PAYMENT_REQUEST` and `PAYMENT_QUERY`.

The message explains the decision. It can include links for exercising data-protection rights and for requesting a human review. Show the complete message as returned: not a generic decline text, and not a hard-coded copy of the example below.

We recommend that you limit the number of order attempts when receiving this reason code to 1 per 24 hours.

In case this reason code will be responded, you need to parse the `<customer-message>` within the response and show it in your checkout / interface as rejection text!
The language of this text will be defined via the [<language>](/docs/developer/api_integration/payment_1.8/payment_api_documentation/api_explorer/content/customer/language) parameter of the `PAYMENT_REQUEST`.

Refers to Result Code:

[401: Transaction result error](/docs/developer/api_integration/payment_1.8/payment_api_documentation/responses/result/401)