# Payment Query ###### The Payment Query is an optional step in the workflow in which merchants can allow their customers to select the desired payment method dynamically. The Ratepay risk management system detects the appropriate payment methods for the given context and returns a list of the permitted Ratepay payment products. The used subtype influences the RMS in constructing the list of permitted products. This list can be empty if no Ratepay product is available for this customer. Please contact your Ratepay representative for **contractual terms for using this feature**. ## Request Parameters ### `` Section | Parameter | Condition | Enumeration | | --- | --- | --- | | `system-id` | Mandatory | | | `transaction-id` | Mandatory | | | `operation` | Mandatory | `PAYMENT_QUERY` | | `operation@subtype` | Mandatory | `full` | | `credential` | Mandatory | | | `customer-device` | Optional | | | `external` | Optional | | | `meta` | Optional | | ### `` Section The `` section of the **PAYMENT_QUERY request** contains customer and shopping basket data. | Parameter | Condition | Restriction | | --- | --- | --- | | `customer` | Mandatory | | | `shopping-basket` | Mandatory | Contains one or more `item` elements | ### XML Example ```xml myshop xx-xxxxxxxxxxxxxx PAYMENT_QUERY INTEGRATION_TE_DACH 4c0a11923fa3433fb168f9c7176429e9 12345 vip Max Mustermann Dr. M 1982-10-31 127.0.0.1 test@test.de 030123456
Nicht-Versenden-Straße 1 2 12345 Testhausen DE
DE yes Article 1 Article 2 ``` ## Response Parameters ### `` Section | Parameter | Condition | Enumeration | | --- | --- | --- | | `system-id` | Mandatory | | | `transaction-id` | Mandatory | | | `operation` | Mandatory | `PAYMENT_QUERY` | | `operation@subtype` | Mandatory | `full` | | `response-type` | Mandatory | - success:`PAYMENT_PERMISSION`- failure:`STATUS_ERROR` | | `external` | Optional | | | `processing` | Mandatory | | ### `` Section The `` section of the **PAYMENT_QUERY response** contains a list of allowed Ratepay products. | Parameter | Condition | Restriction | | --- | --- | --- | | `products` | Mandatory for:- response-type`PAYMENT_PRODUCTS`N/A for:- other response-types | Contains zero, one or more `product` elements. | ### XML Examples #### All allowed ```xml myshop xx-xxxxxxxxxxxxxx PAYMENT_QUERY PAYMENT_PRODUCTS 12345 vip 2012-04-30T12:27:39.234 Successfully Request successful Transaction result pending ``` #### None allowed ```xml myshop xx-xxxxxxxxxxxxxx PAYMENT_QUERY PAYMENT_PRODUCTS 12345 vip 2012-04-30T12:27:39.234 Successfully Request successful Transaction result pending ``` #### Tech error ```xml myshop xx-xxxxxxxxxxxxxx PAYMENT_QUERY STATUS_ERROR 12345 vip 2016-12-22T14:21:07.000 Error billing address not valid Processing failed ```