# 422 - Buyer Data

## Description

Ratepay may decline transactions due to incorrect buyer data.

## Error Handling

The sender can correct the buyer's data (see table below) and submit a new request.

The buyer may contact the Ratepay customer service for more information.

| Reason | Data to be corrected | Description |
|  --- | --- | --- |
| INVALID_BILLING_ADDRESS | [billing_address](/apis/payment/openapi/payment_api/transaction-management/createtransaction#!path=buyer/billing_address&t=request) (city, country_code, street, street_number, zip_code) | The billing address seems to be invalid. We recommend using address validation services to reduce data entry errors.The buyer has to correct the respective data. Pick-up locations are not allowed as a billing address! |
| INVALID_BILLING_ADDRESS_ZIP_CODE | [billing_address](/apis/payment/openapi/payment_api/transaction-management/createtransaction#!path=buyer/billing_address&t=request) (country_code, zip_code) | ZIP code and country of billing address do not seem to match.For example, a German ZIP code must consist of exactly 5 digits without any spaces.The buyer has to correct the respective data. |
| INVALID_DELIVERY_ADDRESS | delivery [address](/apis/payment/openapi/payment_api/transaction-management/createtransaction#!path=delivery/address&t=request) (city, country_code, street, street_number, zip_code) | The delivery address seems to be invalid.We recommend using address validation services to reduce data entry errors.The buyer has to correct the respective data. |
| INVALID_DELIVERY_ADDRESS_ZIP_CODE | delivery [address](/apis/payment/openapi/payment_api/transaction-management/createtransaction#!path=delivery/address&t=request) (country_code, zip_code) | ZIP code and country of delivery address do not seem to match.For example, a German ZIP code must consist of exactly 5 digits without any spaces.The buyer has to correct the respective data. |
| INVALID_PERSON_DATA | [person](/apis/payment/openapi/payment_api/transaction-management/createtransaction#!path=buyer/person&t=request) (date_of_birth, first_name, last_name, title) | The data of the person seems to be invalid.The buyer has to correct the respective data. |
| INVALID_IBAN | [iban](/apis/payment/openapi/payment_api/transaction-management/createtransaction#!path=payment_details/debit_bank_account/iban&t=request) | IBAN is invalid or has an invalid checksum.IBAN must be given as specified in [ISO 13616:2020](https://en.wikipedia.org/wiki/International_Bank_Account_Number). |
| BUYER_PHONE_NUMBER_OUTSIDE_DE | phone number | OTP request from phone number of non-German country is declined |


## Example

The billing address does not exist.

## Possible API Calls

* Authorization


## Reasons

* INVALID_BILLING_ADDRESS
* INVALID_BILLING_ADDRESS_ZIP_CODE
* INVALID_DELIVERY_ADDRESS
* INVALID_DELIVERY_ADDRESS_ZIP_CODE
* INVALID_PERSON_DATA
* INVALID_IBAN
* BUYER_PHONE_NUMBER_OUTSIDE_DE


## Buyer Messages

| Language | Message |
|  --- | --- |
| de | Ihre Daten konnten nicht validiert werden. Bitte korrigieren Sie Ihre Daten und versuchen Sie es erneut. Weitere Informationen finden Sie in den Ratepay [Datenschutzbestimmungen](https://www.ratepay.com/legal-payment-dataprivacy/?lang=de) oder nutzen Sie das Ratepay [Kontaktformular](https://www.ratepay.com/kontakt/). |
| en | Your data could not be validated. Please correct your data and try again. You can find further information in the Ratepay [Data Privacy Statement](https://www.ratepay.com/en/ratepay-data-privacy-statement/) or use the Ratepay [contact form](https://www.ratepay.com/en/contact/). |
| fr | Vos informations n'ont pas pu être validée. Veuillez corriger vos informations et réessayer. Vous pouvez trouver plus d'informations dans la [Déclaration de confidentialité des données](https://www.ratepay.com/en/ratepay-data-privacy-statement/) de Ratepay ou utiliser le [formulaire de contact](https://www.ratepay.com/en/contact/) de Ratepay. |
| nl | Uw gegevens konden niet worden gevalideerd. Corrigeer uw gegevens en probeer het opnieuw. Meer informatie vindt u in de Ratepay [Data Privacyverklaring](https://www.ratepay.com/en/ratepay-data-privacy-statement/) of gebruik het Ratepay [contactformulier](https://www.ratepay.com/en/contact/). |