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422 - Credit Risk

422 - Credit Risk

Description

When Ratepay declines a payment for credit-risk reasons under CCD2, the response will have the HTTP status code 422, with CREDIT_RISK as decline.category.

  • Use the returned decline.message for the buyer's language when present.
  • The text can contain named placeholders; match each placeholder to an entry in links by rel.
  • Render its supplied label and URL as a link in your frontend.

Note:

  • Its content differs by country and language.
  • Do not replace the full explanation with a generic decline text.
  • Other decline categories can have different response shapes.

We recommend that you limit the number of transaction attempts for this buyer when you receive this decline category to one per 24 hours.

Example

You can test the credit-decline informations by placing a B2C order using

  • credit_risk_data@ratepay.com or credit_risk_score@ratepay.com as email

when sending the Authorize transaction request on the integration environment.

{
  "_links": {
    "self": {
      "href": "https://api-integration.ratepay.com/transaction/management/v2/transactions/EXAMPLE_TRANSACTION_ID"
    }
  },
  "created": "2026-09-27T14:15:22Z",
  "decline": {
    "category": "CREDIT_RISK",
    "message": {
      "en": {
        "text": "Our partner Ratepay ran a credit check with SCHUFA Holding AG, using your name, address and, if provided, date of birth. The score came back at 5700, below what this transaction requires. To exercise your {data_protection_rights} or to request a human review of the decision, {contact_ratepay}.",
        "links": [
          {
            "rel": "data_protection_rights",
            "href": "https://www.ratepay.com/en/ratepay-data-privacy-statement",
            "label": "Data Protection Rights"
          },
          {
            "rel": "contact_ratepay",
            "href": "https://www.ratepay.com/en/shoppers/contact",
            "label": "Contact Ratepay"
          }
        ]
      }
    }
  },
  "ratepay_transaction_id": "EXAMPLE_TRANSACTION_ID",
  "result": "DECLINED"
}

Possible API Calls

  • Authorization
  • Incremental Authorization

Buyer Messages

  • Online shop: Show the message and links on the buyer's result screen. Keep another available payment method accessible.
  • MOTO: Show the message and links in the staff order-entry flow so the employee can communicate them and offer another method.
  • POS: Show them in the staff result so the employee can explain the decision and review options.
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