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Sequence flow (Payment API 2.0)

Ratepay Payment APIRatepay Auth APIMerchant BackendMerchant FrontendCustomerRatepay Payment APIRatepay Auth APIMerchant BackendMerchant FrontendCustomerRequired for risk and fraud scoringAll write operations are idempotent (authorize, capture, cancel, refund)opt[OTP requested by Ratepay]loop[Retry authorization max 3 attempts]alt[Hard risk decline][Soft decline]alt[Authorization approved][Authorization declined]Time passes - order processing and shipmentInvoice creation and customer communicationSupports partial captures and partial refundsOpen checkout1Render checkout and Ratepay payment options2Select Ratepay payment method3Device fingerprinting4Customer consent for terms and risk check5Click Buy now6Buyer basket payment and device data7OAuth2 token request8Bearer token9POST /transactions authorize10Authorization pending – OTP required11Request one-time passcode12Display OTP input13Enter OTP code14OTP code15POST /verify confirm (OTP)16OTP verification result17Approved or declined18Proceed with order19Show fallback payment methods20Adjust data21POST /transactions authorize22Approved or declined23Final decline after retries24POST /captures after shipment25Capture confirmed26Shipping information optional27POST /cancellation optional28Cancellation confirmation29POST /refunds optional30Refund confirmation31