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Ratepay via Adyen - Merchant Guide

⏱ 5 min
👤 Partner Onboarding Team (Steffen G.)
This guide explains how you can accept Ratepay payments via Adyen. All links point to official documentation, ensuring the page stays up to date.

Official References

What is Adyen?

Adyen is a global payment platform that provides processing, risk management, and acquiring services for online and in-store payments.

When integrating Ratepay via Adyen:

  • Adyen acts as the payment service provider (PSP)
  • All communication with Ratepay and risk evaluation is handled through Adyen
  • you manage payments and transactions via the Adyen Customer Area

All implementation details and updates are maintained by Adyen in their official documentation.

Integration Options

You can enable Ratepay via Adyen using one of the following models:

Integration TypeDescription
API-OnlyBuild your own checkout form and call Adyen endpoints directly.
Drop-in UIPrebuilt Adyen checkout interface including Ratepay.
Web ComponentsUse Adyen’s frontend components for secure data collection.

Key Requirements

Buyer data

Ratepay requires the following data:

  • First & last name
  • Date of birth
  • Email
  • Phone number
  • Billing address
  • Delivery address (if different from billing)

Missing data may result in declined payments. See also Adyen API guide

Device Fingerprinting

Device fingerprinting is mandatory:

Incorrect implementation may lead to declined payments. See also Adyen API guide

{
  "paymentMethod": { "type": "ratepay" },
  "deviceFingerprint": "<generated_fingerprint>",
  "shopperEmail": "shopper@example.com",
  "billingAddress": { ... },
  "deliveryAddress": { ... }
}

Payment Flow (High Level)

  1. Retrieve payment methods /paymentMethods → ratepay / ratepay_directdebit
  2. Display Ratepay in checkout (based on chosen UI)
  3. Send payment request /payments including buyer info & device fingerprint
  4. Process response:
  • Authorised → proceed
  • Refused → alternative payment option
  • Cancelled → buyer cancelled
  1. Capture after shipment
  2. Refunds / cancellations

For detailed API specs, see Adyen API guide.

Rejection Handling

When Ratepay declines a payment:

  • Adyen event: Refused
  • Contains RefusalReasonRaw with Ratepay-specific codes

Note: Activate the optional response field to receive Ratepay-specific codes: BackOffice Settings → API Responses → activate

paymentResult_additionalData_refusalReasonRaw => 2100 : billing address not valid (150)
  • 2100 → Ratepay internal error code
  • billing address not valid → description
  • 150 → Ratepay result code

References:

Regional Support

For supported countries and currencies please see: Availabilities through Adyen

Go-Live Checklist

Use the official Ratepay Go-Live Checklist.

Steps include:

  1. Ratepay enabled in Adyen (test & live)
  2. Buyer data correctly collected
  3. Device fingerprint implemented
  4. Payment methods correctly displayed
  5. Payment request & capture flows verified
  6. Result codes handled (Authorised, Refused, Cancelled)
  7. Refunds & cancellations tested
  8. Regional settings verified

Ensures all technical and compliance requirements are met before live operations.

Summary

  • No direct Ratepay integration needed — use Adyen.
  • Adyen manages risk checks, authorisation, and communication with Ratepay.
  • Handle refusals via RefusalReasonRaw.
 
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