# Ratepay via Adyen - Merchant Guide

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⏱ 5 min
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👤 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

- Ratepay Overview & Supported Regions:
[docs.adyen.com – Ratepay](https://docs.adyen.com/payment-methods/ratepay)
- API-Only Integration:
[docs.adyen.com – API Only](https://docs.adyen.com/payment-methods/ratepay/api-only)
- Web Components Integration:
[docs.adyen.com – Web Component](https://docs.adyen.com/payment-methods/ratepay/web-component)
- Drop-in Integration:
[docs.adyen.com – Drop-in](https://docs.adyen.com/payment-methods/ratepay/web-drop-in)


## What is Adyen?

[Adyen](https://www.adyen.com/de_DE) 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](https://ca-live.adyen.com/ca/ca/overview/default.shtml)


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 Type | Description |
|  --- | --- |
| API-Only | Build your own checkout form and call Adyen endpoints directly. |
| Drop-in UI | Prebuilt Adyen checkout interface including Ratepay. |
| Web Components | Use 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](https://docs.adyen.com/payment-methods/ratepay/api-only)

### Device Fingerprinting

Device fingerprinting is **mandatory**:

- Generate and collect during checkout
- Include in the Adyen payment request
- Follow Ratepay guide: [Device Fingerprinting Documentation](https://docs.ratepay.com/docs/developer/device_fingerprinting/device_fingerprinting)


Incorrect implementation may lead to declined payments.
[See also Adyen API guide](https://docs.adyen.com/payment-methods/ratepay/api-only)


```json
{
  "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](https://docs.adyen.com/payment-methods/ratepay/api-only).

## 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**


```json
paymentResult_additionalData_refusalReasonRaw => 2100 : billing address not valid (150)
```

- `2100` → Ratepay internal error code
- `billing address not valid` → description
- `150` → Ratepay result code


References:

- [Adyen Payment Result Codes](https://docs.adyen.com/online-payments/build-your-integration/payment-result-codes)
- [Ratepay API Responses](https://docs.ratepay.com/docs/developer/api_integration/payment_1.8/payment_api_documentation/responses/api_responses)


## Regional Support

For supported countries and currencies please see: [Availabilities through Adyen](https://docs.adyen.com/payment-methods/ratepay)

## Go-Live Checklist

Use the official Ratepay **[Go-Live Checklist](https://docs.ratepay.com/docs/developer/psps_and_marketplaces/adyen/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`.