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Ratepay recommends to use the following test data.

The advantage of using the test environment is that…

  • Test orders are immediately recognized as tests
  • No Ratepay fees are incurred and charged
  • No dunning processes are triggered
  • Alleged test buyers do not receive unwanted orders or even deliveries
  • The right contact person can be identified quickly and easily

This test data can only be used on the test environment!

Data for testing Acceptance and Rejecting

Payment API 1.8

To provoke certain test cases, please always specify the <city> of Testhausen.

First nameLast nameStreet containsReason Code
*ABLEHNUNG*703
*HAENDLERLIMIT*701
*TECHERROR*1000
*DOB*2003
*RECHNUNGSADRESSE*2100
*LIEFERADRESSE*2101
*IBAN*2111
*BANKDATEN*2110
**NICHT VERSENDEN700
BUYERABLEHNUNG*730
PAYMENTABLEHNUNG*720
RISKABLEHNUNG*721

*: You can freely select a technically valid first name, last name or street.

Payment API 2.0

To provoke certain test cases, please specify the following email-address in the Authorization request.

EmailTest case
buyer_identity@ratepay.comDecline: 422 - Buyer Identity
payment_attribute@ratepay.comDecline: 422 - Payment Attribute
risk_decision@ratepay.comDecline: 422 - Risk Decision
transaction_risk@ratepay.comDecline: 422 - Transaction Risk
otp_required@ratepay.comOTP flow: Documentation

Data for testing Direct Debit and Instalment via Direct Debit

Germany

ParameterValue
BankBerliner Sparkasse
BICBELADEBEXXX
BLZ10050000
IBANDE44100500001654698497
Account No.1654698497

Austria

ParameterValue
BankCommerzbank
BICCOBAATWXXXX
BLZ19675
IBANAT811967500100915806
Account No.100915806

Netherlands

ParameterValue
BankABN AMRO Bank N.V.
BICABNANL2A
BLZABNA
IBANNL18ABNA0484869868
Account No.484869868

One Time Passcode

To invoke One Time Passcode (OTP) test cases, specify the email address otp_required@ratepay.com in the Authorization request. There are two testing approaches available:

  1. Use the fixed code "99999" to mock OTPs and bypass actual code delivery for quick testing.

  2. Test with real German mobile phone numbers for end-to-end verification.
    - Include the special header X-2FA-Live with the value true for all API endpoints involved in the OTP flow (authorization endpoint, OTP verify, and OTP regenerate endpoints).