# Direct API - CCD2 responsibilities

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⏱ 3 min
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👤 Merchant Onboarding Team (Marcel K.)
This page is for merchants integrated directly with Ratepay through **Payment API 1.8 or Payment API 2.0**.

For affected transactions, CCD2 responsibilities are shared between you and Ratepay. This page explains **who handles what**, which buyer experience options are available, and where to continue with the technical implementation.

Before you start
First, [check whether CCD2 applies to your business](/docs/legal/a_legal_requirements_for_the_integration/ccd2/do_i_need_to_take_action).

If CCD2 applies, continue with the responsibilities and implementation options below.

## Who does what?

Merchant
1. **Promotes BNPL compliantly**
2. **Presents payment methods neutrally**
3. **Informs Buyers about SECCI**
4. **Completes SECCI before payment submission**
5. **Links SECCI evidence to the transaction**
6. **Displays credit-decline messaging**


Ratepay
1. **Generates SECCI**
2. **Supports SECCI delivery**
3. **Provides SECCI evidence data**
4. **Performs creditworthiness assessment**
5. **Provides credit-decline messaging**
6. **Delivers Credit Contract Information**


## How the flow works

1. **Prepare the buyer journey**
Inform the buyer about SECCI and initiate the required SECCI flow.
2. **Ratepay provides the SECCI**
Ratepay generates the document and supports the selected delivery method.
3. **Submit the transaction**
Complete the SECCI flow and provide the required evidence/reference with the payment request.
4. **Ratepay completes the credit flow**
Ratepay performs the creditworthiness assessment and provides the applicable credit outcome and post-purchase Credit Contract Information.


## Online Shop buyer experience

Choose one of the two supported SECCI notice and delivery experience patterns. We **recommend automatic email** after selecting an affected Ratepay payment method for the lowest-friction buyer experience.

Recommended: Automatic SECCI email
SECCI is sent automatically to the buyer by email, as soon as an CCD2-affected Ratepay payment method has been selected. No extra step is added to the checkout.

> **Why we recommend it:**
Your checkout stays as short as it is today.


Explicit SECCI interaction
Before continuing with the checkout, the buyer downloads the SECCI or chooses to receive it by email. This adds a step to the checkout.

Buyer email not available
If the Buyer email address is not available before checkout, use the dedicated flow:

[View the email-unknown flow in the CCD2 Showcase](https://ccd2-showcase.ratepay.com/en/checkout?channel=online&ui=email-unknown)

## Other sales channels

The technical Direct API integration follows the same principles across supported sales channels. What changes is the buyer or staff experience.

MOTO flow
For MOTO purchases, a sales agent supports the buyer through the journey while the buyer still needs to receive the applicable SECCI before the payment flow is completed.

In-store flow
For in-store purchases, staff guide the Buyer through the required SECCI flow before the transaction is completed.

## Continue with your API version

The CCD2 responsibilities are the same. Choose the technical guide that matches your current Ratepay integration.

Payment API 1.8 Guide
For merchants integrated with **Payment API 1.8**, follow the API-specific guide for the required CCD2 request, response and payment-flow changes.

Payment API 2.0 Guide
For merchants integrated with **Payment API 2.0**, follow the API-specific guide for the required CCD2 request, response and payment-flow changes.