{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars/payment_api_1_8_sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["admonition"]},"type":"markdown"},"seo":{"title":"722 - Declined - Credit risk","description":"The specifications of Ratepay's APIs for easy payment transactions.","siteUrl":"https://docs.ratepay.com","keywords":"Ratepay developer portal, Ratepay api portal, Ratepay api reference docs","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"722-declined---credit-risk","__idx":0},"children":["722: Declined - Credit risk"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When Ratepay declines a payment for credit-risk reasons under CCD2, the response contains reason code 722 and a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["<customer-message>"]}," inside ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["<processing>"]},". This can happen in responses to both ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PAYMENT_REQUEST"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PAYMENT_QUERY"]},"."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The message explains the decision. It can include links for exercising data-protection rights and for requesting a human review. Show the complete message as returned: not a generic decline text, and not a hard-coded copy of the example below."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["We recommend that you limit the number of order attempts when receiving this reason code to 1 per 24 hours."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["In case this reason code will be responded, you need to parse the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["<customer-message>"]}," within the response and show it in your checkout / interface as rejection text!"," ","The language of this text will be defined via the ",{"$$mdtype":"Tag","name":"a","attributes":{"href":"/docs/developer/api_integration/payment_1.8/payment_api_documentation/api_explorer/content/customer/language"},"children":["<language>"]}," parameter of the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PAYMENT_REQUEST"]},"."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Refers to Result Code:"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"a","attributes":{"href":"/docs/developer/api_integration/payment_1.8/payment_api_documentation/responses/result/401"},"children":["401: Transaction result error"]}]}]},"headings":[{"value":"722: Declined - Credit risk","id":"722-declined---credit-risk","depth":1}],"frontmatter":{"seo":{"title":"722 - Declined - Credit risk"}},"lastModified":"2026-10-16T16:25:14.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/docs/developer/api_integration/payment_1.8/payment_api_documentation/responses/reason/722","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}