Ratepay Payment API
Ratepay Auth API
Merchant Backend
Merchant Frontend
Customer
Ratepay Payment API
Ratepay Auth API
Merchant Backend
Merchant Frontend
Customer
Required for risk and fraud scoring
All write operations are idempotent (authorize, capture, cancel, refund)
opt
[OTP requested by Ratepay]
loop
[Retry authorization max 3 attempts]
alt
[Hard risk decline]
[Soft decline]
alt
[Authorization approved]
[Authorization declined]
Time passes - order processing and shipment
Invoice creation and customer communication
Supports partial captures, cancels, refunds
Open checkout
1
Render checkout and Ratepay payment options
2
Select Ratepay payment method
3
Device fingerprinting
4
Customer consent for terms and risk check
5
Click Buy now
6
Buyer basket payment and device data
7
OAuth token request
8
Bearer token
9
POST /transactions authorize
10
Authorization pending [OTP required]
11
Request one-time passcode
12
Display OTP input
13
Enter OTP code
14
OTP code
15
POST /verify confirm (OTP)
16
OTP verification result
17
Approved or declined
18
Proceed with order
19
Show fallback payment methods
20
Adjust data
21
POST /transactions authorize
22
Approved or declined
23
Final decline after retries
24
POST /captures after shipment
25
Capture confirmed
26
Shipping information optional
27
POST /cancellation optional
28
Cancellation confirmation
29
POST /refunds optional
30
Refund confirmation
31