REST API Ratepay

Ratepay is a white-label payment solution that allows merchants to offer secure, flexible and popular payment methods without exposing third-party brands to their customers. It enables customers to pay via well-known local methods such as Open Invoice and SEPA Direct Debit, while Ratepay handles all risk assessment and debtor management behind the scenes.

Supported payment methods

• Open invoice: Customers receive an invoice after placing their order and can pay later within the payment term.

• SEPA Direct debit: Funds are collected directly from the customer’s bank account with their prior authorization.

Ratepay performs real-time risk checks during checkout. Merchants benefit from guaranteed payouts while Ratepay assumes the risk and handles collection.

💡 Learn more at Ratepay’s website

Get started

To start accepting payments via Ratepay:

1. Onboard with Ratepay and complete the required KYC steps.

2. Once onboarded, Ratepay will provide:

   • clientId: The API user ID

   • clientSecret: The API password

   • partnerShopId: Your Ratepay shop identifier

3. Contact NEXI Helpdesk and securely share the above credentials to activate Ratepay on your merchant profile.

Integration options

Ratepay is available via Direct integration only.

To initiate a Ratepay payment, call Create payment with:

"paymentMethods": {
  "type: "RATEPAY",
  "integrationType": "DIRECT",
  "ratepay": {
    "subType": "OPEN_INVOICE", // or "PAY_NOW"
    "transferType": "BANK_TRANSFER" // or "SEPA_DIRECT_DEBIT"
  }
}

Reverse payment

If a Ratepay payment needs to be voided before settlement, use the Reverse payment endpoint.

Partial reversals are supported.

Capture payment

Capture a previously authorized payment using the Capture payment endpoint.

Multiple partial captures are supported.

Refund payment

To issue a refund for a captured Ratepay payment, use the Refund payment endpoint.

Multiple partial refunds are supported.