Description
The Hosted Payment Page is a product intended for merchants who don't want to deal with the trouble of adding an entire new page to their checkout flow in order to offer new payment methods. This way, Ratepay offers this page in a seamless way, such as the merchant just need to take care of doing an API call , and Ratepay takes care of the rest - rendering the page, requesting missing information, processing the transaction and then, calling back the merchant with the outcome of the processing.
Overview
How to use it
Preparation
First of all , contact your Ratepay representative.
After doing so, you will be asked for a couple of informations:
- An image of the logo you would like to have displayed on the hosted payment page;
- The link for your T&C page;
- The callback URL in case of success processing a transaction;
- The callback URL in case of failure processing a transaction.
The actual process
Once the buyer is on the merchant's checkout page and selects Open Invoice or Direct Debit as a payment method, a request needs to be sent to create a session.
Once done so, the API will return an URL to which the customer needs to be redirected - which will be the Hosted Payment Page URL.
After being redirected to the page, the buyer will see a page rendered with the data from the cart, as well as billing and delivery information. This page is rendered by Ratepay.
Direct Debit
Open Invoice
Once the user clicks on the "Buy now" button , Ratepay will process the transaction and then, will forward the user browser to either the success URL or the failure URL.
In case of success, it would attach a query parameter named session_id, which can be used to retrieve the data concerning the initiating transaction. Also, it would append a parameter called transaction_id, which can be used to conciliate the transaction in the merchant side to the one
on Ratepay side.
In case of failure, it would attach the session_id as well. Depending on the reason of failure (if it's just about data input, such as wrong address), it would append a parameter declineCategory and declineReason if applicable.
The decline categories that would be appended are BUYER_DATA or BUYER_IDENTITY, among the ones listed under possible categories as seen here.
Features
Whitelabel
Ratepay is a whitelabel online service provider which allows merchants to provide their customers secure and common payment methods. For you as a merchant, we bear the full risk of default on payment.
The Hosted Payment Page is a product created so that Ratepay handles the details about how to offer these payment methods to your customers , but at the same time providing you with customization controls to customize it . So your customers see your brand on the page, not ours.
Currently, it's possible to customize the logo on the page and T&C link. We are working on to expand those options in the future.
Available payment methods
Currently, the Hosted Payment Page works with these payment methods:
Multiple types of delivery addresses
By default, the Hosted Payment Page supports several different kinds of delivery address. It's possible to use:
- Regular address
- In-store collect
- Pick up box
- Pick up shop
Data validation / risk checks
We take care of data validation (birth date, address validation, e-mail address, etc.), as well as running risk checks.
Available languages
Right now, the Hosted Payment Page is available in English and German. In order to ensure a smooth integration, it's possible to supply the language as a parameter to the Hosted Payment Page, so that both the page and subsequent communications with the customer would use the selected language.