---
title: "Ratepay (@ratepay)"
description: "Buy now, pay later payment provider for e-commerce."
account: "ratepay"
---

# Ratepay

Buy now, pay later payment provider for e-commerce.

## APIs

8 public APIs with a stored document.
Each links to its markdown overview; the same address with
`/llms.txt` in place of `.md` lists its operations.
Changes across these APIs: https://skmtc.dev/ratepay/feed.md

- [Ratepay Hpp API](https://skmtc.dev/ratepay/apis/ratepay-hpp-api.md): Payment sessions: create sessions, retrieve session records by ID or date, receive status webhooks
- [Payment OpenAPI Specification](https://skmtc.dev/ratepay/apis/payment-openapi-specification.md): Payments: authorize, capture, cancel and refund transactions, add shipping information
- [Subscription webhooks](https://skmtc.dev/ratepay/apis/subscription-webhooks.md): Payments: manage webhook subscriptions to list, create, update and cancel event notifications
- [Invoice webhooks OpenAPI specification](https://skmtc.dev/ratepay/apis/invoice-webhooks-openapi-specification.md): Invoicing: receive webhook callbacks for invoice communications (in development)
- [Dispute Webhooks OpenAPI Specification](https://skmtc.dev/ratepay/apis/dispute-webhooks-openapi-specification.md): Payments: receive dispute webhooks for item-not-received, returns, fraud and defence outcomes
- [One Time Passcode API](https://skmtc.dev/ratepay/apis/one-time-passcode-api.md): Authentication: verify and regenerate one-time passcodes sent to buyers during transactions
- [Dispute OpenAPI Specification](https://skmtc.dev/ratepay/apis/dispute-openapi-specification.md): Disputes: submit evidence for item-not-received, item-returned, fraud and other chargeback claims
- [Authentication OpenAPI specification](https://skmtc.dev/ratepay/apis/authentication-openapi-specification.md): Identity: issue OAuth 2.0 access tokens (JWT) via the token endpoint