AMEX Deposit via Vantiv

The following method IDs are covered in this section:

ID	Name	Credit/Debit State	Reversal State
113	AMEXDeposit	AuthorisedByProvider (13) CapturedByProvider (27)	Cancelled (113)

Payment method interaction type: Synchronous Execution (see Interaction Types)

Redirect Integration

There are no specific steps for initiating Card Deposits with Redirect Integration. Refer to Initiate New Payment (Redirect) for the standard steps.

Backend2Backend Integration

To initiate a card deposit the initiatePayment web method should be invoked. The following table contains the fields to be sent in the specificPaymentAccountData xml section for card deposits:

key (value type, account type, required)	value
CardNumber (string, required)	PAN, e.g. 4111111111111111
CardVerificationCode (string, required)	CVC, 3 or 4-digit number, e.g. 333
HolderName (string, required)	Cardholder name, e.g. John Doe
ExpiryMonth (string, required)	Expiration month of the card, e.g. 12
ExpiryYear (string, required)	Expiration year of the card, e.g. 2019

The following table contains the fields to be sent in the specificPaymentData xml section for card deposits:

key (value type, account type, required)	value
PaymentDescription (string)	payment description
PaymentDescriptionLanguageCode (string)	payment description language code
PaymentProviderID (string)	124 for Vantiv

Example initiatePaymentRequest:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>VantivShop</shopID>
	<merchantTransactionID>408aeb84-8756-4d15-8065-f8e1962d90eb</merchantTransactionID>
	<paymentMethodID>113</paymentMethodID>
	<amount currencyCode="USD">3.23</amount>
	<userID>345345</userID>
	<userData>
		<username>345345</username>
		<firstname xsi:nil="true" />
		<lastname xsi:nil="true" />
		<currencyCode xsi:nil="true" />
		<languageCode xsi:nil="true" />
		<email xsi:nil="true" />
		<address xsi:nil="true" />
		<identificationNumberType xsi:nil="true" />
		<drivingLicenseNumber xsi:nil="true" />
		<drivingLicenseIssuingState xsi:nil="true" />
	</userData>
	<userIP>10.10.10.10</userIP>
	<userSessionID>8aac9bff-d4f3-4b5f-a217-88540c396540</userSessionID>
	<creationTypeID>1</creationTypeID>
	<specificPaymentData>
		<data xsi:type="keyStringValuePair">
			<key>PaymentDescription</key>
			<value>PaymentDescription</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>PaymentDescriptionLanguageCode</key>
			<value>en</value>
		</data>
		<data xsi:type="keyIntValuePair">
			<key>PaymentProviderID</key>
			<value>124</value>
		</data>
	</specificPaymentData>
	<paymentAccount>
		<specificPaymentAccountData>
			<data xsi:type="keyStringValuePair">
				<key>CardNumber</key>
				<value>370000000000002</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>HolderName</key>
				<value>Georgi Georgiev</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryMonth</key>
				<value>8</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryYear</key>
				<value>2024</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>CardVerificationCode</key>
				<value>167</value>
			</data>
		</specificPaymentAccountData>
	</paymentAccount>
</initiatePaymentRequest>

Example initiatePaymentResponse (success response):

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>VantivShop</shopID>
		<paymentMethod>
			<key>113</key>
			<value>AMEXDeposit</value>
		</paymentMethod>
		<merchantTransactionID>408aeb84-8756-4d15-8065-f8e1962d90eb</merchantTransactionID>
		<paymentID>60a760e6-2883-498b-8f65-8a95f779e6d4</paymentID>
		<userID>345345</userID>
		<paymentProvider>
			<key>124</key>
			<value>Vantiv</value>
		</paymentProvider>
		<amount currencyCode="USD">3.23</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>10.10.10.10</userIP>
		<state>
			<id>fd850a85-17e4-4701-9d67-9e7590606a1c</id>
			<definition>
				<key>13</key>
				<value>AuthorisedByProvider</value>
			</definition>
			<createdOn>2019-10-08T07:50:02.6657609Z</createdOn>
			<description>[SUCCESS](ApprovalCode:[11555f51-6bcb-4eb3-b831-3aa76ad9ccdc])</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>100</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Transaction was Approved</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ApprovalCode</key>
					<value>11555f51-6bcb-4eb3-b831-3aa76ad9ccdc</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">2.43</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ElectronicCommerceIndicator</key>
				<value>07</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>AM0003</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>489612</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>***********0002</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>8</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2024</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>Georgi Georgiev</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>AmericanExpress</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse (refused response):

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>VantivShop</shopID>
		<paymentMethod>
			<key>113</key>
			<value>AMEXDeposit</value>
		</paymentMethod>
		<merchantTransactionID>23aae6a8-2878-4864-86ac-fde6a232c97f</merchantTransactionID>
		<paymentID>137560c6-5392-4e68-9f97-3f844e7494fb</paymentID>
		<userID>345345</userID>
		<paymentProvider>
			<key>124</key>
			<value>Vantiv</value>
		</paymentProvider>
		<amount currencyCode="USD">1.51</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>10.10.10.10</userIP>
		<state>
			<id>8f62e65d-cfbf-4588-b769-146aec880c12</id>
			<definition>
				<key>100</key>
				<value>RefusedByProvider</value>
			</definition>
			<createdOn>2019-10-08T07:50:09.8337361Z</createdOn>
			<description>[DECLINE](ResponseCode:[200] - [Transaction was Declined by Processor])</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>200</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Transaction was Declined by Processor</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>4000</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonMessage</key>
					<value>BlockedByProviderRiskManagement</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">1.13</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ElectronicCommerceIndicator</key>
				<value>07</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>AM0002</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>489613</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>***********0002</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>8</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2024</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>Georgi Georgiev</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>AmericanExpress</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse (error response):

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>VantivShop</shopID>
		<paymentMethod>
			<key>113</key>
			<value>AMEXDeposit</value>
		</paymentMethod>
		<merchantTransactionID>002e5428-d776-4bb8-a414-9194ebfee218</merchantTransactionID>
		<paymentID>a5170c28-7be0-4ab1-91b5-c5a2d90aa315</paymentID>
		<userID>345345</userID>
		<paymentProvider>
			<key>124</key>
			<value>Vantiv</value>
		</paymentProvider>
		<amount currencyCode="USD">10</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>10.10.10.10</userIP>
		<state>
			<id>0e0cd010-55c7-4288-9d84-880d758e719d</id>
			<definition>
				<key>14</key>
				<value>AuthoriseErrorReportedByProvider</value>
			</definition>
			<createdOn>2019-10-08T07:50:15.96351Z</createdOn>
			<description>[DECLINE](ResponseCode:[400] - [Transaction Error Returned by Processor])</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>400</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Transaction Error Returned by Processor</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonMessage</key>
					<value>ProviderTechnicalProblem</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">7.51</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ElectronicCommerceIndicator</key>
				<value>07</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>AM0010</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>489614</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>***********0002</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>8</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2024</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>Georgi Georgiev</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>AmericanExpress</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Notifications

Example handlePaymentStateChangedNotificationRequest for AMEX Deposit in state AuthorisedByProvider:

<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xmlns="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>VantivShop</shopID>
    <paymentMethod>
      <key>113</key>
      <value>AMEXDeposit</value>
    </paymentMethod>
    <merchantTransactionID>408aeb84-8756-4d15-8065-f8e1962d90eb</merchantTransactionID>
    <paymentID>60a760e6-2883-498b-8f65-8a95f779e6d4</paymentID>
    <userID>345345</userID>
    <paymentProvider>
      <key>124</key>
      <value>Vantiv</value>
    </paymentProvider>
    <amount currencyCode="USD">3.2300</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>10.10.10.10</userIP>
    <state>
      <id>fd850a85-17e4-4701-9d67-9e7590606a1c</id>
      <definition>
        <key>13</key>
        <value>AuthorisedByProvider</value>
      </definition>
      <createdOn>2019-10-08T07:50:02.667</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>100</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseMessage</key>
          <value>Transaction was Approved</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ApprovalCode</key>
          <value>11555f51-6bcb-4eb3-b831-3aa76ad9ccdc</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>true</isExecuted>
    <baseAmount currencyCode="EUR">2.4300</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>489612</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderTransactionID</key>
        <value>AM0003</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ElectronicCommerceIndicator</key>
        <value>07</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
      <details>
        <detail xsi:type="keyStringValuePair">
          <key>MaskedNumber</key>
          <value>***********0002</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>AccountOwnerToken</key>
          <value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryMonth</key>
          <value>8</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryYear</key>
          <value>2024</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>HolderName</key>
          <value>Georgi Georgiev</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>CardType</key>
          <value>AmericanExpress</value>
        </detail>
      </details>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

Example handlePaymentStateChangedNotificationRequest for AMEX Deposit in state RefusedByProvider:

<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xmlns="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>VantivShop</shopID>
    <paymentMethod>
      <key>113</key>
      <value>AMEXDeposit</value>
    </paymentMethod>
    <merchantTransactionID>23aae6a8-2878-4864-86ac-fde6a232c97f</merchantTransactionID>
    <paymentID>137560c6-5392-4e68-9f97-3f844e7494fb</paymentID>
    <userID>345345</userID>
    <paymentProvider>
      <key>124</key>
      <value>Vantiv</value>
    </paymentProvider>
    <amount currencyCode="USD">1.5100</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>10.10.10.10</userIP>
    <state>
      <id>8f62e65d-cfbf-4588-b769-146aec880c12</id>
      <definition>
        <key>100</key>
        <value>RefusedByProvider</value>
      </definition>
      <createdOn>2019-10-08T07:50:09.833</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>200</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseMessage</key>
          <value>Transaction was Declined by Processor</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>PaymentStateReasonID</key>
          <value>4000</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>PaymentStateReasonMessage</key>
          <value>BlockedByProviderRiskManagement</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>false</isExecuted>
    <baseAmount currencyCode="EUR">1.1300</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>489613</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderTransactionID</key>
        <value>AM0002</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ElectronicCommerceIndicator</key>
        <value>07</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
      <details>
        <detail xsi:type="keyStringValuePair">
          <key>MaskedNumber</key>
          <value>***********0002</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>AccountOwnerToken</key>
          <value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryMonth</key>
          <value>8</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryYear</key>
          <value>2024</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>HolderName</key>
          <value>Georgi Georgiev</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>CardType</key>
          <value>AmericanExpress</value>
        </detail>
      </details>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

Example handlePaymentStateChangedNotificationRequest for AMEX Deposit in state AuthoriseErrorReportedByProvider:

<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xmlns="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>VantivShop</shopID>
    <paymentMethod>
      <key>113</key>
      <value>AMEXDeposit</value>
    </paymentMethod>
    <merchantTransactionID>002e5428-d776-4bb8-a414-9194ebfee218</merchantTransactionID>
    <paymentID>a5170c28-7be0-4ab1-91b5-c5a2d90aa315</paymentID>
    <userID>345345</userID>
    <paymentProvider>
      <key>124</key>
      <value>Vantiv</value>
    </paymentProvider>
    <amount currencyCode="USD">10.0000</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>10.10.10.10</userIP>
    <state>
      <id>0e0cd010-55c7-4288-9d84-880d758e719d</id>
      <definition>
        <key>14</key>
        <value>AuthoriseErrorReportedByProvider</value>
      </definition>
      <createdOn>2019-10-08T07:50:15.963</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>400</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseMessage</key>
          <value>Transaction Error Returned by Processor</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>PaymentStateReasonID</key>
          <value>1</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>PaymentStateReasonMessage</key>
          <value>ProviderTechnicalProblem</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>false</isExecuted>
    <baseAmount currencyCode="EUR">7.5100</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>489614</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ElectronicCommerceIndicator</key>
        <value>07</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
      <details>
        <detail xsi:type="keyStringValuePair">
          <key>MaskedNumber</key>
          <value>***********0002</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>AccountOwnerToken</key>
          <value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryMonth</key>
          <value>8</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryYear</key>
          <value>2024</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>HolderName</key>
          <value>Georgi Georgiev</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>CardType</key>
          <value>AmericanExpress</value>
        </detail>
      </details>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

Example handlePaymentStateChangedNotificationRequest for AMEX Deposit in state CapturedByProvider:

<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xmlns="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>VantivShop</shopID>
    <paymentMethod>
      <key>113</key>
      <value>AMEXDeposit</value>
    </paymentMethod>
    <merchantTransactionID>408aeb84-8756-4d15-8065-f8e1962d90eb</merchantTransactionID>
    <paymentID>60a760e6-2883-498b-8f65-8a95f779e6d4</paymentID>
    <userID>345345</userID>
    <paymentProvider>
      <key>124</key>
      <value>Vantiv</value>
    </paymentProvider>
    <amount currencyCode="USD">3.2300</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>10.10.10.10</userIP>
    <state>
      <id>231f851a-6611-4b65-956c-9e1b7e7ecfc4</id>
      <definition>
        <key>27</key>
        <value>CapturedByProvider</value>
      </definition>
      <createdOn>2019-10-08T08:04:48.62</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>100</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseMessage</key>
          <value>Transaction was Approved</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ApprovalCode</key>
          <value>123456</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>true</isExecuted>
    <baseAmount currencyCode="EUR">2.4300</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>489612</value>
      </detail>
      <detail xsi:type="keyIntValuePair">
        <key>MerchantSettlementCurrencyID</key>
        <value>2</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderTransactionID</key>
        <value>AM0003</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ElectronicCommerceIndicator</key>
        <value>07</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
      <details>
        <detail xsi:type="keyStringValuePair">
          <key>MaskedNumber</key>
          <value>***********0002</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>AccountOwnerToken</key>
          <value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryMonth</key>
          <value>8</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryYear</key>
          <value>2024</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>HolderName</key>
          <value>Georgi Georgiev</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>CardType</key>
          <value>AmericanExpress</value>
        </detail>
      </details>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

AMEX Enhanced Authorisation

Enhanced Authorisation is a free solution from American Express that better identifies who is on the other end of transactions in real-time. Merchants who use Enhanced Authorization typically see increased approval rates, reduced false positives, and fraud reduction of up to 60%, while maintaining a seamless Customer experience.

This additional call precedes the actual authorisation request sent to the provider and as per AMEX's requirements the authorisation should be initiated regardless of the Enhanced Authorisation call outcome.

All the customer information we send to AMEX is already provided in the initiatePaymentRequest, so no additional implementation is needed on merchants' end.