Card Deposits

The following method IDs are covered in this section:

ID	Name	Credit/Debit State	Reversal State
1	ECMC Deposit	AuthorisedByProvider (13) CapturedByProvider (27)	Cancelled (113)
2	VISA Deposit	AuthorisedByProvider (13) CapturedByProvider (27)	Cancelled (113)
3	Diners Deposit	AuthorisedByProvider (13) CapturedByProvider (27)	Cancelled (113)
47	Postepay Deposit	AuthorisedByProvider (13) CapturedByProvider (27)	Cancelled (113)
73	Maestro Deposit	AuthorisedByProvider (13) CapturedByProvider (27)	Cancelled (113)
113	AMEX Deposit	AuthorisedByProvider (13)	Cancelled (113)
187	JCB Deposit	AuthorisedByProvider (13)	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,Cards, required)	PAN, e.g. 4111111111111111
CardVerificationCode (string,Cards, conditional)	CVC, 3 or 4-digit number, e.g. 333
HolderName (string,Cards, required)	Cardholder name, e.g. John Doe
ExpiryMonth (string,Cards, required)	Expiration month of the card, e.g. 12
ExpiryYear (string,Cards, required)	Expiration year of the card, e.g. 2019

🚧
Conditional CVC
CVC can be configured to be optional or mandatory based on the payment creation type. By default, PaymentService will treat CVC as mandatory.

🚧
Dynamic Billing Descriptor
Card Deposits can also be configured to support Dynamic Descriptors in order to display specific information on the cardholder's statement. Once this has been configured, the key-value PaymentDescription must be provided in the intiatePaymentRequest.specificPaymentData collection up to a length of no more than 25 characters.
Please contact PXP Financial Support in order to set this up.

🚧
Downgraded payments - MasterCard and Visa
Successfully authenticated payments are chargeback protected by Issuer and have ECI = 02 (fully authenticated) or 01 (attempted) for MasterCard and 05 (fully authenticated) or 06 (attempted) for Visa.
However, it is possible during authorization the Issuer to downgrade the ECI submitted in a payment from authenticated to unauthenticated and the liability is shifted back to the merchant. When this happens, we return the following two fields in the initiatePayment/executeAction response:
ElectronicCommerceIndicator = NN
ECIAfterAuthentication = NN
The ECIAfterAuthentication value indicates the ECI after SCA was carried out (or the value submitted by the merchant to indicate the same. ElectronicCommerceIndicator indicates the final ECI value returned, and would be different to the authentication ECI if a downgrade occurred.

🚧
Deferred authorisations - Visa
Deferred authorisations occur when a merchant cannot complete an authorisation at the time of transaction with the cardholder because of connectivity problems, systems issues or other limitations, and then later completes the authorization when they are able. A connectivity issue may occur for example when airlines or train operators make sales in transit.
Merchants should collect the transaction information and send a deferred authorisation request at the earliest possible opportunity.
IndustrySpecificMITType = 5 should be sent in initiatePayment request to indicate deferred authorisation.

Example initiatePaymentRequest:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns="http://www.cqrpayments.com/PaymentProcessing" 
                        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
                        xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <merchantID>KalixaAcceptDEMO</merchantID>
  <shopID>KalixaAcceptDEMO</shopID>
	<merchantTransactionID>Order99999</merchantTransactionID>
	<paymentMethodID>2</paymentMethodID>
	<amount currencyCode="EUR">100</amount>
	<userID>u12312312</userID>
	<userData>
		<username>johndoe</username>
		<firstname>John</firstname>
		<lastname>Doe</lastname>
		<currencyCode>EUR</currencyCode>
		<languageCode>EN</languageCode>
		<email>[email protected]</email>
		<address>
			<street>Marxergasse</street>
			<houseNumber>1b</houseNumber>
			<postalCode>1030</postalCode>
			<city>Vienna</city>
			<countryCode2>AT</countryCode2>
			<telephoneNumber>00437778889999</telephoneNumber>
		</address>
		<dateOfBirth>1980-10-10T00:00:00</dateOfBirth>
		<gender>Male</gender>
	</userData>

	<userIP>127.0.0.1</userIP>
	<userSessionID>123</userSessionID>
	<creationTypeID>1</creationTypeID>

	<specificPaymentData>
		<data xsi:type="keyStringValuePair">
			<key>PaymentDescription</key>
			<value>some description</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>PaymentDescriptionLanguageCode</key>
			<value>en</value>
		</data>
	</specificPaymentData>

	<paymentAccount>
		<specificPaymentAccountData>
			<data xsi:type="keyStringValuePair">
				<key>CardNumber</key>
				<value>4111111111111111</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>CardVerificationCode</key>
				<value>111</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>HolderName</key>
				<value>John Doe</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryMonth</key>
				<value>1</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryYear</key>
				<value>2099</value>
			</data>
		</specificPaymentAccountData>
	</paymentAccount>

</initiatePaymentRequest>

Example initiatePaymentResponse:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing"
                         xmlns:xsd="http://www.w3.org/2001/XMLSchema"
                         xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xsi:type="paymentWithPaymentAccount">
    <merchantID>KalixaAcceptDEMO</merchantID>
    <shopID>KalixaAcceptDEMO</shopID>
    <paymentMethod>
      <key>2</key>
      <value>VISA Deposit</value>
    </paymentMethod>
    <merchantTransactionID>Order99999</merchantTransactionID>
    <paymentID>47026705-e9e2-44c1-8f50-2b3676d60075</paymentID>
    <userID>u12312312</userID>
    <paymentProvider>
      <key>92</key>
      <value>CQRUK</value>
    </paymentProvider>
    <amount currencyCode="EUR">100.00</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>127.0.0.1</userIP>
		<state>
			<id>462890c3-2803-4b9f-b741-484ee8f73db3</id>
			<definition>
				<key>13</key>
				<value>AuthorisedByProvider</value>
			</definition>
			<createdOn>2014-12-11T11:45:16.7360552Z</createdOn>
			<description>Approved or completed successfully</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>0</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ApprovalCode</key>
					<value>442653</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">100</baseAmount>
		<paymentDetails xsi:nil="true"/>
		<paymentAccount>
			<paymentAccountID>3e27c7d9-e3d5-45df-8033-a78e66ab319e</paymentAccountID>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Notifications

Example handlePaymentStateChangedNotificationRequest for Visa Deposit in state AuthorisedByProvider:

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest 
  xmlns="http://www.cqrpayments.com/PaymentProcessing" 
  xmlns:xsd="http://www.w3.org/2001/XMLSchema" 
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
	<payment xsi:type="q1:paymentWithPaymentAccount">
		<merchantID>KalixaAcceptDEMO</merchantID>
		<shopID>KalixaAcceptDEMO</shopID>
		<paymentMethod>
			<key>2</key>
			<value>VISA Deposit</value>
		</paymentMethod>
		<merchantTransactionID>20141211_1</merchantTransactionID>
		<paymentID>616129bf-3ee0-4e63-9998-2fed6e85b7b7</paymentID>
		<userID>KalxiaTestUser_3</userID>
		<paymentProvider>
			<key>92</key>
			<value>CQRUK</value>
		</paymentProvider>
		<amount currencyCode="GBP">100.0000</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>195.72.132.1</userIP>
		<state>
			<id>3560adf3-6dd2-40f9-a6db-3a52ffa6ce90</id>
			<definition>
				<key>13</key>
				<value>AuthorisedByProvider</value>
			</definition>
			<createdOn>2014-12-11T15:06:56.66</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>0</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ApprovalCode</key>
					<value>452237</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">126.5300</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>206969</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentScoring</key>
				<value>711201</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingName</key>
				<value>Christiane Zepeda</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingStreet</key>
				<value>Marxergasse 1B</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingCity</key>
				<value>Vienna</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingState</key>
				<value>Vienna</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingPostalCode</key>
				<value>1030</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingCountryCode2</key>
				<value>AT</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingTelephoneNumber</key>
				<value> 123456789</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>c8650e17-89ff-4566-a4de-835d8818b3f3</paymentAccountID>
		</paymentAccount>
	</payment>
</handlePaymentStateChangedNotificationRequest>

📘
ProviderResponseCode and ApprovalCode key-values
In the above sample the handlePaymentStateChangedNotificationRequest.payment.state.paymentStateDetails key-values are:

ProviderResponseCode containing the issuer response code (see Card Deposit Provider Response Codes)

ApprovalCode generated by the issuer, serving as a proof for the authorization and used for some post-authorization operations.

Example handlePaymentStateChangedNotificationRequest for Amex Deposit in state AuthorisedByProvider:

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest
  xmlns="http://www.cqrpayments.com/PaymentProcessing"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema"
´ xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xsi:type="paymentWithPaymentAccount">
    <merchantID>KalixaAcceptDEMO</merchantID>
    <shopID>KalixaAcceptDEMO</shopID>
    <paymentMethod>
      <key>113</key>
      <value>AMEXDeposit</value>
    </paymentMethod>
    <merchantTransactionID>05012015_1</merchantTransactionID>
    <paymentID>9d52f550-7316-4a40-8f94-f3648a2009a7</paymentID>
    <userID>KalixaTestUser_5</userID>
    <paymentProvider>
      <key>81</key>
      <value>AmericanExpress</value>
    </paymentProvider>
    <amount currencyCode="EUR">100.0000</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>195.72.132.1</userIP>
    <state>
      <id>0f4d6cb5-6826-431c-8936-008378435dc7</id>
      <definition>
        <key>13</key>
        <value>AuthorisedByProvider</value>
      </definition>
      <createdOn>2015-01-05T13:56:26.233</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>0</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ApprovalCode</key>
          <value>46</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>true</isExecuted>
    <baseAmount currencyCode="EUR">100.0000</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>724612</value>
      </detail>
      <detail xsi:type="keyIntValuePair">
        <key>PaymentScoring</key>
        <value>724612</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ShippingName</key>
        <value>Christiane Zepeda</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ShippingStreet</key>
        <value>Marxergasse 1B</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ShippingCity</key>
        <value>Vienna</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ShippingState</key>
        <value>Vienna</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ShippingPostalCode</key>
        <value>1030</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ShippingCountryCode2</key>
        <value>AT</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ShippingTelephoneNumber</key>
        <value> 123456789</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>906004830</paymentAccountID>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

Example handlePaymentStateChangedNotificationRequest for ECMC Debit Deposit in state AuthorisedByProvider:

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest
  xmlns="http://www.cqrpayments.com/PaymentProcessing"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>KalixaAcceptDEMO</merchantID>
		<shopID>KalixaAcceptDEMO</shopID>
		<paymentMethod>
			<key>168</key>
			<value>ECMC Debit Deposit</value>
		</paymentMethod>
		<merchantTransactionID>05012015_2</merchantTransactionID>
		<paymentID>fac0a901-2240-4a94-99ef-d6a36e4bcf27</paymentID>
		<userID>KalixaTestUser_5</userID>
		<paymentProvider>
			<key>92</key>
			<value>CQRUK</value>
		</paymentProvider>
		<amount currencyCode="EUR">100.0000</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>195.72.132.1</userIP>
		<state>
			<id>bff607d3-c6d8-4a36-97ac-51b73787c0b6</id>
			<definition>
				<key>13</key>
				<value>AuthorisedByProvider</value>
			</definition>
			<createdOn>2015-01-05T14:02:41.143</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>0</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ApprovalCode</key>
					<value>858627</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">100.0000</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>211609</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentScoring</key>
				<value>724614</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingName</key>
				<value>Christiane Zepeda</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingStreet</key>
				<value>Marxergasse 1B</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingCity</key>
				<value>Vienna</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingState</key>
				<value>Vienna</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingPostalCode</key>
				<value>1030</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingCountryCode2</key>
				<value>AT</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ShippingTelephoneNumber</key>
				<value> 123456789</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>906004831</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>issuerCountry</key>
					<value>US</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>fundingSource</key>
					<value>Debit</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</handlePaymentStateChangedNotificationRequest>

📘
issuerCountry and fundingSource key-values of paymentAccount
In the above sample the handlePaymentStateChangedNotificationRequest.payment.paymentAccount.details fundingSource key-value indicates the card type is a debit card.

Cancellation of Card Deposits

In order to cancel a Card Deposit you will need to make use of the Execute Payment Action API call.

See the Cancel Payment page for further instructions.

Payment States for Card Deposits

States	Description
RefusedByProvider	Refusal state, payment was not accepted by provider
AuthorisedByProvider	Success state, payment was authorised by provider.
RefusedByPaymentScoring	Refusal state, Declined by PXP risk engine during risk checks
ValidationFailed	Error state, Technical validation failed. Example: Mandatory parameters not available
UserVerificationFailed	Error state, user was not authenticated
AuthoriseErrorReportedByProvider	Error state; an error was returned by provider.
AuthoriseCommunicationErrorOccurred	Error state, Authorisation timed out and no response was received.
DuplicatePaymentValidationFailed	Unsuccessful state; Duplication of payment.

Enhanced Authorisation Response Information

The following additional fields can be returned on request where available to supplement and enhance the information provided.

Please refer to the API documentation for details

Field	Description	Use
Original ISO Response Code	Provides the raw Scheme response code for a decline. See here for more information	For determining reattempts in line with the Visa and MasterCard initiatives
Merchant Advice Code	MasterCard-only: In addition to the response code, issuers can provide specific advice on what action a merchant should take following a decline, or provide other additional information associated to a payment. See here for more information	As above with certain decline codes. Additionally, provides further information on a payment which may require specific merchant actions e.g. use of a Virtual Card.
Scheme Account Reference	A unique value attributed to a PAN and all tokens associated with a PAN. Also referred to as Payment Account Reference (PAR)	Tracking and unifying payments across FPANs and DPANs
AVS Response Code, AVS Response Message	For payments where AVS data is submitted, these fields carry the response code and message respectively. See AVS page for mapping	Additional card security check outcomes can inform higher approval rates
CVC Response Code, CVC Response	For payments where CVC checks have been carried out, these fields carry the CVC outcomes. See below for mapping	As above
Funding Source	The type of card product being used. Can be Credit, Debit, Prepaid, Charge or Deferred Debit.	Additional card information
Issuer Country	Country of the Issuing Bank	Additional card information

CVV/CVC2 Response Mapping

CVC Response Code	CVC Response Message
1	Unknown
2	Match
3	No Match
4	Not Processed
5	Not Provided
6	Unable

Card Deposits

Redirect Integration

Backend2Backend Integration

🚧
Conditional CVC

🚧
Dynamic Billing Descriptor

🚧
Downgraded payments - MasterCard and Visa

🚧
Deferred authorisations - Visa

Notifications

📘
ProviderResponseCode and ApprovalCode key-values

📘
issuerCountry and fundingSource key-values of paymentAccount

Cancellation of Card Deposits

Payment States for Card Deposits

Enhanced Authorisation Response Information

CVV/CVC2 Response Mapping

Redirect Integration

Backend2Backend Integration

🚧Conditional CVC

🚧Dynamic Billing Descriptor

🚧Downgraded payments - MasterCard and Visa

🚧Deferred authorisations - Visa

Notifications

📘ProviderResponseCode and ApprovalCode key-values

📘issuerCountry and fundingSource key-values of paymentAccount

Cancellation of Card Deposits

Payment States for Card Deposits

Enhanced Authorisation Response Information

CVV/CVC2 Response Mapping

🚧
Conditional CVC

🚧
Dynamic Billing Descriptor

🚧
Downgraded payments - MasterCard and Visa

🚧
Deferred authorisations - Visa

📘
ProviderResponseCode and ApprovalCode key-values

📘
issuerCountry and fundingSource key-values of paymentAccount