Card Deposits via Paybilt

The following method IDs are covered in this section:

ID	Name	Credit/Debit State
1	ECMC Deposit	AuthorisedByProvider (13) CapturedByProvider (27)
2	VISA Deposit	AuthorisedByProvider (13) CapturedByProvider (27)
113	AMEX Deposit	AuthorisedByProvider (13) CapturedByProvider (27)

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 providerID that can be passed in the specificPaymentData collection:

key (value type, account type, required)	value
PaymentProviderID (string)	Payment provider, 212 for Payfacto, 211 for Moneris

Generic authorization requests##

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>{{merchant}}</merchantID>
    <shopID>{{shop}}</shopID>
    <merchantTransactionID>{{merchantTransactionID}}</merchantTransactionID>
    <paymentMethodID>2</paymentMethodID>
    <amount currencyCode="CAD">0.01</amount>
    <userID>{{newUserID}}</userID>
    <userData>
        <username>{{newUserName}}</username>
        <firstname>FirstName</firstname>
        <lastname>LastName</lastname>
        <currencyCode xsi:nil="true" />
        <languageCode xsi:nil="true" />
        <email>{{newUserEmail}}</email>
        <address>
            <street>4737 Yonge Street</street>
            <houseName xsi:nil="true" />
            <houseNumber xsi:nil="true" />
            <houseNumberExtension xsi:nil="true" />
            <postalCode>M4W 1J7</postalCode>
            <city>Toronto</city>
            <state>ON</state>
            <countryCode2>CA</countryCode2>
            <telephoneNumber>+14165152886</telephoneNumber>
        </address>
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>742f374a-08ec-4b1d-ad13-8acf6005ec6f</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>
            <data xsi:type="keyBooleanValuePair">
                <key>IsThreeDSecureConditionalRequired</key>
                <value>false</value>
            </data>
            <data xsi:type="keyBooleanValuePair">
                <key>IsThreeDSecureRequired</key>
                <value>false</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>PaymentProviderID</key>
                <value>212</value>
            </data>
        </specificPaymentData>
        <paymentAccount>
            <specificPaymentAccountData>
                <data xsi:type="keyStringValuePair">
                    <key>CardNumber</key>
                    <value>4111111372680044</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>2033</value>
                </data>
            </specificPaymentAccountData>
        </paymentAccount>
</initiatePaymentRequest>

Example initiatePaymentResponse (AuthorisedByProvider, provider Payfacto, gateway Paybilt):

<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>B2BTestMerchant</merchantID>
        <shopID>PaybiltGWProviderShop</shopID>
        <paymentMethod>
            <key>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>hc-20231025-194441</merchantTransactionID>
        <paymentID>b22c3d84-428c-441f-8f3a-8f17177d57d0</paymentID>
        <userID>hc20231025194441</userID>
        <paymentProvider>
            <key>212</key>
            <value>Payfacto</value>
        </paymentProvider>
        <amount currencyCode="CAD">40.01</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>f0dc65b5-99e1-4a0d-a5f2-5bb0a2d71d13</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2023-10-25T17:44:47.3716035Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseMessage</key>
                    <value>Approved or completed successfully</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AVSResponse</key>
                    <value>N</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AVSResponseMessage</key>
                    <value>No address or ZIP match only</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CVCResponse</key>
                    <value>NotMatched</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ApprovalCode</key>
                    <value>123456</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">28.89</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>31327291674458660259404307598</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>114364</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>baf1e470-7da3-4248-b3da-03954a73209b</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerCountry</key>
                    <value>AT</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountFundingSource</key>
                    <value>Credit</value>
                </detail>
                <detail xsi:type="keyBooleanValuePair">
                    <key>FastFunds</key>
                    <value>false</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerName</key>
                    <value></value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Example initiatePaymentResponse (AuthorisedByProvider, provider Moneris, gateway Paybilt):

<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>B2BTestMerchant</merchantID>
        <shopID>PaybiltGWProviderShop</shopID>
        <paymentMethod>
            <key>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>hc-20231025-194637</merchantTransactionID>
        <paymentID>25daf4ae-8925-4050-888a-a6066f2d9247</paymentID>
        <userID>hc20231025194637</userID>
        <paymentProvider>
            <key>211</key>
            <value>Moneris</value>
        </paymentProvider>
        <amount currencyCode="CAD">40.01</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>8d14a826-f5e2-4800-a713-0db19704a6b4</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2023-10-25T17:46:42.2645955Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseMessage</key>
                    <value>Approved or completed successfully</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AVSResponse</key>
                    <value>N</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AVSResponseMessage</key>
                    <value>No address or ZIP match only</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CVCResponse</key>
                    <value>NotMatched</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ApprovalCode</key>
                    <value>123456</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">28.89</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>31327293795834228736002743440</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>114365</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>9c3c2f5a-8cac-4f4f-8108-f01d1cc9b4a6</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerCountry</key>
                    <value>AT</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountFundingSource</key>
                    <value>Credit</value>
                </detail>
                <detail xsi:type="keyBooleanValuePair">
                    <key>FastFunds</key>
                    <value>false</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerName</key>
                    <value></value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Example initiatePaymentResponse (AuthorisedByProvider, provider Payfacto, gateway Paybilt):

<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>B2BTestMerchant</merchantID>
        <shopID>PaybiltGWProviderShop</shopID>
        <paymentMethod>
            <key>1</key>
            <value>ECMC Deposit</value>
        </paymentMethod>
        <merchantTransactionID>hc-20231025-194915</merchantTransactionID>
        <paymentID>a667e69d-17fc-44ec-8db2-8b98b08ae92b</paymentID>
        <userID>hc20231025194915</userID>
        <paymentProvider>
            <key>212</key>
            <value>Payfacto</value>
        </paymentProvider>
        <amount currencyCode="CAD">40.01</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>252072f5-4228-4184-9bb7-d191a1c14f1a</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2023-10-25T17:49:20.0496941Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseMessage</key>
                    <value>Approved or completed successfully</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AVSResponse</key>
                    <value>N</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AVSResponseMessage</key>
                    <value>No address or ZIP match only</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CVCResponse</key>
                    <value>NotMatched</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ApprovalCode</key>
                    <value>123456</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">28.89</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>31327296710419792382111898770</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>114367</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>684f1070-5a9b-43a2-b9ae-908f3efa17e4</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerCountry</key>
                    <value>AT</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountFundingSource</key>
                    <value>Debit</value>
                </detail>
                <detail xsi:type="keyBooleanValuePair">
                    <key>FastFunds</key>
                    <value>false</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerName</key>
                    <value>Some Bank</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>MaskedNumber</key>
                    <value>526624******6818</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwnerToken</key>
                    <value>acda11b6-3410-4a8b-bb84-59b26943bf0a</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryMonth</key>
                    <value>1</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryYear</key>
                    <value>2033</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>HolderName</key>
                    <value>John Doe</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CardType</key>
                    <value>Mastercard</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Example initiatePaymentResponse (RefusedByProvider, provider Payfacto, gateway Paybilt):

<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>B2BTestMerchant</merchantID>
        <shopID>PaybiltGWProviderShop</shopID>
        <paymentMethod>
            <key>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>hc-20231025-195305</merchantTransactionID>
        <paymentID>7416ae50-0d8d-4106-b114-0a3b69b557e7</paymentID>
        <userID>hc20231025195305</userID>
        <paymentProvider>
            <key>212</key>
            <value>Payfacto</value>
        </paymentProvider>
        <amount currencyCode="CAD">0.01</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>06b7d628-30ab-44f2-b1a8-0845fd96115d</id>
            <definition>
                <key>100</key>
                <value>RefusedByProvider</value>
            </definition>
            <createdOn>2023-10-25T17:53:10.1789105Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>1</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseMessage</key>
                    <value>Refer to card issuer</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AVSResponse</key>
                    <value>N</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AVSResponseMessage</key>
                    <value>No address or ZIP match only</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CVCResponse</key>
                    <value>NotMatched</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">0.01</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>31327300953170929335308770452</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>114368</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>ecf2baa5-c7c4-475a-8725-e734acd3de35</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerCountry</key>
                    <value>AT</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountFundingSource</key>
                    <value>Credit</value>
                </detail>
                <detail xsi:type="keyBooleanValuePair">
                    <key>FastFunds</key>
                    <value>false</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerName</key>
                    <value></value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

3DS requests##

For the 3DS the generic 3DS payment initiation needs to be applied.

ApplePay/GooglePay

The following are ApplePay/GooglePay payments to be sent after the merchant has decrypted the ApplePay/GooglePay token.

Sample ApplePay request:

<initiatePaymentRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>PaybiltCCMockShop</shopID>
	<merchantTransactionID>5e676ccd-3716-47e9-9aa4-923fd22bcba9</merchantTransactionID>
	<paymentMethodID>300</paymentMethodID>
	<amount currencyCode="CAD">100</amount>
	<userID>88c339bb-eb44-4620-80f8-8d8445</userID>
	<userData>
		<username>88c339bb-eb44-4620-80f8-8d8445</username>
		<firstname>Cristian</firstname>
		<lastname>C</lastname>
		<currencyCode xsi:nil="true" />
		<languageCode xsi:nil="true" />
		<email>[email protected]</email>
		<address>
			<street>1St Street</street>
			<houseName xsi:nil="true" />
			<houseNumber>23</houseNumber>
			<houseNumberExtension xsi:nil="true" />
			<postalCode>L8R2L1</postalCode>
			<city>Vienna</city>
			<state>Ontario</state>
			<countryCode2>CA</countryCode2>
			<telephoneNumber>+12264445555</telephoneNumber>
		</address>
		<identificationNumberType xsi:nil="true" />
		<drivingLicenseNumber xsi:nil="true" />
		<drivingLicenseIssuingState xsi:nil="true" />
		<globalUserID xsi:nil="true" />
		<nationality xsi:nil="true" />
		<identificationIssuingCountry xsi:nil="true" />
	</userData>
	<userIP>127.0.0.1</userIP>
	<userSessionID>f6707363-c20f-4863-b217-a01085fd51ed</userSessionID>
	<creationTypeID>1</creationTypeID>
	<specificPaymentData>
		<data xsi:type="keyStringValuePair">
			<key>PaymentDescription</key>
			<value>45e40642-3807-465f-a2be-ab970243420e</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>PaymentDescriptionLanguageCode</key>
			<value>en</value>
		</data>
		<data xsi:type="keyIntValuePair">
			<key>ThreeDSecureCheckResult</key>
			<value>4</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>ThreeDSecureECI</key>
			<value>02</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>ThreeDSecureCAVV</key>
			<value>AJqTIRIV2gpaAAGTIPvHAoABFA==</value>
		</data>
		<data xsi:type="keyIntValuePair">
				<key>PaymentProviderID</key>
				<value>211</value>
		</data>
	</specificPaymentData>
	<paymentAccount>
		<specificPaymentAccountData>
			<data xsi:type="keyStringValuePair">
				<key>CardNumber</key>
				<value>5457350099887768</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>HolderName</key>
				<value>004d15b4-b834-4276-8910-b2d39e54de85</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryMonth</key>
				<value>1</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryYear</key>
				<value>2099</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>CardVerificationCode</key>
				<value>111</value>
			</data>
		</specificPaymentAccountData>
	</paymentAccount>
</initiatePaymentRequest>

Sample GooglePay request:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>PaybiltGWMockShop</shopID>
	<merchantTransactionID>18b217b3-c1c6-4b99-b3ff-ae2a7495544d</merchantTransactionID>
	<paymentMethodID>413</paymentMethodID>
	<amount currencyCode="CAD">10</amount>
	<userID>2ecebf21-11e4-44c5-9ddf-78fe3d8a737b</userID>
	<userData>
		<username>2ecebf21-11e4-44c5-9ddf-78fe3d8a737b</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" />
		<globalUserID xsi:nil="true" />
		<nationality xsi:nil="true" />
		<identificationIssuingCountry xsi:nil="true" />
	</userData>
	<userIP>127.0.0.1</userIP>
	<userSessionID>820e63da-b291-4804-9be5-be15c696490f</userSessionID>
	<creationTypeID>1</creationTypeID>
	<specificPaymentData>
		<data xsi:type="keyStringValuePair">
			<key>PaymentDescription</key>
			<value>descr</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>PaymentDescriptionLanguageCode</key>
			<value>en</value>
		</data>
		<data xsi:type="keyIntValuePair">
			<key>ThreeDSecureCheckResult</key>
			<value>4</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>ThreeDSecureCAVV</key>
			<value>Vnu+KFZ7xyhGd+VJncGbeK1nZ1A=</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>ThreeDSecureECI</key>
			<value>07</value>
		</data>
		<data xsi:type="keyIntValuePair">
			<key>PaymentProviderID</key>
			<value>212</value>
		</data>
	</specificPaymentData>
	<paymentAccount>
		<specificPaymentAccountData>
			<data xsi:type="keyStringValuePair">
				<key>CardNumber</key>
				<value>4111111111111111</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryMonth</key>
				<value>1</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryYear</key>
				<value>2099</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>HolderName</key>
				<value>Sir Stenley Roise</value>
			</data>
		</specificPaymentAccountData>
	</paymentAccount>
</initiatePaymentRequest>

Sample ApplePay response:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>PaybiltGWMockShop</shopID>
		<paymentMethod>
			<key>298</key>
			<value>AppleVisaDeposit</value>
		</paymentMethod>
		<merchantTransactionID>0a9212b7-0d0a-4baa-8cc2-726215ed71cc</merchantTransactionID>
		<paymentID>7f654d1f-68e3-476f-a442-19d83773c257</paymentID>
		<userID>4e6bfa91-efd6-4269-a49b-52e83e28ba6d</userID>
		<paymentProvider>
			<key>212</key>
			<value>Payfacto</value>
		</paymentProvider>
		<amount currencyCode="CAD">10</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>840e29dc-156e-48d5-bdf1-3a9968f89648</id>
			<definition>
				<key>13</key>
				<value>AuthorisedByProvider</value>
			</definition>
			<createdOn>2023-10-31T08:20:17.3768644Z</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>0</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Approved or completed successfully</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AVSResponse</key>
					<value>Y</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AVSResponseMessage</key>
					<value>Exact match</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CVCResponse</key>
					<value>Matched</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ApprovalCode</key>
					<value>581151</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">7.22</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ThreeDSecureVersion</key>
				<value>1.0.2</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>CardholderAuthenticationVerificationValue</key>
				<value>jLRabyR3C2QaABEAAFHSuWJ7w5g=</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ElectronicCommerceIndicator</key>
				<value>07</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentProviderID</key>
				<value>212</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>581151501135800320777992996352</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>116361</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentMethodID</key>
				<value>298</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentProviderID</key>
				<value>212</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>PaymentAccountID</key>
				<value>ac62dec3-7f00-40ba-8656-4a84912a1064</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>ac62dec3-7f00-40ba-8656-4a84912a1064</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>411111******1111</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>532ea578-41fb-4132-a159-c4bcdc091c0a</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>1</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2099</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>Sir Stenley Roise</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>Visa</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Sample GooglePay response:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>PaybiltGWMockShop</shopID>
		<paymentMethod>
			<key>413</key>
			<value>GoogleVisaDeposit</value>
		</paymentMethod>
		<merchantTransactionID>18b217b3-c1c6-4b99-b3ff-ae2a7495544d</merchantTransactionID>
		<paymentID>08cb7cfe-4d9a-4a33-8f4f-6f073eb6a706</paymentID>
		<userID>2ecebf21-11e4-44c5-9ddf-78fe3d8a737b</userID>
		<paymentProvider>
			<key>212</key>
			<value>Payfacto</value>
		</paymentProvider>
		<amount currencyCode="CAD">10</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>7e262f20-3077-4f55-affb-d997930d910b</id>
			<definition>
				<key>13</key>
				<value>AuthorisedByProvider</value>
			</definition>
			<createdOn>2023-11-06T12:58:02.3849962Z</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>0</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Approved or completed successfully</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AVSResponse</key>
					<value>Y</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AVSResponseMessage</key>
					<value>Exact match</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CVCResponse</key>
					<value>Matched</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ApprovalCode</key>
					<value>627428</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">7.22</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ThreeDSecureVersion</key>
				<value>1.0.2</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>CardholderAuthenticationVerificationValue</key>
				<value>Vnu+KFZ7xyhGd+VJncGbeK1nZ1A=</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ElectronicCommerceIndicator</key>
				<value>07</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>627428365157117416222296278185</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>118618</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>ae8d545c-2831-472d-902b-6c364301ada9</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>411111******1111</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>532ea578-41fb-4132-a159-c4bcdc091c0a</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>1</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2099</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>Sir Stenley Roise</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>Visa</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Refund##

Example initiatePaymentFromReference request:

<initiatePaymentFromReferenceRequest xmlns:xsd=http://www.w3.org/2001/XMLSchema xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance xmlns=http://www.cqrpayments.com/PaymentProcessing>
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>PaybiltGWProviderShop</shopID>
    <originalPaymentID>b6eaf6bd-86f5-43f3-b004-24d7b26dc1b4</originalPaymentID>
    <merchantTransactionID>121527</merchantTransactionID>
    <paymentMethodID>88</paymentMethodID>
    <amount currencyCode="CAD">10</amount>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>Provider testing</value>
        </data>
    </specificPaymentData>
    <creationTypeID>2</creationTypeID>
</initiatePaymentFromReferenceRequest>

Example initiatePaymentFromReference response - Successful:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentFromReferenceResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance xmlns=http://www.cqrpayments.com/PaymentProcessing>
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>PaybiltGWMockShop</shopID>
		<paymentMethod>
			<key>115</key>
			<value>AMEXRefund</value>
		</paymentMethod>
		<merchantTransactionID>c6248bf3-c90d-432b-acd8-d9309a1f1070</merchantTransactionID>
		<paymentID>09b5c421-65f9-4cc3-9ff5-fa612bfa7c25</paymentID>
		<userID>f45ec68b-1b08-411a-952e-25e9f8</userID>
		<paymentProvider>
			<key>212</key>
			<value>Payfacto</value>
		</paymentProvider>
		<amount currencyCode="CAD">100.01</amount>
		<creationType>
			<key>2</key>
			<value>MerchantOperator</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>aaceb5ad-ee66-4d60-a54a-05cac80acaa4</id>
			<definition>
				<key>125</key>
				<value>Refunded</value>
			</definition>
			<createdOn>2023-11-09T10:20:17.8261228Z</createdOn>
			<paymentStateDetails xsi:nil="true" />
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">72.23</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyIntValuePair">
				<key>OriginalPaymentID</key>
				<value>49542650</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>891348466984676082813176694033</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>121589</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>306197a5-4136-4202-b051-69d8b88288bd</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>373466*****9224</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>934c11d9-81d6-457b-b480-1aff97568d65</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>1</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2028</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>John Doe</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>AmericanExpress</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentFromReferenceResponse>

Example initiatePaymentFromReferenceResponse - Refund amount exceeded:

<paymentServiceException xmlns=http://www.cqrpayments.com/PaymentProcessing xmlns:xsd=http://www.w3.org/2001/XMLSchema xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance>
    <id>cda7f574-f562-4da3-b4f0-d8e70f7118c4</id>
    <errorCode>1002</errorCode>
    <errorMessage>Refund amount exceeded! Deposit amount = 2.0000; Refunded amount = 0.2000; Max refundable amount = 1.8000;Refund amount = 10</errorMessage>
</paymentServiceException>

Example initiatePaymentFromReferenceResponse - RefundErrorOccurred:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentFromReferenceResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance xmlns=http://www.cqrpayments.com/PaymentProcessing>
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>PaybiltGWMockShop</shopID>
		<paymentMethod>
			<key>89</key>
			<value>ECMC Refund</value>
		</paymentMethod>
		<merchantTransactionID>04a2c637-b5ad-482c-a99e-72da9483c8d6</merchantTransactionID>
		<paymentID>fc93c39e-0fd2-4385-975e-a38e94612e4a</paymentID>
		<userID>b464f8ef-60d8-4c11-aa2f-acc60a</userID>
		<paymentProvider>
			<key>212</key>
			<value>Payfacto</value>
		</paymentProvider>
		<amount currencyCode="CAD">8.08</amount>
		<creationType>
			<key>2</key>
			<value>MerchantOperator</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>b5d4978b-22bf-413d-9371-34f56a18fa02</id>
			<definition>
				<key>310</key>
				<value>RefundErrorOccurred</value>
			</definition>
			<createdOn>2023-11-09T10:20:32.3891253Z</createdOn>
			<description>Error received in the response from the provider</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderErrorResponseCode</key>
					<value>1207</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderErrorResponseMessage</key>
					<value>no sufficient amount to refund!</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">5.84</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyIntValuePair">
				<key>OriginalPaymentID</key>
				<value>49542656</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>121594</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>58947a87-4df6-48e6-88f3-96be5be208de</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>IssuerCountry</key>
					<value>AT</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountFundingSource</key>
					<value>Debit</value>
				</detail>
				<detail xsi:type="keyBooleanValuePair">
					<key>FastFunds</key>
					<value>false</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>IssuerName</key>
					<value>Some Bank</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>526624******6818</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>acda11b6-3410-4a8b-bb84-59b26943bf0a</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>1</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2028</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>John Doe</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>Mastercard</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentFromReferenceResponse>

Example initiatePaymentFromReferenceResponse - RefundRefusedByProvider:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentFromReferenceResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance xmlns=http://www.cqrpayments.com/PaymentProcessing>
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>PayperGWMockShop</shopID>
		<paymentMethod>
			<key>88</key>
			<value>VISA Refund</value>
		</paymentMethod>
		<merchantTransactionID>1d2f8d45-a1e3-4b12-b142-25855343257e</merchantTransactionID>
		<paymentID>df41693e-6c9d-485b-9a59-49cbfffb7d78</paymentID>
		<userID>13ae7491-a246-43d8-a4c7-dcf8c0</userID>
		<paymentProvider>
			<key>212</key>
			<value>Payfacto</value>
		</paymentProvider>
		<amount currencyCode="CAD">8.04</amount>
		<creationType>
			<key>2</key>
			<value>MerchantOperator</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>6f4e66b2-6e34-4a79-a26a-e7df08fefe44</id>
			<definition>
				<key>309</key>
				<value>RefundRefusedByProvider</value>
			</definition>
			<createdOn>2023-11-09T10:20:24.4870183Z</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">5.81</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyIntValuePair">
				<key>OriginalPaymentID</key>
				<value>49542653</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>396922767436867577952271311226</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>121591</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>f2479878-5371-4f0f-8707-e0273a8b97ad</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>IssuerCountry</key>
					<value>AT</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountFundingSource</key>
					<value>Credit</value>
				</detail>
				<detail xsi:type="keyBooleanValuePair">
					<key>FastFunds</key>
					<value>false</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>IssuerName</key>
					<value />
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>411111******0044</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>d5d58e98-acc6-4e5f-a98a-a08a34f54e28</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>1</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2028</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>John Doe</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>Visa</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentFromReferenceResponse>

Chargeback##

Example notification for ChargedBackByProvider:

<?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>PaybiltGWProviderShop</shopID>
	<paymentMethod>
		<key>224</key>
		<value>ECMCChargeback</value>
	</paymentMethod>
	<merchantTransactionID>41438585459756401088839494109</merchantTransactionID>
	<paymentID>4b5b34c2-ae46-44a0-b0e2-32be9749cf6a</paymentID>
	<userID>hc20240103103824</userID>
	<paymentProvider>
		<key>212</key>
		<value>Payfacto</value>
	</paymentProvider>
	<amount currencyCode="CAD">60.0100</amount>
	<creationType>
		<key>6</key>
		<value>Provider</value>
	</creationType>
	<state>
		<id>11705c1a-0a9c-4492-9788-de4abe2f3a96</id>
		<definition>
			<key>118</key>
			<value>ChargedBackByProvider</value>
		</definition>
		<createdOn>2024-01-04T10:53:56.98</createdOn>
		<paymentStateDetails xsi:nil="true"/>
	</state>
	<isExecuted>true</isExecuted>
	<baseAmount currencyCode="EUR">43.3400</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>1adde4f5-87a6-4a59-bded-e422c1aa401f</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderTransactionID</key>
			<value>41438585459756401088839494109</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>ElectronicCommerceIndicator</key>
			<value>02</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentID</key>
			<value>5185791d-10b6-46fa-adf8-501d1dd381ab</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMerchantTransactionID</key>
			<value>hc-20240103-103824</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMethodID</key>
			<value>414</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMethodName</key>
			<value>GoogleECMCDeposit</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>e380e026-a1b9-45cb-adeb-5f8cc9ea8603</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>MaskedNumber</key>
				<value>544400******2205</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerToken</key>
				<value>4ccd18cb-5950-4275-af45-3d6c6e98af4d</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>ExpiryMonth</key>
				<value>1</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>ExpiryYear</key>
				<value>2033</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>HolderName</key>
				<value>John Doe</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>CardType</key>
				<value>Mastercard</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>

Example notification for ChargedBackReversedByProvider:


<?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>PaybiltGWProviderShop</shopID>
	<paymentMethod>
		<key>225</key>
		<value>ECMCReverseChargeback</value>
	</paymentMethod>
	<merchantTransactionID>41438585847138026636740078045</merchantTransactionID>
	<paymentID>03595d8b-0c24-4915-838a-ed89fe0765fd</paymentID>
	<userID>hc20240103103824</userID>
	<paymentProvider>
		<key>212</key>
		<value>Payfacto</value>
	</paymentProvider>
	<amount currencyCode="CAD">60.0100</amount>
	<creationType>
		<key>6</key>
		<value>Provider</value>
	</creationType>
	<state>
		<id>928f3d36-bb61-4348-91b5-17a281c618c8</id>
		<definition>
			<key>239</key>
			<value>ChargedBackReversedByProvider</value>
		</definition>
		<createdOn>2024-01-04T10:56:17.657</createdOn>
		<paymentStateDetails xsi:nil="true"/>
	</state>
	<isExecuted>true</isExecuted>
	<baseAmount currencyCode="EUR">43.3400</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>972c1a8d-e7b5-4d28-9976-6b3b8af2cb8c</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderTransactionID</key>
			<value>41438585847138026636740078045</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>ElectronicCommerceIndicator</key>
			<value>02</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentID</key>
			<value>5185791d-10b6-46fa-adf8-501d1dd381ab</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMerchantTransactionID</key>
			<value>hc-20240103-103824</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMethodID</key>
			<value>414</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMethodName</key>
			<value>GoogleECMCDeposit</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>e380e026-a1b9-45cb-adeb-5f8cc9ea8603</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>MaskedNumber</key>
				<value>544400******2205</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerToken</key>
				<value>4ccd18cb-5950-4275-af45-3d6c6e98af4d</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>ExpiryMonth</key>
				<value>1</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>ExpiryYear</key>
				<value>2033</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>HolderName</key>
				<value>John Doe</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>CardType</key>
				<value>Mastercard</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>