Card Withdrawals

The following method IDs are covered in this section:

IDNameCredit/Debit StateReversal State
12VISA WithdrawalCreated(232) for Redirect Integration
InitiatedByProvider(3)
for B2B Integration
Cancelled(113)
14Diners WithdrawalCreated(232) for Redirect Integration
InitiatedByProvider(3)
for B2B Integration
Cancelled(113)
38ECMC WithdrawalCreated(232) for Redirect Integration
InitiatedByProvider(3)
for B2B Integration
Cancelled(113)
129PostePayWithdrawalCreated(232) for Redirect Integration
InitiatedByProvider(3)
for B2B Integration
Cancelled(113)
147MaestroWithdrawalCreated(232) for Redirect Integration
InitiatedByProvider(3)
for B2B Integration
Cancelled(113)

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

Redirect Integration

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

Backend2Backend Integration

The following table contains the fields to be sent in the initiatePaymentRequest.specificPaymentAccountData xml section for card withdrawals:

key (value type, account type, required)value
CardNumber
(string,Cards, required)
PAN, e.g. 4111111111111111
HolderName
(string,Cards, required)
Card holder 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

Example initiatePaymentRequest for Card Withdrawal:

<?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>0e23b2f1-1d92-4ddd-8d43-9de4e77e279b</merchantTransactionID>
  <paymentMethodID>12</paymentMethodID>
  <amount currencyCode="EUR">10</amount>
  <userID>d48693ca-e96e-4ca1-9e01-035645a79300</userID>
  <userData></userData>
  <userIP>127.0.0.1</userIP>
  <userSessionID>6a956eae-d903-4a01-8170-20dae92673d1</userSessionID>
  <creationTypeID>1</creationTypeID>
  <paymentAccountID>4765ad36-93ea-4327-a82f-767eb6f04e5d</paymentAccountID>
  <paymentAccount>
    <specificPaymentAccountData>
      <data xsi:type="keyStringValuePair">
        <key>CardNumber</key>
        <value>4111111111111111</value>
      </data>
      <data xsi:type="keyStringValuePair">
        <key>HolderName</key>
        <value>Max B</value>
      </data>
      <data xsi:type="keyIntValuePair">
        <key>ExpiryMonth</key>
        <value>11</value>
      </data>
      <data xsi:type="keyIntValuePair">
        <key>ExpiryYear</key>
        <value>2014</value>
      </data>
    </specificPaymentAccountData>
  </paymentAccount>
</initiatePaymentRequest>

Example initiatePaymentResponse for Card Withdrawal:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing"
                         xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment>
    <merchantID>KalixaAcceptDEMO</merchantID>
    <shopID>KalixaAcceptDEMO</shopID>
    <paymentMethod>
      <key>12</key>
      <value>VISA Withdrawal</value>
    </paymentMethod>
    <merchantTransactionID>0e23b2f1-1d92-4ddd-8d43-9de4e77e279b</merchantTransactionID>
    <paymentID>a5afdad9-91b3-4222-b6c8-e187627639aa</paymentID>
    <userID>d48693ca-e96e-4ca1-9e01-035645a79300</userID>
    <paymentProvider>
      <key>9</key>
      <value>BMS</value>
    </paymentProvider>
    <amount currencyCode="EUR">100</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>127.0.0.1</userIP>
    <state>
      <id>c8cd1ccf-a056-411d-b617-58b9f30a1c60</id>
      <definition>
        <key>3</key>
        <value>InitiatedByProvider</value>
      </definition>
      <createdOn>2011-05-18T09:28:28.0867184Z</createdOn>
      <paymentStateDetails xsi:nil="true" ></paymentStateDetails>
    </state>
    <isExecuted>false</isExecuted>
    <baseAmount currencyCode="EUR">100</baseAmount>
    <paymentDetails xsi:nil="true"></paymentDetails>
  </payment>
</initiatePaymentResponse>

Notifications

Example handlePaymentStateChangedNotificationRequest for VISA Withdrawal in Created state:

<?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>12</key>
			<value>VISA Withdrawal</value>
		</paymentMethod>
		<merchantTransactionID>20141215_8</merchantTransactionID>
		<paymentID>34927f83-1ba5-498e-8a88-d98f32448f52</paymentID>
		<userID>KalxiaTestUser_5</userID>
		<paymentProvider>
			<key>92</key>
			<value>CQRUK</value>
		</paymentProvider>
		<amount currencyCode="EUR">30</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>195.72.132.1</userIP>
		<state>
			<id>33fd269d-5700-4a1a-aa81-7d9d7989d9b4</id>
			<definition>
				<key>232</key>
				<value>Created</value>
			</definition>
			<createdOn>2014-12-15T12:30:50.9678178Z</createdOn>
			<paymentStateDetails xsi:nil="true" />
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">30</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>207778</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>8d4dd05c-c280-49a5-8588-12e96329c359</paymentAccountID>
		</paymentAccount>
	</payment>
</handlePaymentStateChangedNotificationRequest>

📘

isExecuted = false

Note that when the withdrawal is created but not yet processed the isExecuted flag is equal to false.

Example handlePaymentStateChangedNotificationRequest for VISA Withdrawal in WithdrawnByProvider state:

<?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>12</key>
			<value>VISA Withdrawal</value>
		</paymentMethod>
		<merchantTransactionID>20141215_8</merchantTransactionID>
		<paymentID>34927f83-1ba5-498e-8a88-d98f32448f52</paymentID>
		<userID>KalxiaTestUser_5</userID>
		<paymentProvider>
			<key>92</key>
			<value>CQRUK</value>
		</paymentProvider>
		<amount currencyCode="EUR">30.0000</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>195.72.132.1</userIP>
		<state>
			<id>58b7abf2-8fbd-4817-96ff-01713e139e40</id>
			<definition>
				<key>20</key>
				<value>WithdrawnByProvider</value>
			</definition>
			<createdOn>2014-12-15T12:31:55.663</createdOn>
			<paymentStateDetails xsi:nil="true" />
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">30.0000</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>207778</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentScoring</key>
				<value>713452</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AuthorizationSequenceValue</key>
				<value>112874</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>8d4dd05c-c280-49a5-8588-12e96329c359</paymentAccountID>
		</paymentAccount>
	</payment>
</handlePaymentStateChangedNotificationRequest>

Visa Direct

Visa Direct is the new name of the Visa OCT program.
In Europe, acquirers are mandated to submit Visa Direct transactions to VisaNet through a single-message channel, which means that Visa Direct submissions are authorized and cleared in the same request.

Submitting a transaction through the single message channel is a prerequisite for an acquirer to support Fast Funds credits.

📘

How can Visa Direct benefit you

As a merchant supporting Visa Credit transactions customers will receive their funds credited to their account within seconds, provided that the card issuer is supporting this capability called Fast Funds".

In order to identify if the issuer of a particular card supports Fast Funds we will pass this detail in initiatePaymentResponse, in the section. This will only be returned for Visa payments.

if you would like to receive this additional information, please contact support to have it enabled.

<paymentAccount>
            <paymentAccountID>a6da6b6b-d76c-4f04-908c-27e949b324c0</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>true</value>
                </detail>
            </details>
        </paymentAccount>

Example initiatePaymentRequest and Response below:

<?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>KalixaAcceptDemo</merchantID>
    <shopID>KalixaAcceptDemo</shopID>
    <merchantTransactionID>4d0c2437-211111</merchantTransactionID>
    <paymentMethodID>2</paymentMethodID>
    <amount currencyCode="EUR">10</amount>
    <userID>PXPTestUser</userID>
    <userIP>127.0.0.1</userIP>
    <userSessionID>c303dd1b-98d4-42a6-90ad-8615b3847692</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>cb1f1894-cb98-4127-b60b-450b536996c9</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>PaymentProviderID</key>
            <value>92</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>4103642213120451</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>e9d2dea3-adfb-4570-b390-9c1d122ee487</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>12</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2020</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>111</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>
<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>4d0c2437-211111</merchantTransactionID>
        <paymentID>bbd90075-9ec0-4c0c-a003-ace32cb56200</paymentID>
        <userID>PXPTestUser</userID>
        <paymentProvider>
            <key>92</key>
            <value>CQRUK</value>
        </paymentProvider>
        <amount currencyCode="EUR">10</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>47629fe1-65e6-4989-8e62-86a8c62d60d2</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2019-07-23T07:57:44.9859338Z</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>273391</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">10</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyIntValuePair">
                <key>PaymentProviderID</key>
                <value>92</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>688795</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>e4d948d2-7cbc-4ad8-aed3-64dda6c32fb2</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>UNKNOWN</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Payment States for Card Withdrawal

StateDescription
WithdrawnByProviderSuccess state; payment has been executed
RefusedByProviderRefusal state, payment was not accepted by provider
RefusedByPaymentScoringRefusal state, Declined by PXP risk engine during risk checks
ValidationFailedError state, Technical validation failed. Example: Mandatory parameters not available
ProviderCommunicationErrorOccurredError state; a communication error has occured. Please note that the payment can still be moved to a success state through the reconciliation
NotifyPaymentStateErrorReportedByMerchantError state; error reported by merchant during withdrawal approval.
DuplicatePaymentValidationFailedUnsuccessful state; Duplication of payment.