Card Withdrawals - Paybilt
The following method IDs are covered in this section:
| ID | Name | Credit/Debit State | Reversal State |
|---|---|---|---|
| 12 | VISA Withdrawal | WithdrawnByProvider | Cancelled(113) |
| 38 | ECMC Withdrawal | WithdrawnByProvider | Cancelled(113) |
Payment method interaction type: Synchronous Execution (see Interaction Types).
Redirect Integration
Not applicable.
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 (VISA):
<?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>12</paymentMethodID>
<amount currencyCode="CAD">40.01</amount>
<userID>{{newUserID}}</userID>
<userData>
<username>{{newUserName}}</username>
<firstname>HC</firstname>
<lastname>Ko</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="keyIntValuePair">
<key>PaymentProviderID</key>
<value>204</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 initiatePaymentRequest for Card Withdrawal (Mastercard):
<?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>38</paymentMethodID>
<amount currencyCode="CAD">40.01</amount>
<userID>{{newUserID}}</userID>
<userData>
<username>{{newUserName}}</username>
<firstname>HC</firstname>
<lastname>Ko</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="keyIntValuePair">
<key>PaymentProviderID</key>
<value>204</value>
</data>
</specificPaymentData>
<paymentAccount>
<specificPaymentAccountData>
<data xsi:type="keyStringValuePair">
<key>CardNumber</key>
<value>5266248793296818</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>
States reached after initiatePaymentRequest
| State | Details | Description |
|---|---|---|
| InitiatedByProvider | Payment accepted by Paybilt for payout | |
| PreInitiateErrorReportedByProvider | ProviderErrorResponseCode and ProviderErrorResponseMessage | Error state on first call |
| PreInitiateRefusedByProvider | Refusal state on first call | |
| PreInitiateRequestCommunicationErrorOccurred | Communication error on first call | |
| InitiateErrorReportedByProvider | ProviderErrorResponseCode and ProviderErrorResponseMessage | Error state on second call |
| InitiateRefusedByProvider | Refusal state on second call | |
| InitiateRequestProviderCommunicationErrorOccurred | Communication error on second call |
Example initiatePaymentResponse for Card Withdrawal - InitiatedByProvider:
<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>PaybiltGWMockShop</shopID>
<paymentMethod>
<key>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>7c2fb06f-2639-4ad8-83c9-f83f57bf2e88</merchantTransactionID>
<paymentID>b26cc86b-e123-4a86-97c6-124c681ea86c</paymentID>
<userID>33bd3a12-9c62-497a-88b1-44a27d</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">10</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>3f2b1c28-dbae-42d1-bee5-0db554d9072b</id>
<definition>
<key>3</key>
<value>InitiatedByProvider</value>
</definition>
<createdOn>2023-11-08T16:16:15.761915Z</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">7.22</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>483625689495936188614598450693</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>120673</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>627456f8-b7c8-4e3e-9895-28eb5b66a504</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>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Example initiatePaymentResponse for Card Withdrawal - InitiatedByProvider (with Approval code)
<?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>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>21410e44-4dbd-4e5b-9010-4abd01fa7fd3</merchantTransactionID>
<paymentID>ade9067c-8aed-4a4c-91dd-88e08b879274</paymentID>
<userID>329719ce-9ce7-4e1e-9cee-8f18b4</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">10</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>20561a24-834e-4d41-ade5-76a2fc3d1ec3</id>
<definition>
<key>3</key>
<value>InitiatedByProvider</value>
</definition>
<createdOn>2024-03-08T09:31:23.0276063Z</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>ApprovalCode</key>
<value>123456</value>
</detail>
<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>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">7.22</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>596209065100833643409169023037</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>170702</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>5b785708-9461-4a0b-981f-e7e7698045c4</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>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Example initiatePaymentResponse for Card Withdrawal - PreInitiateErrorReportedByProvider:
<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>PaybiltGWMockShop</shopID>
<paymentMethod>
<key>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>a18db658-2d7e-41c4-80c5-4f62d69ca450</merchantTransactionID>
<paymentID>196c664b-9d32-4a1e-874b-1525efd07224</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">99.01</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>decb5436-9bf9-4529-87bc-3dcaab4a2de6</id>
<definition>
<key>329</key>
<value>PreInitiateErrorReportedByProvider</value>
</definition>
<createdOn>2023-11-08T16:08:29.3293902Z</createdOn>
<description>Unexpected Response with tx_action=request and status=invalid</description>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderErrorResponseCode</key>
<value>1107</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderErrorResponseMessage</key>
<value>first name not defined!</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">71.5</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>120666</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>d390cc44-6464-4573-8951-a490be7e3ffe</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>IssuerCountry</key>
<value>GB</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>UNKNOWN</value>
</detail>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Example initiatePaymentResponse for Card Withdrawal - PreInitiateRefusedByProvider:
<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>PaybiltGWMockShop</shopID>
<paymentMethod>
<key>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>9d2ea8dd-2a9b-40c7-b0e8-ba7db1ac1d27</merchantTransactionID>
<paymentID>c9edafb2-bc6d-4e07-8021-04ec87be4a20</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">99.01</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>9fd2805b-bc9a-4f30-a0dc-e39b20fff5bc</id>
<definition>
<key>636</key>
<value>PreInitiateRefusedByProvider</value>
</definition>
<createdOn>2023-11-08T16:09:42.549141Z</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">71.5</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>769098609896327092929153939856</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>120667</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>9ad31b03-3170-4618-83d2-a7ab8a7e3b2b</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>IssuerCountry</key>
<value>GB</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>UNKNOWN</value>
</detail>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Example initiatePaymentResponse for Card Withdrawal - PreInitiateRequestCommunicationErrorOccurred:
<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>PaybiltGWMockShop</shopID>
<paymentMethod>
<key>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>6f5d7cef-fcbc-4cae-a3bb-618f114f496b</merchantTransactionID>
<paymentID>9ac0ce39-ad63-4349-a461-6ce539d5bf9e</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">99.01</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>4ef72829-4d06-4e0e-a41c-269f5ae4177f</id>
<definition>
<key>334</key>
<value>PreInitiateRequestCommunicationErrorOccurred</value>
</definition>
<createdOn>2023-11-08T16:12:09.6163371Z</createdOn>
<description>Error occurred while processing payment communication for Payment[ID='49520698'].</description>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">71.5</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>120670</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>35d06822-f258-4491-b248-c892d508a4f5</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>IssuerCountry</key>
<value>GB</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>UNKNOWN</value>
</detail>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Example initiatePaymentResponse for Card Withdrawal - InitiateRefusedByProvider:
<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>PaybiltGWMockShop</shopID>
<paymentMethod>
<key>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>1821858b-6fa7-4710-b52e-c273cd06050c</merchantTransactionID>
<paymentID>b66b39ba-6af3-4947-a247-d301df308ff2</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">99.01</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>446e3c59-5594-47fc-8252-d572f0fad3b9</id>
<definition>
<key>550</key>
<value>InitiateRefusedByProvider</value>
</definition>
<createdOn>2023-11-08T16:13:11.5401729Z</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">71.5</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>811541226145033114206895148325</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>120671</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>620366b7-1217-4880-8e3b-16a8d02f95c1</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>IssuerCountry</key>
<value>GB</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>UNKNOWN</value>
</detail>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Example initiatePaymentResponse for Card Withdrawal - InitiateRefusedByProvider (with ApprovalCode):
<?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>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>64ebd9ba-83bc-4ab0-8b46-dcd5d4bc1420</merchantTransactionID>
<paymentID>63674a2a-4ab4-47f7-bd4f-3909e5ce9b34</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">99.01</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>e6a530a9-33d5-41fa-9c8a-83d1470ad85a</id>
<definition>
<key>550</key>
<value>InitiateRefusedByProvider</value>
</definition>
<createdOn>2024-03-08T09:34:47.9439651Z</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>ApprovalCode</key>
<value>987654</value>
</detail>
<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>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">71.5</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>408317729979461357468552936148</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>170704</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>7590b350-31a3-4141-bb0b-1a25f71f7caf</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>IssuerCountry</key>
<value>GB</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>UNKNOWN</value>
</detail>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Example initiatePaymentResponse for Card Withdrawal - InitiateRequestProviderCommunicationErrorOccurred:
<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>PaybiltGWMockShop</shopID>
<paymentMethod>
<key>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>d186d7d2-27c0-45e3-b2b8-f65bd91f901e</merchantTransactionID>
<paymentID>e8972425-ef02-4811-b995-5941653970f5</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">99.01</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>731be515-f2a2-46a6-abd4-75106bd90a87</id>
<definition>
<key>325</key>
<value>InitiateRequestProviderCommunicationErrorOccurred</value>
</definition>
<createdOn>2023-11-08T16:15:09.4170558Z</createdOn>
<description>Error occurred while processing payment communication for Payment[ID='49520705'].</description>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">71.5</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>837678036212199723761250846276</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>120672</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>38b571a0-e7e6-4d91-870a-67369000a40c</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>IssuerCountry</key>
<value>GB</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>UNKNOWN</value>
</detail>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Notifications
States reached after initiatePaymentRequest
| State | Details | Description |
|---|---|---|
| WithdrawnByProvider | Final success state | |
| RefusedByProvider | Refusal state |
Example handlePaymentStateChangedNotificationRequest for VISA Withdrawal in WithdrawnByProvider state (with ApprovalCode):
<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest 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>38</key>
<value>ECMC Withdrawal</value>
</paymentMethod>
<merchantTransactionID>e4b5d9b6-21d4-4546-ac6a-7e0bfa60a465</merchantTransactionID>
<paymentID>99906835-633d-4c87-aa1b-95107d002fd0</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">100.1000</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>68d91464-9abc-4ce3-8f16-13b61fdedad4</id>
<definition>
<key>20</key>
<value>WithdrawnByProvider</value>
</definition>
<createdOn>2024-03-08T09:49:24.037</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">72.2900</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>170705</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>291142478292702555051054215053</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>f8d9a26f-830d-4ed0-8bb1-0947a5f50091</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>12</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>ExpiryYear</key>
<value>2099</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>HolderName</key>
<value>6f4d7f3c-508c-47b3-960d-a826cc1314f1</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>CardType</key>
<value>Mastercard</value>
</detail>
</details>
</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>
Example handlePaymentStateChangedNotificationRequest for VISA Withdrawal in RefusedByProviderState state:
<?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:q1=http://www.cqrpayments.com/PaymentProcessing xsi:type="paymentWithPaymentAccount">
<merchantID>B2BTestMerchant</merchantID>
<shopID>PaybiltGWMockShop</shopID>
<paymentMethod>
<key>38</key>
<value>ECMC Withdrawal</value>
</paymentMethod>
<merchantTransactionID>587b4aaf-9ef8-4866-9eed-96917825e314</merchantTransactionID>
<paymentID>da9f222b-924d-416d-a6dd-75a383721785</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">100.1000</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>51427eb8-84b9-43a8-b2a2-bfb68553fc92</id>
<definition>
<key>100</key>
<value>RefusedByProvider</value>
</definition>
<createdOn>2023-11-09T17:15:02.883</createdOn>
<paymentStateDetails>
<detail xsi:type="keyIntValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">72.2900</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>121998</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>103423527615497070521692848273</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>ff670123-8662-455d-95b5-f5595aab2a52</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>12</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>ExpiryYear</key>
<value>2099</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>HolderName</key>
<value>876957ea-b68b-4ee2-82f6-219cd43b9fb5</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>CardType</key>
<value>Mastercard</value>
</detail>
</details>
</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>
Example handlePaymentStateChangedNotificationRequest for VISA Withdrawal in InitiateRefusedByProvider state (with ApprovalCode):
<?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>12</key>
<value>VISA Withdrawal</value>
</paymentMethod>
<merchantTransactionID>64ebd9ba-83bc-4ab0-8b46-dcd5d4bc1420</merchantTransactionID>
<paymentID>63674a2a-4ab4-47f7-bd4f-3909e5ce9b34</paymentID>
<userID>PayperCCUserWithAddr</userID>
<paymentProvider>
<key>204</key>
<value>Payper</value>
</paymentProvider>
<amount currencyCode="CAD">99.0100</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.0</userIP>
<state>
<id>e6a530a9-33d5-41fa-9c8a-83d1470ad85a</id>
<definition>
<key>550</key>
<value>InitiateRefusedByProvider</value>
</definition>
<createdOn>2024-03-08T09:34:47.943</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="keyStringValuePair">
<key>ApprovalCode</key>
<value>987654</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">71.5000</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>170704</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>408317729979461357468552936148</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>7590b350-31a3-4141-bb0b-1a25f71f7caf</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>IssuerCountry</key>
<value>GB</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>UNKNOWN</value>
</detail>
</details>
</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>
Payment States for Card Withdrawal
| State | Description |
|---|---|
| WithdrawnByProvider | Success state; payment has been executed |
| RefusedByProvider | Refusal state, payment was not accepted by provider |
| RefusedByPaymentScoring | Refusal state, Declined by PXP risk engine during risk checks |
| ValidationFailed | Error state, Technical validation failed. Example: Mandatory parameters not available |
| ProviderCommunicationErrorOccurred | Error state; a communication error has occured. Please note that the payment can still be moved to a success state through the reconciliation |
| NotifyPaymentStateErrorReportedByMerchant | Error state; error reported by merchant during withdrawal approval. |
| DuplicatePaymentValidationFailed | Unsuccessful state; Duplication of payment. |
Updated 5 months ago