Credit card deposits (via Adumo)

Adumo is processing credit card payments for South Africa.

The provider for these payment methods is called "Adumo" with providerID being 198.

The following method IDs are covered in this section:

IDNameCredit/Debit State
2Visa DepositAuthorisedByProvider (13)
1ECMC DepositAuthorisedByProvider (13)

Payment method interaction type: Redirection to External Payment Provider (see Interaction Types).

Redirect Integration

Currently not supported.

Backend2Backend Integration

The following table contains the fields to be sent in initiatePaymentRequest:

key (value type, account type, required)value
userIP
(string, required)
The IP of the user

The following table contains the fields to be sent in initiatePaymentRequest.specificPaymentData xml section:

key (value type, account type, required)value
PaymentDescription
(string)
Description of the payment
PaymentDescriptionLanguageCode
(string)
Language value for the description
PaymentProviderID (Int)The provider´s ID - 198 for Adumo

Example initiatePaymentRequest (3DS):

<?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>DemoMerchant</merchantID>
    <shopID>DemoShop</shopID>
    <merchantTransactionID>OB_27072022_11531</merchantTransactionID>
    <paymentMethodID>2</paymentMethodID>
    <amount currencyCode="ZAR">10.01</amount>
    <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
    <userData>
        <username>9ce682e6-ecf4-48bc-896d-f1a9f2</username>
        <gender>Male</gender>
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>40f6b48f-d0eb-476e-a490-7bd864526776</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>Nice description</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>IsThreeDSecureRequired</key>
            <value>true</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>4000000000000002</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>789</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>4</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2030</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>Joe Soap</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</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>DemoMerchant</merchantID>
    <shopID>DemoShop</shopID>
    <merchantTransactionID>OB_27072022_1135</merchantTransactionID>
    <paymentMethodID>1</paymentMethodID>
    <amount currencyCode="ZAR">10.01</amount>
    <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
    <userData>
        <username>9ce682e6-ecf4-48bc-896d-f1a9f2</username>
        <gender>Male</gender>
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>40f6b48f-d0eb-476e-a490-7bd864526776</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>Nice description</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>IsThreeDSecureRequired</key>
            <value>true</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>5200000000000007</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>789</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>4</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2030</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>Joe Soap</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example initiatePaymentResponse (3DS):

<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>DemoMerchant</merchantID>
        <shopID>DemoShop</shopID>
        <paymentMethod>
            <key>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>OB_27072022_11531</merchantTransactionID>
        <paymentID>f05124bf-fee7-4cd2-a61f-7bebfcf5a725</paymentID>
        <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
        <paymentProvider>
            <key>198</key>
            <value>Adumo</value>
        </paymentProvider>
        <amount currencyCode="ZAR">10.01</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>c99ffd67-ca26-41c2-b918-6b86b4c09152</id>
            <definition>
                <key>287</key>
                <value>RedirectDataCreated</value>
            </definition>
            <createdOn>2022-08-19T14:43:11.4213048Z</createdOn>
            <description>RedirectUrl=https://staging-apiv2.adumoonline.com/product/authentication/v1/acs/cardinal/7e89db4b-be1e-4b38-be80-e1e001d1c7e9&#xD;
TermUrl=https://api.test2.kalixa.com/ProviderListeners/ThreeDSecureListener.aspx&#xD;
PaReq:&#xD;
&#xD;
</description>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>RedirectionUrl</key>
                    <value>https://staging-apiv2.adumoonline.com/product/authentication/v1/acs/cardinal/7e89db4b-be1e-4b38-be80-e1e001d1c7e9</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PostDataTermUrl</key>
                    <value>https://api.test2.kalixa.com/ProviderListeners/ThreeDSecureListener.aspx</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PostDataPaReq</key>
                    <value>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</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PostDataMD</key>
                    <value>7e89db4b-be1e-4b38-be80-e1e001d1c7e9</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PostDataKeys</key>
                    <value>TermUrl,PaReq,MD</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">0.76</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ThreeDSecureVersion</key>
                <value>1.0.2</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>46163</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>a786f491-93c1-4a1f-b59a-7230b3ce9f6b</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerCountry</key>
                    <value>AT</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountFundingSource</key>
                    <value>Unknown</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>
<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>DemoMerchant</merchantID>
        <shopID>DemoShop</shopID>
        <paymentMethod>
            <key>1</key>
            <value>ECMC Deposit</value>
        </paymentMethod>
        <merchantTransactionID>OB_27072022_1135</merchantTransactionID>
        <paymentID>117d39df-f3f5-4e6c-88ce-3e08fe680783</paymentID>
        <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
        <paymentProvider>
            <key>198</key>
            <value>Adumo</value>
        </paymentProvider>
        <amount currencyCode="ZAR">10.01</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>5fba3943-7383-4bef-af3e-d5b8b920f43d</id>
            <definition>
                <key>369</key>
                <value>DuplicatePaymentValidationFailed</value>
            </definition>
            <createdOn>2022-08-19T14:48:22.1216684Z</createdOn>
            <description>Other payment with the same external ID was found.</description>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">0.76</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>46164</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>93e6e0d7-006e-489e-8f6f-f9e5192dda30</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>MaskedNumber</key>
                    <value>520000******0007</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwnerToken</key>
                    <value>ba6c7c4c-34cc-41de-a12f-33049c3c09b1</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryMonth</key>
                    <value>4</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryYear</key>
                    <value>2030</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>HolderName</key>
                    <value>Joe Soap</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CardType</key>
                    <value>Mastercard</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Example Redirection PostData (3DS):

<html>
    <head>
        <link rel="stylesheet" href="https://maxcdn.bootstrapcdn.com/bootstrap/3.3.7/css/bootstrap.min.css" integrity="sha384-BVYiiSIFeK1dGmJRAkycuHAHRg32OmUcww7on3RYdg4Va+PmSTsz/K68vbdEjh4u" crossorigin="anonymous">

        <!-- Optional theme -->
        <link rel="stylesheet" href="https://maxcdn.bootstrapcdn.com/bootstrap/3.3.7/css/bootstrap-theme.min.css" integrity="sha384-rHyoN1iRsVXV4nD0JutlnGaslCJuC7uwjduW9SVrLvRYooPp2bWYgmgJQIXwl/Sp" crossorigin="anonymous">
        
        <!-- Latest compiled and minified JavaScript -->
        <script src="https://maxcdn.bootstrapcdn.com/bootstrap/3.3.7/js/bootstrap.min.js" integrity="sha384-Tc5IQib027qvyjSMfHjOMaLkfuWVxZxUPnCJA7l2mCWNIpG9mGCD8wGNIcPD7Txa" crossorigin="anonymous"></script>

        <Style>
            body{
                padding-top:5em;

            }
        </Style>

    </head>
    <body>
        <div class="container">
            <div class="row">
              <div class="col-md-9 col-md-offset-1">
                <div class="well well-sm">
                  <form class="form-horizontal" action="https://acsabsatest.bankserv.co.za/mdpayacs/pareq" method="post">
                  <fieldset>
                    <legend class="text-center">Adumo 3DSv1 Test</legend>
            
                    <!-- PaReq -->
                    <div class="form-group">
                        <label class="col-md-3 control-label" for="PaReq">PaReq</label>
                        <div class="col-md-9">
                          <textarea class="form-control" id="PaReq" name="PaReq" placeholder="PaReq...." rows="10"></textarea>
                        </div>
                      </div>
        
                    <!-- TermUrl-->
                    <div class="form-group">
                      <label class="col-md-3 control-label" for="TermUrl">TermUrl</label>
                      <div class="col-md-9">
                        <input id="TermUrl" name="TermUrl" type="text" class="form-control" value="to be exchanged by merchant with their listener URL">
                      </div>
                    </div>
            
                    <!-- MD-->
                    <div class="form-group">
                      <label class="col-md-3 control-label" for="MD">MD</label>
                      <div class="col-md-9">
                        <input id="MD" name="MD" type="text" placeholder="MD..." class="form-control">
                      </div>
                    </div>
            
                    <!-- Form actions -->
                    <div class="form-group">
                      <div class="col-md-12 text-right">
                        <button type="submit" class="btn btn-primary btn-lg">Submit</button>
                      </div>
                    </div>
                  </fieldset>
                  </form>
                </div>
              </div>
            </div>
        </div>
    </body>
</html>

Example initiatePaymentRequest (Non 3DS):

<?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>DemoMerchant</merchantID>
    <shopID>DemoShop</shopID>
    <merchantTransactionID>OB_27072022_11431</merchantTransactionID>
    <paymentMethodID>2</paymentMethodID>
    <amount currencyCode="ZAR">10.01</amount>
    <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
    <userData>
        <username>9ce682e6-ecf4-48bc-896d-f1a9f2</username>
        <gender>Male</gender>
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>40f6b48f-d0eb-476e-a490-7bd864526776</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>Nice description</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>IsThreeDSecureRequired</key>
            <value>false</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>PaymentProviderID</key>
            <value>198</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>4111111111111111</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>789</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>4</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2030</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>Joe Soap</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</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>DemoMerchant</merchantID>
    <shopID>DemoShop</shopID>
    <merchantTransactionID>OB_27072022_11442</merchantTransactionID>
    <paymentMethodID>1</paymentMethodID>
    <amount currencyCode="ZAR">10.01</amount>
    <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
    <userData>
        <username>9ce682e6-ecf4-48bc-896d-f1a9f2</username>
        <gender>Male</gender>
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>40f6b48f-d0eb-476e-a490-7bd864526776</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>Nice description</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>IsThreeDSecureRequired</key>
            <value>false</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>5100080000000000</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>789</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>4</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2030</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>Joe Soap</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example initiatePaymentRequest (Non 3DS):

<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>DemoMerchant</merchantID>
        <shopID>Demoshop</shopID>
        <paymentMethod>
            <key>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>OB_27072022_11431</merchantTransactionID>
        <paymentID>e884a60a-e28a-45c7-8dfe-22c133742d5d</paymentID>
        <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
        <paymentProvider>
            <key>198</key>
            <value>Adumo</value>
        </paymentProvider>
        <amount currencyCode="ZAR">10.01</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>0ae80c53-c3cd-48a2-91dd-8fe41c6389f8</id>
            <definition>
                <key>284</key>
                <value>NotEnrolledInThreeDSecure</value>
            </definition>
            <createdOn>2022-08-19T14:54:21.0270048Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">0.76</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>46165</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>c5f1c1b9-639a-44c9-95b5-a0f343274316</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>
<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>DemoMerchant</merchantID>
        <shopID>DemoShop</shopID>
        <paymentMethod>
            <key>1</key>
            <value>ECMC Deposit</value>
        </paymentMethod>
        <merchantTransactionID>OB_27072022_11442</merchantTransactionID>
        <paymentID>779a3f10-0127-4c99-9cc5-76ccc14d5460</paymentID>
        <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
        <paymentProvider>
            <key>198</key>
            <value>Adumo</value>
        </paymentProvider>
        <amount currencyCode="ZAR">10.01</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>39884b48-defd-4c3b-ab81-822b5d7dd4d8</id>
            <definition>
                <key>284</key>
                <value>NotEnrolledInThreeDSecure</value>
            </definition>
            <createdOn>2022-08-19T14:58:10.1239494Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">0.76</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>46168</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>1ca9e967-47df-4f8d-b4f3-4dc1b4aa4aa4</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>MaskedNumber</key>
                    <value>510008******0000</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwnerToken</key>
                    <value>f3a53380-4bc3-42cf-a72f-5cc42580e657</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryMonth</key>
                    <value>4</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryYear</key>
                    <value>2030</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>HolderName</key>
                    <value>Joe Soap</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CardType</key>
                    <value>Mastercard</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>
<?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>DemoMerchant</merchantID>
    <shopID>DemoShop</shopID>
    <merchantTransactionID>OB_27072022_11421</merchantTransactionID>
    <paymentMethodID>2</paymentMethodID>
    <amount currencyCode="ZAR">10.01</amount>
    <userID>9ce682e6-ecf4-48bc-896d-f1a9f2</userID>
    <userData>
        <username>9ce682e6-ecf4-48bc-896d-f1a9f2</username>
        <gender>Male</gender>
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>40f6b48f-d0eb-476e-a490-7bd864526776</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>Nice description</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>IsThreeDSecureRequired</key>
            <value>false</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>4242424242424242</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>789</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>4</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2030</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>Joe Soap</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example Authentication executePaymentActionRequest (actionID 90):

<?xml version="1.0" encoding="utf-8"?>
<executePaymentActionRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <merchantID>DemoMerchant</merchantID>
    <shopID>Demoshop</shopID>
    <paymentID>74c10d1a-aa90-4f65-84ce-13ad7018122c</paymentID>
    <actionID>90</actionID>
    <actionData>
        <data xsi:type="keyStringValuePair">
            <key>DemoMerchant</key>
            <value>B2BTestMerchant</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>DemoShop</key>
            <value>AdumoShopProvider</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>MD</key>
            <value>26f779c5-29fc-467f-859d-ef7b83714e5b</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>Pares</key>
            <value>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</value>
        </data>
    </actionData>
    <remark>Nice description</remark>
</executePaymentActionRequest>

Example Authorization executePaymentActionRequest (actionID 120):

<executePaymentActionRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>AdumoShopProvider</shopID>
    <paymentID>82371305-f261-4cf6-95b2-1b4296b019c4</paymentID>
    <actionID>120</actionID>
    <remark>Test</remark>
</executePaymentActionRequest>

Example Authorization executePaymentActionResponse (actionID 120):

<executePaymentActionResponse xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <statusCode>1</statusCode>
    <actionResults>
        <result xsi:type="keyStringValuePair">
            <key>lastStateDefinition</key>
            <value>102</value>
        </result>
        <result xsi:type="keyStringValuePair">
            <key>ElectronicCommerceIndicator</key>
            <value>07</value>
        </result>
        <result xsi:type="keyStringValuePair">
            <key>PaymentStateReasonID</key>
            <value>1</value>
        </result>
    </actionResults>
</executePaymentActionResponse>

Example Cancellation executePaymentActionRequest (actionID 1):

<executePaymentActionRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>AdumoShop</shopID>
    <paymentID>d42964b0-19cc-47a0-bc54-00e4eb6898e6</paymentID>
    <actionID>1</actionID>
    <remark>Test</remark>
</executePaymentActionRequest>

Notifications

The standard notification mechanism is used for notifying the merchant in the background (asynchronously) about payment state changes. For more information see PaymentStateChangedNotification.