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Credit card deposits (via Adumo)

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Adumo is processing credit card payments for South Africa.

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

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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>ewogICJhdXRoZW50aWNhdGlvbkp3dCIgOiBudWxsLAogICJzb25nYmlyZEp3dCIgOiAiZXlKMGVYQWlPaUpLVjFRaUxDSmhiR2NpT2lKSVV6STFOaUo5LmV5SlBjbWRWYm1sMFNXUWlPaUkxWkRGalpERTJaVEF6TVdVM016STJaR001TW1VMk16WWlMQ0pQWW1wbFkzUnBabmxRWVhsc2IyRmtJanBtWVd4elpTd2lVbVZtWlhKbGJtTmxTV1FpT2lJM1pUZzVaR0kwWWkxaVpURmxMVFJpTXpndFltVTRNQzFsTVdVd01ERmtNV00zWlRraUxDSnBjM01pT2lJMVpERmpaVFppTmpKbFpUVTRaakJsWkRneVptSmpNMk1pTENKUVlYbHNiMkZrSWpvaWUxd2lUM0prWlhKRVpYUmhhV3h6WENJNmUxd2lRM1Z5Y21WdVkzbERiMlJsWENJNlhDSTNNVEJjSWl4Y0lrOXlaR1Z5VG5WdFltVnlYQ0k2WENJM1pUZzVaR0kwWWkxaVpURmxMVFJpTXpndFltVTRNQzFsTVdVd01ERmtNV00zWlRsY0lpeGNJbFJ5WVc1ellXTjBhVzl1U1dSY0lqcHVkV3hzTEZ3aVFXMXZkVzUwWENJNk1UQXdNWDBzWENKUGNIUnBiMjV6WENJNmUxd2lSVzVoWW14bFEwTkJYQ0k2ZEhKMVpYMTlJaXdpWlhod0lqb3hOall3T1RJd056a3hMQ0pwWVhRaU9qRTJOakE1TWpBeE9URXNJbXAwYVNJNkltRTJaR1prWWpkaExUVTNNREF0TkdJd1lTMWhNemRpTFdVMFpqRmtaakF4Wm1FMU55SjkuSDlXVHF3MlB4N2Y5eWtBal9pdU00ZnlNeVJtRmhNdFBJM2lqUV9uWjNicyIsCiAgImNhcmRCaW4iIDogIjQwMDAwMDAwMCIsCiAgImNhcmRpbmFsSnd0SG9sZGVyIiA6IHsKICAgICJ0cmFuc2FjdGlvbklkIiA6ICI3ZTg5ZGI0Yi1iZTFlLTRiMzgtYmU4MC1lMWUwMDFkMWM3ZTkiLAogICAgInRyYW5zYWN0aW9uYWxKd3QiIDogImV5SjBlWEFpT2lKS1YxUWlMQ0poYkdjaU9pSklVekkxTmlKOS5leUpQY21kVmJtbDBTV1FpT2lJMVpERmpaREUyWlRBek1XVTNNekkyWkdNNU1tVTJNellpTENKUFltcGxZM1JwWm5sUVlYbHNiMkZrSWpwbVlXeHpaU3dpVW1WbVpYSmxibU5sU1dRaU9pSTNaVGc1WkdJMFlpMWlaVEZsTFRSaU16Z3RZbVU0TUMxbE1XVXdNREZrTVdNM1pUa2lMQ0pwYzNNaU9pSTFaREZqWlRaaU5qSmxaVFU0WmpCbFpEZ3labUpqTTJNaUxDSlFZWGxzYjJGa0lqb2llMXdpVDNKa1pYSkVaWFJoYVd4elhDSTZlMXdpUTNWeWNtVnVZM2xEYjJSbFhDSTZYQ0kzTVRCY0lpeGNJazl5WkdWeVRuVnRZbVZ5WENJNlhDSTNaVGc1WkdJMFlpMWlaVEZsTFRSaU16Z3RZbVU0TUMxbE1XVXdNREZrTVdNM1pUbGNJaXhjSWxSeVlXNXpZV04wYVc5dVNXUmNJanB1ZFd4c0xGd2lRVzF2ZFc1MFhDSTZNVEF3TVgwc1hDSlBjSFJwYjI1elhDSTZlMXdpUlc1aFlteGxRME5CWENJNmRISjFaWDE5SWl3aVpYaHdJam94TmpZd09USXdOemt4TENKcFlYUWlPakUyTmpBNU1qQXhPVEVzSW1wMGFTSTZJbUUyWkdaa1lqZGhMVFUzTURBdE5HSXdZUzFoTXpkaUxXVTBaakZrWmpBeFptRTFOeUo5Lkg5V1RxdzJQeDdmOXlrQWpfaXVNNGZ5TXlSbUZoTXRQSTNpalFfblozYnMiLAogICAgImJyb3dzZXJEYXRhIiA6IHsKICAgICAgInVzZXJBZ2VudCIgOiAidW5hdmFpbGFibGUiLAogICAgICAiYnJvd3NlckhlYWRlciIgOiAiYXBwbGljYXRpb24vanNvbiwgYXBwbGljYXRpb24vY2JvciwgYXBwbGljYXRpb24veG1sLCBhcHBsaWNhdGlvbi8qK2pzb24sIHRleHQveG1sLCBhcHBsaWNhdGlvbi8qK3htbCIsCiAgICAgICJpcEFkZHJlc3MiIDogIjEyNy4wLjAuMSIsCiAgICAgICJvcmRlck51bWJlciIgOiAiT0JfMjcwNzIwMjJfMTE1MzEiLAogICAgICAib3JkZXJEZXNjcmlwdGlvbiIgOiAiTmljZSBkZXNjcmlwdGlvbiIKICAgIH0KICB9Cn0=</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.

Updated about 2 months ago