Credit card deposits (via Kushki)

Kushki is processing credit card payments for Latin America, in particular Mexico and Columbia.

The provider is called "Kushki", the providerID is 202.

The following method IDs are covered in this section:

ID	Name	Credit/Debit State
2	Visa Deposit	AuthorisedByProvider (13)
1	ECMC Deposit	AuthorisedByProvider (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 - 202 for Kushki

Please note that sending data of the user is essential for this payment method as the data is sent to provider. The following parameters are recommended in initiatePaymentRequest.userData xml section and are required by the provider Kushki:

key (value type, account type, required)	value
Firstname (string)	The user’s first name
Lastname (string)	The user’s last name
Email (string)	The user’s email address
identificationNumber (string)	The user´s document ID
telephoneNumber (string)	The user´s phone number prefixed with the country code (Mexico: +52, Colombia: +57)
address > street (string)	The user´s street address
address > houseNumber (string)	The user´s house number
address > postalCode (string)	The user´s postalCode
address > city (string)	The user´s city
address > state (string)	The user´s state
address > countryCode2 (string)	The user´s country code

Example initiatePaymentRequest:

<initiatePaymentRequest
    xmlns="http://www.cqrpayments.com/PaymentProcessing"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <merchantID>DemoMerchant</merchantID>
    <shopID>DemoShop</shopID>
    <merchantTransactionID>1111141</merchantTransactionID>
    <paymentMethodID>2</paymentMethodID>
    <amount currencyCode="COP">10.00</amount>
    <userID>111111</userID>
    <userData>
        <username>newusername</username>
        <firstname>John</firstname>
        <lastname>Doe</lastname>
        <currencyCode>COP</currencyCode>
        <languageCode>EN</languageCode>
        <email>[email protected]</email>
        <address>
            <street>Eloy Alfaro y Catalina Aldaz</street>
            <houseNumber>139</houseNumber>
            <houseNumberExtension>B</houseNumberExtension>
            <postalCode>170402</postalCode>
            <city>Cartagena</city>
            <state>Bolivar</state>
            <countryCode2>CO</countryCode2>
            <telephoneNumber>+576076575338</telephoneNumber>
        </address>
        <dateOfBirth>1980-10-10T00:00:00</dateOfBirth>
        <gender>Male</gender>
        <identificationNumber>HEGJ820506M10</identificationNumber>
    </userData>
    <userIP>80.121.151.158</userIP>
    <userSessionID>t02d03hwaxkrl5gmabcypwmm</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>202</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>4111111111111517</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>2023</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>ab0278d1-c891-459d-9314-c6bd3ced01a3</merchantTransactionID>
    <paymentMethodID>1</paymentMethodID>
    <amount currencyCode="MXN">99.99</amount>
    <userID>zc1544de-7443-45f6-976e-d253c2</userID>
    <userData>
        <username>Johndoe</username>
        <firstname>John</firstname>
        <lastname>Doe</lastname>
        <currencyCode>MXN</currencyCode>
        <languageCode>EN</languageCode>
        <email>[email protected]</email>
        <address>
            <street>Eloy Alfaro y Catalina Aldaz</street>
            <houseNumber>139</houseNumber>
            <houseNumberExtension>B</houseNumberExtension>
            <postalCode>170402</postalCode>
            <city>Cartagena</city>
            <state>Bolivar</state>
            <countryCode2>MX</countryCode2>
            <telephoneNumber>+523515170202</telephoneNumber>
        </address>
        <gender>Male</gender>
        <identificationNumber>HEGJ820506M10</identificationNumber>
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>3a236df3-01ad-4919-8f05-1314549a7bc0</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>162546b8-c47f-4d31-b303-74f780af7570</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>PaymentProviderID</key>
            <value>202</value>
        </data>
    </specificPaymentData>
    <paymentAccountID>dfby945c4-9cx5c2-4034-8234-2628z4c12836n</paymentAccountID>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>5451951574925480</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2025</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>12</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>123</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>John Doe</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example 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>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>1111141</merchantTransactionID>
        <paymentID>0a708c1c-8588-40a2-a86a-9e379a2ab117</paymentID>
        <userID>111111</userID>
        <paymentProvider>
            <key>202</key>
            <value>Kushki</value>
        </paymentProvider>
        <amount currencyCode="COP">10.00</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>80.121.151.158</userIP>
        <state>
            <id>e9b67203-b94f-4f25-a8ca-eeac76f08439</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2022-08-17T15:21:55.6746329Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseMessage</key>
                    <value>Approved or completed successfully</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ApprovalCode</key>
                    <value>000000</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">0</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>Token</key>
                <value>f4a103f2142e4a0b9142be203d55d25b</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>191415743849689436</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>2247</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>8dfc78d2-1a69-4140-b42b-6039b1bd6536</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>

<?xml version="1.0" encoding="utf-8"?>
<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>DemoMerchant</merchantID>
        <shopID>DemoShop</shopID>
        <paymentMethod>
            <key>1</key>
            <value>ECMC Deposit</value>
        </paymentMethod>
        <merchantTransactionID>ab0278d1-c891-459d-9314-c6bd3ced01a3</merchantTransactionID>
        <paymentID>c87694f2-04db-445a-8a1a-a36d10d65031</paymentID>
        <userID>zc1544de-7443-45f6-976e-d253c2</userID>
        <paymentProvider>
            <key>202</key>
            <value>Kushki</value>
        </paymentProvider>
        <amount currencyCode="MXN">99.99</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>ff315b73-0cb5-4768-8c6b-fc4be004ed99</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2022-05-13T08:32:18.7766473Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseMessage</key>
                    <value>Approved or completed successfully</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">75.13</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>8682116</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>c87694f2-04db-445a-8a1a-a36d10d65031</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>dfby945c4-9cx5c2-4034-8234-2628z4c12836n</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>MaskedNumber</key>
                    <value>545195******5480</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwnerToken</key>
                    <value>be8d4fa5-1bf2-4079-ab1d-62073b8e45e8</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryMonth</key>
                    <value>12</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryYear</key>
                    <value>2025</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>HolderName</key>
                    <value>John Doe</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CardType</key>
                    <value>Mastercard</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Example initiatePaymentResponse (state InitiateAccountTokenErrorReportedByProvider):

<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>11111421</merchantTransactionID>
        <paymentID>c785a5c2-7ea1-4243-933e-4ccc179f6562</paymentID>
        <userID>111111</userID>
        <paymentProvider>
            <key>202</key>
            <value>Kushki</value>
        </paymentProvider>
        <amount currencyCode="COP">350.00</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>80.121.151.158</userIP>
        <state>
            <id>12f33c9b-2daa-4e43-b23a-90e50cffe0d7</id>
            <definition>
                <key>551</key>
                <value>InitiatePaymentAccountTokenErrorReportedByProvider</value>
            </definition>
            <createdOn>2022-08-18T11:56:29.2356767Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderErrorResponseCode</key>
                    <value>017</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderErrorResponseMessage</key>
                    <value>Transacción declinada.</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">0.14</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>2629</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>016cfb2d-b822-48d3-8c5c-3beccd9ad27e</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerCountry</key>
                    <value>KW</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>

Testcard number: 4574441215190335

Example initiatePaymentResponse (state RefusedByProvider):

<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <payment xsi:type="paymentWithPaymentAccount">
        <merchantID>B2BTestMerchant</merchantID>
        <shopID>KushkiProviderShop</shopID>
        <paymentMethod>
            <key>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>111114211</merchantTransactionID>
        <paymentID>6ee52a9d-c5cb-41af-afd1-b4955afcf69b</paymentID>
        <userID>111111</userID>
        <paymentProvider>
            <key>202</key>
            <value>Kushki</value>
        </paymentProvider>
        <amount currencyCode="COP">350.00</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>80.121.151.158</userIP>
        <state>
            <id>182feb81-2667-404a-adbb-9c3568894044</id>
            <definition>
                <key>100</key>
                <value>RefusedByProvider</value>
            </definition>
            <createdOn>2022-08-18T11:59:35.1765433Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>6</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseMessage</key>
                    <value>Error</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">0.14</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>Token</key>
                <value>38f618baf19c4831a4e7d605bf51f958</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>2630</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>75929a10-c3b8-4f0d-a63a-82d135ec91e1</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerCountry</key>
                    <value>EC</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountFundingSource</key>
                    <value>Credit</value>
                </detail>
                <detail xsi:type="keyBooleanValuePair">
                    <key>FastFunds</key>
                    <value>false</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>IssuerName</key>
                    <value>UNKNOWN</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Notifications

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

Payment States	Description
AuthorisedByProvider	Success state
RefusedByProvider	Payment has been rejected by the provider.
AuthoriseErrorReportedByProvider	Payment has an error reported by the provider.
AuthoriseCommunicationErrorOccurred	A communication error has occurred

Example handlePaymentStateChangedNotificationRequest (state RefusedByProvider):

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest 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>DemoMerchant</merchantID>
        <shopID>DemoShop</shopID>
        <paymentMethod>
            <key>1</key>
            <value>ECMC Deposit</value>
        </paymentMethod>
        <merchantTransactionID>7fd84823-325f-4c24-9160-b3f537ad3857</merchantTransactionID>
        <paymentID>9462b4f7-2617-4eb9-a85c-51f71608c462</paymentID>
        <userID>54fd76c3-459b-4a30-8e82-9c0716</userID>
        <paymentProvider>
            <key>202</key>
            <value>Kushki</value>
        </paymentProvider>
        <amount currencyCode="COP">106.0200</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>4b2e6d7c-788f-4de9-9843-e88a4bf037db</id>
            <definition>
                <key>100</key>
                <value>RefusedByProvider</value>
            </definition>
            <createdOn>2022-08-02T12:38:45.953</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderErrorResponseCode</key>
                    <value>017</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderErrorResponseMessage</key>
                    <value>Invalid card</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">0.0400</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>1</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>Token</key>
                <value>7d658056-8bce-407d-a564-2de922fac446</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>44c0fd9b-b3a7-48f0-85f6-065a0aecee27</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>4</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryYear</key>
                    <value>2030</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>HolderName</key>
                    <value>Pepe Alonso</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CardType</key>
                    <value>Mastercard</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</handlePaymentStateChangedNotificationRequest>

Example handlePaymentStateChangedNotificationRequest (state AuthorisedByProvider):

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest 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>DemoMerchant</merchantID>
        <shopID>DemoShop</shopID>
        <paymentMethod>
            <key>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>1d609ff7-2d84-4bde-8ef7-965fc5ba6dfa</merchantTransactionID>
        <paymentID>7e537a99-0558-40ed-908f-5383632bd648</paymentID>
        <userID>cb385eaf-16a0-4e44-943c-994232</userID>
        <paymentProvider>
            <key>202</key>
            <value>Kushki</value>
        </paymentProvider>
        <amount currencyCode="COP">104.0100</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>9b377ef2-3ca1-43f2-b097-7ee1673fb21b</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2022-08-02T12:37:07.297</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ApprovalCode</key>
                    <value>000000</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">0.0400</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>1</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>8906365111</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>Token</key>
                <value>e40f59ef-9104-454c-998e-c703d034b593</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>900edaf5-a594-4790-b372-93953235ccee</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>
</handlePaymentStateChangedNotificationRequest>

Test Data (provider)

Card Number	Result	State
4349003000047015	Transaction refused by Kushki	RefusedByProvider
5451951574925480	Successful transaction	AuthorisedByProvider
4574441215190335	Card number refused by Kushki	InitiatePaymentAccountTokenErrorReportedByProvider