Credit card deposits (via Kushki)
A white-label card-not-present/B2B solution allowing Merchants to execute SALE transactions.
Supported Payment Methods to Trigger Card Pre-Authorisation
| ID | Name | Credit/Debit State |
|---|---|---|
| 1 | ECMC Deposit | AuthorisedByProvider (13) |
| 2 | Visa Deposit | AuthorisedByProvider (13) |
| 113 | AMEX Deposit | AuthorisedByProvider (13) |
Payment method interaction type: Redirection to External Payment Provider (see Interaction Types).
Supported Creation Types for Card Pre-Authorisation
| ID | Name | Description |
|---|---|---|
| 1 | User | Payment generated by user via web interface |
| 10 | MerchantInitiatedWithStoredAccount | Payment that is initiated by a merchant, with the consent of the cardholder, using the cardholder's stored credit card credentials |
| 11 | UserInitiatedWithStoredAccount | Payment that is initiated by a cardholder using the cardholder's stored credit card credentials |
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="MXN">15.00</amount>
<userID>761805d4-8274-4710-a5ac-7f4bbec37255</userID>
<userData>
<username>newusername</username>
<firstname>Barry</firstname>
<lastname>Allen</lastname>
<currencyCode>MXN</currencyCode>
<languageCode>ES</languageCode>
<email>[email protected]</email>
<address>
<street>José María Pino Suárez</street>
<houseNumber>30</houseNumber>
<houseNumberExtension>B</houseNumberExtension>
<postalCode>06060</postalCode>
<city>Mexico City</city>
<state>Mexico</state>
<countryCode2>MX</countryCode2>
<telephoneNumber>+5260000000</telephoneNumber>
</address>
<dateOfBirth>1980-10-10T00:00:00</dateOfBirth>
<gender>Male</gender>
<identificationNumber>HEGJ820506M10</identificationNumber>
</userData>
<userIP>127.0.0.1</userIP>
<userSessionID>97741380-002w-4a09-2bad-7fbca3c512s0-v0</userSessionID>
<creationTypeID>1</creationTypeID>
<specificPaymentData>
<data xsi:type="keyStringValuePair">
<key>PaymentDescription</key>
<value>5ded6850-b5b8-476f-8f29-bc2ad78b9e2e</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>012</value>
</data>
<data xsi:type="keyIntValuePair">
<key>ExpiryMonth</key>
<value>11</value>
</data>
<data xsi:type="keyIntValuePair">
<key>ExpiryYear</key>
<value>2032</value>
</data>
<data xsi:type="keyStringValuePair">
<key>HolderName</key>
<value>Barry Allen</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">45.88</amount>
<userID>761805d4-8274-4710-a5ac-7f4bbec37255</userID>
<userData>
<username>newusername</username>
<firstname>Barry</firstname>
<lastname>Allen</lastname>
<currencyCode>MXN</currencyCode>
<languageCode>ES</languageCode>
<email>[email protected]</email>
<address>
<street>José María Pino Suárez</street>
<houseNumber>30</houseNumber>
<houseNumberExtension>B</houseNumberExtension>
<postalCode>06060</postalCode>
<city>Mexico City</city>
<state>Mexico</state>
<countryCode2>MX</countryCode2>
<telephoneNumber>+5260000000</telephoneNumber>
</address>
<dateOfBirth>1980-10-10T00:00:00</dateOfBirth>
<gender>Male</gender>
<identificationNumber>HEGJ820506M10</identificationNumber>
</userData>
<userIP>127.0.0.1</userIP>
<userSessionID>97741380-002w-4a09-2bad-7fbca3c512s0-v0</userSessionID>
<creationTypeID>1</creationTypeID>
<specificPaymentData>
<data xsi:type="keyStringValuePair">
<key>PaymentDescription</key>
<value>5ded6850-b5b8-476f-8f29-bc2ad78b9e2e</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>5451951574925480</value>
</data>
<data xsi:type="keyStringValuePair">
<key>CardVerificationCode</key>
<value>012</value>
</data>
<data xsi:type="keyIntValuePair">
<key>ExpiryMonth</key>
<value>06</value>
</data>
<data xsi:type="keyIntValuePair">
<key>ExpiryYear</key>
<value>2032</value>
</data>
<data xsi:type="keyStringValuePair">
<key>HolderName</key>
<value>Barry Allen</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>77b9d942-efa4-49ff-8549-1deb002e6c12</paymentID>
<userID>761805d4-8274-4710-a5ac-7f4bbec37255</userID>
<paymentProvider>
<key>202</key>
<value>Kushki</value>
</paymentProvider>
<amount currencyCode="MXN">15.00</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>55207c8f-5d85-4332-a033-52339849649d</id>
<definition>
<key>13</key>
<value>AuthorisedByProvider</value>
</definition>
<createdOn>2025-06-20T12:11:57.281902Z</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">0.89</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ElectronicCommerceIndicator</key>
<value>07</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>Token</key>
<value>c0e97a7e7e6c4c22ba4c424cc2a34a7a</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>741918217340875500</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>201735</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>1cc29a56-e64c-4599-bb51-11d9ee96a8ff</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>1329b1c7-f57c-4f25-a3ab-98f95ec3dfd1</paymentID>
<userID>761805d4-8274-4710-a5ac-7f4bbec37255</userID>
<paymentProvider>
<key>202</key>
<value>Kushki</value>
</paymentProvider>
<amount currencyCode="MXN">45.88</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>0f6eb02d-9082-42c7-a63e-44ab3741c071</id>
<definition>
<key>13</key>
<value>AuthorisedByProvider</value>
</definition>
<createdOn>2025-06-20T12:09:49.5534874Z</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">2.72</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ElectronicCommerceIndicator</key>
<value>07</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>Token</key>
<value>13447cc290884f31b42ec421d9b4e351</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>508504254073823639</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>201734</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>6db3fb2a-c6af-4d14-a267-95997f30f212</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>MaskedNumber</key>
<value>545195******5480</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>AccountOwnerToken</key>
<value>78e8aa28-5f81-4c65-9423-fd9232086564</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>ExpiryMonth</key>
<value>6</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>ExpiryYear</key>
<value>2032</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>HolderName</key>
<value>Barry Allen</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>CardType</key>
<value>Mastercard</value>
</detail>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>Example initiatePaymentResponse (state InitiatePaymentAccountTokenErrorReportedByProvider):
<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>ab0278d1-c891-459d-9314-c6bd3ced01a3</merchantTransactionID>
<paymentID>6829ceab-26f7-41e0-9d8d-e0b6b3adff88</paymentID>
<userID>761805d4-8274-4710-a5ac-7f4bbec37255</userID>
<paymentProvider>
<key>202</key>
<value>Kushki</value>
</paymentProvider>
<amount currencyCode="MXN">45.88</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>3beaa143-ba99-43b3-a92c-6b79286599bd</id>
<definition>
<key>551</key>
<value>InitiatePaymentAccountTokenErrorReportedByProvider</value>
</definition>
<createdOn>2025-06-20T12:06:38.5254517Z</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderErrorResponseCode</key>
<value>K006</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderErrorResponseMessage</key>
<value>DFR029 - Bin de tarjeta inválido</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">2.72</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ElectronicCommerceIndicator</key>
<value>07</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>201733</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>0cdc94f6-1e85-4611-b68e-0fda7899e684</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>MaskedNumber</key>
<value>555555******4444</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>AccountOwnerToken</key>
<value>75a5c231-e161-4ee8-9355-6d8202d89791</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>ExpiryMonth</key>
<value>6</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>ExpiryYear</key>
<value>2032</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>HolderName</key>
<value>Barry Allen</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>CardType</key>
<value>Mastercard</value>
</detail>
</details>
</paymentAccount>
</payment>
</initiatePaymentResponse>Testcard number: 4574441215190335/5555555555554444
Example initiatePaymentResponse (state InitiatePaymentAccountTokenCommunicationErrorOccurred):
<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>85f33cf1-a876-4c46-a97f-bd242b92ae6e</paymentID>
<userID>761805d4-8274-4710-a5ac-7f4bbec37255</userID>
<paymentProvider>
<key>202</key>
<value>Kushki</value>
</paymentProvider>
<amount currencyCode="MXN">15.00</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>090c1c9e-fe47-47b0-83c3-9e91475c7960</id>
<definition>
<key>549</key>
<value>InitiatePaymentAccountTokenCommunicationErrorOccurred</value>
</definition>
<createdOn>2025-06-20T13:30:50.1436365Z</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>PaymentStateReasonID</key>
<value>1</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">0.89</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ElectronicCommerceIndicator</key>
<value>07</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>201760</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>1cc29a56-e64c-4599-bb51-11d9ee96a8ff</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>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 |
Updated 2 days ago