Discover Deposit via Vantiv

The following method IDs are covered in this section:

ID	Name	Credit/Debit State
189	DiscoverDeposit	AuthorisedByProvider (13) CapturedByProvider (27)

Payment method interaction type: Synchronous Execution (see Interaction Types)

PXP Checkout

There are no specific steps for initiating Card Deposits with Redirect Integration. Refer to Initiate New Payment (Redirect) for the standard steps.

Backend2Backend Integration

🚧
Card registration via Frontend2Backend
Merchant can reduce their PCI scope by registering the card PAN through API version 4 (Frontend2Backend approach).

To initiate a card deposit the initiatePayment web method should be invoked. The following table contains the fields to be sent in the specificPaymentAccountData xml section for card deposits:

key (value type, account type, required)	value
CardNumber (string, required)	PAN, e.g. 6011000000000012
CardVerificationCode (string, required)	CVC, 3 or 4-digit number, e.g. 333
HolderName (string, required)	Cardholder name, e.g. John Doe
ExpiryMonth (string, required)	Expiration month of the card, e.g. 12
ExpiryYear (string, required)	Expiration year of the card, e.g. 2019

The following table contains the fields to be sent in the specificPaymentData xml section for card deposits:

key (value type, account type, required)	value
PaymentDescription (string)	payment description
PaymentDescriptionLanguageCode (string)	payment description language code
PaymentProviderID (string)	124 for Vantiv

Example 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>Testmerchant</merchantID>
	<shopID>TEstshop</shopID>
	<merchantTransactionID>e73a439f-bd4f-4cf7-83ec-fa20ae459618</merchantTransactionID>
	<paymentMethodID>189</paymentMethodID>
	<amount currencyCode="USD">10</amount>
	<userID>b98d3db0-feef-4a93-9e94-da3e05</userID>
	<userData>
    <username>testusername</username>
		<firstname>Clark</firstname>
		<lastname>Kent</lastname>
		<address>
			<street>440, Teststreet</street>
			<postalCode>90210</postalCode>
			<city>Atlantic City</city>
			<state>NJ</state>
			<countryCode2>US</countryCode2>
			<telephoneNumber>39193 2929 20</telephoneNumber>
		</address>
		<gender>Male</gender>
	</userData>
	<userIP>10.10.10.10</userIP>
	<userSessionID>45701940-2ed1-483f-9752-d9e48ee7d33d</userSessionID>
	<creationTypeID>3</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>124</value>
		</data>
	</specificPaymentData>
	<paymentAccount>
		<specificPaymentAccountData>
			<data xsi:type="keyStringValuePair">
				<key>CardNumber</key>
				<value>6011000000000012</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>HolderName</key>
				<value>e2f69a13-ea7a-4868-b025-49e4c03bc137</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryMonth</key>
				<value>6</value>
			</data>
			<data xsi:type="keyIntValuePair">
				<key>ExpiryYear</key>
				<value>2099</value>
			</data>
			<data xsi:type="keyStringValuePair">
				<key>CardVerificationCode</key>
				<value>111</value>
			</data>
		</specificPaymentAccountData>
	</paymentAccount>
</initiatePaymentRequest>

Example initiatePaymentResponse (success response):

<?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>B2BTestMerchant</merchantID>
		<shopID>VantivShop</shopID>
		<paymentMethod>
			<key>189</key>
			<value>DiscoverDeposit</value>
		</paymentMethod>
		<merchantTransactionID>e73a439f-bd4f-4cf7-83ec-fa20ae459618</merchantTransactionID>
		<paymentID>b5c25aca-d27d-41a3-9d23-e9167d383d69</paymentID>
		<userID>b98d3db0-feef-4a93-9e94-da3e05</userID>
		<paymentProvider>
			<key>124</key>
			<value>Vantiv</value>
		</paymentProvider>
		<amount currencyCode="USD">10</amount>
		<creationType>
			<key>3</key>
			<value>Api</value>
		</creationType>
		<userIP>10.10.10.10</userIP>
		<state>
			<id>eaa39b2a-7a1a-4804-bb83-83d1cb45de7c</id>
			<definition>
				<key>13</key>
				<value>AuthorisedByProvider</value>
			</definition>
			<createdOn>2020-05-15T10:02:52.4389824Z</createdOn>
			<description>[SUCCESS](ApprovalCode:[343433])</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>100</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Transaction was Approved</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ApprovalCode</key>
					<value>343433</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">7.51</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ElectronicCommerceIndicator</key>
				<value>07</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>7733</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>528209</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>5e7cf039-4279-426d-8612-8361e0ca0d74</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>************0012</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>6c5323ec-47e0-4a14-8d46-b6479ef50d1a</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>6</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2099</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>e2f69a13-ea7a-4868-b025-49e4c03bc137</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>Discover</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse (refused response):

<?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>B2BTestMerchant</merchantID>
		<shopID>VantivShop</shopID>
		<paymentMethod>
			<key>189</key>
			<value>DiscoverDeposit</value>
		</paymentMethod>
		<merchantTransactionID>23aae6a8-2878-4864-86ac-fde6a232c97f</merchantTransactionID>
		<paymentID>137560c6-5392-4e68-9f97-3f844e7494fb</paymentID>
		<userID>345345</userID>
		<paymentProvider>
			<key>124</key>
			<value>Vantiv</value>
		</paymentProvider>
		<amount currencyCode="USD">1.51</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>10.10.10.10</userIP>
		<state>
			<id>8f62e65d-cfbf-4588-b769-146aec880c12</id>
			<definition>
				<key>100</key>
				<value>RefusedByProvider</value>
			</definition>
			<createdOn>2019-10-08T07:50:09.8337361Z</createdOn>
			<description>[DECLINE](ResponseCode:[200] - [Transaction was Declined by Processor])</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>200</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Transaction was Declined by Processor</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>4000</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonMessage</key>
					<value>BlockedByProviderRiskManagement</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">1.13</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ElectronicCommerceIndicator</key>
				<value>07</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>AM0002</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>489613</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>***********0002</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>8</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2024</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>Georgi Georgiev</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>Discover</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse (error response):

<?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>B2BTestMerchant</merchantID>
		<shopID>VantivShop</shopID>
		<paymentMethod>
			<key>189</key>
			<value>DiscoverDeposit</value>
		</paymentMethod>
		<merchantTransactionID>002e5428-d776-4bb8-a414-9194ebfee218</merchantTransactionID>
		<paymentID>a5170c28-7be0-4ab1-91b5-c5a2d90aa315</paymentID>
		<userID>345345</userID>
		<paymentProvider>
			<key>124</key>
			<value>Vantiv</value>
		</paymentProvider>
		<amount currencyCode="USD">10</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>10.10.10.10</userIP>
		<state>
			<id>0e0cd010-55c7-4288-9d84-880d758e719d</id>
			<definition>
				<key>14</key>
				<value>AuthoriseErrorReportedByProvider</value>
			</definition>
			<createdOn>2019-10-08T07:50:15.96351Z</createdOn>
			<description>[DECLINE](ResponseCode:[400] - [Transaction Error Returned by Processor])</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>400</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Transaction Error Returned by Processor</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonMessage</key>
					<value>ProviderTechnicalProblem</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">7.51</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ElectronicCommerceIndicator</key>
				<value>07</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>AM0010</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>489614</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
			<details>
				<detail xsi:type="keyStringValuePair">
					<key>MaskedNumber</key>
					<value>***********0002</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>AccountOwnerToken</key>
					<value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryMonth</key>
					<value>8</value>
				</detail>
				<detail xsi:type="keyIntValuePair">
					<key>ExpiryYear</key>
					<value>2024</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>HolderName</key>
					<value>Georgi Georgiev</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>CardType</key>
					<value>Discover</value>
				</detail>
			</details>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Notifications

Example handlePaymentStateChangedNotificationRequest for Discover Deposit in state AuthorisedByProvider:

<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xmlns="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>VantivShop</shopID>
   <paymentMethod>
			<key>189</key>
			<value>DiscoverDeposit</value>
		</paymentMethod>
    <merchantTransactionID>408aeb84-8756-4d15-8065-f8e1962d90eb</merchantTransactionID>
    <paymentID>60a760e6-2883-498b-8f65-8a95f779e6d4</paymentID>
    <userID>345345</userID>
    <paymentProvider>
      <key>124</key>
      <value>Vantiv</value>
    </paymentProvider>
    <amount currencyCode="USD">3.2300</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>10.10.10.10</userIP>
    <state>
      <id>fd850a85-17e4-4701-9d67-9e7590606a1c</id>
      <definition>
        <key>13</key>
        <value>AuthorisedByProvider</value>
      </definition>
      <createdOn>2019-10-08T07:50:02.667</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>100</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseMessage</key>
          <value>Transaction was Approved</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ApprovalCode</key>
          <value>11555f51-6bcb-4eb3-b831-3aa76ad9ccdc</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>true</isExecuted>
    <baseAmount currencyCode="EUR">2.4300</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>489612</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderTransactionID</key>
        <value>AM0003</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ElectronicCommerceIndicator</key>
        <value>07</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
      <details>
        <detail xsi:type="keyStringValuePair">
          <key>MaskedNumber</key>
          <value>***********0002</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>AccountOwnerToken</key>
          <value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryMonth</key>
          <value>8</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryYear</key>
          <value>2024</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>HolderName</key>
          <value>Georgi Georgiev</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>CardType</key>
          <value>Discover</value>
        </detail>
      </details>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

Example handlePaymentStateChangedNotificationRequest for Discover Deposit in state RefusedByProvider:

<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xmlns="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>VantivShop</shopID>
    <paymentMethod>
			<key>189</key>
			<value>DiscoverDeposit</value>
		</paymentMethod>
    <merchantTransactionID>23aae6a8-2878-4864-86ac-fde6a232c97f</merchantTransactionID>
    <paymentID>137560c6-5392-4e68-9f97-3f844e7494fb</paymentID>
    <userID>345345</userID>
    <paymentProvider>
      <key>124</key>
      <value>Vantiv</value>
    </paymentProvider>
    <amount currencyCode="USD">1.5100</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>10.10.10.10</userIP>
    <state>
      <id>8f62e65d-cfbf-4588-b769-146aec880c12</id>
      <definition>
        <key>100</key>
        <value>RefusedByProvider</value>
      </definition>
      <createdOn>2019-10-08T07:50:09.833</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>200</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseMessage</key>
          <value>Transaction was Declined by Processor</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>PaymentStateReasonID</key>
          <value>4000</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>PaymentStateReasonMessage</key>
          <value>BlockedByProviderRiskManagement</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>false</isExecuted>
    <baseAmount currencyCode="EUR">1.1300</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>489613</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderTransactionID</key>
        <value>AM0002</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ElectronicCommerceIndicator</key>
        <value>07</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
      <details>
        <detail xsi:type="keyStringValuePair">
          <key>MaskedNumber</key>
          <value>***********0002</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>AccountOwnerToken</key>
          <value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryMonth</key>
          <value>8</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryYear</key>
          <value>2024</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>HolderName</key>
          <value>Georgi Georgiev</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>CardType</key>
          <value>Discover</value>
        </detail>
      </details>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

Example handlePaymentStateChangedNotificationRequest for Discover Deposit in state AuthoriseErrorReportedByProvider:

<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xmlns="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>VantivShop</shopID>
    <paymentMethod>
			<key>189</key>
			<value>DiscoverDeposit</value>
		</paymentMethod>
    <merchantTransactionID>002e5428-d776-4bb8-a414-9194ebfee218</merchantTransactionID>
    <paymentID>a5170c28-7be0-4ab1-91b5-c5a2d90aa315</paymentID>
    <userID>345345</userID>
    <paymentProvider>
      <key>124</key>
      <value>Vantiv</value>
    </paymentProvider>
    <amount currencyCode="USD">10.0000</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>10.10.10.10</userIP>
    <state>
      <id>0e0cd010-55c7-4288-9d84-880d758e719d</id>
      <definition>
        <key>14</key>
        <value>AuthoriseErrorReportedByProvider</value>
      </definition>
      <createdOn>2019-10-08T07:50:15.963</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>400</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseMessage</key>
          <value>Transaction Error Returned by Processor</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>PaymentStateReasonID</key>
          <value>1</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>PaymentStateReasonMessage</key>
          <value>ProviderTechnicalProblem</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>false</isExecuted>
    <baseAmount currencyCode="EUR">7.5100</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>489614</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ElectronicCommerceIndicator</key>
        <value>07</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
      <details>
        <detail xsi:type="keyStringValuePair">
          <key>MaskedNumber</key>
          <value>***********0002</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>AccountOwnerToken</key>
          <value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryMonth</key>
          <value>8</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryYear</key>
          <value>2024</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>HolderName</key>
          <value>Georgi Georgiev</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>CardType</key>
          <value>Discover</value>
        </detail>
      </details>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

Example handlePaymentStateChangedNotificationRequest for Discover Deposit in state CapturedByProvider:

<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <payment xmlns="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>VantivShop</shopID>
   <paymentMethod>
			<key>189</key>
			<value>DiscoverDeposit</value>
		</paymentMethod>
    <merchantTransactionID>408aeb84-8756-4d15-8065-f8e1962d90eb</merchantTransactionID>
    <paymentID>60a760e6-2883-498b-8f65-8a95f779e6d4</paymentID>
    <userID>345345</userID>
    <paymentProvider>
      <key>124</key>
      <value>Vantiv</value>
    </paymentProvider>
    <amount currencyCode="USD">3.2300</amount>
    <creationType>
      <key>1</key>
      <value>User</value>
    </creationType>
    <userIP>10.10.10.10</userIP>
    <state>
      <id>231f851a-6611-4b65-956c-9e1b7e7ecfc4</id>
      <definition>
        <key>27</key>
        <value>CapturedByProvider</value>
      </definition>
      <createdOn>2019-10-08T08:04:48.62</createdOn>
      <paymentStateDetails>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseCode</key>
          <value>100</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ProviderResponseMessage</key>
          <value>Transaction was Approved</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>ApprovalCode</key>
          <value>123456</value>
        </detail>
      </paymentStateDetails>
    </state>
    <isExecuted>true</isExecuted>
    <baseAmount currencyCode="EUR">2.4300</baseAmount>
    <paymentDetails>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderExternalID</key>
        <value>489612</value>
      </detail>
      <detail xsi:type="keyIntValuePair">
        <key>MerchantSettlementCurrencyID</key>
        <value>2</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ProviderTransactionID</key>
        <value>AM0003</value>
      </detail>
      <detail xsi:type="keyStringValuePair">
        <key>ElectronicCommerceIndicator</key>
        <value>07</value>
      </detail>
    </paymentDetails>
    <paymentAccount>
      <paymentAccountID>c93f1a5e-0267-42f5-b4be-9401cd46d8fe</paymentAccountID>
      <details>
        <detail xsi:type="keyStringValuePair">
          <key>MaskedNumber</key>
          <value>***********0002</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>AccountOwnerToken</key>
          <value>7e06d161-d4e2-4cb4-93ff-44ada43dab89</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryMonth</key>
          <value>8</value>
        </detail>
        <detail xsi:type="keyIntValuePair">
          <key>ExpiryYear</key>
          <value>2024</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>HolderName</key>
          <value>Georgi Georgiev</value>
        </detail>
        <detail xsi:type="keyStringValuePair">
          <key>CardType</key>
          <value>Discover</value>
        </detail>
      </details>
    </paymentAccount>
  </payment>
</handlePaymentStateChangedNotificationRequest>

Refunds

Refunds are initiated with the request initiatePaymentFromReference or from the PS Admin interface.

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentFromReferenceRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <merchantID>Testmerchant</merchantID>
    <shopID>TestShop</shopID>
    <originalPaymentID>fb319681-9a88-4c6d-a2c2-45bc501a4cc5</originalPaymentID>
    <merchantTransactionID>27b853c0-d41a-460b-93b2-55503b6e7fad</merchantTransactionID>
    <paymentMethodID>190</paymentMethodID>
    <amount currencyCode="USD">19.65</amount>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>refund description</value>
        </data>
    </specificPaymentData>
</initiatePaymentFromReferenceRequest>

Mock Testing

If mock testing is enabled, merchant can pass an amount with .88 and the first part is returned as the error code with a DECLINED response.

e.g. the amount 250.88 results in error code 250.

This applies the following list of error codes. If an amount is passed without a corresponding error code in the list below, then the description will be empty.

200	Transaction was Declined by Processor
201	Do Not Honor
202	Insufficient Funds
203	Over Limit
204	Transaction not allowed
220	Incorrect payment Data
221	No Such Card Issuer
222	No Card Number on file with Issuer
223	Expired Card
224	Invalid Expiration Date
225	Invalid Card Security Code
240	Call Issuer for Further Information
250	Pick Up Card
251	Lost Card
252	Stolen Card
253	Fraudulent Card
260	Declined With further Instructions Available (see response text)
261	Declined - Stop All Recurring Payments
262	Declined - Stop this Recurring Program
263	Declined - Update Cardholder Data Available
264	Declined - Retry in a few days
300	Transaction was Rejected by Gateway
400	Transaction Error Returned by Processor
410	Invalid Merchant Configuration
411	Merchant Account is Inactive
420	Communication Error
421	Communication Error with Issuer
430	Duplicate Transaction at Processor
440	Processor Format Error
441	Invalid Transaction Information
460	Processor Feature Not Available
461	Unsupported Card Type
801	Rule Match
811	BIN Match – Private
812	BIN Match – Global
813	Account Number Match – Private
814	Account Number Match – Global
815	Email Domain Match – Private
816	Email Domain Match – Global
817	Email Address Match – Private
818	Email Address Match – Global
819	IP Address Match – Private
820	IP Address Match – Global
821	IP Address Wildcard Match – Private
822	IP Address Wildcard Match – Global
823	Configuration Error - No Merchant Account
824	No Active Merchant Accounts
881	Refund Transaction Mismatch
882	Refund Transaction Not Found
883	Refund Exceeds Transaction Balance
884	Max Monthly Limit Exceeded
885	Max Daily Limit Exceeded
886	Max Ticket Limit Exceeded
887	Configuration Error – No Product Group
888	All Merchant Account Limits Exceeded
889	Card Type Not Supported
890	Merchant Account Limit Exceeded on Sticky Transactions
891	AVS Match
892	CVV Matchdescription
893	Score Match
894	User Not Authorized to Submit Transaction

PXP Checkout

Backend2Backend Integration

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Notifications

Refunds

Mock Testing

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