EML Deposit

Payment Method EML Deposit is based on reloadable, prepaid Mastercard debit card that gives cardholders instant access to their funds. Loaded amount can be spent online or offline at any location displaying the Mastercard acceptance mark, excluding limited acceptance merchants in the EU/EEA that do not accept prepaid debit cards. Cash out from the card is also available at any Mastercard ATM worldwide.

The following method IDs are covered in this section:

ID	Name	Credit/Debit State
317	EMLDeposit	DepositedByProvider (29)

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

User logs in to Merchant platform and initiate movement of funds from his\her card to the merchant account
Merchant sends initiatePaymentRequest to PXP
PXP sends payment request to EML
EML responds to Unload request
Merchant receives initiatePaymentResponce from PXP with DepositedByProvider state
Merchant displays result to the user

Redirect Integration

Currently not supported.

Backend2Backend Integration

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

key (value type, account type, required)	value
AccountNumber (string, required)	User's account number

The following parameters can be provided in initiatePaymentRequest.specificPaymentData:

key (value type, account type, required)	value
CountryCode2 (string, required)	Two-digit country code
PaymentDescription (string, required)	Billing descriptor
PaymentDescriptionLanguageCode (string, required)	Two-digit billing descriptor language code

Scenario: Successful Payment

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <merchantID>PXP_Demo</merchantID>
    <shopID>PXP_Demo</shopID>
    <merchantTransactionID>afd234dc7-69da-4dd9-94bf-3d42f63481</merchantTransactionID>
    <paymentMethodID>317</paymentMethodID>
    <amount currencyCode="EUR">10.00</amount>
    <userID>99a3af90-5245-48ca-8c21-b23fdf</userID>
    <userIP>127.0.0.1</userIP>
    <userSessionID>7495c35f-3c55-4a08-a0a0-03f3ed917fbc</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
    	<data xsi:type="keyStringValuePair">
    		<key>PaymentDescription</key>
    		<value>Test  payment description</value>
    	</data>
    	<data xsi:type="keyStringValuePair">
    		<key>PaymentDescriptionLanguageCode</key>
    		<value>en</value>
    	</data>
    	<data xsi:type="keyStringValuePair">
    		<key>CountryCode2</key>
    		<value>AT</value>
    	</data>
    </specificPaymentData>
    <paymentAccountID>8fa1f57f-f5b1-4d82-a1c2-53a0b6cc616</paymentAccountID>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>AccountNumber</key>
                <value>ZT3FLPSWJWGZRNYF</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example response:

<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>PXP_Demo</merchantID>
        <shopID>PXP_Demo</shopID>
        <paymentMethod>
            <key>317</key>
            <value>EMLDeposit</value>
        </paymentMethod>
        <merchantTransactionID>afd234dc7-69da-4dd9-94bf-3d42f63481</merchantTransactionID>
        <paymentID>8089d4cf-7ad4-4730-a3ca-b44bc125685a</paymentID>
        <userID>99a3af90-5245-48ca-8c21-b23fdf</userID>
        <paymentProvider>
            <key>174</key>
            <value>EML</value>
        </paymentProvider>
        <amount currencyCode="EUR">10.00</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>eb5bc886-cdcd-452d-a462-16d3c73d8b18</id>
            <definition>
                <key>29</key>
                <value>DepositedByProvider</value>
            </definition>
            <createdOn>2019-09-02T14:19:03.9334241Z</createdOn>
            <paymentStateDetails xsi:nil="true"></paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">10</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>429137496</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>1726656</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>8fa1f57f-f5b1-4d82-a1c2-53a0b6cc616</paymentAccountID>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>