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).

  1. User logs in to Merchant platform and initiate movement of funds from his\her card to the merchant account

  2. Merchant sends initiatePaymentRequest to PXP

  3. PXP sends payment request to EML

  4. EML responds to Unload request

  5. Merchant receives initiatePaymentResponce from PXP with DepositedByProvider state

  6. 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>