PSD 2 Test Cases

Introduction

Pre-requisites

  1. The desired exemptions are configured.
  2. You have a test account
  3. You are ready with the Backend-to-Backed integration for initiating payments
  4. Inform us that you can accept SchemeTransactionIdentifier in the responses from us

Instructions

  1. Use the following payment methods: Visa/ MasterCard/ Maestro Deposits, PreAuthorisations when there is no explicitly defined payment method in the "Key Data Fields" column.
  2. Use the creation type "User" when there is no expicitly defined creation type in the "Key Data Fields" column.
  3. If you find it more convenient, use the sample initiatePayment requests at bottom of the page and modify them as per the requirements in each test case.

Test Cases

The pack of test cases is also available in .xls format. Please contact PXP Financial Support to provide it to you.

Default SCA Behaviour

The merchant has Policy 1 configured

Test Case

Test Description

Key Data Fields

Expected Result

Test card

1

Apply Low Value exemption when it is not requested by merchant

Amount is <= 30 EUR

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

2

Apply Low Value exemption as requested by merchant

ScaExemptionID = 2
ScaExemptionFlowID is not set

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

3

Apply Secure Corporate Card exemption as requested by merchant

ScaExemptionID = 4
ScaExemptionFlowID is not set

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

4

Apply Anonymous Card out-of-scope as requested by merchant

ScaExemptionID = 1
ScaExemptionFlowID is not set

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

5

Apply Transaction Risk Analysis exemption as requested by merchant

ScaExemptionID = 6
ScaExemptionFlowID is not set

The payment is successfully authenticated with exemption
The payments proceeds as per the authorisation policy

5, 13 and 21

6

Request challenge for white-listing by cardholder

Amount = 157.44 EUR
ScaChallengeIndicator = 5

The payment is authenticated with challenge
The payment proceeds as per the authorisation policy
The executeAction response contains the following fields:
IsScaWhitelistingSuccessful = true
ScaWhitelistStatus = Y

5, 13 and 21

7

Apply Trusted Beneficiary exemption as requested by merchant (the merchant has been white-listed by cardholder)

Amount = 157.44 EUR
ScaExemptionID = 5
ScaExemptionFlowID is not set

The payment is successfully authorised
The executeAction response contains the following fields:
IsScaWhitelistingSuccessful = true
ScaWhitelistStatus = Y

5, 13 and 21

Test cases applicable for Default and Custom SCA behavior

Test Case

Test Description

Key Data Fields

Expected Results

Test card

8

Add COF as part of first recurring
(EcomRecurring)

Visa/ MasterCard/ Maestro Deposit Method
creationTypeID = 4
IsInitialPayment = true
RecurringFrequencyInDays
RecurringExpirationDate

The payment is successfully authenticated.
SchemeTransactionIdentifier is returned in HandleUserVerification action Response
MasterCard - SchemeSettlementDate is also returned in HandleUserVerification action Response.
If the payment is not authorised automatically, the details are returned in Authorise action response.
The payment proceeds as per the authorisation policy.

5, 13 and 21

9

Initial recurring payment (created by Payment Service)

Visa/ MasterCard/ Maestro Deposit Method
creationTypeID = 4

The payment is successfully authenticated
The payment proceeds as per the authorisation policy

5, 13 and 21

10

VISA - Subsequent Recurring payment of initial payment done after PSD2 effective date

Visa Deposit Method
creationTypeID = 4
SchemeReferenceTransactionIdentifier
If the payment is internal, Payment Service finds the initial payment and populate the payment details

The payment is successfully authorised

5

11

MasterCard - Subsequent Recurring payment of initial payment done after PSD2 effective date

MasterCard/ Maestro Deposit Method
creationTypeID = 4
If the payment is external, the merchant should provide:
SchemeSettlementDate
SchemeReferenceTransactionIdentifier
If the payment is internal, Payment Service finds the initial payment and populate the payment details

The payment is successfully authorised

13 and 21

12

Visa - Subsequent Recurring payment of initial payment done before PSD2 effective date

Visa Deposit Method
creationTypeID = 4
If the payment is external, the merchant should provide:
SchemeReferenceTransactionIdentifier
If the payment is internal, Payment Service cannot populate it.

The payment is successfully authorised

5

13

MasterCard - Subsequent Recurring payment of initial payment done before PSD2 effective date

MasterCard/ Maestro Deposit Method
creationTypeID = 4
SchemeReferenceTransactionIdentifier is not provided

The payment is successfully authorised

13 and 21

14

Add COF without payment

Visa/ MasterCard/ Maestro CardVerification Method
Amount = 0
UserConsentForStoredAccount = true

The payment is successfully authenticated.
SchemeTransactionIdentifier is returned in HandleUserVerification action Response
MasterCard - SchemeSettlementDate is also returned in HandleUserVerification action Response.
If the payment is not authorised automatically, the details are returned in Authorise action response.
The payment proceeds as per the authorisation policy.

5, 13 and 21

15

Add COF as part of payment

Visa/ MasterCard/ Maestro Deposit Method
UserConsentForStoredAccount = true

The payment is successfully authenticated.
SchemeTransactionIdentifier is returned in HandleUserVerification action Response
MasterCard - SchemeSettlementDate is also returned in HandleUserVerification action Response.
If the payment is not authorised automatically, the details are returned in Authorise action response.
The payment proceeds as per the authorisation policy.

5, 13 and 21

16

VISA - Subsequent COF payment of initial payment done after PSD2 effective date

Visa Deposit Method
creationTypeID = 10
SchemeReferenceTransactionIdentifier

The payment is successfully authorised

5

17

MasterCard - Subsequent COF payment of initial payment done after PSD2 effective date

MasterCard/ Maestro Deposit Method
creationTypeID = 10
SchemeSettlementDate
SchemeReferenceTransactionIdentifier

The payment is successfully authorised

13 and 21

18

Visa - Subsequent COF payment of initial payment done before PSD 2 Effective date

Visa Deposit Method
creationTypeID = 10
SchemeReferenceTransactionIdentifier

The payment is successfully authorised

5

19

MasterCard - Subsequent COF payment of initial payment done before PSD 2 Effective date

MasterCard/ Maestro Deposit Method
creationTypeID = 10
SchemeReferenceTransactionIdentifier is not provided

The payment is successfully authorised

13 and 21

20

MIT payment - out of scope for PSD2

creationTypeID = 10

The payment is successfully authorised

Any except 7, 8, 15, 16, 23 and 24

21

MOTO payment - out of scope for PSD2

creationTypeID = 5

The payment is successfully authorised

Any except 7, 8, 15, 16, 23 and 24

22

One leg out payment - out of scope for PSD2

Nothing specific is required

The payment is successfully authorised

2, 4, 6, 10, 12, 14, 18, 20 and 22

23

Payment with requested exemption directly in authorisation which is soft-declined by Issuer
(Note: this test case behaviour only applies to the test environment)

ScaExemptionID = {2, 4, 5 or 6}

ProviderResponseCode = 65 in initiatePayment response

7, 8, 15, 16, 23 and 24

24

Follow-up payment with challenge requested. The card is enrolled for 3DS 2.0

ScaChallengeIndicator = 3

The payment is successfully authenticated with challenge through 3DS 2.0
The payment proceeds as per the authorisation policy.

7, 15 and 23

25

Follow-up payment with request to apply no exemption. The card is enrolled for 3DS 1.0

ScaExemptionID = 3

The payment is successfully authenticated through 3DS 1.0
The payment proceeds as per the authorisation policy.

8, 16 and 24

Custom SCA Behaviour

Test Case

Test Description

Key Data Fields

Expected Results

Test Card

26

Apply Low Value exemption when it is not requested by merchant

Amount is <= 30 EUR

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

27

Apply Low Value exemption as requested by merchant

ScaExemptionID = 2
ScaExemptionFlowID = 2

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

28

Apply Secure Corporate Card exemption as requested by merchant

ScaExemptionID = 4
ScaExemptionFlowID = 2

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

29

Apply Anonymous Card out-of-scope as requested by merchant

ScaExemptionID = 1
ScaExemptionFlowID = 2

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

30

Apply Transaction Risk Analysis exemption as requested by merchant (exemption is applied during authentication)

ScaExemptionID = 6
ScaExemptionFlowID = 1

The payment is successfully authenticated with exemption.
The payment proceeds as per the authorisation policy.

5, 13 and 21

31

Apply Transaction Risk Analysis exemption as requested by merchant (exemption is applied during authorisation)

ScaExemptionID = 6
ScaExemptionFlowID = 2

The payment is successfully authorised

3, 5, 11, 13, 19 and 21

32

Request challenge for white-listing by cardholder

Amount = 157.44 EUR
ScaChallengeIndicator = 5

The payment is authenticated with challenge.
The payment proceeds as per the authorisation policy.
The HandleUserverification action response contains the following fields:
IsScaWhitelistingSuccessful = true
ScaWhitelistStatus = Y

5, 13 and 21

33

Apply Trusted Beneficiary exemption as requested by merchant (exemption is applied during authentication)

Amount = 157.44 EUR
ScaExemptionID = 5
ScaExemptionFlowID = 1

The payment is successfully authenticated with exemption
The initiatePayment/ HandleClientDeviceDateCollection action response contains the following fields:
IsScaWhitelistingSuccessful = true
ScaWhitelistStatus = Y

5, 13 and 21

34

Apply Trusted Beneficiary exemption as requested by merchant (exemption is applied during authorisation)

Amount = 157.44 EUR
ScaExemptionID = 5
ScaExemptionFlowID = 2

The payment is successfully authorised
The initiatePayment response contains the following fields:
IsScaWhitelistingSuccessful = true
ScaWhitelistStatus = Y

3, 5, 11, 13, 19 and 21

35

The merchant requests specific Policy for one-leg-out payment. The card is enrolled for 3DS 2.0

ScaPolicyID = {2, 3 or 4}

2, 3 - The payment is successfully authenticated through 3DS 2.0
The payment proceeds as per the authorisation policy
4 - Authentication is skipped The payment is successfully authorised

4, 6, 12, 14, 20, 22

36

The merchant requests specific Policy for one-leg-out payment. The card is enrolled for 3DS 1.0

ScaPolicyID = {2, 3 or 4}

2 - The payment is not authenticated
The payment proceeds as per the authorisation policy
3 - The payment is successfully authenticated through 3DS 1.0
The payment proceeds as per the authorisation policy
4 - Authentication is skipped. The payment is successfully authorised

2, 10 and 18

37

The merchant requests specific Policy for in-scope payment. The card is enrolled for 3DS 1.0

ScaPolicyID = {2, 3 or 4}

2, 3 - The payment is successfully authenticated through 3DS 1.0
The payment proceeds as per the authorisation policy
4 - Authentication is skipped The payment is successfully authorised

1, 9 and 17

38

The merchant requests a challenge for a payment

ScaChallengeIndicator = 3

The payment is authenticated with challenge
The payment proceeds as per the authorisation policy

3, 5, 11, 13, 19 and 21

Test Cards

#Card

Scheme

Card Number

Description

SCA mandated?

1

Visa

4485276145112951

The card is enrolled only for 3DS 1.0

Yes

2

Visa

4018441111111116

The card is enrolled only for 3DS 1.0

No

3

Visa

4003028255459216

The card is enrolled for 3DS 2.1

Yes

4

Visa

4066332133641886

The card is enrolled for 3DS 2.1

No

5

Visa

4371278129250903

The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting

Yes

6

Visa

4373009543551495

The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting

No

7

Visa

4371278683466705

The card is enrolled for 3DS 2.2 - soft-decline
The Issuer supports fingerprinting

Yes

8

Visa

4371274318918137

The card is enrolled for 3DS 1.0 - soft-decline

Yes

9

MasterCard

5266248793296818

The card is enrolled only for 3DS 1.0

Yes

10

MasterCard

5199992312641465

The card is enrolled only for 3DS 1.0

No

11

MasterCard

5266009957695322

The card is enrolled for 3DS 2.1

Yes

12

MasterCard

5274828334028208

The card is enrolled for 3DS 2.1

No

13

MasterCard

5328218586383202

The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting

Yes

14

MasterCard

5353732915653919

The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting

No

15

MasterCard

5328218245149663

The card is enrolled for 3DS 2.2 - soft-decline
The Issuer supports fingerprinting

Yes

16

MasterCard

5173373563494138

The card is enrolled for 3DS 1.0 - soft-decline

Yes

17

Maestro

6705770000000011

The card is enrolled only for 3DS 1.0

Yes

18

Maestro

6007930123456780

The card is enrolled only for 3DS 1.0

No

19

Maestro

5612423704657512

The card is enrolled for 3DS 2.1

Yes

20

Maestro

5679406467009856

The card is enrolled for 3DS 2.1

No

21

Maestro

5854962404537083

The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting

Yes

22

Maestro

5818281595558476

The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting

No

23

Maestro

5854962403396291

The card is enrolled for 3DS 2.2 - soft-decline
The Issuer supports fingerprinting

Yes

24

Maestro

6390824124226281

The card is enrolled for 3DS 1.0 - soft-decline

Yes

Sample Initiate Payment Requests and Responses

Example initiatePayment request for Initial recurring payment - external:

<?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>fd4e9bc1-3aca-43f8-b1dd-a4d947f6c18a</merchantID>
    <shopID>60547499-f9db-4622-acaa-0cecaaf2bacf</shopID>
    <merchantTransactionID>recurring-mc-05</merchantTransactionID>
    <paymentMethodID>1</paymentMethodID>
    <amount currencyCode="EUR">56</amount>
    <userID>3DSv2TestUser</userID>
    <userData>
        <username>3DSv2TestUser</username>
        <firstname xsi:nil="true" />
        <lastname xsi:nil="true" />
        <currencyCode xsi:nil="true" />
        <languageCode xsi:nil="true" />
        <email xsi:nil="true" />
        <address xsi:nil="true" />
        <identificationNumberType xsi:nil="true" />
        <drivingLicenseNumber xsi:nil="true" />
        <drivingLicenseIssuingState xsi:nil="true" />
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>583e05fd-e7e9-4699-a684-a5eb3670275f</userSessionID>
    <creationTypeID>4</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>263b74ba-7115-466f-a308-1a77e521f706</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>SuccessPageUrl</key>
            <value>http:////success</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>ErrorPageUrl</key>
            <value>http:////error</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>PaymentProviderID</key>
            <value>92</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserVerificationNotificationURL</key>
            <value>https://www.notification.com</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserLanguage</key>
            <value>en</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>BrowserScreenHeight</key>
            <value>768</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>BrowserScreenWidth</key>
            <value>1024</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserHeaderAccept</key>
            <value>BrowserHeaderAccept</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserHeaderUserAgent</key>
            <value>BrowserHeaderUserAgent</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserTimeZone</key>
            <value>180</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>BrowserJavaEnabled</key>
            <value>true</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>BrowserScreenColorDepth</key>
            <value>15</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>UserVerificationNotificationURL</key>
            <value>https://api.test.kalixa.com/WebMockProviders/threedsv2acs/showCRes</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>CardholderEmail</key>
            <value>[email protected]</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>ThreeDSecureVersion</key>
            <value>2.2.0</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>BrowserJavaScriptEnabled</key>
            <value>false</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>ThreeDSecureAuthorisationPolicyID</key>
            <value>6</value>
        </data>
        <data xsi:type="keyDateTimeValuePair">
            <key>RecurringExpirationDate</key>
            <value>2020-05-07T00:00:00</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>RecurringFrequencyInDays</key>
            <value>7</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>IsInitialPayment</key>
            <value>true</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>IsThreeDSecureRequired</key>
            <value>true</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>5328218586383202</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>IvanIvanov</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>12</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2030</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>111</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example initiateayment 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>fd4e9bc1-3aca-43f8-b1dd-a4d947f6c18a</merchantID>
        <shopID>60547499-f9db-4622-acaa-0cecaaf2bacf</shopID>
        <paymentMethod>
            <key>1</key>
            <value>ECMC Deposit</value>
        </paymentMethod>
        <merchantTransactionID>recurring-mc-05</merchantTransactionID>
        <paymentID>644b4766-1508-42ab-a825-a9004af9a0e3</paymentID>
        <userID>3DSv2TestUser</userID>
        <paymentProvider>
            <key>92</key>
            <value>CQRUK</value>
        </paymentProvider>
        <amount currencyCode="EUR">56</amount>
        <creationType>
            <key>4</key>
            <value>EcomRecurring</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>1a306ea2-5c91-4af8-9471-4b89650c4f1e</id>
            <definition>
                <key>581</key>
                <value>PendingOnClientDeviceDataCollection</value>
            </definition>
            <createdOn>2020-04-21T15:36:19.4717459Z</createdOn>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>RedirectUrl</key>
                    <value>https://api.test.kalixa.com/WebMockProviders/threedsv2acs/fingerprint</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>RedirectPostData</key>
                    <value>threeDSMethodData=eyJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjoiaHR0cHM6Ly93d3cubm90aWZpY2F0aW9uLmNvbSIsInRocmVlRFNTZXJ2ZXJUcmFuc0lEIjoiNjQ0YjQ3NjYtMTUwOC00MmFiLWE4MjUtYTkwMDRhZjlhMGUzIn0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="GBP">40.32</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ThreeDSecureVersion</key>
                <value>2.2.0</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>332bd471-48d8-4889-be7c-fc07a2a27fc3</paymentAccountID>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Example initiatePayment request for overriding a default/ configured policy:

<?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>fd4e9bc1-3aca-43f8-b1dd-a4d947f6c18a</merchantID>
    <shopID>60547499-f9db-4622-acaa-0cecaaf2bacf</shopID>
    <merchantTransactionID>PSD2-override-test05</merchantTransactionID>
    <paymentMethodID>2</paymentMethodID>
    <amount currencyCode="EUR">10</amount>
    <userID>dbc723a3-052c-42f4-9018-b8c4c5b4054c</userID>
    <userData>
        <username>dbc723a3-052c-42f4-9018-b8c4c5b4054c</username>
        <firstname xsi:nil="true" />
        <lastname xsi:nil="true" />
        <currencyCode xsi:nil="true" />
        <languageCode xsi:nil="true" />
        <email xsi:nil="true" />
        <address xsi:nil="true" />
        <identificationNumberType xsi:nil="true" />
        <drivingLicenseNumber xsi:nil="true" />
        <drivingLicenseIssuingState xsi:nil="true" />
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>494a3d73-c424-42a1-ae1d-ebdd963a67e8</userSessionID>
    <creationTypeID>3</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>b7e99de3-4402-4897-b916-9a18efd7cc66</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyBooleanValuePair">
            <key>IsThreeDSecureRequired</key>
            <value>true</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>SuccessPageUrl</key>
            <value>http:////success</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>ErrorPageUrl</key>
            <value>http:////error</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserVerificationNotificationURL</key>
            <value>https://www.notification.com</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserLanguage</key>
            <value>en</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>BrowserScreenHeight</key>
            <value>768</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>BrowserScreenWidth</key>
            <value>1024</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserHeaderAccept</key>
            <value>BrowserHeaderAccept</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>BrowserHeaderUserAgent</key>
            <value>BrowserHeaderUserAgent</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>UserVerificationNotificationURL</key>
            <value>https://api.test.kalixa.com/WebMockProviders/threedsv2acs/showCRes</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>BrowserScreenColorDepth</key>
            <value>32</value>
        </data>
         <data xsi:type="keyStringValuePair">
            <key>BrowserTimeZone</key>
            <value>60</value>
      </data>
         <data xsi:type="keyBooleanValuePair">
            <key>BrowserJavaEnabled</key>
            <value>true</value>
     </data>
     <data xsi:type="keyBooleanValuePair">
            <key>BrowserJavaScriptEnabled</key>
            <value>true</value>
     </data>
     <data xsi:type="keyIntValuePair">
          <key>ScaPolicyID</key>
          <value>2</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>4003028255459216</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>HolderName</key>
                <value>Jôe-Juán Säöüp</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>12</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2030</value>
            </data>
            <data xsi:type="keyStringValuePair">
                <key>CardVerificationCode</key>
                <value>111</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example initiateayment 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>fd4e9bc1-3aca-43f8-b1dd-a4d947f6c18a</merchantID>
        <shopID>60547499-f9db-4622-acaa-0cecaaf2bacf</shopID>
        <paymentMethod>
            <key>2</key>
            <value>VISA Deposit</value>
        </paymentMethod>
        <merchantTransactionID>PSD2-override-test05</merchantTransactionID>
        <paymentID>0f5ce20b-75ff-4b5e-ae3b-fcd4d6212db8</paymentID>
        <userID>dbc723a3-052c-42f4-9018-b8c4c5b4054c</userID>
        <paymentProvider>
            <key>92</key>
            <value>CQRUK</value>
        </paymentProvider>
        <amount currencyCode="EUR">10</amount>
        <creationType>
            <key>3</key>
            <value>Api</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>8aab6a27-b07a-4780-b753-229ebcc5a09f</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2020-04-21T15:39:38.7531852Z</createdOn>
            <description>Approved or completed successfully</description>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ApprovalCode</key>
                    <value>124105</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="GBP">7.2</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ElectronicCommerceIndicator</key>
                <value>07</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>ec374535-8dc0-4281-b566-46e54060f565</paymentAccountID>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>