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 CaseTest DescriptionKey Data FieldsExpected ResultTest card
1Apply Low Value exemption when it is not requested by merchantAmount is <= 30 EURThe payment is successfully authorised3, 5, 11, 13, 19 and 21
2Apply Low Value exemption as requested by merchantScaExemptionID = 2
ScaExemptionFlowID is not set
The payment is successfully authorised3, 5, 11, 13, 19 and 21
3Apply Secure Corporate Card exemption as requested by merchantScaExemptionID = 4
ScaExemptionFlowID is not set
The payment is successfully authorised3, 5, 11, 13, 19 and 21
4Apply Anonymous Card out-of-scope as requested by merchantScaExemptionID = 1
ScaExemptionFlowID is not set
The payment is successfully authorised3, 5, 11, 13, 19 and 21
5Apply Transaction Risk Analysis exemption as requested by merchantScaExemptionID = 6
ScaExemptionFlowID is not set
The payment is successfully authenticated with exemption
The payments proceeds as per the authorisation policy
5, 13 and 21
6Request challenge for white-listing by cardholderAmount = 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
7Apply 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 CaseTest DescriptionKey Data FieldsExpected ResultsTest card
8Add 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
9Initial 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
10VISA - Subsequent Recurring payment of initial payment done after PSD2 effective dateVisa 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 authorised5
11MasterCard - Subsequent Recurring payment of initial payment done after PSD2 effective dateMasterCard/ 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 authorised13 and 21
12Visa - Subsequent Recurring payment of initial payment done before PSD2 effective dateVisa 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 authorised5
13MasterCard - Subsequent Recurring payment of initial payment done before PSD2 effective dateMasterCard/ Maestro Deposit Method
creationTypeID = 4
SchemeReferenceTransactionIdentifier is not provided
The payment is successfully authorised13 and 21
14Add COF without paymentVisa/ 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
15Add COF as part of paymentVisa/ 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
16VISA - Subsequent COF payment of initial payment done after PSD2 effective dateVisa Deposit Method
creationTypeID = 10
SchemeReferenceTransactionIdentifier
The payment is successfully authorised5
17MasterCard - Subsequent COF payment of initial payment done after PSD2 effective dateMasterCard/ Maestro Deposit Method
creationTypeID = 10
SchemeSettlementDate
SchemeReferenceTransactionIdentifier
The payment is successfully authorised13 and 21
18Visa - Subsequent COF payment of initial payment done before PSD 2 Effective dateVisa Deposit Method
creationTypeID = 10
SchemeReferenceTransactionIdentifier
The payment is successfully authorised5
19MasterCard - Subsequent COF payment of initial payment done before PSD 2 Effective dateMasterCard/ Maestro Deposit Method
creationTypeID = 10
SchemeReferenceTransactionIdentifier is not provided
The payment is successfully authorised13 and 21
20MIT payment - out of scope for PSD2creationTypeID = 10The payment is successfully authorisedAny except 7, 8, 15, 16, 23 and 24
21MOTO payment - out of scope for PSD2creationTypeID = 5The payment is successfully authorisedAny except 7, 8, 15, 16, 23 and 24
22One leg out payment - out of scope for PSD2Nothing specific is requiredThe payment is successfully authorised2, 4, 6, 10, 12, 14, 18, 20 and 22
23Payment 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 response7, 8, 15, 16, 23 and 24
24Follow-up payment with challenge requested. The card is enrolled for 3DS 2.0ScaChallengeIndicator = 3The payment is successfully authenticated with challenge through 3DS 2.0
The payment proceeds as per the authorisation policy.
7, 15 and 23
25Follow-up payment with request to apply no exemption. The card is enrolled for 3DS 1.0ScaExemptionID = 3The payment is successfully authenticated through 3DS 1.0
The payment proceeds as per the authorisation policy.
8, 16 and 24

Custom SCA Behaviour

Test CaseTest DescriptionKey Data FieldsExpected ResultsTest Card
26Apply Low Value exemption when it is not requested by merchantAmount is <= 30 EURThe payment is successfully authorised3, 5, 11, 13, 19 and 21
27Apply Low Value exemption as requested by merchantScaExemptionID = 2
ScaExemptionFlowID = 2
The payment is successfully authorised3, 5, 11, 13, 19 and 21
28Apply Secure Corporate Card exemption as requested by merchantScaExemptionID = 4
ScaExemptionFlowID = 2
The payment is successfully authorised3, 5, 11, 13, 19 and 21
29Apply Anonymous Card out-of-scope as requested by merchantScaExemptionID = 1
ScaExemptionFlowID = 2
The payment is successfully authorised3, 5, 11, 13, 19 and 21
30Apply 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
31Apply Transaction Risk Analysis exemption as requested by merchant (exemption is applied during authorisation)ScaExemptionID = 6
ScaExemptionFlowID = 2
The payment is successfully authorised3, 5, 11, 13, 19 and 21
32Request challenge for white-listing by cardholderAmount = 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
33Apply 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
34Apply 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
35The merchant requests specific Policy for one-leg-out payment. The card is enrolled for 3DS 2.0ScaPolicyID = {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
36The merchant requests specific Policy for one-leg-out payment. The card is enrolled for 3DS 1.0ScaPolicyID = {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
37The merchant requests specific Policy for in-scope payment. The card is enrolled for 3DS 1.0ScaPolicyID = {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
38The merchant requests a challenge for a paymentScaChallengeIndicator = 3The payment is authenticated with challenge
The payment proceeds as per the authorisation policy
3, 5, 11, 13, 19 and 21

Test Cards

#CardSchemeCard NumberDescriptionSCA mandated?
1Visa4485276145112951The card is enrolled only for 3DS 1.0Yes
2Visa4018441111111116The card is enrolled only for 3DS 1.0No
3Visa4003028255459216The card is enrolled for 3DS 2.1Yes
4Visa4066332133641886The card is enrolled for 3DS 2.1No
5Visa4371278129250903The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting
Yes
6Visa4373009543551495The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting
No
7Visa4371278683466705The card is enrolled for 3DS 2.2 - soft-decline
The Issuer supports fingerprinting
Yes
8Visa4371274318918137The card is enrolled for 3DS 1.0 - soft-declineYes
9MasterCard5266248793296818The card is enrolled only for 3DS 1.0Yes
10MasterCard5199992312641465The card is enrolled only for 3DS 1.0No
11MasterCard5266009957695322The card is enrolled for 3DS 2.1Yes
12MasterCard5274828334028208The card is enrolled for 3DS 2.1No
13MasterCard5328218586383202The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting
Yes
14MasterCard5353732915653919The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting
No
15MasterCard5328218245149663The card is enrolled for 3DS 2.2 - soft-decline
The Issuer supports fingerprinting
Yes
16MasterCard5173373563494138The card is enrolled for 3DS 1.0 - soft-declineYes
17Maestro6705770000000011The card is enrolled only for 3DS 1.0Yes
18Maestro6007930123456780The card is enrolled only for 3DS 1.0No
19Maestro5612423704657512The card is enrolled for 3DS 2.1Yes
20Maestro5679406467009856The card is enrolled for 3DS 2.1No
21Maestro5854962404537083The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting
Yes
22Maestro5818281595558476The card is enrolled for 3DS 2.2
The Issuer supports fingerprinting
No
23Maestro5854962403396291The card is enrolled for 3DS 2.2 - soft-decline
The Issuer supports fingerprinting
Yes
24Maestro6390824124226281The card is enrolled for 3DS 1.0 - soft-declineYes

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>