VIP Preferred Redirect Withdrawal

VIP Preferred Redirect Withdrawal allows to withdraw to accounts participating in the VIPPreferred program.

The following method IDs are covered in this section:

ID	Name	Credit/Debit State
448	VIPPreferred Redirect Withdrawal	WithdrawnByProvider (20)

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

With PavilionPayments VIP Preferred program, customers are given a 7-day revolving ACH/check-cashing limit, which allows guests to cash checks at all gaming establishments that participate in the VIP Preferred Network.

Flow overview

The flow for VIPPreferred Redirect Withdrawal is as follows:

The merchant may call AccountInquiry through getPaymentInputDataList to get user limits. This step is optional.
The merchant should call initiatePaymentRequest including a already existing paymentAccountID.
In the response PXP will return an sessionID in state InitiatedByProvider.
The merchant should invoke the VIPPreferred SDK by executing JavaScript on his cashier page. A basic HTML page is available for testing.
After the user completes steps in the SDK, the user is redirected back to the merchant.
PXP will receive a notification from PavilionPayments and will send a notification to the merchant, indicating also if the patron is eligible for a instant payment.
Once the notification has been set (for state ApprovedByProvider), the payment waits in state PendingOnConfirmation.
The merchant should approve or abort the payment by sending the executePaymentAction call.
On approval, the merchant should also indicate if the withdrawal should be sent as ACH, SDA or INP payment.
The payment will reach it´s final state WithdrawnByProvider resp. AbortedOnProvider or any applicable error state.

Redirect Integration

Currently not supported.

Backend2BackendIntegration - Account Inquiry

Before doing a deposit or withdrawal with the VIP Preferred product, the merchant should - when the customer selects the payment option - perform an Account Inquiry through the getPaymentInputDataList as described below.

📘
User enrolled in the VIP Preferred Network
If the user is enrolled, PXP Financial returns the payment account with the VIP card number and various details about the account.

🚧
User may already be enrolled in the VIP Preferred Network
When the user is not yet enrolled, an error response will be returned.

Please see the description of the Account Inquiry here.

Backend2BackendIntegration - Withdrawal initiation for existing users

For existing users that are already enrolled to the VIP Preferred program, the merchant already has a PaymentAccountID.

The following should be provided in initiatePaymentRequest

The following parameters can be provided in initiatePaymentRequest.specificPaymentData:

key (value type, account type, required)	value
returnURL (string, optional)	ReturnURL
androidPackageName (string, optional)	Android package to return control to. e.g. "com.pavilionpay.igaming" This field used with Plaid and is required if using the link_token to initialize the link on Android.

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>{{merchant}}</merchantID>
    <shopID>{{shop}}</shopID>
    <merchantTransactionID>{{merchantTransactionID}}</merchantTransactionID>
    <paymentMethodID>448</paymentMethodID>
    <amount currencyCode="USD">40.01</amount>
    <userID>JADLANG1</userID>
    <userIP>127.0.0.1</userIP>
    <userSessionID>742f374a-08ec-4b1d-ad13-8acf6005ec6f</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>returnURL</key>
            <value>https://www.onlinebettingportal.com/success</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>androidPackageName</key>
            <value>com.pavilionpay.igaming</value>
        </data>
    </specificPaymentData>
    <paymentAccountID>8a823aca-e95e-4daf-8db3-766cff1351bf</paymentAccountID>
</initiatePaymentRequest>

Example initiatePaymentResponse:

<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>B2BTestMerchant</merchantID>  
	<shopID>VIPPreferredRedirectDepositShopProvider</shopID>  
	<paymentMethod>  
		<key>448</key>  
		<value>VIPPreferred Redirect Withdrawal</value>  
	</paymentMethod>  
	<merchantTransactionID>hc-20240620-111007</merchantTransactionID>  
	<paymentID>53c54c63-bf96-430c-9ef0-5358ea0c8dbc</paymentID>  
	<userID>JADLANG1</userID>  
	<paymentProvider>  
		<key>213</key>  
		<value>Pavilionpay</value>  
	</paymentProvider>  
	<amount currencyCode="USD">40.01</amount>  
	<creationType>  
		<key>1</key>  
		<value>User</value>  
	</creationType>  
	<userIP>127.0.0.1</userIP>  
	<state>  
		<id>8510cfdc-0258-48d5-a8ad-2905af8b49d9</id>  
		<definition>  
			<key>3</key>  
			<value>InitiatedByProvider</value>  
		</definition>  
		<createdOn>2024-06-20T09:10:09.8882273Z</createdOn>  
		<paymentStateDetails>  
			<detail xsi:type="keyStringValuePair">  
				<key>ProviderResponseCode</key>  
				<value>0</value>  
			</detail>  
			<detail xsi:type="keyStringValuePair">  
				<key>PaymentStateReasonID</key>  
				<value>1</value>  
			</detail>  
		</paymentStateDetails>  
	</state>  
	<isExecuted>false</isExecuted>  
	<baseAmount currencyCode="EUR">30.06</baseAmount>  
	<paymentDetails>  
		<detail xsi:type="keyStringValuePair">  
			<key>ProviderSessionKey</key>  
			<value>7031214d-f3e3-47cf-9a80-f8c4a305f544</value>  
		</detail>  
		<detail xsi:type="keyDateTimeValuePair">  
			<key>ProviderSessionExpireOn</key>  
			<value>2024-06-20T09:20:09</value>  
		</detail>  
		<detail xsi:type="keyStringValuePair">  
			<key>ProviderExternalID</key>  
			<value>10002891</value>  
		</detail>  
	</paymentDetails>  
	<paymentAccount>  
		<paymentAccountID>8a823aca-e95e-4daf-8db3-766cff1351bf</paymentAccountID>  
		<details>  
			<detail xsi:type="keyStringValuePair">  
				<key>accountNumber</key>  
				<value>7210961825</value>  
			</detail>  
			<detail xsi:type="keyStringValuePair">  
				<key>AccountOwnerFirstname</key>  
				<value>JADWIGA</value>  
			</detail>  
			<detail xsi:type="keyStringValuePair">  
				<key>AccountOwnerLastname</key>  
				<value>LANGLEY</value>  
			</detail>  
			<detail xsi:type="keyStringValuePair">  
				<key>AccountOwnerTelephoneNumber</key>  
				<value>3126123087</value>  
			</detail>  
		</details>  
	</paymentAccount>  
</payment>  
</initiatePaymentResponse>

The following fields will be returned in initiatePaymentResponse:

Field	Description
ProviderSessionKey	Session ID created by Pavilion that is used for deposit transactions
ProviderSessionExpireOn	Expiration of the session which is 10 minutes from time the session is created

When the initiation of the payment fails, the payment will be moved to either InitiateErrorReportedByProvider or InitiateRefusedByProvider.

The InitiateErrorReportedByProvider state will include the details ProviderErrorResponseCode, ProviderErrorResponseMessage and AdditionalProviderErrorResponseMessage (the last one not yet included in the sample notification below).

The InitiateRefusedByProvider state will include the details ProviderResponseCode, ProviderResponseMessage _and _AdditionalProviderResponseMessage (the last one not yet included in the sample notification below).

Example initiatePaymentResponse for initiateErrorReportedByProvider (with validation error returned by provider):

<initiatePaymentResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema
                         xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                         xmlns=http://www.cqrpayments.com/PaymentProcessing>
<payment
         xsi:type="paymentWithPaymentAccount">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>VIPPreferredRedirectDepositShop</shopID>
	<paymentMethod>
		<key>448</key>
		<value>VIPPreferred Redirect Withdrawal</value>
	</paymentMethod>
	<merchantTransactionID>dd07474a-2755-4777-b3f5-3556de96c431</merchantTransactionID>
	<paymentID>3d80e487-11b3-4709-955b-3509cdde7055</paymentID>
	<userID>VIPPreferredWithdrawalExistingPA</userID>
	<paymentProvider>
		<key>213</key>
		<value>Pavilionpay</value>
	</paymentProvider>
	<amount currencyCode="USD">15.99</amount>
	<creationType>
		<key>1</key>
		<value>User</value>
	</creationType>
	<userIP>127.0.0.1</userIP>
	<state>
		<id>226b3dda-fc3b-4e9f-8c7d-7dba20688285</id>
		<definition>
			<key>4</key>
			<value>InitiateErrorReportedByProvider</value>
		</definition>
		<createdOn>2024-06-20T09:18:04.1421783Z</createdOn>
		<paymentStateDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderErrorResponseCode</key>
				<value>91</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderErrorResponseMessage</key>
				<value>Format error.</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AdditionalProviderErrorResponseMessage</key>
				<value>Unable to process your request at this time. Please contact CAMS at 1-800-500-1973 for support using error code E-91.</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>PaymentStateReasonID</key>
				<value>1</value>
			</detail>
		</paymentStateDetails>
	</state>
	<isExecuted>false</isExecuted>
	<baseAmount currencyCode="EUR">12.01</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>10002893</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>d1e93745-3528-461e-87de-28554d1810be</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>accountNumber</key>
				<value>7210956515</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerFirstname</key>
				<value>Sherlock</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerLastname</key>
				<value>Holmes</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerTelephoneNumber</key>
				<value>12132378999</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse for InitiateErrorReportedByProvider (without validation error):

<initiatePaymentResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema
                         xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                         xmlns=http://www.cqrpayments.com/PaymentProcessing>
<payment
         xsi:type="paymentWithPaymentAccount">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>VIPPreferredRedirectDepositShop</shopID>
	<paymentMethod>
		<key>448</key>
		<value>VIPPreferred Redirect Withdrawal</value>
	</paymentMethod>
	<merchantTransactionID>708e787d-e287-4645-93ab-e590434fce0c</merchantTransactionID>
	<paymentID>ddab6abb-6a80-45b0-8558-0db28769b2c2</paymentID>
	<userID>VIPPreferredWithdrawalExistingPA</userID>
	<paymentProvider>
		<key>213</key>
		<value>Pavilionpay</value>
	</paymentProvider>
	<amount currencyCode="USD">16.99</amount>
	<creationType>
		<key>1</key>
		<value>User</value>
	</creationType>
	<userIP>127.0.0.1</userIP>
	<state>
		<id>7d21bb61-0977-46ce-97b7-a37e218f78a0</id>
		<definition>
			<key>4</key>
			<value>InitiateErrorReportedByProvider</value>
		</definition>
		<createdOn>2024-06-19T16:34:48.0046797Z</createdOn>
		<paymentStateDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderErrorResponseCode</key>
				<value>400</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderErrorResponseMessage</key>
				<value>"Error converting value depos to type X"</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>PaymentStateReasonID</key>
				<value>1</value>
			</detail>
		</paymentStateDetails>
	</state>
	<isExecuted>false</isExecuted>
	<baseAmount currencyCode="EUR">12.77</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>10002854</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>d1e93745-3528-461e-87de-28554d1810be</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>accountNumber</key>
				<value>7210956515</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerFirstname</key>
				<value>Sherlock</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerLastname</key>
				<value>Holmes</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerTelephoneNumber</key>
				<value>12132378999</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse for InitiateRefusedByProvider:

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema
                         xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                         xmlns=http://www.cqrpayments.com/PaymentProcessing>
<payment
         xsi:type="paymentWithPaymentAccount">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>VIPPreferredRedirectDepositShop</shopID>
	<paymentMethod>
		<key>448</key>
		<value>VIPPreferred Redirect Withdrawal</value>
	</paymentMethod>
	<merchantTransactionID>2a3e6ec3-ab32-4699-8325-bbd975b0ff9d</merchantTransactionID>
	<paymentID>8ae8d2c1-2650-4f2f-aaea-1b3dacb407d0</paymentID>
	<userID>VIPPreferredWithdrawalExistingPA</userID>
	<paymentProvider>
		<key>213</key>
		<value>Pavilionpay</value>
	</paymentProvider>
	<amount currencyCode="USD">14.99</amount>
	<creationType>
		<key>1</key>
		<value>User</value>
	</creationType>
	<userIP>127.0.0.1</userIP>
	<state>
		<id>ff959b66-16bf-4789-b73d-18333e9fa0aa</id>
		<definition>
			<key>550</key>
			<value>InitiateRefusedByProvider</value>
		</definition>
		<createdOn>2024-06-20T09:15:33.5826401Z</createdOn>
		<paymentStateDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderResponseCode</key>
				<value>25</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderResponseMessage</key>
				<value>operatorErrorMessage: Withdrawal amount must be greater than $xx.xx.</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AdditionalProviderResponseMessage</key>
				<value>operatorDeclineDescription: Withdrawal amount must be greater than $xx.xx.</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>PaymentStateReasonID</key>
				<value>1</value>
			</detail>
		</paymentStateDetails>
	</state>
	<isExecuted>false</isExecuted>
	<baseAmount currencyCode="EUR">11.26</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>10002892</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>d1e93745-3528-461e-87de-28554d1810be</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>accountNumber</key>
				<value>7210956515</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerFirstname</key>
				<value>Sherlock</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerLastname</key>
				<value>Holmes</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerTelephoneNumber</key>
				<value>12132378999</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</initiatePaymentResponse>

Example initiatePaymentResponse for InitiateRequestProviderCommunicationErrorOccurred:

<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>B2BTestMerchant</merchantID>
	<shopID>VIPPreferredRedirectDepositShopProvider</shopID>
	<paymentMethod>
		<key>448</key>
		<value>VIPPreferred Redirect Withdrawal</value>
	</paymentMethod>
	<merchantTransactionID>hc-20240620-104709</merchantTransactionID>
	<paymentID>e0916e2d-e57d-457c-9cc8-f58c49095157</paymentID>
	<userID>JADLANG1</userID>
	<paymentProvider>
		<key>213</key>
		<value>Pavilionpay</value>
	</paymentProvider>
	<amount currencyCode="USD">40.01</amount>
	<creationType>
		<key>1</key>
		<value>User</value>
	</creationType>
	<userIP>127.0.0.1</userIP>
	<state>
		<id>0e737e7b-1fb5-456f-b0fa-47235df54fd8</id>
		<definition>
			<key>325</key>
			<value>InitiateRequestProviderCommunicationErrorOccurred</value>
		</definition>
		<createdOn>2024-06-20T08:47:29.5621711Z</createdOn>
		<paymentStateDetails>
			<detail xsi:type="keyStringValuePair">
				<key>PaymentStateReasonID</key>
				<value>1</value>
			</detail>
		</paymentStateDetails>
	</state>
	<isExecuted>false</isExecuted>
	<baseAmount currencyCode="EUR">30.06</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>10002890</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>8a823aca-e95e-4daf-8db3-766cff1351bf</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>accountNumber</key>
				<value>7210961825</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerFirstname</key>
				<value>JADWIGA</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerLastname</key>
				<value>LANGLEY</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerTelephoneNumber</key>
				<value>3126123087</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</initiatePaymentResponse>

❗️
InitiateRequestProviderCommunicationError
If the payment reached InitiateRequestProviderCommunicationErrorOccurred state, please restart the payment and send another request.

Redirect to Provider

For testing the basic flow, the merchant needs to invoke the web component.

For easy testing, the merchant can use this basic HTML page:

<html>
<head>
<style>
body{
font-size: 35px;
font-family: Helvetica;
color:#ffffff;
}

.magicpattern { 
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center center;
  background-repeat: repeat;
  background-image: url("data:image/svg+xml;utf8,%3Csvg viewBox=%220 0 2000 1400%22 xmlns=%22http:%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cmask id=%22b%22 x=%220%22 y=%220%22 width=%222000%22 height=%221400%22%3E%3Cpath fill=%22url(%23a)%22 d=%22M0 0h2000v1400H0z%22%2F%3E%3C%2Fmask%3E%3Cpath fill=%22%23000336%22 d=%22M0 0h2000v1400H0z%22%2F%3E%3Cg style=%22transform-origin:center center%22 stroke=%22%234c4e7233%22 stroke-width=%221.8%22 mask=%22url(%23b)%22%3E%3Cpath fill=%22%234c4e722c%22 d=%22M0 0h50v50H0z%22%2F%3E%3Cpath fill=%22none%22 d=%22M50 0h50v50H50zM100 0h50v50h-50z%22%2F%3E%3Cpath fill=%22%234c4e7222%22 d=%22M150 0h50v50h-50z%22%2F%3E%3Cpath fill=%22none%22 d=%22M200 0h50v50h-50zM250 0h50v50h-50z%22%2F%3E%3Cpath fill=%22%234c4e7215%22 d=%22M300 0h50v50h-50z%22%2F%3E%3Cpath fill=%22none%22 d=%22M350 0h50v50h-50zM400 0h50v50h-50z%22%2F%3E%3Cpath fill=%22%234c4e7205%22 d=%22M450 0h50v50h-50z%22%2F%3E%3Cpath fill=%22none%22 d=%22M500 0h50v50h-50z%22%2F%3E%3Cpath 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}

.loader {
  border: 6px solid #4380ba;
  border-radius: 50%;
  border-top: 6px solid #60ba69;
  width: 50px;
  height: 50px;
  -webkit-animation: spin 2s linear infinite; /* Safari */
  animation: spin 1s linear infinite;
  margin:auto;
  display: none;
}

@-webkit-keyframes spin {
  0% { -webkit-transform: rotate(0deg); }
  100% { -webkit-transform: rotate(360deg); }
}

@keyframes spin {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}
</style>
</head>
<body class="magicpattern">
<div style="text-align:center;background-color:transparent;"><img src="https://www.vippreferred.com/assets/images/vip-preferred-brand.png"/></div>
<!-- START ACCOUNT LOOKUP DIV -->
<div style="width:30%;margin:20 auto;background-color:#0b0d3e;border-radius: 25px;border:5px solid #efefef22;padding:20px;">
	<div style="text-align:center;margin:25px;">
		<div style="width:500px;display: inline-block;">
			Session ID
		</div>
		<div>
			<input type="text" id="sessionId" style="height:40px;vertical-align:middle;font-size:20px;width:400px;text-align:center;"/>
		</div>
	</div>
	<div style="text-align:center;margin:25px;">
		<div style="width:500px;display: inline-block;">
			Transaction Type
		</div>
		<div>
			<select type="text" id="mode" style="height:40px;vertical-align:middle;font-size:20px;">
				<option>withdraw</option>
				<option>deposit</option>
			</select>
		</div>
	</div>
	<div style="text-align:center;">
		<button onclick="run()" style="width:150px;height:40px;vertical-align:middle;font-size:20px; width:250px;margin:15px;" id='accountButton'>
			Submit
		</button>
	<div class="loader" id="accountLoader"></div>
	</div>
</div>


<script>
function run() {
const windowFeatures = "popup=true,width=500,height=850";
	var win = window;
	win.open('https://cert.api-gaming.paviliononline.io/sdk?mode='+document.getElementById('mode').value+'#'+document.getElementById('sessionId').value, "_blank",windowFeatures);
	win.addEventListener('message', function(e){
    if(e.data==='close')
    {
        window.alert('close');
    }
});




}

</script>
</body>
</html>

Provider screenshots

After the VIP Preferred SDK is invoked, the user will see the following for withdrawals (disbursements):

The customer may select the displayed bank account and click "Withdraw", or he may add additional bank accounts or administer the list of available bank accounts:

After selecting a bank account and clicking "Withdraw", the following screen is displayed:

Intermediate notification

After the VIP Preferred web SDK has been invoked, the merchant will be notified about the intermediate result of the withdrawal.

The detail InstantPaymentEligible indicates if patron is eligible for an instant payment and if merchant is supported this.

The standard notification mechanism is used for notifying the merchant in the background (asynchronously) about payment state changes. For more information see PaymentStateChangedNotification.

PaymentStates	Description
ApprovedByProvider	The payment has been approved by the provider and is ready for execution.
RefusedByProvider	An error occurred
AbortedByCustomer	The payment was aborted by the customer on the VIP Preferred web SDK.

Example handlePaymentStateChangedNotificationRequest (for ApprovedByProvider state):

<?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:q1=http://www.cqrpayments.com/PaymentProcessing
         xsi:type="q1:paymentWithPaymentAccount">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>VIPPreferredRedirectDepositShop</shopID>
	<paymentMethod>
		<key>448</key>
		<value>VIPPreferred Redirect Withdrawal</value>
	</paymentMethod>
	<merchantTransactionID>2cc12b01-0834-4434-8962-34e4eb16f02b</merchantTransactionID>
	<paymentID>630675c1-72ee-41fb-bd27-4f98079036a6</paymentID>
	<userID>VIPPreferredWithdrawalExistingPA</userID>
	<paymentProvider>
		<key>213</key>
		<value>Pavilionpay</value>
	</paymentProvider>
	<amount currencyCode="USD">10.0100</amount>
	<creationType>
		<key>1</key>
		<value>User</value>
	</creationType>
	<userIP>127.0.0.1</userIP>
	<state>
		<id>609b5b33-e428-41ae-997a-2646affe70ed</id>
		<definition>
			<key>356</key>
			<value>ApprovedByProvider</value>
		</definition>
		<createdOn>2024-06-20T09:37:20.043</createdOn>
		<paymentStateDetails>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentStateReasonID</key>
				<value>1</value>
			</detail>
		</paymentStateDetails>
	</state>
	<isExecuted>false</isExecuted>
	<baseAmount currencyCode="EUR">7.5200</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>10002898</value>
		</detail>
		<detail xsi:type="keyBooleanValuePair">
			<key>InstantPaymentEligible</key>
			<value>false</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>DeliveryType</key>
			<value>Unknown</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>BankName</key>
			<value>Tri-Rivers Fcu</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>ClientIP</key>
			<value>84.115.216.20</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>RoutingNumber</key>
			<value>262276575</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>UnmaskedAccountNumber</key>
			<value>1111112877</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>MaskedAccountNumber</key>
			<value>******2877</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>d1e93745-3528-461e-87de-28554d1810be</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>accountNumber</key>
				<value>7210956515</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerFirstname</key>
				<value>SHERLOCK</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerLastname</key>
				<value>HOLMES</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerTelephoneNumber</key>
				<value>12132378999</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>

Once the notification for state ApprovedByProvider has been sent to the merchant, the state is updated to PendingOnConfirmation.

Example handlePaymentStateChangedNotificationRequest (for AbortedByCustomer state):

<?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:q1=http://www.cqrpayments.com/PaymentProcessing
         xsi:type="paymentWithPaymentAccount">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>VIPPreferredRedirectDepositShop</shopID>
	<paymentMethod>
		<key>448</key>
		<value>VIPPreferred Redirect Withdrawal</value>
	</paymentMethod>
	<merchantTransactionID>68af15b3-fba7-4502-b80a-1208b4a7940b</merchantTransactionID>
	<paymentID>5a755de8-7503-4db9-823c-2361ec5cabc4</paymentID>
	<userID>VIPPreferredWithdrawalExistingPA</userID>
	<paymentProvider>
		<key>213</key>
		<value>Pavilionpay</value>
	</paymentProvider>
	<amount currencyCode="USD">10.0200</amount>
	<creationType>
		<key>1</key>
		<value>User</value>
	</creationType>
	<userIP>127.0.0.1</userIP>
	<state>
		<id>b91bc30c-072b-4a67-a040-267c9620d761</id>
		<definition>
			<key>101</key>
			<value>AbortedByCustomer</value>
		</definition>
		<createdOn>2024-06-20T17:00:24.6</createdOn>
		<paymentStateDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderResponseCode</key>
				<value>1000</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderResponseMessage</key>
				<value>User Exited Flow.</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentStateReasonID</key>
				<value>1</value>
			</detail>
		</paymentStateDetails>
	</state>
	<isExecuted>false</isExecuted>
	<baseAmount currencyCode="EUR">7.5300</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>10002998</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>d1e93745-3528-461e-87de-28554d1810be</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>accountNumber</key>
				<value>7210956515</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerFirstname</key>
				<value>Sherlock</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerLastname</key>
				<value>Holmes</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerTelephoneNumber</key>
				<value>12132378999</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest

Example handlePaymentStateChangedNotificationRequest (for 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:q1=http://www.cqrpayments.com/PaymentProcessing
         xsi:type="paymentWithPaymentAccount">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>VIPPreferredRedirectDepositShop</shopID>
	<paymentMethod>
		<key>448</key>
		<value>VIPPreferred Redirect Withdrawal</value>
	</paymentMethod>
	<merchantTransactionID>6719ac99-6d5d-4d26-950d-69686070d543</merchantTransactionID>
	<paymentID>f87bb80e-9cd3-4bc1-a280-171a6a49f367</paymentID>
	<userID>VIPPreferredWithdrawalExistingPA</userID>
	<paymentProvider>
		<key>213</key>
		<value>Pavilionpay</value>
	</paymentProvider>
	<amount currencyCode="USD">10.0200</amount>
	<creationType>
		<key>1</key>
		<value>User</value>
	</creationType>
	<userIP>127.0.0.1</userIP>
	<state>
		<id>83b8389b-68fe-43e7-92ef-8f490e613d42</id>
		<definition>
			<key>100</key>
			<value>RefusedByProvider</value>
		</definition>
		<createdOn>2024-06-20T16:56:10.933</createdOn>
		<paymentStateDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderResponseCode</key>
				<value>92</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderResponseMessage</key>
				<value>Duplicate transaction detected but bank routing number does not match.</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentStateReasonID</key>
				<value>1</value>
			</detail>
		</paymentStateDetails>
	</state>
	<isExecuted>false</isExecuted>
	<baseAmount currencyCode="EUR">7.5300</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>10002997</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>d1e93745-3528-461e-87de-28554d1810be</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>accountNumber</key>
				<value>7210956515</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerFirstname</key>
				<value>Sherlock</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerLastname</key>
				<value>Holmes</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerTelephoneNumber</key>
				<value>12132378999</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>

Final approval or abort by the merchant

When the merchant is ready to execute the payment and pass the funds to the users wallet, the merchant should call excutePaymentAction call with action 50010 (accept) or action 152 (abort).

When sending the executePaymentAction request, the merchant has to send a detail FundTransferType.

InstantPaymentEligible	Available FundTransferType options
true	SDA (Same Day) and INP (Instant Payment)
false	ACH

The following states can be returned in executePaymentActionResponse:

State	Description
AbortedOnProvider (397)	Withdrawal is not executed.
WithdrawnByProvider (20)	The withdrawal payment is executed successfully.
WithdrawErrorReportedByProvider (21)	Some data sent in the withdrawal request was incorrect or missing. Please check with PXP merchant support.
RefusedByProvider (100)	The withdrawal payment was refused by provider.

Merchant aborts withdrawal - executePaymentActionRequest:

<executePaymentActionRequest xmlns:xsd=http://www.w3.org/2001/XMLSchema
                             xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                             xmlns=http://www.cqrpayments.com/PaymentProcessing>
<merchantID>B2BTestMerchant</merchantID>
<shopID>VIPPreferredRedirectDepositShop</shopID>
<paymentID>18bec409-3a02-48c3-b92c-c23c323a5bae</paymentID>
<actionID>152</actionID>
<actionData>
	<data xsi:type="keyStringValuePair">
		<key>PaymentID</key>
		<value>18bec409-3a02-48c3-b92c-c23c323a5bae</value>
	</data>
</actionData>
</executePaymentActionRequest>

Merchant aborts withdrawal - executePaymentActionResponse:

< executePaymentActionResponse
  xmlns:xsd=http://www.w3.org/2001/XMLSchema
  xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
  xmlns=http://www.cqrpayments.com/PaymentProcessing>
<statusCode>1</statusCode>
<actionResults>
	<result xsi:type="keyStringValuePair">
		<key>lastStateDefinition</key>
		<value>397</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>PaymentStateReasonID</key>
		<value>1</value>
	</result>
</actionResults>
</executePaymentActionResponse>

Merchant approves withdrawal - executePaymentActionRequest:

<executePaymentActionRequest xmlns:xsd=http://www.w3.org/2001/XMLSchema
                             xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                             xmlns=http://www.cqrpayments.com/PaymentProcessing>
<merchantID>B2BTestMerchant</merchantID>
<shopID>VIPPreferredRedirectDepositShop</shopID>
<paymentID>f6835c89-fc1a-4f5a-82e4-b10eb7456a86</paymentID>
<actionID>50010</actionID>
<actionData>
	<data xsi:type="keyStringValuePair">
		<key>PaymentID</key>
		<value>f6835c89-fc1a-4f5a-82e4-b10eb7456a86</value>
	</data>
	<data xsi:type="keyStringValuePair">
		<key>FundTransferType</key>
		<value>ACH</value>
	</data>
</actionData>
</executePaymentActionRequest>

Merchant approves withdrawal - executePaymentActionResponse:

<executePaymentActionResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema
                              xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                              xmlns=http://www.cqrpayments.com/PaymentProcessing>
<statusCode>0</statusCode>
<actionResults>
	<result xsi:type="keyStringValuePair">
		<key>lastStateDefinition</key>
		<value>20</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>BankName</key>
		<value>Tri-Rivers Fcu</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>ClientIP</key>
		<value>84.115.216.20</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>RoutingNumber</key>
		<value>262276575</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>UnmaskedAccountNumber</key>
		<value>1111112877</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>MaskedAccountNumber</key>
		<value>******2877</value>
	</result>
</actionResults>
</executePaymentActionResponse>

Merchant approves withdrawal - executePaymentActionResponse with state WithdrawErrorReportedByProvider:

<executePaymentActionResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema
                              xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                              xmlns=http://www.cqrpayments.com/PaymentProcessing>
<statusCode>0</statusCode>
<actionResults>
	<result xsi:type="keyStringValuePair">
		<key>lastStateDefinition</key>
		<value>21</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>ProviderErrorResponseCode</key>
		<value>400</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>ProviderErrorResponseMessage</key>
		<value>"'Home Phone Number' must not be empty."</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>PaymentStateReasonID</key>
		<value>1</value>
	</result>
</actionResults>
</executePaymentActionResponse>

Merchant approves withdrawal - executePaymentActionResponse with state RefusedByProvider:

<executePaymentActionResponse xmlns:xsd=http://www.w3.org/2001/XMLSchema
                              xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                              xmlns=http://www.cqrpayments.com/PaymentProcessing>
<statusCode>0</statusCode>
<actionResults>
	<result xsi:type="keyStringValuePair">
		<key>lastStateDefinition</key>
		<value>100</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>ProviderErrorResponseMessage</key>
		<value>WithdrawApproval has FAILED because the bank account was not found with Transaction Id: 234623462346.</value>
	</result>
	<result xsi:type="keyStringValuePair">
		<key>PaymentStateReasonID</key>
		<value>1</value>
	</result>
</actionResults>
</executePaymentActionResponse>

Test data

Please contact PXP for test data.

Withdrawal Returns

If withdrawal payments are returned, PXP Financial will send a notification to the merchant.

A notification for ReturnedByProvider state of payment method VIPPreferred Redirect Withdrawal Return is sent.

The following paymentDetails are included in the notification:

Detail (Type)	Description
ProviderExternalID (string)	ProviderExternalID set by PXP
SettlementCurrencyCode (integer)	defaults to 840 (USD)
CustomerName (string)	Customer name
Reason (string)	Reason for Return
SettlementAmount (decimal)	Amount
OriginalPaymentID (string)	PaymentID of the original withdrawal payment
OriginalPaymentMerchantTransactionID (string)	MerchantTransactionID of the original withdrawal payment
OriginalPaymentID (string)	PaymentID of the original withdrawal payment
OriginalPaymentMethodName (string)	Payment method name of the original withdrawal payment, thus VIPPreferred Redirect Withdrawal

Return Reasons:

Account Closed
No Account / Unable to Locate
Invalid Account Number
Credit Entry Refused By Receiver

Additional return reasons might be added by PavilionPay.

Sample handlePaymentStateChangedNotificationRequest:

<handlePaymentStateChangedNotificationRequest xmlns:xsd=http://www.w3.org/2001/XMLSchema
                                              xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance
                                              xmlns=http://www.cqrpayments.com/PaymentProcessing>
<payment
         xsi:type="paymentWithPaymentAccount">
	<merchantID>B2BTestMerchant</merchantID>
	<shopID>VIPPreferredRedirectDepositShop</shopID>
	<paymentMethod>
		<key>453</key>
		<value>VIPPreferred Redirect Withdrawal Return</value>
	</paymentMethod>
	<merchantTransactionID>1923f6ab-2b94-4faa-8e17-50bb267eb9a9</merchantTransactionID>
	<paymentID>4f67e542-6a6e-4fa2-8a90-c379f35e7d5c</paymentID>
	<userID>VIPPreferredWithdrawalExistingPA</userID>
	<paymentProvider>
		<key>213</key>
		<value>Pavilionpay</value>
	</paymentProvider>
	<amount currencyCode="USD">500.0100</amount>
	<creationType>
		<key>6</key>
		<value>Provider</value>
	</creationType>
	<state>
		<id>e944eb3b-399e-41db-be2d-c486cc775979</id>
		<definition>
			<key>279</key>
			<value>ReturnedByProvider</value>
		</definition>
		<createdOn>2024-07-15T16:50:51.743</createdOn>
		<paymentStateDetails xsi:nil="true"/>
	</state>
	<isExecuted>true</isExecuted>
	<baseAmount currencyCode="EUR">375.6900</baseAmount>
	<paymentDetails>
		<detail xsi:type="keyStringValuePair">
			<key>ProviderExternalID</key>
			<value>536707cb-48e3-4c97-92db-db1a991852dc</value>
		</detail>
		<detail xsi:type="keyIntValuePair">
			<key>SettlementCurrencyCode</key>
			<value>840</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>CustomerName</key>
			<value>MALONE,DAVID</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>Reason</key>
			<value>CREDIT ENTRY REFUSED BY RECEIVER</value>
		</detail>
		<detail xsi:type="keyDecimalValuePair">
			<key>SettlementAmount</key>
			<value>500.010000000</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentID</key>
			<value>d3f6ccd8-0ff2-4c44-941e-3ff35bf7c00d</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMerchantTransactionID</key>
			<value>1923f6ab-2b94-4faa-8e17-50bb267eb9a9</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMethodID</key>
			<value>448</value>
		</detail>
		<detail xsi:type="keyStringValuePair">
			<key>OriginalPaymentMethodName</key>
			<value>VIPPreferred Redirect Withdrawal</value>
		</detail>
	</paymentDetails>
	<paymentAccount>
		<paymentAccountID>d1e93745-3528-461e-87de-28554d1810be</paymentAccountID>
		<details>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerFirstname</key>
				<value>Sherlock</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerLastname</key>
				<value>Holmes</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>AccountOwnerTelephoneNumber</key>
				<value>12132378999</value>
			</detail>
		</details>
	</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>

VIP Preferred Redirect Withdrawal

Flow overview

Redirect Integration

Backend2BackendIntegration - Account Inquiry

📘
User enrolled in the VIP Preferred Network

🚧
User may already be enrolled in the VIP Preferred Network

Backend2BackendIntegration - Withdrawal initiation for existing users

❗️
InitiateRequestProviderCommunicationError

Redirect to Provider

Provider screenshots

Intermediate notification

Final approval or abort by the merchant

Test data

Withdrawal Returns

Flow overview

Redirect Integration

Backend2BackendIntegration - Account Inquiry

📘User enrolled in the VIP Preferred Network

🚧User may already be enrolled in the VIP Preferred Network

Backend2BackendIntegration - Withdrawal initiation for existing users

❗️InitiateRequestProviderCommunicationError

Redirect to Provider

Provider screenshots

Intermediate notification

Final approval or abort by the merchant

Test data

Withdrawal Returns

📘
User enrolled in the VIP Preferred Network

🚧
User may already be enrolled in the VIP Preferred Network

❗️
InitiateRequestProviderCommunicationError