Cross-Referencing

Merchant Referencing

It is possible to enable cross payment account references for a merchant in Wirecard Payment Gateway. It means a transaction from the merchant account A can reference another one from the merchant account B if its processing user has access rights also to the merchant account A. This is a typical scenario for marketplace portals where a consumer can allow to reuse his payment instrument for the further orders without the new authentication process (so-called one-click-payment).

Merchant Setup

It is possible to reference a previous transaction using a different merchant account.

Precondition

The general rule is:

  • The processing user used in the referencing transaction must have access rights to the merchant account of the referenced transaction.

  • The access rights to a particular merchant account for the given processing user must be established on the ACL level.

In order to enable the cross reference feature for a merchant account the following global merchant parameter must be set to true: global.crossreference.enabled

In order to see the cross referenced transactions in WEP, the WEP user must also be granted to access the data of the referenced merchant account. If this is not the case, the cross referenced transactions are not shown inside the payment details list. i.e. the user cannot see the transaction data of other merchants even if their transactions are referencing the transactions of the others. This is a default setup situation for a merchant WEP user.

The billing logic for the cross referenced transactions is unchanged. The cross referenced transactions are billed for the corresponding merchant account used in the payment request.

The merchant reconciliation report is unchanged as well. The cross referenced transactions are reported inside the reconciliation file for the corresponding merchant account.

Samples
Initial Transaction
Note that the "periodic" attribute must be selected to mark which transaction is the first and will be referenced later.
XML get-url Request for i.e. "iDEAL"
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>c7f1ba89-73ce-4237-9873-64295913ce7d</merchant-account-id>
    <request-id>2f3eb6ce-509c-4eb5-9f3f-527198e9ff75</request-id>
    <transaction-type>get-url</transaction-type>
    <payment-methods>
        <payment-method name="ideal"/>
    </payment-methods>
    <requested-amount currency="EUR">2.31</requested-amount>
    <order-description>test order</order-description>
    <descriptor>customerStatement 18009998888</descriptor>
    <bank-account>
        <bic>INGBNL2A</bic>
    </bank-account>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>19317</order-number>
    <mandate>
        <mandate-id>manid</mandate-id>
        <signed-date>02-02-2015</signed-date>
    </mandate>
    <creditor-id>DE98ZZZ09999999999</creditor-id>
    <periodic>
        <periodic-type>installment</periodic-type>
        <sequence-type>first</sequence-type>
    </periodic>
</payment>
XML get-url Response for i.e. "iDEAL"
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>c7f1ba89-73ce-4237-9873-64295913ce7d</merchant-account-id>
    <transaction-id>713e3527-1a4b-11e5-b3a3-0050b65c678c</transaction-id>
    <request-id>2f3eb6ce-509c-4eb5-9f3f-527198e9ff75</request-id>
    <transaction-type>get-url</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2015-06-24T10:31:58.000+02:00</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">2.31</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>19317</order-number>
    <descriptor>customerStatement 18009998888</descriptor>
    <payment-methods>
        <payment-method url="https://idealtest.secure-ing.com/ideal/issuerSim.do?trxid=0050000101476386&amp;ideal=prob" name="ideal"/>
    </payment-methods>
    <bank-account>
        <bic>INGBNL2A</bic>
    </bank-account>
    <mandate>
        <mandate-id>manid</mandate-id>
        <signed-date>02-02-2015</signed-date>
    </mandate>
    <creditor-id>DE98ZZZ09999999999</creditor-id>
    <periodic>
        <periodic-type>installment</periodic-type>
        <sequence-type>first</sequence-type>
    </periodic>
</payment>
XML Debit Notification for iDEAL
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>c7f1ba89-73ce-4237-9873-64295913ce7d</merchant-account-id>
    <transaction-id>739faf84-1a4b-11e5-b3a3-0050b65c678c</transaction-id>
    <request-id>2f3eb6ce-509c-4eb5-9f3f-527198e9ff75</request-id>
    <transaction-type>debit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2015-06-24T10:32:00.000+02:00</completion-time-stamp>
    <statuses>
        <status code="201.1126" description="ideal:Successful confirmation received from the bank." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">2.31</requested-amount>
    <account-holder>
        <first-name>Hr</first-name>
        <last-name>E G H Küppers en/of MW M.J. Küpp</last-name>
    </account-holder>
    <order-number>19317</order-number>
    <descriptor>customerStatement 18009998888</descriptor>
    <payment-methods>
        <payment-method name="ideal"/>
    </payment-methods>
    <mandate>
        <mandate-id>manid</mandate-id>
        <signed-date>0007-08-08T00:00:00.000+01:00</signed-date>
    </mandate>
    <creditor-id>DE98ZZZ09999999999</creditor-id>
    <api-id>---</api-id>
    <periodic>
        <periodic-type>installment</periodic-type>
        <sequence-type>first</sequence-type>
    </periodic>
    <Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
        <SignedInfo>
            <CanonicalizationMethod Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/>
            <SignatureMethod Algorithm="http://www.w3.org/2000/09/xmldsig#rsa-sha1"/>
            <Reference URI="">
                <Transforms>
                    <Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature"/>
                </Transforms>
                <DigestMethod Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/>
                <DigestValue>bZHaJgxjFpyO7VnpTwaTWa3ynM8=</DigestValue>
            </Reference>
        </SignedInfo>
        <SignatureValue>ZWOEjEbw1k4xfW85qTWSfaXFEPL4i1QuopVjmRctiZ844DYqninTi7qO6xRM4EbC3hBi5da2/yn1
EGBO6T3Z8FrlmQtOgoIV5iGBqWqDZMF+EB7UTwMXU+VQMNCzOLFBLgDacVCMHCuEvcWVKJO5y+SD
0abg8rOX1P/oaaLmHYSsFk7TC/s0BcGl7pb3VSW3KhOAIFx2t0FEEioE2+t7GUgVNPs8FlxnWHZ2
yQIFblEEMmFD5UrAmHJ/uUj8c4qmGgQ2EcdSSvUO8gy1LZisstQrN8GhwyvaimrSv/QKwvAAwTnO
+ms/TVEGoKuaKCZzxHPGquQFQ8pG5cdG+m/JjQ==</SignatureValue>
        <KeyInfo>
            <X509Data>
                <X509SubjectName>CN=Manoj Sahu,OU=Operations,O=Wirecard Elastic Payments,L=Toronto,ST=ON,C=CA</X509SubjectName>
                <X509Certificate>MIIDcDCCAligAwIBAgIETgQWGTANBgkqhkiG9w0BAQUFADB6MQswCQYDVQQGEwJDQTELMAkGA1UE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</X509Certificate>
            </X509Data>
        </KeyInfo>
    </Signature>
</payment>
JSON get-url Request for i.e. "iDEAL"
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "c7f1ba89-73ce-4237-9873-64295913ce7d"
    },
    "request-id" : "2f3eb6ce-509c-4eb5-9f3f-527198e9ff75",
    "transaction-type" : "get-url",
    "requested-amount" : {
      "value" : 2.31,
      "currency" : "EUR"
    },
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "order-number" : "19317",
    "descriptor" : "customerStatement 18009998888",
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "ideal"
      } ]
    },
    "bank-account" : {
      "bic" : "INGBNL2A"
    },
    "mandate" : {
      "mandate-id" : "manid",
      "signed-date" : "02-02-2015"
    },
    "creditor-id" : "DE98ZZZ09999999999",
    "periodic" : {
      "periodic-type" : "installment",
      "sequence-type" : "first"
    }
  }
}
JSON get-url Response for i.e. "iDEAL"
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "c7f1ba89-73ce-4237-9873-64295913ce7d"
    },
    "transaction-id" : "713e3527-1a4b-11e5-b3a3-0050b65c678c",
    "request-id" : "2f3eb6ce-509c-4eb5-9f3f-527198e9ff75",
    "transaction-type" : "get-url",
    "transaction-state" : "success",
    "completion-time-stamp" : 1435134718000,
    "statuses" : {
      "status" : [ {
        "value" : "",
        "code" : "201.0000",
        "description" : "The resource was successfully created.",
        "severity" : "information"
      } ]
    },
    "requested-amount" : {
      "value" : 2.31,
      "currency" : "EUR"
    },
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "order-number" : "19317",
    "descriptor" : "customerStatement 18009998888",
    "payment-methods" : {
      "payment-method" : [ {
        "url" : "https://idealtest.secure-ing.com/ideal/issuerSim.do?trxid=0050000101476386&ideal=prob",
        "name" : "ideal"
      } ]
    },
    "bank-account" : {
      "bic" : "INGBNL2A"
    },
    "mandate" : {
      "mandate-id" : "manid",
      "signed-date" : "02-02-2015"
    },
    "creditor-id" : "DE98ZZZ09999999999",
    "periodic" : {
      "periodic-type" : "installment",
      "sequence-type" : "first"
    }
  }
}
Recurring Transaction
This is a request for SEPA Credit where periodic type is "recurring". This means that this is a referencing payment. Please note that the "parent-transaction-id" is the same as the one from the response of the "first" (parent) transaction.
XML SEPA Credit Request Cross-Merchant Payment
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>e7c87536-2e7d-4cfc-abc8-9bb1d81907ca</merchant-account-id>
    <request-id>3864ca4a-eaac-4a65-968c-047676fd6101</request-id>
    <transaction-type>credit</transaction-type>
    <requested-amount currency="EUR">1.01</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <payment-methods>
        <payment-method name="sepacredit"/>
    </payment-methods>
    <mandate>
        <mandate-id>mandid</mandate-id>
        <signed-date>2015-01-05</signed-date>
    </mandate>
    <creditor-id>XY98ZZZ09999999999</creditor-id>
    <consumer>
        <first-name/>
        <last-name/>
    </consumer>
    <periodic>
        <periodic-type>recurring</periodic-type>
        <sequence-type>recurring</sequence-type>
    </periodic>
    <parent-transaction-id>3aa87578-1a4c-11e5-b3a3-0050b65c678c</parent-transaction-id>
</payment>
XML SEPA Credit Response Cross-Merchant Payment
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>e7c87536-2e7d-4cfc-abc8-9bb1d81907ca</merchant-account-id>
    <transaction-id>3da64fb6-1a4c-11e5-b3a3-0050b65c678c</transaction-id>
    <request-id>3864ca4a-eaac-4a65-968c-047676fd6101</request-id>
    <transaction-type>credit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2015-06-24T10:37:39.000+02:00</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">1.01</requested-amount>
    <parent-transaction-id>3aa87578-1a4c-11e5-b3a3-0050b65c678c</parent-transaction-id>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>28862</order-number>
    <descriptor>customerStatement 18009998888</descriptor>
    <payment-methods>
        <payment-method name="sepacredit"/>
    </payment-methods>
    <bank-account>
        <iban>NL53INGB0654422370</iban>
        <bic>INGBNL2A</bic>
    </bank-account>
    <mandate>
        <mandate-id>mandid</mandate-id>
        <signed-date>2015-01-05</signed-date>
    </mandate>
    <creditor-id>XY98ZZZ09999999999</creditor-id>
    <periodic>
        <periodic-type>recurring</periodic-type>
        <sequence-type>recurring</sequence-type>
    </periodic>
    <consumer>
        <first-name/>
        <last-name/>
    </consumer>
    <provider-transaction-reference-id>7BE65FA70E</provider-transaction-reference-id>
    <instrument-country>NL</instrument-country>
</payment>
XML SEPA Credit Notification (Successful)
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>e7c87536-2e7d-4cfc-abc8-9bb1d81907ca</merchant-account-id>
    <transaction-id>3ddf60d2-1a4c-11e5-b3a3-0050b65c678c</transaction-id>
    <request-id>3864ca4a-eaac-4a65-968c-047676fd6101</request-id>
    <transaction-type>credit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2015-06-24T10:37:40.000+02:00</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="bank:The resource was successfully created." provider-transaction-id="61ab74011ab6e13a797b00e47bf01106" severity="information"/>
    </statuses>
    <requested-amount currency="EUR">1.010000</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>28862</order-number>
    <descriptor>customerStatement 18009998888</descriptor>
    <payment-methods>
        <payment-method name="sepacredit"/>
    </payment-methods>
    <mandate>
        <mandate-id>mandid</mandate-id>
        <signed-date>2015-01-05T00:00:00.000+01:00</signed-date>
    </mandate>
    <creditor-id>XY98ZZZ09999999999</creditor-id>
    <api-id>---</api-id>
    <periodic>
        <periodic-type>recurring</periodic-type>
        <sequence-type>recurring</sequence-type>
    </periodic>
    <provider-transaction-reference-id>7BE65FA70E</provider-transaction-reference-id>
    <instrument-country>NL</instrument-country>
    <Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
        <SignedInfo>
            <CanonicalizationMethod Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/>
            <SignatureMethod Algorithm="http://www.w3.org/2000/09/xmldsig#rsa-sha1"/>
            <Reference URI="">
                <Transforms>
                    <Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature"/>
                </Transforms>
                <DigestMethod Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/>
                <DigestValue>aufM08TY4Xqa70knFRr93HXsy7I=</DigestValue>
            </Reference>
        </SignedInfo>
        <SignatureValue>cFkjLvNakh/1lg+0kBhgSYvWymv8+09iPHeidjXy/J2Z8xptwXj6429cC/qYJxqX7gRCXhVMPBRv
kw4dX0n+PsXGHkPcqdDR2O1UshtgxSMoqaiOU+aHrZAS0UORW/23iSXl4ww9yYknphDQknCCXAkl
E1suX6eX34tUi1WNf1IVchDm6Og5wi5m1y7YaV5H5VT+YFsbKf5/wn+RMpDol97R6gRk97gKA5rd
jIU4atMRtyGz3aOkv2Gxejnh8dvB6PXCieK2MrsocOjEyoOvN2ZN5dzhgbOlvBrwo+Jc8E74tWti
22d5HUDxH1SwTXVnOJHylwxZP7Nog1LfUvpzzg==</SignatureValue>
        <KeyInfo>
            <X509Data>
                <X509SubjectName>CN=Manoj Sahu,OU=Operations,O=Wirecard Elastic Payments,L=Toronto,ST=ON,C=CA</X509SubjectName>
                <X509Certificate>MIIDcDCCAligAwIBAgIETgQWGTANBgkqhkiG9w0BAQUFADB6MQswCQYDVQQGEwJDQTELMAkGA1UE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</X509Certificate>
            </X509Data>
        </KeyInfo>
    </Signature>
</payment>
JSON SEPA Credit Request Cross-Merchant Payment
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "e7c87536-2e7d-4cfc-abc8-9bb1d81907ca"
    },
    "request-id" : "3864ca4a-eaac-4a65-968c-047676fd6101",
    "transaction-type" : "credit",
    "requested-amount" : {
      "value" : 1.01,
      "currency" : "EUR"
    },
    "parent-transaction-id" : "3aa87578-1a4c-11e5-b3a3-0050b65c678c",
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "sepacredit"
      } ]
    },
    "mandate" : {
      "mandate-id" : "mandid",
      "signed-date" : "2015-01-05"
    },
    "creditor-id" : "XY98ZZZ09999999999",
    "periodic" : {
      "periodic-type" : "recurring",
      "sequence-type" : "recurring"
    },
    "consumer" : {
      "first-name" : "",
      "last-name" : ""
    }
  }
}
JSON SEPA Credit Response Cross-Merchant Payment
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "e7c87536-2e7d-4cfc-abc8-9bb1d81907ca"
    },
    "transaction-id" : "3da64fb6-1a4c-11e5-b3a3-0050b65c678c",
    "request-id" : "3864ca4a-eaac-4a65-968c-047676fd6101",
    "transaction-type" : "credit",
    "transaction-state" : "success",
    "completion-time-stamp" : 1435135059000,
    "statuses" : {
      "status" : [ {
        "value" : "",
        "code" : "201.0000",
        "description" : "The resource was successfully created.",
        "severity" : "information"
      } ]
    },
    "requested-amount" : {
      "value" : 1.01,
      "currency" : "EUR"
    },
    "parent-transaction-id" : "3aa87578-1a4c-11e5-b3a3-0050b65c678c",
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "order-number" : "28862",
    "descriptor" : "customerStatement 18009998888",
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "sepacredit"
      } ]
    },
    "bank-account" : {
      "iban" : "NL53INGB0654422370",
      "bic" : "INGBNL2A"
    },
    "mandate" : {
      "mandate-id" : "mandid",
      "signed-date" : "2015-01-05"
    },
    "creditor-id" : "XY98ZZZ09999999999",
    "periodic" : {
      "periodic-type" : "recurring",
      "sequence-type" : "recurring"
    },
    "consumer" : {
      "first-name" : "",
      "last-name" : ""
    },
    "provider-transaction-reference-id" : "7BE65FA70E",
    "instrument-country" : "NL"
  }
}

Payment Methods

Cross-Payment-Methods Referencing helps to reduce fraud in recurring payments, because the merchant can reference two payment methods.

The initial transaction has to be performed with a method that requires access credentials from the customer.

With the referencing of two payment methods the merchant can avoid that a SEPA Direct Debit transaction, if used as initial transaction, is returned after he has already provided the consumer with the purchased goods or services.

The main reasons for returned SEPA Direct Debit transaction are:

  • "Bank account not existing"

  • "Invalid bank data"

Cross-Payment-Methods Referencing is available, when the merchant has

  • several online banking payment methods configured within MAID.

  • installed Wirecard Payment Gateway backend and Payment Page integrations.

Cross-Payment-Methods Referencing is executed in two steps:

  • The initial transaction is placed by the customer actively via one of the supported online banking payment methods:

    • Sofort.

    • iDEAL

    • giropay

    • eps-Überweisung

If the initial transaction is successful, the bank details IBAN and BIC are saved in the database, but not returned in the response.

Not every bank provides bank account data. Wirecard Payment Gateway can only process bank account data if provided by the bank.
  • The subsequent transaction is a SEPA Direct Debit transaction. The merchant receives a transaction ID from the initial transaction which is used later to place a referenced SEPA Direct Debit transaction without knowing the bank account details as they are automatically connected to the transaction ID.

This functionality allows e.g. easier subscription management.

  • All mandatory SEPA Direct Debit transaction fields must be provided in the initial transaction so that they can be used in the subsequent SEPA Direct Debit transaction. Mandatory SEPA fields are:

    • Mandate ID,

    • Mandate Signature Date

    • Creditor ID

  • The initial transaction must have a sequence type "first" to avoid a SEPA Direct Debit transaction with the sequence type "recurring" to be rejected by the system.

  • The subsequent transaction requires the sequence type "recurring".

A clear position for the "periodic" tag cannot be established. It can be set either in the initial transaction iDEAL or in the subsequent transaction within the SEPA Direct Debit.

The advantages, setting it in the subsequent transaction are:

  • Integration of original payment method (e.g. iDEAL, Sofort., …) does not need to be amended.

  • If you are using SEPA as an additional payment option, the behavior where to send the periodic tags is identical.

API Endpoint for referenced transactions for alternative payment methods is always: https://api-test.wirecard.com/engine/rest/payments
Samples
Periodic In Initial Transaction

This section describes a set of requests and responses in which the "periodic" tag is set right in the beginning, in the Request Initial iDEAL.

XML get-url Request Initial iDEAL
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41</merchant-account-id>
    <request-id>b2ddf106-0f00-41da-b8af-64429b3ee329</request-id>
    <transaction-type>get-url</transaction-type>
    <payment-methods>
        <payment-method name="ideal"/>
    </payment-methods>
    <requested-amount currency="EUR">2.31</requested-amount>
    <order-description>test order</order-description>
    <descriptor>customerStatement 18009998888</descriptor>
    <bank-account>
        <bic>INGBNL2A</bic>
    </bank-account>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>43606</order-number>
    <mandate>
        <mandate-id>manid</mandate-id>
        <signed-date>2015-02-02</signed-date>
    </mandate>
    <creditor-id>DE98ZZZ09999999999</creditor-id>
    <periodic>
        <periodic-type>installment</periodic-type>
        <sequence-type>first</sequence-type>
    </periodic>
</payment>
XML get-url Response Initial iDEAL
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41</merchant-account-id>
    <transaction-id>b8b27f18-4003-11e5-919b-005056a64448</transaction-id>
    <request-id>b2ddf106-0f00-41da-b8af-64429b3ee329</request-id>
    <transaction-type>get-url</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2015-08-11T07:07:08.000Z</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">2.31</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>43606</order-number>
    <descriptor>customerStatement 18009998888</descriptor>
    <payment-methods>
        <payment-method url="https://idealtest.secure-ing.com/ideal/issuerSim.do?trxid=0050000102513955&amp;ideal=prob" name="ideal"/>
    </payment-methods>
    <bank-account>
        <bic>INGBNL2A</bic>
    </bank-account>
    <mandate>
        <mandate-id>manid</mandate-id>
        <signed-date>2015-02-02</signed-date>
    </mandate>
    <creditor-id>DE98ZZZ09999999999</creditor-id>
    <periodic>
        <periodic-type>installment</periodic-type>
        <sequence-type>first</sequence-type>
    </periodic>
</payment>
XML Debit Notification for Initial iDEAL
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41</merchant-account-id>
    <transaction-id>42d9e5e4-d3e8-4a1a-bc7a-7811648c5d38</transaction-id>
    <request-id>b2ddf106-0f00-41da-b8af-64429b3ee329</request-id>
    <transaction-type>debit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2015-08-^1T10:32:00.000+02:00</completion-time-stamp>
    <statuses>
        <status code="201.1126" description="ideal:Successful confirmation received from the bank." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">2.31</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>43606</order-number>
    <descriptor>customerStatement 18009998888</descriptor>
    <payment-methods>
        <payment-method name="ideal"/>
    </payment-methods>
   <mandate>
        <mandate-id>manid</mandate-id>
        <signed-date>2015-02-02</signed-date>
    </mandate>
    <creditor-id>DE98ZZZ09999999999</creditor-id>
    <api-id>---</api-id>
    <periodic>
        <periodic-type>installment</periodic-type>
        <sequence-type>first</sequence-type>
    </periodic>
    <Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
        <SignedInfo>
            <CanonicalizationMethod Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/>
            <SignatureMethod Algorithm="http://www.w3.org/2000/09/xmldsig#rsa-sha1"/>
            <Reference URI="">
                <Transforms>
                    <Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature"/>
                </Transforms>
                <DigestMethod Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/>
                <DigestValue>bZHaJgxjFpyO7VnpTwaTWa3ynM8=</DigestValue>
            </Reference>
        </SignedInfo>
        <SignatureValue>ZWOEjEbw1k4xfW85qTWSfaXFEPL4i1QuopVjmRctiZ844DYqninTi7qO6xRM4EbC3hBi5da2/yn1
EGBO6T3Z8FrlmQtOgoIV5iGBqWqDZMF+EB7UTwMXU+VQMNCzOLFBLgDacVCMHCuEvcWVKJO5y+SD
0abg8rOX1P/oaaLmHYSsFk7TC/s0BcGl7pb3VSW3KhOAIFx2t0FEEioE2+t7GUgVNPs8FlxnWHZ2
yQIFblEEMmFD5UrAmHJ/uUj8c4qmGgQ2EcdSSvUO8gy1LZisstQrN8GhwyvaimrSv/QKwvAAwTnO
+ms/TVEGoKuaKCZzxHPGquQFQ8pG5cdG+m/JjQ==</SignatureValue>
        <KeyInfo>
            <X509Data>
                <X509SubjectName>CN=Manoj Sahu,OU=Operations,O=Wirecard Elastic Payments,L=Toronto,ST=ON,C=CA</X509SubjectName>
                <X509Certificate>MIIDcDCCAligAwIBAgIETgQWGTANBgkqhkiG9w0BAQUFADB6MQswCQYDVQQGEwJDQTELMAkGA1UE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</X509Certificate>
            </X509Data>
        </KeyInfo>
    </Signature>
</payment>
JSON get-url Request Initial iDEAL
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41"
    },
    "request-id" : "b2ddf106-0f00-41da-b8af-64429b3ee329",
    "transaction-type" : "get-url",
    "requested-amount" : {
      "value" : 2.31,
      "currency" : "EUR"
    },
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "order-number" : "43606",
    "descriptor" : "customerStatement 18009998888",
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "ideal"
      } ]
    },
    "bank-account" : {
      "bic" : "INGBNL2A"
    },
    "mandate" : {
      "mandate-id" : "manid",
      "signed-date" : "2015-02-02"
    },
    "creditor-id" : "DE98ZZZ09999999999",
    "periodic" : {
      "periodic-type" : "installment",
      "sequence-type" : "first"
    }
  }
}
JSON get-url Response Initial iDEAL
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41"
    },
    "transaction-id" : "b8b27f18-4003-11e5-919b-005056a64448",
    "request-id" : "b2ddf106-0f00-41da-b8af-64429b3ee329",
    "transaction-type" : "get-url",
    "transaction-state" : "success",
    "completion-time-stamp" : 1439276828000,
    "statuses" : {
      "status" : [ {
        "value" : "",
        "code" : "201.0000",
        "description" : "The resource was successfully created.",
        "severity" : "information"
      } ]
    },
    "requested-amount" : {
      "value" : 2.31,
      "currency" : "EUR"
    },
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "order-number" : "43606",
    "descriptor" : "customerStatement 18009998888",
    "payment-methods" : {
      "payment-method" : [ {
        "url" : "https://idealtest.secure-ing.com/ideal/issuerSim.do?trxid=0050000102513955&ideal=prob",
        "name" : "ideal"
      } ]
    },
    "bank-account" : {
      "bic" : "INGBNL2A"
    },
    "mandate" : {
      "mandate-id" : "manid",
      "signed-date" : "2015-02-02"
    },
    "creditor-id" : "DE98ZZZ09999999999",
    "periodic" : {
      "periodic-type" : "installment",
      "sequence-type" : "first"
    }
  }
}
Recurring Transaction Referencing iDEAL Payment
Referenced SEPA payment does not contain mandatory fields in the request as these are taken from the initial iDEAL payment based on parent transaction ID.
XML SEPA Direct Debit Request Following
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41</merchant-account-id>
    <request-id>72ae0263-384f-41cc-8caa-aa78330afca3</request-id>
    <transaction-type>debit</transaction-type>
    <requested-amount currency="EUR">1.01</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <payment-methods>
        <payment-method name="sepadirectdebit"/>
    </payment-methods>
    <consumer>
        <first-name/>
        <last-name/>
    </consumer>
    <periodic>
        <periodic-type>recurring</periodic-type>
        <sequence-type>recurring</sequence-type>
    </periodic>
    <parent-transaction-id>42d9e5e4-d3e8-4a1a-bc7a-7811648c5d38</parent-transaction-id>
</payment>
XML SEPA Direct Debit Response Following (Successful)
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41</merchant-account-id>
    <transaction-id>bcd853f6-4003-11e5-919b-005056a64448</transaction-id>
    <request-id>72ae0263-384f-41cc-8caa-aa78330afca3</request-id>
    <transaction-type>debit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2015-08-11T08:34:10.000Z</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">1.01</requested-amount>
    <parent-transaction-id>b8b27f18-4003-11e5-919b-005056a64448</parent-transaction-id>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>39849</order-number>
    <descriptor>customerStatement 18009998888</descriptor>
    <payment-methods>
        <payment-method name="sepadirectdebit"/>
    </payment-methods>
    <bank-account>
        <iban>NL53INGB0654422370</iban>
        <bic>INGBNL2A</bic>
    </bank-account>
    <mandate>
        <mandate-id>manid</mandate-id>
        <signed-date>2015-02-02</signed-date>
    </mandate>
    <creditor-id>DE98ZZZ09999999999</creditor-id>
    <due-date>2015-08-17</due-date>
    <periodic>
        <periodic-type>recurring</periodic-type>
        <sequence-type>recurring</sequence-type>
    </periodic>
    <consumer>
        <first-name/>
        <last-name/>
    </consumer>
    <provider-transaction-reference-id>261AD6D93C</provider-transaction-reference-id>
    <instrument-country>NL</instrument-country>
</payment>
JSON SEPA Direct Debit Request Following
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41"
    },
    "request-id" : "72ae0263-384f-41cc-8caa-aa78330afca3",
    "transaction-type" : "debit",
    "requested-amount" : {
      "value" : 1.01,
      "currency" : "EUR"
    },
    "parent-transaction-id" : "b8b27f18-4003-11e5-919b-005056a64448",
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "sepadirectdebit"
      } ]
    },
    "periodic" : {
      "periodic-type" : "recurring",
      "sequence-type" : "recurring"
    },
    "consumer" : {
      "first-name" : "",
      "last-name" : ""
    }
  }
}
JSON SEPA Direct Debit Response Following (Successful)
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41"
    },
    "transaction-id" : "bcd853f6-4003-11e5-919b-005056a64448",
    "request-id" : "72ae0263-384f-41cc-8caa-aa78330afca3",
    "transaction-type" : "debit",
    "transaction-state" : "success",
    "completion-time-stamp" : 1439282050000,
    "statuses" : {
      "status" : [ {
        "value" : "",
        "code" : "201.0000",
        "description" : "The resource was successfully created.",
        "severity" : "information"
      } ]
    },
    "requested-amount" : {
      "value" : 1.01,
      "currency" : "EUR"
    },
    "parent-transaction-id" : "b8b27f18-4003-11e5-919b-005056a64448",
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "order-number" : "39849",
    "descriptor" : "customerStatement 18009998888",
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "sepadirectdebit"
      } ]
    },
    "bank-account" : {
      "iban" : "NL53INGB0654422370",
      "bic" : "INGBNL2A"
    },
    "mandate" : {
      "mandate-id" : "manid",
      "signed-date" : "2015-02-02"
    },
    "creditor-id" : "DE98ZZZ09999999999",
    "due-date" : "2015-08-17",
    "periodic" : {
      "periodic-type" : "recurring",
      "sequence-type" : "recurring"
    },
    "consumer" : {
      "first-name" : "",
      "last-name" : ""
    },
    "provider-transaction-reference-id" : "261AD6D93C",
    "instrument-country" : "NL"
  }
}
Recurring Transaction Referencing SEPA Credit
This scenario is for a cross-payment-methods referenced SEPA Credit transaction.
XML SEPA Credit Request Following
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41</merchant-account-id>
    <request-id>30ba2c27-d8bb-47d2-ac02-f1ccf94e162c</request-id>
    <transaction-type>credit</transaction-type>
    <requested-amount currency="EUR">1.01</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <!-- optional
        <email>john.doe@test.com</email>
        <address>
            <street1>123 anystreet</street1>
            <city>Brantford</city>
            <country>CA</country>
        </address> -->
    </account-holder>
    <!-- optional
    <order-number></order-number> -->
    <!-- optional
    <descriptor>test</descriptor> -->
    <payment-methods>
        <payment-method name="sepacredit"/>
    </payment-methods>
    <!-- optional element consumer -->
    <consumer>
        <first-name/>
        <last-name/>
    </consumer>
    <periodic>
        <periodic-type>recurring</periodic-type>
        <sequence-type>recurring</sequence-type>
    </periodic>
    <parent-transaction-id>96468896-3ffb-11e5-919b-005056a64448</parent-transaction-id>
</payment>
XML SEPA Credit Response Following
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41</merchant-account-id>
    <transaction-id>b03c1d42-3ffb-11e5-919b-005056a64448</transaction-id>
    <request-id>30ba2c27-d8bb-47d2-ac02-f1ccf94e162c</request-id>
    <transaction-type>credit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2015-08-11T07:36:33.000Z</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">1.01</requested-amount>
    <parent-transaction-id>96468896-3ffb-11e5-919b-005056a64448</parent-transaction-id>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
    </account-holder>
    <order-number>11153</order-number>
    <descriptor>customerStatement 18009998888</descriptor>
    <payment-methods>
        <payment-method name="sepacredit"/>
    </payment-methods>
    <bank-account>
        <iban>NL53INGB0654422370</iban>
        <bic>INGBNL2A</bic>
    </bank-account>
    <mandate>
        <mandate-id>manid</mandate-id>
        <signed-date>2015-02-02</signed-date>
    </mandate>
    <creditor-id>DE98ZZZ09999999999</creditor-id>
    <periodic>
        <periodic-type>recurring</periodic-type>
        <sequence-type>recurring</sequence-type>
    </periodic>
    <consumer>
        <first-name/>
        <last-name/>
    </consumer>
    <provider-transaction-reference-id>3E6B70E7B4</provider-transaction-reference-id>
    <instrument-country>NL</instrument-country>
</payment>
JSON SEPA Credit Request Following
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41"
    },
    "request-id" : "30ba2c27-d8bb-47d2-ac02-f1ccf94e162c",
    "transaction-type" : "credit",
    "requested-amount" : {
      "value" : 1.01,
      "currency" : "EUR"
    },
    "parent-transaction-id" : "96468896-3ffb-11e5-919b-005056a64448",
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "sepacredit"
      } ]
    },
    "periodic" : {
      "periodic-type" : "recurring",
      "sequence-type" : "recurring"
    },
    "consumer" : {
      "first-name" : "",
      "last-name" : ""
    }
  }
}
JSON SEPA Credit Response Following
{
  "payment" : {
    "merchant-account-id" : {
      "value" : "36c1b68b-7a95-4f1b-bcdb-6b84bfbc5b41"
    },
    "transaction-id" : "b03c1d42-3ffb-11e5-919b-005056a64448",
    "request-id" : "30ba2c27-d8bb-47d2-ac02-f1ccf94e162c",
    "transaction-type" : "credit",
    "transaction-state" : "success",
    "completion-time-stamp" : 1439278593000,
    "statuses" : {
      "status" : [ {
        "value" : "",
        "code" : "201.0000",
        "description" : "The resource was successfully created.",
        "severity" : "information"
      } ]
    },
    "requested-amount" : {
      "value" : 1.01,
      "currency" : "EUR"
    },
    "parent-transaction-id" : "96468896-3ffb-11e5-919b-005056a64448",
    "account-holder" : {
      "first-name" : "John",
      "last-name" : "Doe"
    },
    "order-number" : "11153",
    "descriptor" : "customerStatement 18009998888",
    "payment-methods" : {
      "payment-method" : [ {
        "name" : "sepacredit"
      } ]
    },
    "bank-account" : {
      "iban" : "NL53INGB0654422370",
      "bic" : "INGBNL2A"
    },
    "mandate" : {
      "mandate-id" : "manid",
      "signed-date" : "2015-02-02"
    },
    "creditor-id" : "DE98ZZZ09999999999",
    "periodic" : {
      "periodic-type" : "recurring",
      "sequence-type" : "recurring"
    },
    "consumer" : {
      "first-name" : "",
      "last-name" : ""
    },
    "provider-transaction-reference-id" : "3E6B70E7B4",
    "instrument-country" : "NL"
  }
}
Periodic In Subsequent Transaction

This section describes a set of requests and responses in which the "periodic" tag is set at a subsequent request, the SEPA Debit Recurring#1.

XML debit Request Initial iDEAL
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-resolver-category>RULE_MERCHANTACCOUNTS</merchant-account-resolver-category>
  <request-id>{set unique request ID}</request-id>
  <transaction-type>debit</transaction-type>
  <requested-amount currency="EUR">112.00</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>test@test.com</email>
    <phone />
    <address>
      <street1>Einsteinring 35</street1>
      <street2 />
      <city>Munich</city>
      <state>BY</state>
      <country>DE</country>
      <postal-code>85609</postal-code>
    </address>
  </account-holder>
  <notifications>
    <notification url="https://merchant.com/ipn.php"/>
  </notifications>
  <ip-address>128.0.000.0</ip-address>
  <order-number>Wirecard Test</order-number>
  <descriptor>descriptor test</descriptor>
  <payment-methods>
    <payment-method name="ideal" />
  </payment-methods>
  <bank-account>
    <bic>INGBNL2A</bic>
  </bank-account>
  <cancel-redirect-url>https://sandbox-engine.thesolution.com/shop/cancel.html</cancel-redirect-url>
  <success-redirect-url>https://sandbox-engine.thesolution.com/shop/success.html</success-redirect-url>
</payment>
XML debit Response Initial iDEAL
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>adb45327-170a-460b-9810-9008e9772f5f</merchant-account-id>
  <transaction-id>063b54d7-0272-4b6e-ad13-f6f4c25c4759</transaction-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>debit</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2017-02-23T09:01:03.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">112.00</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>test@test.com</email>
    <phone>
    </phone>
    <address>
      <street1>Einsteinring 35</street1>
      <street2>
      </street2>
      <city>Munich</city>
      <state>BY</state>
      <country>DE</country>
      <postal-code>85609</postal-code>
    </address>
  </account-holder>
  <ip-address>128.0.000.0</ip-address>
  <order-number>Wirecard Test</order-number>
  <descriptor>descriptor test</descriptor>
  <notifications>
    <notification url="https://merchant.com/ipn.php"/>
  </notifications>
  <payment-methods>
    <payment-method url="https://idealtest.secure-ing.com/ideal/issuerSim.do?trxid=0050000126213329&amp;ideal=prob" name="ideal" />
  </payment-methods>
  <bank-account>
    <bic>INGBNL2A</bic>
  </bank-account>
  <cancel-redirect-url>https://sandbox-engine.thesolution.com/shop/cancel.html</cancel-redirect-url>
  <success-redirect-url>https://sandbox-engine.thesolution.com/shop/success.html</success-redirect-url>
</payment>
Receive Notification to get the transaction ID from the iDEAL debit to use as reference for SEPA transactions.
XML SEPA Credit Request
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>ce7b6129-4ff1-42b9-8dcb-723149f5bbbe</merchant-account-id>
  <request-id>{set unique request ID}</request-id>
  <transaction-type>credit</transaction-type>
  <requested-amount currency="EUR">1.00</requested-amount>
  <notifications>
    <notification url="https://merchant.com/ipn.php"/>
  </notifications>
 <payment-methods>
    <payment-method name="sepacredit" />
  </payment-methods>
  <parent-transaction-id>0ceed077-fd9d-47d2-944d-af1488fd3ece</parent-transaction-id>
</payment>
XML SEPA Credit Response
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>ce7b6129-4ff1-42b9-8dcb-723149f5bbbe</merchant-account-id>
  <transaction-id>edf03006-90f9-4daa-b903-ca6a98aab956</transaction-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>credit</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2017-02-23T09:03:19.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">1.00</requested-amount>
  <parent-transaction-id>0ceed077-fd9d-47d2-944d-af1488fd3ece</parent-transaction-id>
  <account-holder>
    <first-name>Hr</first-name>
    <last-name>E G H Küppers en/of MW M.J. Küpp</last-name>
    <email>test@test.com</email>
    <phone>
    </phone>
    <address>
      <street1>Einsteinring 35</street1>
      <street2>
      </street2>
      <city>Munich</city>
      <state>BY</state>
      <country>DE</country>
      <postal-code>85609</postal-code>
    </address>
  </account-holder>
  <order-number>Wirecard Test</order-number>
  <descriptor>descriptor test</descriptor>
  <notifications>
    <notification url="https://merchant.com/ipn.php" />
  </notifications>
  <payment-methods>
    <payment-method name="sepacredit" />
  </payment-methods>
  <bank-account>
    <iban>NL53INGB0654422370</iban>
    <bic>INGBNL2A</bic>
  </bank-account>
  <api-id>---</api-id>
  <cancel-redirect-url>https://sandbox-engine.thesolution.com/shop/cancel.html</cancel-redirect-url>
  <success-redirect-url>https://sandbox-engine.thesolution.com/shop/success.html</success-redirect-url>
  <provider-transaction-reference-id>C6C38BB6AA</provider-transaction-reference-id>
</payment>
XML SEPA Direct Debit Request Recurring #1
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>ce7b6129-4ff1-42b9-8dcb-723149f5bbbe</merchant-account-id>
  <request-id>{set unique request ID}</request-id>
  <transaction-type>debit</transaction-type>
  <requested-amount currency="EUR">55.00</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
  </account-holder>
  <payment-methods>
    <payment-method name="sepadirectdebit" />
  </payment-methods>
  <mandate>
    <mandate-id>mandid</mandate-id>
    <signed-date>2015-02-02</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <consumer>
    <first-name>
    </first-name>
    <last-name>
    </last-name>
  </consumer>
  <notifications>
    <notification url="https://merchant.com/ipn.php"/>
  </notifications>
  <periodic>
    <periodic-type>recurring</periodic-type>
    <sequence-type>first</sequence-type>
  </periodic>
  <parent-transaction-id>0ceed077-fd9d-47d2-944d-af1488fd3ece</parent-transaction-id>
</payment>
XML SEPA Direct Debit Response Recurring #1
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>ce7b6129-4ff1-42b9-8dcb-723149f5bbbe</merchant-account-id>
  <transaction-id>aaf7d691-e83d-4907-b0d5-eaba18099a54</transaction-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>debit</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2017-02-23T09:11:50.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">55.00</requested-amount>
  <parent-transaction-id>0ceed077-fd9d-47d2-944d-af1488fd3ece</parent-transaction-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <address>
      <street1>Einsteinring 35</street1>
      <street2>
      </street2>
      <city>Munich</city>
      <state>BY</state>
      <country>DE</country>
      <postal-code>85609</postal-code>
    </address>
  </account-holder>
  <order-number>Wirecard Test</order-number>
  <descriptor>descriptor test</descriptor>
  <notifications>
    <notification url="https://merchant.com/ipn.php" />
  </notifications>
  <payment-methods>
    <payment-method name="sepadirectdebit" />
  </payment-methods>
  <bank-account>
    <iban>NL53INGB0654422370</iban>
    <bic>INGBNL2A</bic>
  </bank-account>
  <mandate>
    <mandate-id>mandid</mandate-id>
    <signed-date>2015-02-02</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <api-id>---</api-id>
  <cancel-redirect-url>https://sandbox-engine.thesolution.com/shop/cancel.html</cancel-redirect-url>
  <success-redirect-url>https://sandbox-engine.thesolution.com/shop/success.html</success-redirect-url>
  <due-date>2017-03-06</due-date>
  <periodic>
    <periodic-type>recurring</periodic-type>
    <sequence-type>first</sequence-type>
  </periodic>
  <consumer>
    <first-name>
    </first-name>
    <last-name>
    </last-name>
  </consumer>
  <provider-transaction-reference-id>DA2DA22316</provider-transaction-reference-id>
</payment>
XML SEPA Direct Debit Request Recurring #2
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>ce7b6129-4ff1-42b9-8dcb-723149f5bbbe</merchant-account-id>
  <request-id>{set unique request ID}</request-id>
  <transaction-type>debit</transaction-type>
  <requested-amount currency="EUR">44.00</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
  </account-holder>
  <payment-methods>
    <payment-method name="sepadirectdebit" />
  </payment-methods>
  <mandate>
    <mandate-id>mandid</mandate-id>
    <signed-date>2015-02-02</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <consumer>
    <first-name>
    </first-name>
    <last-name>
    </last-name>
  </consumer>
  <notifications>
    <notification url="https://merchant.com/ipn.php"/>
  </notifications>
  <periodic>
    <periodic-type>recurring</periodic-type>
    <sequence-type>recurring</sequence-type>
  </periodic>
  <parent-transaction-id>aaf7d691-e83d-4907-b0d5-eaba18099a54</parent-transaction-id>
</payment>
XML SEPA Direct Debit Response Recurring #2
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>ce7b6129-4ff1-42b9-8dcb-723149f5bbbe</merchant-account-id>
  <transaction-id>adf766c1-3ac5-4ca8-8255-db47142e181e</transaction-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>debit</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2017-02-23T09:15:27.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">44.00</requested-amount>
  <parent-transaction-id>aaf7d691-e83d-4907-b0d5-eaba18099a54</parent-transaction-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <address>
      <street1>Einsteinring 35</street1>
      <street2>
      </street2>
      <city>Munich</city>
      <state>BY</state>
      <country>DE</country>
      <postal-code>85609</postal-code>
    </address>
  </account-holder>
  <order-number>Wirecard Test</order-number>
  <descriptor>descriptor test</descriptor>
  <notifications>
    <notification url="https://merchant.com/ipn.php" />
  </notifications>
  <payment-methods>
    <payment-method name="sepadirectdebit" />
  </payment-methods>
  <bank-account>
    <iban>NL53INGB0654422370</iban>
    <bic>INGBNL2A</bic>
  </bank-account>
  <mandate>
    <mandate-id>mandid</mandate-id>
    <signed-date>2015-02-02</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <api-id>---</api-id>
  <cancel-redirect-url>https://sandbox-engine.thesolution.com/shop/cancel.html</cancel-redirect-url>
  <success-redirect-url>https://sandbox-engine.thesolution.com/shop/success.html</success-redirect-url>
  <due-date>2017-03-01</due-date>
  <periodic>
    <periodic-type>recurring</periodic-type>
    <sequence-type>recurring</sequence-type>
  </periodic>
  <consumer>
    <first-name>
    </first-name>
    <last-name>
    </last-name>
  </consumer>
  <provider-transaction-reference-id>FEE023CA5D</provider-transaction-reference-id>
</payment>
XML SEPA Direct Debit Request Recurring #3
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>ce7b6129-4ff1-42b9-8dcb-723149f5bbbe</merchant-account-id>
  <request-id>{set unique request ID}</request-id>
  <transaction-type>debit</transaction-type>
  <requested-amount currency="EUR">33.00</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
  </account-holder>
  <payment-methods>
    <payment-method name="sepadirectdebit" />
  </payment-methods>
  <mandate>
    <mandate-id>mandid</mandate-id>
    <signed-date>2015-02-02</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <consumer>
    <first-name>
    </first-name>
    <last-name>
    </last-name>
  </consumer>
  <notifications>
    <notification url="https://merchant.com/ipn.php"/>
  </notifications>
  <periodic>
    <periodic-type>recurring</periodic-type>
    <sequence-type>recurring</sequence-type>
  </periodic>
  <parent-transaction-id>aaf7d691-e83d-4907-b0d5-eaba18099a54</parent-transaction-id>
</payment>
XML SEPA Direct Debit Response Recurring #3
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>ce7b6129-4ff1-42b9-8dcb-723149f5bbbe</merchant-account-id>
  <transaction-id>62be2a49-c4a3-43c0-8ed0-65a10e68b199</transaction-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>debit</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2017-02-23T09:16:31.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">33.00</requested-amount>
  <parent-transaction-id>aaf7d691-e83d-4907-b0d5-eaba18099a54</parent-transaction-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <address>
      <street1>Einsteinring 35</street1>
      <street2>
      </street2>
      <city>Munich</city>
      <state>BY</state>
      <country>DE</country>
      <postal-code>85609</postal-code>
    </address>
  </account-holder>
  <order-number>Wirecard Test</order-number>
  <descriptor>descriptor test</descriptor>
  <notifications>
    <notification url="https://merchant.com/ipn.php" />
  </notifications>
  <payment-methods>
    <payment-method name="sepadirectdebit" />
  </payment-methods>
  <bank-account>
    <iban>NL53INGB0654422370</iban>
    <bic>INGBNL2A</bic>
  </bank-account>
  <mandate>
    <mandate-id>mandid</mandate-id>
    <signed-date>2015-02-02</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <api-id>---</api-id>
  <cancel-redirect-url>https://sandbox-engine.thesolution.com/shop/cancel.html</cancel-redirect-url>
  <success-redirect-url>https://sandbox-engine.thesolution.com/shop/success.html</success-redirect-url>
  <due-date>2017-03-01</due-date>
  <periodic>
    <periodic-type>recurring</periodic-type>
    <sequence-type>recurring</sequence-type>
  </periodic>
  <consumer>
    <first-name>
    </first-name>
    <last-name>
    </last-name>
  </consumer>
  <provider-transaction-reference-id>B9280973C8</provider-transaction-reference-id>
</payment>
Custom URL: