Guaranteed Direct Debit

Introduction

Guaranteed Direct Debit is a payment method which guarantees that merchants receive money in case the consumer does not pay (merchants are paid the order amounts by Wirecard in advance of settlement with consumers). This payment method is available only for Germany, Austria and Switzerland.

Guaranteed Direct Debit allows the consumer to pay directly from their bank account. The invoicing, direct debit and collection process (dunning) is handled by Wirecard.

Basket items must be specified in every request. The response for each authorization request returns an individual string (an alphanumerical code, starting with DG) in the field descriptor. The descriptor must be printed on all invoice documents and saved by the shop (as it must be used by the consumer on bank transfers; German: “Verwendungszweck”).­­ Capture-authorization transactions have to follow a successful authorization on the same day the goods are dispatched. The period between authorization and the first capture-authorization must be at least 4 hours. The merchant may do a partial capture-authorization if the goods are shipped in separate shipments.

General Information

Payment Mode, Countries and Currencies

This table illustrates which payment mode Guaranteed Direct Debit belongs to. It also provides detailed information about the countries and currencies which are relevant for Guaranteed Direct Debit.

Payment Mode

Offline Bank Transfer

Countries

DE, AT, CH
on Payment Page environment: DE only

Currencies

EUR, CHF

Communication Formats

This table illustrates how Guaranteed Direct Debit notifications are encoded and which formats and methods can be used for requests and responses.

Requests/Responses

Format

XML

Methods

POST

IPN Encodement

NVP (plain text)

Transaction Types

For transaction type details which are not given here, look at AppendixB: Transaction Types.

Transaction Type Description Link to samples

authorization

Performs a creditworthiness check at the moment when consumer makes an order. All order items must be listed for the shopping basket. The authorization amount must match the value of the items in the basket.

Direct Debit samples

capture-authorization

Used to capture the reserved funds at the moment when some or all goods are physically delivered to the consumer. Available only on successful authorization response which wasn’t voided nor fully captured. Partial (and multiple) capture is allowed, until the authorization limit is not exceeded. Basket items only lists the items that were delivered to the consumer in this delivery, not the ones that were delivered before or are waiting to be delivered. The total amount of the capture must be the value of the items in the basket.

Direct Debit samples

void-authorization

Used when the consumer wishes to cancel some or all (not yet shipped) items from the order. Available only for a successful authorization response which was not yet voided or captured. Partial and multiple void are allowed, until all items from the order are canceled or shipped. Basket items only list those items which are being canceled from the order.

Direct Debit samples

refund-capture

Used when the consumer wishes to return some or all delivered goods. Available on a successful capture-authorization. Partial and multiple refunds are allowed, until all delivered items have been returned. Basket items list only those items which are being returned to the merchant.

Direct Debit samples

credit

Used when merchant wishes to grant a discount on an existing order. Items from this order may already be delivered to the consumer. Available on a successful capture-authorization. Multiple credits are allowed, but the overall sum of credits may not exceed the value of the delivered goods to the consumer. The credit transaction must include a basket item representing the discount. The credit transaction must refer to the successful authorization transaction ID.

Direct Debit samples

  1. Basket items must be specified in every request.

  2. The response for each authorization request returns an individual string (an alphanumerical code, starting with DG) in the field descriptor.

  3. The descriptor must be printed on all invoice documents and saved by the shop (used by consumers in bank transfers; German:“Verwendungszweck”).­­

  4. capture-authorization transactions have to follow a successful authorization on the same day the goods are dispatched.

  5. The period between authorization and the first capture-authorization must be at least 4 hours.

  6. Merchants can request partial capture-authorizations if the goods are shipped in separate shipments.

Test Credentials

URLs (Endpoints)

For transaction type authorization

https://api-test.wirecard.com/engine/rest/paymentmethods

For transaction types capture-authorization, refund-capture, void-authorization and credit

https://api-test.wirecard.com/engine/rest/payments

Merchant Account ID (MAID)

3cfb0fb7-59e2-4d92-847f-37121d633844

Username

16390-testing

Password

3!3013=D3fD8X7

Secret Key

cf0b29fc-a6ab-474d-b6be-92e9596e9107

Workflow

Standard Process
Guaranteed Direct Debit
Guaranteed Direct Debit Workflow
  1. Consumer adds items to shopping basket.

  2. Consumer selects the payment method Guaranteed Direct Debit.

  3. Merchant sends an authorization request including items to Wirecard.

  4. Merchant receives an authorization response, including the descriptor (an alphanumerical code, starting with DG).

  5. Merchant sends a capture request to Wirecard when the items are ready for delivery.

  6. After a successful capture request, Wirecard or Merchant generates the invoice, including the descriptor (an alphanumerical code, starting with DG).

  7. Wirecard Bank collects the transaction amount from consumer’s bank account.

  8. If any payment changes are necessary, the following transaction types are available: credit, refund-capture or void-authorization.

Fields

The following elements are mandatory M, optional O or conditional C for sending a request for Guaranteed Direct Debit (complete field list available in REST API field list):

Field Cardinality Datatype Size Description
payment
merchant-account-id

M

Alphanumeric

36

Unique identifier for a merchant account

request-id

M

Alphanumeric

150

This is the identification number of the request. It has to be unique for each request.

transaction-type

M

Alphanumeric

30

This is the type for a transaction: authorization, capturevoid-authorization, refund-capture and credit are supported for Guaranteed Direct Debit.

requested-amount

M

Numeric

18,3

This is the amount of the transaction. The amount of the decimal place depends on the currency. The amount must be between a defined minimum value and a defined maximum value.

requested-amount@currency

M

This is the currency of the transaction. For Germany and Austria, only EUR is allowed. Switzerland additionally accepts CHF.

order-detail

O

Alphanumeric

65535

Details of the order filled by the merchant.

order-number

M

Alphanumeric

64

The order number from the merchant.

consumer-id

O

Alphanumeric

Merchant’s identifier for the consumer.

invoice-id

O

Alphanumeric

Merchant’s invoice identifier.

creditor-id

M

Alphanumeric

Wirecard Bank creditor identifier, provided by Wirecard Support

locale

O

Alphanumeric

It is used to control the language of the consumer message and the correspondence to the consumer. Allowed values: fr, en, nl, de. If empty or with wrong value, German language is used by default. The same logic applies for Payment Page integration.

payment-methods
payment-methods.payment-method@name

M

Alphanumeric

15

The name of the Payment Method is ratepay-elv.

account-holder
account-holder.first-name

M

Alphanumeric

account-holder.last-name

M

Alphanumeric

account-holder.email

M

Alphanumeric

account-holder.phone

M

Alphanumeric

account-holder.date-of-birth

M

Alphanumeric

account-holder.gender

O

Token

account-holder.address
account-holder.address.street1

M

Alphanumeric

Must include house number.

account-holder.address.street2

O

Alphanumeric

account-holder.address.city

M

Alphanumeric

account-holder.address.state

O

Alphanumeric

account-holder.address.country

M

Token

account-holder.address.postal-code

M

Alphanumeric

bank-account

Consumer’s bank account details.

bank-account.bank-name

M

Alphanumeric

bank-account.iban

C

Alphanumeric

Mandatory if account-number is not used

bank-account.bic

C

Alphanumeric

Mandatory if iban is used

bank-account.account-number

C

Alphanumeric

Mandatory if iban is not used

bank-account.bank-code

C

Alphanumeric

Mandatory if account-number is used

order-items
order-items.order-item.name

M

Alphanumeric

Name of the item in the basket.

order-items.order-item.article-number

M

Alphanumeric

EAN or other article identifier for merchant.

order-items.order-item.amount

M

Number

Item’s price per unit.

order-items.order-item.tax-rate

M

Number

Item’s tax rate per unit.

order-items.order-item.quantity

M

Number

Total count of items in the order.

shipping

Shipping fields have to match the billing address (specified as account-holder).

shipping/first-name

O

Alphanumeric

shipping/last-name

O

Alphanumeric

shipping/phone

O

Alphanumeric

shipping/address

Shipping/address fields have to match the billing address (specified as account-holder.address).

shipping/address/street1

O

Alphanumeric

shipping/address/street2

O

Alphanumeric

shipping/address/city

O

Alphanumeric

shipping/address/state

O

Alphanumeric

shipping/address/country

O

Alphanumeric

shipping/address/postal-code

O

Alphanumeric

device
device/fingerprint

C

Alphanumeric

Device fingerprinting token that was used in merchant’s online shop to track this transaction. It is mandatory for authorization.

mandate
mandate.mandate-id

M

Alphanumeric

Mandate ID will be generated by Wirecard. Please use the following statement as placeholder: “Wird nach Kaufabschluss übermittelt“

Features

Bank Account Details

consist either of

  • account-ownerbank-nameaccount-number and bank-code
    or

  • account-ownerbank-nameiban and bic for SEPA standard.

Account holder details must cover first-namelast-name, email, phonedate-of-birth, address and gender. An address within the account holder details must include street1 (including house number), citycountry and postal-code.
Shipping address has to match the billing address. 
Basket Items Details

Basket items details must be sent along with every request. Content of the shopping basket depends on the location of the items. There can be 3 different locations:

  • the (distribution) storage of the merchant,

  • the delivery (items are „on the road“); and

  • home of the consumer.

The shopping basket always contains the items that are being authorized (ordered), captured (delivered), voided (canceled), refunded (returned) or credited depending to the transaction type.

The detailed items of the shopping basket will be stored as a part of payment details on provider and they can be obtained from Wirecard Processing API later as part of transaction details.

Field Cardinality  Req/Resp Datatype Description
order-items.order-item.name

M

Alphanumeric

Name of the item in the basket.

order-items.order-item.article-number

M

Alphanumeric

EAN or other article identifier for merchant.

order-items.order-item.amount

M

Number

Item’s price per unit.

order-items.order-item.tax-rate

M

Number

Item’s tax rate per unit.

order-items.order-item.quantity

M

Number

Total count of items in the order.

Regular Consumers

Regular consumers who pay their bills on time are important capital for each merchant. With Wirecard, merchants can use this capital as a payment method.

To accomplish that, merchants simply submit a list with the order and payment history of their consumers to Wirecard.

Here you can find which format (and content) you need for the list and how to upload it.

Consent to General Terms and Conditions

During checkout, the consumer has to agree to Wirecard’s general terms and conditions. They have to give their consent by ticking an appropriate checkbox.

Language Check-box text Correct links

English

I herewith confirm that I have read the privacy notice and additional terms and conditions for Wirecard payment types and that I accept their validity.

Deutsch

Hiermit bestätige ich, dass ich die Datenschutzhinweise und zusätzlichen Geschäftsbedingungen für Wirecard-Zahlarten zur Kenntnis genommen habe und mit deren Geltung einverstanden bin.

Make sure that the privacy notice and the additional terms and conditions are linked properly.

Additional business conditions

When the consumers use Guaranteed Direct Debit, payments with debt discharging effect can be made solely to Wirecard.

Samples

Click here for corresponding notification samples.

Guaranteed Direct Debit
authorization
XML authorization Request (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>authorization</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <requested-amount currency="EUR">400</requested-amount>
  <order-number>180801111842579</order-number>
  <mandate>
    <mandate-id>Wird nach dem Kauf uebermittelt</mandate-id>
    <signed-date>08-02-2017</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>John@doe.de</email>
    <phone>03018425165</phone>
    <date-of-birth>27-12-1973</date-of-birth>
    <address>
      <street1>Nicht versenden Weg 12</street1>
      <city>Berlin</city>
      <state>Berlin</state>
      <country>DE</country>
      <postal-code>13353</postal-code>
    </address>
  </account-holder>
  <bank-account>
    <bank-name>Danske Bank Hamburg</bank-name>
    <iban>DE99203205004989123456</iban>
    <bic>DABADEHHXXX</bic>
  </bank-account>
  <order-items>
    <order-item>
      <name>Denim 753 Blue 27/32</name>
      <article-number>1</article-number>
      <amount currency="EUR">150</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>Women V-Neck S</name>
      <article-number>12</article-number>
      <amount currency="EUR">50</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>Sneakers Size 44</name>
      <article-number>123</article-number>
      <amount currency="EUR">200</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <locale>de</locale>
</payment>
XML authorization Response (Successful)
<?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>3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <transaction-id>f1ed56d2-08f5-40d8-8b82-82b405cfc3c6</transaction-id>
  <request-id>c765ff24-cbe7-45a3-98a1-e5bfd149b7cd</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:18:43.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">400</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>John@doe.de</email>
    <phone>03018425165</phone>
    <address>
      <street1>Nicht versenden Weg 12</street1>
      <city>Berlin</city>
      <state>Berlin</state>
      <country>DE</country>
      <postal-code>13353</postal-code>
    </address>
  </account-holder>
  <order-number>180801111842579</order-number>
  <order-items>
    <order-item>
      <name>Denim 753 Blue 27/32</name>
      <article-number>1</article-number>
      <amount currency="EUR">150</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>Women V-Neck S</name>
      <article-number>12</article-number>
      <amount currency="EUR">50</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>Sneakers Size 44</name>
      <article-number>123</article-number>
      <amount currency="EUR">200</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>DK0073651G0</descriptor>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <bank-account>
    <bank-name>Danske Bank Hamburg</bank-name>
    <iban>DE99203205004989123456</iban>
    <bic>DABADEHHXXX</bic>
  </bank-account>
  <mandate>
    <mandate-id>Wird nach dem Kauf uebermittelt</mandate-id>
    <signed-date>08-02-2017</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <locale>de</locale>
</payment>
capture-authorization
XML capture-authorization Request (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>capture-authorization</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <requested-amount currency="EUR">200</requested-amount>
  <parent-transaction-id>f1ed56d2-08f5-40d8-8b82-82b405cfc3c6</parent-transaction-id>
  <order-items>
    <order-item>
      <name>Denim 753 Blue 27/32</name>
      <article-number>1</article-number>
      <amount currency="EUR">150</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>Women V-Neck S</name>
      <article-number>12</article-number>
      <amount currency="EUR">50</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
</payment>
XML capture-authorization Response (Successful)
<?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" self="https://api-test.wirecard.com:443/engine/rest/merchants/3cfb0fb7-59e2-4d92-847f-37121d633844/payments/674f05af-b289-4e7a-99e3-1ee799c53151">
  <merchant-account-id ref="https://api-test.wirecard.com:443/engine/rest/config/merchants/3cfb0fb7-59e2-4d92-847f-37121d633844">3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <transaction-id>674f05af-b289-4e7a-99e3-1ee799c53151</transaction-id>
  <request-id>0d32afa6-492a-4228-9edf-169df8ab15db</request-id>
  <transaction-type>capture-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:20:30.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="ratepay:The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">200</requested-amount>
  <parent-transaction-id>f1ed56d2-08f5-40d8-8b82-82b405cfc3c6</parent-transaction-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>John@doe.de</email>
    <phone>03018425165</phone>
    <address>
      <street1>Nicht versenden Weg 12</street1>
      <city>Berlin</city>
      <state>Berlin</state>
      <country>DE</country>
      <postal-code>13353</postal-code>
    </address>
  </account-holder>
  <order-number>180801111842579</order-number>
  <order-items>
    <order-item>
      <name>Denim 753 Blue 27/32</name>
      <article-number>1</article-number>
      <amount currency="EUR">150</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>Women V-Neck S</name>
      <article-number>12</article-number>
      <amount currency="EUR">50</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>DK0073651G0</descriptor>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <parent-transaction-amount currency="EUR">400.000000</parent-transaction-amount>
  <mandate>
    <mandate-id>Wird nach dem Kauf uebermittelt</mandate-id>
    <signed-date>08-02-2017</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <api-id>elastic-api</api-id>
  <locale>de</locale>
  <provider-account-id>000000317406A011</provider-account-id>
</payment>
refund-capture
XML refund-capture Request (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
    <request-id>{{$guid}}</request-id>
    <transaction-type>refund-capture</transaction-type>
    <payment-methods>
        <payment-method name="ratepay-elv" />
    </payment-methods>
    <requested-amount currency="EUR">50</requested-amount>
    <parent-transaction-id>674f05af-b289-4e7a-99e3-1ee799c53151</parent-transaction-id>
    <order-items>
    <order-item>
      <name>Women V-Neck S</name>
      <article-number>12</article-number>
      <amount currency="EUR">50</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    </order-items></payment>
XML refund-capture Response (Successful)
<?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" self="https://api-test.wirecard.com:443/engine/rest/merchants/3cfb0fb7-59e2-4d92-847f-37121d633844/payments/037d379c-d168-4088-9af5-c231f03290c6">
  <merchant-account-id ref="https://api-test.wirecard.com:443/engine/rest/config/merchants/3cfb0fb7-59e2-4d92-847f-37121d633844">3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <transaction-id>037d379c-d168-4088-9af5-c231f03290c6</transaction-id>
  <request-id>97cddb7d-7d92-44c3-9032-836574b84eb1</request-id>
  <transaction-type>refund-capture</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:23:08.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="ratepay:The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">50</requested-amount>
  <parent-transaction-id>674f05af-b289-4e7a-99e3-1ee799c53151</parent-transaction-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>John@doe.de</email>
    <phone>03018425165</phone>
    <address>
      <street1>Nicht versenden Weg 12</street1>
      <city>Berlin</city>
      <state>Berlin</state>
      <country>DE</country>
      <postal-code>13353</postal-code>
    </address>
  </account-holder>
  <order-number>180801111842579</order-number>
  <order-items>
    <order-item>
      <name>Women V-Neck S</name>
      <article-number>12</article-number>
      <amount currency="EUR">50</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>DK0073651G0</descriptor>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <parent-transaction-amount currency="EUR">200.000000</parent-transaction-amount>
  <api-id>elastic-api</api-id>
  <locale>de</locale>
  <provider-account-id>000000317406A011</provider-account-id>
</payment>
credit
XML credit Request (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>credit</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <parent-transaction-id>f1ed56d2-08f5-40d8-8b82-82b405cfc3c6</parent-transaction-id>
  <requested-amount currency="EUR">10</requested-amount>
  <order-items>
    <order-item>
      <name>Nachlass über € 10,00</name>
      <article-number>1</article-number>
      <amount currency="EUR">10</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items></payment>
XML credit Response (Successful)
<?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" self="https://api-test.wirecard.com:443/engine/rest/merchants/3cfb0fb7-59e2-4d92-847f-37121d633844/payments/4c2c8bd2-8678-44f5-bcf4-b178c11af8d4">
  <merchant-account-id ref="https://api-test.wirecard.com:443/engine/rest/config/merchants/3cfb0fb7-59e2-4d92-847f-37121d633844">3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <transaction-id>4c2c8bd2-8678-44f5-bcf4-b178c11af8d4</transaction-id>
  <request-id>ea4fd763-ec62-450c-b797-6ca013e87dbb</request-id>
  <transaction-type>credit</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:22:15.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="ratepay:The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">10</requested-amount>
  <parent-transaction-id>f1ed56d2-08f5-40d8-8b82-82b405cfc3c6</parent-transaction-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>John@doe.de</email>
    <phone>03018425165</phone>
    <address>
      <street1>Nicht versenden Weg 12</street1>
      <city>Berlin</city>
      <state>Berlin</state>
      <country>DE</country>
      <postal-code>13353</postal-code>
    </address>
  </account-holder>
  <order-number>180801111842579</order-number>
  <order-items>
    <order-item>
      <name>Nachlass ?ber ? 10,00</name>
      <article-number>1</article-number>
      <amount currency="EUR">10</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>DK0073651G0</descriptor>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <parent-transaction-amount currency="EUR">400.000000</parent-transaction-amount>
  <mandate>
    <mandate-id>Wird nach dem Kauf uebermittelt</mandate-id>
    <signed-date>08-02-2017</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <api-id>elastic-api</api-id>
  <locale>de</locale>
  <provider-account-id>000000317406A011</provider-account-id>
</payment>
void-authorization
XML void-authorization Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>void-authorization</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <parent-transaction-id>f1ed56d2-08f5-40d8-8b82-82b405cfc3c6</parent-transaction-id>
  <requested-amount currency="EUR">200</requested-amount>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>John@doe.de</email>
    <phone>03018425165</phone>
    <date-of-birth>27-12-1973</date-of-birth>
    <address>
      <street1>Nicht versenden Weg 12</street1>
      <city>Berlin</city>
      <state>Berlin</state>
      <country>DE</country>
      <postal-code>13353</postal-code>
    </address>
  </account-holder>
  <order-items>
    <order-item>
      <name>Sneakers Size 44</name>
      <article-number>123</article-number>
      <amount currency="EUR">200</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
</payment>
XML void-authorization Response (Successful)
<?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" self="https://api-test.wirecard.com:443/engine/rest/merchants/3cfb0fb7-59e2-4d92-847f-37121d633844/payments/2881a638-1db5-470f-8f94-7a517cc03d55">
  <merchant-account-id ref="https://api-test.wirecard.com:443/engine/rest/config/merchants/3cfb0fb7-59e2-4d92-847f-37121d633844">3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <transaction-id>2881a638-1db5-470f-8f94-7a517cc03d55</transaction-id>
  <request-id>ac840474-67f2-4873-b3b2-8993e06e4fa3</request-id>
  <transaction-type>void-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:26:45.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="ratepay:The resource was successfully created." severity="information" />
  </statuses>
  <requested-amount currency="EUR">200</requested-amount>
  <parent-transaction-id>f1ed56d2-08f5-40d8-8b82-82b405cfc3c6</parent-transaction-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>John@doe.de</email>
    <phone>03018425165</phone>
    <address>
      <street1>Nicht versenden Weg 12</street1>
      <city>Berlin</city>
      <state>Berlin</state>
      <country>DE</country>
      <postal-code>13353</postal-code>
    </address>
  </account-holder>
  <order-number>180801111842579</order-number>
  <order-items>
    <order-item>
      <name>Sneakers Size 44</name>
      <article-number>123</article-number>
      <amount currency="EUR">200</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>DK0073651G0</descriptor>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <parent-transaction-amount currency="EUR">400.000000</parent-transaction-amount>
  <mandate>
    <mandate-id>Wird nach dem Kauf uebermittelt</mandate-id>
    <signed-date>08-02-2017</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <api-id>elastic-api</api-id>
  <locale>de</locale>
  <provider-account-id>000000317406A011</provider-account-id>
</payment>
authorization Request to Wirecard
deviceIdentToken Transfer
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>3cfb0fb7-59e2-4d92-847f-37121d633844</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>authorization</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-elv" />
  </payment-methods>
  <requested-amount currency="EUR">400</requested-amount>
  <order-number>180801122503017</order-number>
  <mandate>
    <mandate-id>Wird nach dem Kauf uebermittelt</mandate-id>
    <signed-date>08-02-2017</signed-date>
  </mandate>
  <creditor-id>DE98ZZZ09999999999</creditor-id>
  <account-holder>
    <first-name>John</first-name>
    <last-name>Doe</last-name>
    <email>John@doe.de</email>
    <phone>03018425165</phone>
    <date-of-birth>27-12-1973</date-of-birth>
    <address>
      <street1>Nicht versenden Weg 12</street1>
      <city>Berlin</city>
      <state>Berlin</state>
      <country>DE</country>
      <postal-code>13353</postal-code>
    </address>
  </account-holder>
  <bank-account>
    <bank-name>Danske Bank Hamburg</bank-name>
    <iban>DE99203205004989123456</iban>
    <bic>DABADEHHXXX</bic>
  </bank-account>
  <order-items>
    <order-item>
      <name>Denim 753 Blue 27/32</name>
      <article-number>1</article-number>
      <amount currency="EUR">150</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>Women V-Neck S</name>
      <article-number>12</article-number>
      <amount currency="EUR">50</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>Sneakers Size 44</name>
      <article-number>123</article-number>
      <amount currency="EUR">200</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <locale>de</locale>
  <device>
    <fingerprint>DeviceIdentToken</fingerprint>
  </device>
</payment>
Custom URL: