Guaranteed Invoice by Wirecard

Introduction

Guaranteed Invoice by Wirecard 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 Invoice by Wirecard allows the consumer to pay by invoice after the receipt of goods. The invoicing 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 Invoice by Wirecard belongs to. It also provides detailed information about the countries and currencies which are relevant for Guaranteed Invoice by Wirecard.

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 Invoice by Wirecard 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.

Guaranteed Invoice by Wirecard 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.

Guaranteed Invoice by Wirecard 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.

Guaranteed Invoice by Wirecard 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.

Guaranteed Invoice by Wirecard 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.

Guaranteed Invoice by Wirecard 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)

7d7edecb-b008-4f05-9103-308c81cf2ea2

Username

16390-testing

Password

3!3013=D3fD8X7

Secret Key

555d998b-15db-46a9-8f1f-d9bc3ec66b19

Workflow

Standard Process
Guaranteed Invoice by Wirecard
Guaranteed Invoice by Wirecard Workflow
  1. Consumer adds items to shopping basket.

  2. Consumer selects the payment method Guaranteed Invoice by Wirecard.

  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. Merchant waits for the incoming payment.

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

Process Chain

Every merchant needs to follow the process chains below successfully in a test environment to get an approval to go live. Wirecard checks and approves the frontend/checkout and invoices (if generated and sent out by the merchant).

Please provide us with the order number and descriptor for each transaction. 
Simple Process Chain for Guaranteed Invoice by Wirecard
A: Partial Cancelations
  1. Order (2 products + shipping costs + voucher) authorization

  2. Partial cancellation of 1 product void-authorization

  3. Partial cancellation of the rest void-authorization

B: Full Cancellation
  1. Order (2 products + shipping costs) authorization

  2. Full order cancellation void-authorization

C: Partial Deliveries
  1. Order (3 products + shipping costs + voucher) authorization

  2. Partial delivery of 1 product + shipping costs + voucher capture-authorization

  3. Partial delivery of the rest capture-authorization

D: Partial Cancellation & Partial Delivery
  1. Order (2 products + shipping costs + voucher) authorization

  2. Partial cancellation of 1 product void-authorization

  3. Partial delivery of 1 product + shipping costs + voucher capture-authorization

  4. Invoice generation 

E: Partial Returns
  1. Order (2 products + shipping costs + voucher) authorization

  2. Complete delivery of the order capture-authorization

  3. Invoice generation

  4. Partial return of 1 product refund-capture

  5. Partial return of the rest refund-capture 

F: Full Return
  1. Order (2 products + shipping costs + voucher) authorization

  2. Complete delivery of the order capture-authorization

  3. Invoice generation

  4. Full return of the order refund-capture 

G: Reduction
  1. Order (2 products + shipping costs + voucher) authorization

  2. Reduction with negative amount credit

  3. Complete delivery of the order capture-authorization

  4. Invoice generation

Complex Process Chain for Guaranteed Invoice by Wirecard
X: Reduction & Adjustment Charges
  1. Order (6 products including shipping costs) authorization

  2. Reduction with negative amount credit

  3. Partial delivery of 2 products + reduction capture-authorization

  4. Invoice generation 

  5. Adjustment charge with positive amount credit

  6. Partial delivery of the rest = 4 products + adjustment charge capture-authorization

  7. Invoice generation

  8. Reduction with negative amount credit

Y: Partial Cancellation & Partial Return
  1. Order (6 products including shipping costs) authorization

  2. Partial delivery of 3 products capture-authorization

  3. Invoice generation

  4. Partial cancellation of 1 product void-authorization

  5. Partial return of 2 products refund-capture

  6. Partial delivery of 2 products capture-authorization

  7. Invoice generation

  8. Partial return of the rest = 3 products refund-capture

Fields

The following elements are mandatory M, optional O or conditional C for sending a request for the payment method Guaranteed Invoice by Wirecard (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 Invoice by Wirecard.

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

C

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-invoice.

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

C

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.

Device Fingerprint (Guaranteed Invoice by Wirecard)
Introduction

Device Fingerprint (Guaranteed Invoice by Wirecard) is a method of fraud protection and able to identify technical devices. Fraudsters learn to exploit the weaknesses of traditional fraud prevention tools over time. We protect businesses from fraud and loss of revenue with innovative fraud prevention: by automatically linking transactions, fraud can be detected in real time. With our self-learning and adaptive software you are prepared to face new and upcoming fraud scenarios. This document describes the procedure of a Device Fingerprint call and how to implement its result in the PAYMENT_QUERY operation and PAYMENT_REQUEST operation.

Generate a Unique Token

To generate a fingerprint you first need to create a unique token within your online shop. To ensure that the token is really unique, we suggest using a combination of customer id and timestamp which is encrypted, with MD5 for instance.

Generate a unique token (Example)
$deviceIdentSId = 'WDWL';
$timestamp = microtime();
$customerId = $customerObject->getId();
$deviceIdentToken = md5($customerId . "_" . $timestamp);
Run JavaScript

We recommend outputting the Device Fingerprint JavaScript code as early as possible to get a sufficient latency between script call and end of the order.

For instance when the customer entered the checkout or when the customer is putting a first item into the cart.

Please ensure that this script is executed only one-time per session (per customer + checkout + device).

Output Device Fingerprint JavaScript/HTML/PHP (Example)
<script language="JavaScript">
 var di = {t:'<?php echo $deviceIdentToken ?>',v:'<?php echo $deviceIdentSId ?>',l:'Checkout'};
 </script>
 <script type="text/javascript" src="//d.ratepay.com/<?php echo $deviceIdentSId ?>/di.js">
</script>
 <noscript><link rel="stylesheet" type="text/css" href="//d.ratepay.com/di.css?t=<?php echo $deviceIdentToken ?>&v=<?php echo $deviceIdentSId ?>&l=Checkout">
</noscript>
<object type="application/x-shockwave-flash" data="//d.ratepay.com/<?php echo $deviceIdentSId?>/c.swf" width="0" height="0">
<param name="movie" value="//d.ratepay.com/<?php echo $deviceIdentSId ?>/c.swf" />
<param name="flashvars" value="t=<?php echo $deviceIdentToken ?>&v=<?php echo $deviceIdentSId?>"/><param name="AllowScriptAccess" value="always"/>
</object>
Data Transfer to Wirecard

Please transfer the deviceIdentToken within the authorization request to Wirecard. You can find a corresponding XML sample for either Guaranteed Invoice by Wirecard or Guaranteed Direct Debit.

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 consumers use Guaranteed Invoice by Wirecard, payments with debt discharging effect can be made solely to Wirecard.

Samples

Click here for corresponding notification samples.

Guaranteed Invoice by Wirecard
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>7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>authorization</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <requested-amount currency="EUR">400</requested-amount>
  <order-number>180801110644949</order-number>
  <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>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>nl</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>7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <transaction-id>32783284-5bce-4d5f-aca6-25fa17f6ad53</transaction-id>
  <request-id>8b4b145e-fb5a-4c12-ad9a-396a46b83593</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:06:46.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="09-201808019802726" />
  </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>180801110644949</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>DK0073634K2</descriptor>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <locale>nl</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>7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>capture-authorization</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <requested-amount currency="EUR">200</requested-amount>
  <parent-transaction-id>32783284-5bce-4d5f-aca6-25fa17f6ad53</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/7d7edecb-b008-4f05-9103-308c81cf2ea2/payments/789b1a74-2d07-477c-a5eb-d6dd61872d88">
  <merchant-account-id ref="https://api-test.wirecard.com:443/engine/rest/config/merchants/7d7edecb-b008-4f05-9103-308c81cf2ea2">7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <transaction-id>789b1a74-2d07-477c-a5eb-d6dd61872d88</transaction-id>
  <request-id>314fa896-16ba-4787-b12d-0a7d1169105b</request-id>
  <transaction-type>capture-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:07:19.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="ratepay:The resource was successfully created." severity="information" provider-transaction-id="09-201808019802726" />
  </statuses>
  <requested-amount currency="EUR">200</requested-amount>
  <parent-transaction-id>32783284-5bce-4d5f-aca6-25fa17f6ad53</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>180801110644949</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>DK0073634K2</descriptor>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <parent-transaction-amount currency="EUR">400.000000</parent-transaction-amount>
  <api-id>elastic-api</api-id>
  <locale>nl</locale>
  <provider-account-id>0000003174069FC7</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>7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>credit</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <parent-transaction-id>32783284-5bce-4d5f-aca6-25fa17f6ad53</parent-transaction-id>
  <requested-amount currency="EUR">10</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>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/7d7edecb-b008-4f05-9103-308c81cf2ea2/payments/42a30b0b-9aed-47cb-89e5-dc3649d770b2">
  <merchant-account-id ref="https://api-test.wirecard.com:443/engine/rest/config/merchants/7d7edecb-b008-4f05-9103-308c81cf2ea2">7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <transaction-id>42a30b0b-9aed-47cb-89e5-dc3649d770b2</transaction-id>
  <request-id>0891f924-c326-4a39-ab04-2d240743a161</request-id>
  <transaction-type>credit</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:07:54.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="ratepay:The resource was successfully created." severity="information" provider-transaction-id="09-201808019802726" />
  </statuses>
  <requested-amount currency="EUR">10</requested-amount>
  <parent-transaction-id>32783284-5bce-4d5f-aca6-25fa17f6ad53</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>180801110644949</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>DK0073634K2</descriptor>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <parent-transaction-amount currency="EUR">400.000000</parent-transaction-amount>
  <api-id>elastic-api</api-id>
  <locale>nl</locale>
  <provider-account-id>0000003174069FC7</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>7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
    <request-id>{{$guid}}</request-id>
    <transaction-type>refund-capture</transaction-type>
    <payment-methods>
        <payment-method name="ratepay-invoice" />
    </payment-methods>
    <requested-amount currency="EUR">50</requested-amount>
    <parent-transaction-id>789b1a74-2d07-477c-a5eb-d6dd61872d88</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/7d7edecb-b008-4f05-9103-308c81cf2ea2/payments/34c6ed51-c417-413e-a1f0-e7074f24b19b">
  <merchant-account-id ref="https://api-test.wirecard.com:443/engine/rest/config/merchants/7d7edecb-b008-4f05-9103-308c81cf2ea2">7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <transaction-id>34c6ed51-c417-413e-a1f0-e7074f24b19b</transaction-id>
  <request-id>d7287da8-00a9-48b0-ac3b-8ea14a1f3440</request-id>
  <transaction-type>refund-capture</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:08:33.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="ratepay:The resource was successfully created." severity="information" provider-transaction-id="09-201808019802726" />
  </statuses>
  <requested-amount currency="EUR">50</requested-amount>
  <parent-transaction-id>789b1a74-2d07-477c-a5eb-d6dd61872d88</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>180801110644949</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>DK0073634K2</descriptor>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <parent-transaction-amount currency="EUR">200.000000</parent-transaction-amount>
  <api-id>elastic-api</api-id>
  <locale>nl</locale>
  <provider-account-id>0000003174069FC7</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>7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>void-authorization</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <parent-transaction-id>32783284-5bce-4d5f-aca6-25fa17f6ad53</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/7d7edecb-b008-4f05-9103-308c81cf2ea2/payments/265b5d4f-7a4c-4b93-9189-ab4c0a09e3f2">
  <merchant-account-id ref="https://api-test.wirecard.com:443/engine/rest/config/merchants/7d7edecb-b008-4f05-9103-308c81cf2ea2">7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <transaction-id>265b5d4f-7a4c-4b93-9189-ab4c0a09e3f2</transaction-id>
  <request-id>cdcb75f9-5131-4459-a201-c5db7c8172e4</request-id>
  <transaction-type>void-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-08-01T09:09:37.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="ratepay:The resource was successfully created." severity="information" provider-transaction-id="09-201808019802726" />
  </statuses>
  <requested-amount currency="EUR">200</requested-amount>
  <parent-transaction-id>32783284-5bce-4d5f-aca6-25fa17f6ad53</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>180801110644949</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>DK0073634K2</descriptor>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <parent-transaction-amount currency="EUR">400.000000</parent-transaction-amount>
  <api-id>elastic-api</api-id>
  <locale>nl</locale>
  <provider-account-id>0000003174069FC7</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>7d7edecb-b008-4f05-9103-308c81cf2ea2</merchant-account-id>
  <request-id>{{$guid}}</request-id>
  <transaction-type>authorization</transaction-type>
  <payment-methods>
    <payment-method name="ratepay-invoice" />
  </payment-methods>
  <requested-amount currency="EUR">400</requested-amount>
  <order-number>180801121956992</order-number>
  <account-holder>
    <first-name>Hans-Jürgen </first-name>
    <last-name>Wischnewski</last-name>
    <email>hans@qenta.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>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>
  <device>
    <fingerprint>DeviceIdentToken</fingerprint>
  </device>
</payment>
Custom URL: