Sherlock's Office Batch XML

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Introduction

Sherlock's is a secure multi-channel e-commerce payment solution that complies with the PCI DSS standard. It allows you to accept and manage payment transactions by taking into account business rules related to your activity (payment on despatch, deferred payment, recurring payment, payment in instalments, etc.).

The purpose of this document is to explain the implementation steps of the Sherlock’s Office Batch solution and of initial payment and cash management tests.

Who does this document target?

Sherlock’s Office Batch aims to provide you with Sherlock’s Office functions in Batch mode. These functions are bases on offline file exchanges. Some of the online mode options are not available, e.g. 3-D Secure authentication.

This implementation guide is intended for your technical team.

To get an overview of the Sherlock's solution, we advise you to consult the following documents:

Functional presentation
Functionality set-up guide

Prerequisites

Knowledge of file transfer protocols and standards for programming languages used today, such as Java, PHP or .Net, is necessary to develop a connection to Sherlock’s Office Batch.

Note: all code sections in this document are provided as samples, you will need to adapt them to your website for them to be fully operable.

Understanding payments with Sherlock’s Office Batch

The processing of files by Sherlock’s Office Batch can be divided into several steps:

image showing the kinematics of a payment via office batch

1. The merchant uploads request files to an external FTPS or SFTP account supplied by LCL.

2. LCL's file transfer gateway receives the request files and sends them to the Sherlock’s Office Batch engine.

3. The Sherlock’s Office Batch engine processes the request files one by one and generates one response file per request file.

4. The Sherlock’s Office Batch engine sends the response files to the external FTPS or SFTP account through the file transfer gateway.

5. The merchant retrieves the response files from the external FTPS or SFTP account supplied by LCL.

6. The Sherlock’s Office Batch engine, via the file transfer gateway, destroys the response files after a first successful download by the merchant.

General rules about transfers

The merchant can choose either FTPS or SFTP as transfer method.
LCL provides a dedicated merchant account (with a username and password). The LCL account must be the same for request files and response files; however some file name restrictions apply.
LCL's SFTP and FTPS servers also verify the merchant’s IP address in addition to their username and password.
LCL gives the response file a name that differs from that of the request file.
After a given period (1 week), response files are deleted from the FTPS or SFTP accounts even if they were not downloaded.

Managing the operations from several merchants

The remitter is a partner who acts as a technical operator managing the file exchanges with the Sherlock's payment platform. A remitter can send the operations from several merchants in the same file provided these operations are declared in the name of this remitter during the registration step.

Note: Sherlock's assigns a remitter number during registration. This number is supplied in the remitterId field of the request file header.

image showing a remitter managing the transactions of several merchants in a single file

It should be noted that a remitter can also be a merchant themselves.

Understanding the format of the exchanged files

The request and response files exchanged with Sherlock’s Office Batch are in XML format.

Each file consists of four successive sections:

FILE TYPE corresponds to the file type (please read the next section for an explanation of the various types)
HEADER contains the file header
BODY contains all operations
END marks the end of the file

The file header contains an ID in the form of a sequence number. This sequence number must be:

numerical
unique for all your files (with no time limit)
ascending i.e. must start at 1 and increase from 1 to 1

The file body contains several records. A record corresponds to a transaction or cash management operation, or a related function (such as wallet management or fraud management).

Sample request or response file main structure:

<?xml version="1.0" encoding="utf-8"?>
<file type="…" format="…" version="…">
<header …   >
    <remitterId>023101122334455</remitterId>
    <date>2012-06-08+01:00</date>
    <time>15:35:00+01:00</time>
    <sequence>86</sequence>
</header>
<body>
   <operation1 …   />
   <operation2 …   />
    …
</body>
<end nbRecord="nn" />
</file>

Note: XML schemas are provided in the appendices so you can validate the request and response files.

Several response files can be processed over the same day. When several request files are available on the external FTPS account, Sherlock’s Office Batch processes them one by one successively (not simultaneously) and in their order of arrival on the FTPS account.

There is one response file for each request file even if the file processing generates errors.

Note: except in very specific cases, a response file adds the response fields to the information of the request file. Please read the 'Reconciliation of request and response files' section below.

General rules about the exchanged files

The file size cannot exceed 100 Mb or 100,000 operation records.
A file is dedicated to a single remitter.
A request file cannot contain several operations on the same transaction. For instance, a transaction cannot be created and cancelled in the same request file.
The order of operations in the body of the response file can differ from the order of operations in the request file.

Please get in touch with your usual contact if the 100 MB or 100 000 records limit causes constraints in your integration.

Understanding the format of the request file

The file type is based on the service used.

All the fields of the “file type” element of the request are mandatory and in ANS20 format. They are returned unchanged in the response.

The tag name is file.
The type field must be request for the request and response for the response.
The format and version fields depend on the type of service called.

Format	Version	Service description
office	The value must be 19	Acceptance of transactions and cash management operations.
token	The value must be 1	PAN tokenisation and detokenisation.
fraud	The value must be 2	Fraud management.
wallet	The value must be 3	Management of the payment data in the wallet; used for OneClick and subscription-based payments.

Sample file type:

<file type="request" format="office" version="19">
   ...
</file>

The header is based on a record that contains the following fields:

Fields	Presence	Format	Description
The tag name is header	Mandatory	ANS20	Indicates a header record.
remitterId	Mandatory	N15	Remitter's ID.
date	Mandatory	XML Date	Date, in the merchant's time zone, on which the file was created (YYYY-MM-DD+hh:mm).
time	Mandatory	XML Time	Time, in the merchant's time zone, on which the file was created (hh:mm:ss+hh:mm).
sequence	Mandatory	N6	File sequence number. You may add leading zeros on the left (e.g. 000001 for the first sequence number).

Sample header:

<header>
    <remitterId>023101122334455</remitterId>
    <date>2012-06-11+02:00</date>
    <time>14:28:00+01:00</time>
    <sequence>86</sequence>
  </header>

The body contains operations according to the service declared in the file element. Please refer to the next section for details on the fields for every operation.

Sample "body" section for the office service

<body>
…
    <cardOrder  recordSequence=”2”>
      …
    </cardOrder>
…
</body>

The final section is based on a single record that contains the following fields:

Fields	Presence	Format	Description
The tag name is end	Mandatory	ANS20	Indicates the end of the record.
nbRecord	Mandatory	N6	Number of operations in the "body" section.

Sample "end" element

<end nbRecord="227" />

Request file naming scheme

The request file must be sent in a ZIP archive. The archive name must be OFBREQxx.ZIP, where "xx" is a number between 01 and 99.

An archive must only contain one request file.

You can name this request file freely; however we recommend you to comply with the following naming scheme: SOB.Alias.Date-Time.xml

Where:

SOB is the request file to be sent to Sherlock’s Office Batch
Alias is the Sherlock's alias/merchantId of the remitting shop
Date is the file date in YYMMDD format
Time is the file time in HHMMSS format.

Understanding the format of the response file

The header is based on a record that contains the following fields:

Fields	Format	Description
The tag name is header	ANS20	Indicates a header record.
remitterId	N15	Remitter's ID.
date	XML Date	Date, in the merchant's time zone, on which the file was created (YYYY-MM-DD+hh:mm).
time	XML Time	Time, in the merchant's time zone, on which the file was created (hh:mm:ss+hh:mm).
sequence	N6	File sequence number.
processingResponseCode	AN2	Processing response code
beginProcessTime	ANS25 ISO8601	File processing starting timestamp, in the merchant's time zone.
endProcessTime	ANS25 ISO8601	File processing ending timestamp, in the merchant's time zone.

Sample header:

<header>
    <remitterId>023101122334455</remitterId>
    <date>2012-06-11+02:00</date>
    <time>14:28:00+01:00</time>
    <sequence>86</sequence>
    <processingResponseCode>00</processingResponseCode>
    <beginProcessTime>2012-06-07T11:30:47+02:00</beginProcessTime>
    <endProcessTime>2012-06-07T11:31:43+02:00</endProcessTime>
  </header>

The “error-details” element is only returned when an error occurs during the checking of the request file. “error-details” is a character string that describes the error.

Sample header:

…
<error-details>ERROR_FILE_ALREADY_PROCESSED: processing_response_code = [02] :
Error in the file sequence number. 
The file has already been processed. Expected sequence number [2] - 
Request file sequence number [1]</error-details>
…

The response file contains one element for each operation of the request file. The attributes of this element are filled in during the return. The returned fields are described in the next section.

The end of the response file is similar to the end of the request file and contains the following fields:

Fields	Format	Description
The tag name is end	ANS20	Indicates the end of the record
nbRecord	N6	Number of operations in the "body" section

Sample "end" element:

<end nbRecord="227" />

Response file naming scheme

The response file is sent in a ZIP archive. This archive is called s******.OFBREP**.zip.

Where:

s****** is a unique and non-customisable sequence number.
OFBREP** is a number between 01 and 99; this number is identical to that of the request file.

The name of the response file contained in the archive complies with the following naming scheme: OFFUBZ.OFFBAREP.$alias.$date (for instance OFFUBZ.OFFBAREP.MM20LEQUIPE0861.181216).

Where:

$alias is the Sherlock's alias of the webshop.
$date is the file processing date in YYMMDD format.

Reconciliation of request and response files

To make it easier to reconcile request and response files, each request file is identified by a sequence number that is also returned with the response.

All the fields of the request file are also returned in the response file, except for the following fields because of compliance with the PCI DSS standard:

cardNumber can be returned hidden in the maskedPan field.
cardEffectiveDate (card effective date).
cardExpiryDate (card expiry date),
cardSeqNumber (card sequence number if present),
cardCSCValue (card security code).

Sherlock's can modify the value of the following field if the creation of the transaction is followed by a banking authorization:

transactionDate

Getting started with Sherlock’s Office Batch in 4 steps

Step 1: requesting the creation of a FTPS account

To this end, you must return the Sherlock’s Office Batch registration form given to you by your LCL technical contact. The creation of a FTPS account takes about 12 days from the receipt of the form if the latter has been filled in properly.

E-mails are then exchanged to test the FTPS account in validation mode before implementation in the production environment.

Step 2: using the available functions

The various possible functions are the subject of specific requests. The list of the functions and the details of the requests and responses are available on this page.

A request consists of generic fields and container-type fields.

A container is a data structure that groups data functionally.

If a field is that of a container, it is named <container name>.<field name>.

Tip: before you use a function, make sure you are allowed to use it on your shop by contacting the Sherlock's technical support.

Note: in the responses, depending on the transaction status and the payment mean chosen, some fields can be null, empty or not returned. Please refer to the payment means documentations to know the field present in the responses.

Containers

Containers group data functionally. They can contain lists, in which case list elements must be supplied in the following manner:

<elementList>
<elementName>value1</elementName>
<elementName>value2</elementName>
…
</elementList>

All these fields are optional.

Analysing errors when checking the file

There are several response code levels when Sherlock’s Office Batch processes a file. Several overall checks are carried out before the file is processed. If one of these checks fails, the file is completely rejected. (the processingResponseCode is neither 00 nor 01).

The returned response file contains the overall processing result code in the processingResponseCode field, in the file header.

Overall processing result codes

Code	Meaning
00	File processed correctly. The file contains the list of operations.
01	File processed correctly. An operation has been associated with a merchant that is not related to the remitter ID. The operation will set the value of the officeBatchResponseCode field to 80.
02	File already processed The file sequence number is lower than it should be. The correct number is returned in the message that describes the error.
03	Sequence broken in the file sequence number. The file sequence number is higher than it should be. The correct number is returned in the message that describes the error.
04	Technical issue. Internal issue
05	File too big
06	The number of operations exceeds the maximum authorised amount. The maximum number of operations has been reached (100 000 operations maximum. This limit can be lower if you are not using the las version of the connector).
07	*The number of operations counted is different from the number specified in the nbRecord* field.**
08	Duplicate operation
09	Incorrect record
10	Incorrect file format. The file format is not correct (the error description will be returned in the error-details tag).
11	Incorrect remitter. The remitter declared in the header is not correct.
Autres codes	Incorrect file (these codes apply to older Sherlock’s Office Batch versions).

Response code	Cause	Solution
Different from 00 and 01	Restarting processing	The request file must be returned in its entirety with the same file sequence number.
03	File sequence number interruption	The file was completely refused. If necessary, the sequence number must be corrected and the file returned.
04	Technical error	An operation caused a technical error. File processing was not interrupted. In this case, the processing can be very fast since all operations with code 25 or 90 will be refused (responseCode field). For now, LCL has not supplied any mechanism to defer the processing until a new connection is established.

Response code

Cause

Solution

Different from 00 and 01

Restarting processing

The request file must be returned in its entirety with the same file sequence number.

File sequence number interruption

The file was completely refused. If necessary, the sequence number must be corrected and the file returned.

Technical error

An operation caused a technical error. File processing was not interrupted. In this case, the processing can be very fast since all operations with code 25 or 90 will be refused (responseCode field).

For now, LCL has not supplied any mechanism to defer the processing until a new connection is established.

Analysing the errors caused by an operation

Each operation is considered as independent. Each operation has its own stored response code (officeBatchResponseCode code). The code indicates the field that causes the issue.

If an operation fails, the processing is not interrupted. The operation is refused with the typical Sherlock's response code (responseCode field).

Codes	Fields in question
00	None (all fields are correct)
01	merchantId error
03	transactionReference error
04	merchantTransactionDateTime error
05	amount error
06	captureDay error
07	captureMode error
08	operationAmount error
09	operationOrigin error
11	currencyCode error
12	customerIpAddress error
13	customerEmail error
14	customerId error
16	orderId error
17	orderChannel error
18	transactionOrigin error
19	returnContext error
20	fromTransactionReference error
21	cardExpiryDate error
22	cardNumber error
23	cardCSCValue error
24	cardEffectiveDate error
25	cardSeqNumber error
26	paymentMeanBrand error
27	authorisationId error
28	merchantWalletId error
29	paymentMeanId error
30	paymentPattern error
31	number error
32	statementReference error
33	panType error
34	mandateId error
35	valueDate error
36	paymentMeanAlias error
37	account error
38	bankCode error
39	transactionActors error
45	Date fields format error
46	settlementMode error
47	comment error
48	validationIndicator error
50	s10TransactionId error
51	s10TransactionIdDate error
52	s10FromTransactionId error
53	s10FromTransactionIdDate error
54	fraudData error
55	riskManagementDynamicParam error
56	riskManagementDynamicValue error
57	riskManagementDynamicSettingList error
58	fraudListReason error
59	fraudListType error
60	fraudListLevel error
61	fraudListElementType error
62	fraudListElementValue error
63	lastRecoveryIndicator error
64	order context field error
65	travel context field error
66	Delivery data field error
67	Address field error
68	Contact field error
69	cardAuthPolicy error
70	Shopping Cart Detail field error
71	merchantExternalId error
72	paymentMeanBrandSelectionStatus error
73	settlementArchivingReference error
74	settlementMerchantSpecificData error
75	fromTransactionAcceptor error
76	initialAuthenticationCavv error
77	bancontactMerchantCustomerAuthenticationMethod error
78	invoiceReference error
79	subMerchantCategoryCode error
80	Merchant not registered with Sherlock’s Office Batch or not associated with the remitter declared in the header
81	subMerchantLegalId error
82	subMerchantShortName error
83	subMerchantContractNumber error
84	subMerchantUrl error
85	subMerchantAddress error
86	subMerchantId error

Step 3: testing in the customer's validation environment

The objective is to validate that the file structure and query syntax are correct. For this first step, there is no connection to the payment acquirer: card authorisation requests are simulated. Transactions are stored in the Sherlock's back office and you can test cash management operations on these transactions.

Contact the technical support to have a shop configured in the validation environement and request that file transfer be implemented between your site and Sherlock's.

Step 4: validating the transition to live operation

First, submit a file containing a limited number of operations to validate the transition to live operation. Check the response file to make sure all operations were carried out correctly:

Monitor the acceptance rate (number of responseCode 00/total number of operations).
Check the nature of non-banking refusals:
- technical issue: responseCode 90, 97, 99,
- acquirer fraud: responseCode 34.

Appendix

Below are the XML schemas for each service available in Sherlock’s Office Batch.

office service XSD

Request file

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified">

<xs:element name="file">
    <xs:complexType>
      <xs:sequence>
        <xs:element ref="header" />
        <xs:element ref="body" />
        <xs:element ref="end" />
      </xs:sequence>
      <xs:attribute name="type" type="xs:string" use="required" fixed="request" />
      <xs:attribute name="format" type="xs:string" use="required"/>
      <xs:attribute name="version" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

<xs:element name="header">
    <xs:complexType>
      <xs:all>
        <xs:element name="remitterId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="date" type="xs:date" maxOccurs="1" minOccurs="1"/>
        <xs:element name="time" type="xs:time" maxOccurs="1" minOccurs="1"/>
        <xs:element name="sequence" type="xs:string" maxOccurs="1" minOccurs="1"/>
      </xs:all>
    </xs:complexType>
  </xs:element>

<xs:element name="body">
    <xs:complexType>
      <xs:choice minOccurs="0" maxOccurs="unbounded">
        <xs:element ref="validate" />
        <xs:element ref="refund" />
        <xs:element ref="duplicate" />
        <xs:element ref="cardOrder" />
        <xs:element ref="directDebitOrder" />
        <xs:element ref="cancel" />
        <xs:element ref="credit" />
        <xs:element ref="walletOrder" />
        <xs:element ref="acceptChallenge" />
        <xs:element ref="refuseChallenge" />
        <xs:element ref="walletCredit" />
      </xs:choice>
    </xs:complexType>
  </xs:element>

  <xs:element name="end">
    <xs:complexType>
      <xs:attribute name="nbRecord" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

<xs:element name="cardOrder">
<xs:complexType>
      <xs:all>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureDay" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureMode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardCSCValue" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardEffectiveDate" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardExpiryDate" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="cardNumber" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="cardSeqNumber" type="xs:short" maxOccurs="1" minOccurs="0"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="fraudData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantTransactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentPattern" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="panType" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="paymentMeanData" maxOccurs="1" minOccurs="0" />
        <xs:element name="holderData" type="holderData" maxOccurs="1" minOccurs="0" />
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="riskManagementCustomDataList" maxOccurs="1" minOccurs="0" />
        <xs:element ref="shoppingCartDetail" maxOccurs="1" minOccurs="0" />
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanBrandSelectionStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="orderContext" maxOccurs="1" minOccurs="0" />
        <xs:element ref="travelContext" maxOccurs="1" minOccurs="0" />
        <xs:element name="deliveryContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryData" type="DeliveryData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="authenticationData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="initialSchemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="directDebitOrder">
    <xs:complexType>
      <xs:all>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureDay" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureMode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="fraudData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="instalmentData" minOccurs="0" maxOccurs="1" />
        <xs:element name="mandateId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantTransactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentPattern" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="valueDate" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="riskManagementCustomDataList" maxOccurs="1" minOccurs="0" />
        <xs:element ref="shoppingCartDetail" maxOccurs="1" minOccurs="0" />
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="credit">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="cardEffectiveDate" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardExpiryDate" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="cardNumber" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="cardCSCValue" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardSeqNumber" type="xs:short" maxOccurs="1" minOccurs="0"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="panType" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0" />
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="cancel">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="refund">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="operationAmount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="shoppingCartDetail" maxOccurs="1" minOccurs="0" />
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="duplicate">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureDay" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureMode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="fraudData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="fromTransactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantTransactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="fromMerchantId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="s10FromTransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="orderContext" maxOccurs="1" minOccurs="0" />
        <xs:element ref="travelContext" maxOccurs="1" minOccurs="0" />
        <xs:element name="deliveryContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryData" type="DeliveryData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="authenticationData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="shoppingCartDetail" maxOccurs="1" minOccurs="0" />
        <xs:element name="paymentMeanData" minOccurs="0" maxOccurs="1" />
            <xs:complexType>
                <xs:all>
                    <xs:element name="paypal" type="duplicate.paymentMeanData.paypal" minOccurs="0" maxOccurs="1"/>
                    <xs:element name="bcacup" type="duplicate.paymentMeanData.bcacup" minOccurs="0" maxOccurs="1"/>
                </xs:all>
            </xs:complexType>
        </xs:element>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

	<xs:complexType name="duplicate.paymentMeanData.paypal">
		<xs:all>
			<xs:element name="invoiceId" type="xs:string" minOccurs="0" />
		</xs:all>
	</xs:complexType>
	<xs:complexType name="duplicate.paymentMeanData.bcacup">
		<xs:all>
			<xs:element name="settlementMode" type="xs:string" minOccurs="0" />
		</xs:all>
	</xs:complexType>

<xs:element name="validate">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="operationAmount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
                <xs:element name="lastRecoveryIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="walletOrder">
      <xs:complexType>
        <xs:all>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureDay" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureMode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="fraudData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantTransactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardCSCValue" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentPattern" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="orderContext" maxOccurs="1" minOccurs="0" />
        <xs:element ref="travelContext" maxOccurs="1" minOccurs="0" />
        <xs:element name="deliveryContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryData" type="DeliveryData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="authenticationData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="initialSchemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:element name="walletCredit">
      <xs:complexType>
        <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0" />
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:element name="acceptChallenge">
    <xs:complexType>
      <xs:all>
        <xs:element name="comment" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="validationIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="refuseChallenge">
    <xs:complexType>
      <xs:all>
        <xs:element name="comment" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:element name="fraudData">
    <xs:complexType>
      <xs:sequence>
        <xs:element name="bypass3DS" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="bypassCtrlList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="ctrl"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="bypassInfoList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="info"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:choice maxOccurs="1" minOccurs="0">
          <xs:element name="allowedCardCountryList"
            type="CountryList">
          </xs:element>
          <xs:element name="deniedCardCountryList"
            type="CountryList">
          </xs:element>
        </xs:choice>
        <xs:choice maxOccurs="1" minOccurs="0">
          <xs:element name="allowedCardArea"
            type="xs:string">
          </xs:element>
          <xs:element name="deniedCardArea"
            type="xs:string">
          </xs:element>
        </xs:choice>
        <xs:choice maxOccurs="1" minOccurs="0">
          <xs:element name="allowedIpCountryList"
            type="CountryList">
          </xs:element>
          <xs:element name="deniedIpCountryList"
            type="CountryList">
          </xs:element>
        </xs:choice>
        <xs:choice maxOccurs="1" minOccurs="0">
          <xs:element name="allowedIpArea" type="xs:string"></xs:element>
          <xs:element name="deniedIpArea" type="xs:string"></xs:element>
        </xs:choice>
        <xs:element minOccurs="0" name="riskManagementDynamicSettingList">
          <xs:complexType>
            <xs:sequence>
              <xs:element maxOccurs="unbounded" minOccurs="0" name="riskManagementDynamicSetting" type="RiskManagementDynamicSetting"/>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
      </xs:sequence>
    </xs:complexType>
  </xs:element>

<xs:complexType name="CountryList">
    <xs:sequence>
      <xs:element name="country" type="xs:string" maxOccurs="unbounded" minOccurs="1"></xs:element>
    </xs:sequence>
  </xs:complexType>

  <xs:complexType name="RiskManagementDynamicSetting">
    <xs:sequence>
      <xs:element name="riskManagementDynamicParam" type="xs:string" maxOccurs="1" minOccurs="1"></xs:element>
      <xs:element name="riskManagementDynamicValue" type="xs:string" maxOccurs="1" minOccurs="1"></xs:element>
    </xs:sequence>
  </xs:complexType>

<xs:complexType name="Contact">
    <xs:all>
      <xs:element name="email" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="firstName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="lastName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="gender" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="phone" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="mobile" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

<xs:complexType name="Address">
    <xs:all>
      <xs:element name="additionalAddress1" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="additionalAddress2" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="additionalAddress3" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="city" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="country" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="streetName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="streetNumber" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="zipCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="state" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="postbox" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:complexType name="DeliveryData">
    <xs:all>
      <xs:element name="deliveryMethod" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:element name="instalmentData">
    <xs:complexType>
      <xs:all>
        <xs:element name="number" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="datesList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="date"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="transactionReferencesList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="transactionReference"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="amountsList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="amount"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="s10TransactionIdsList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="s10TransactionId"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

<xs:element name="paymentMeanData">
    <xs:complexType>
      <xs:all>
        <xs:element name="accord" type="accord" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="cofinoga" type="cofinoga" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:complexType name="accord">
    <xs:all>
      <xs:element name="settlementMode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:complexType name="cofinoga">
    <xs:all>
      <xs:element name="settlementMode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:complexType name="holderData">
    <xs:all>
      <xs:element name="birthDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:element name="s10TransactionReference">
    <xs:complexType>
      <xs:all>
        <xs:element name="s10TransactionId" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="s10TransactionIdDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

<xs:element name="s10FromTransactionReference">
    <xs:complexType>
      <xs:all>
        <xs:element name="s10FromTransactionId" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="s10FromTransactionIdDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

<xs:element name="riskManagementCustomDataList">
    <xs:complexType>
      <xs:sequence>
        <xs:element ref="riskManagementCustomData" maxOccurs="unbounded" minOccurs="1"/>
      </xs:sequence>
    </xs:complexType>
  </xs:element>

<xs:element name="riskManagementCustomData">
    <xs:complexType>
      <xs:all>
        <xs:element name="riskManagementCustomSequence" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="riskManagementCustomValue" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

<xs:element name="shoppingCartDetail">
    <xs:complexType>
      <xs:all>
        <xs:element name="shoppingCartTotalAmount" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="shoppingCartTotalQuantity" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="shoppingCartTotalTaxAmount" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="mainProduct" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="ShoppingCartItemList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element ref="shoppingCartItem" maxOccurs="unbounded" minOccurs="1"/>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:element name="shoppingCartItem">
    <xs:complexType>
      <xs:all>
        <xs:element name="productName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productDescription" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productSKU" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productUnitAmount" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productQuantity" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productTaxRate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productUnitTaxAmount" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productCategory" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

<xs:element name="orderContext">
    <xs:complexType>
      <xs:all>
        <xs:element name="customerHostName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="customerBrowserType" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="customerANI" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="customerANIInformationIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:element name="travelContext">
    <xs:complexType>
      <xs:all>
        <xs:element name="departureDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="passengerName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="originAirport" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="numberOfRoutingCities" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="routingCityList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="routingCity" type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="numberOfAirlineCarriers" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="airlineCarrierList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="airlineCarrier" type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="fareBasis" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="numberOfPassengers" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="destinationAirport" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="reservationCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

<xs:element name="authenticationData">
    <xs:complexType>
      <xs:all>
        <xs:element name="cardAuthPolicy" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:all>
              <xs:element name="checkAVS" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
              <xs:element name="ignoreCSCCheckResult" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
              <xs:element name="ignorePostcodeCheckResult" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
              <xs:element name="ignoreAddressCheckResult" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
              <xs:element name="automaticReverse" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
            </xs:all>
          </xs:complexType>
        </xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>
</xs:schema>

Response file

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified">

  <xs:element name="file">
    <xs:complexType>
      <xs:sequence>
        <xs:element ref="header" />
        <xs:element ref="error-details" minOccurs="0" />
        <xs:element ref="body" minOccurs="0" />
        <xs:element ref="end" />
      </xs:sequence>
      <xs:attribute name="type" type="xs:string" use="required" fixed="response" />
      <xs:attribute name="format" type="xs:string" use="required"/>
      <xs:attribute name="version" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>
  
  <xs:element name="header">
    <xs:complexType>
      <xs:sequence>
        <xs:element name="remitterId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="date" type="xs:date" maxOccurs="1" minOccurs="1"/>
        <xs:element name="time" type="xs:time" maxOccurs="1" minOccurs="1"/>
        <xs:element name="sequence" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="processingResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="beginProcessTime" type="xs:dateTime" maxOccurs="1" minOccurs="1"/>
        <xs:element name="endProcessTime" type="xs:dateTime" maxOccurs="1" minOccurs="1"/>
      </xs:sequence>
    </xs:complexType>
  </xs:element>
  
  <xs:element name="body">
    <xs:complexType>
      <xs:choice minOccurs="0" maxOccurs="unbounded">
        <xs:element ref="validate" />
        <xs:element ref="refund" />
        <xs:element ref="duplicate" />
        <xs:element ref="cardOrder" />
        <xs:element ref="directDebitOrder" />
        <xs:element ref="cancel" />
        <xs:element ref="credit" />
        <xs:element ref="walletOrder" />
        <xs:element ref="acceptChallenge" />
        <xs:element ref="refuseChallenge" />
        <xs:element ref="walletCredit" />
      </xs:choice>
    </xs:complexType>
  </xs:element>
  
  <!-- Error details for error response file -->
  <xs:element name="error-details" type="xs:string" />
  
  <xs:element name="end">
    <xs:complexType>
      <xs:attribute name="nbRecord" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>  

  
  <xs:element name="cardOrder">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureDay" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureMode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="fraudData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantTransactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentPattern" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="panType" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="paymentMeanData" maxOccurs="1" minOccurs="0" />
        <xs:element name="holderData" type="holderData" maxOccurs="1" minOccurs="0" />
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="orderContext" maxOccurs="1" minOccurs="0" />
        <xs:element ref="travelContext" maxOccurs="1" minOccurs="0" />
        <xs:element name="deliveryContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryData" type="DeliveryData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="authenticationData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="initialSchemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>

        <!-- RESPONSE -->
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="complementaryCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="complementaryInfo" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="guaranteeIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAuthentRelegation" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAuthentStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="tokenPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorMessageReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="acquirerResponseMessage" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanTradingName" type="xs:string" maxOccurs="1" minOccurs="0"/>
      
        <xs:element ref="riskManagementCustomDataList" maxOccurs="1" minOccurs="0" />
        <xs:element ref="shoppingCartDetail" maxOccurs="1" minOccurs="0" />
        <xs:element ref="cardData" maxOccurs="1" minOccurs="0" />
        
        <xs:element name="recurringResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <!-- RMS fields -->
        <xs:element name="preAuthorisationProfile" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="preAuthorisationProfileValue" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element minOccurs="0" name="preAuthorisationRuleResultList">
          <xs:complexType>
            <xs:sequence>
              <xs:element maxOccurs="unbounded" minOccurs="0" name="ruleResult" type="RuleResult"/>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanBrandSelectionStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionPlatform" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardCSCResultCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="avsPostcodeResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="avsAddressResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationTypeLabel" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="schemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentAccountReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="virtualCardIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>
  
  <xs:element name="directDebitOrder">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureDay" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureMode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="fraudData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="instalmentData" minOccurs="0" maxOccurs="1" />
        <xs:element name="mandateId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantTransactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentPattern" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="valueDate" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        
        <!-- RESPONSE -->
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureLimitDate" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="creditorId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="guaranteeIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAuthentRelegation" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAuthentStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionActors" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        
        <xs:element ref="riskManagementCustomDataList" maxOccurs="1" minOccurs="0" />
        <xs:element ref="shoppingCartDetail" maxOccurs="1" minOccurs="0" />
                <!-- RMS fields -->
                <xs:element name="preAuthorisationProfile" type="xs:string" maxOccurs="1" minOccurs="0"/>
                <xs:element name="preAuthorisationProfileValue" type="xs:string" maxOccurs="1" minOccurs="0"/>
                <xs:element minOccurs="0" name="preAuthorisationRuleResultList">
                    <xs:complexType>
                        <xs:sequence>
                            <xs:element maxOccurs="unbounded" minOccurs="0" name="ruleResult" type="RuleResult"/>
                        </xs:sequence>
                    </xs:complexType>
                </xs:element>
        <xs:element name="transactionPlatform" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="secureReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:element name="credit">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="panType" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0" />
        
        <!-- RESPONSE -->
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="operationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionPlatform" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="virtualCardIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>
  
  <xs:element name="cancel">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        
        <!-- RESPONSE -->
        <xs:element name="operationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newAmount" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>
  
  <xs:element name="refund">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="operationAmount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="shoppingCartDetail" maxOccurs="1" minOccurs="0" />

        <!-- RESPONSE -->
        <xs:element name="operationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newAmount" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>
  
  <xs:element name="duplicate">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureDay" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureMode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="fraudData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="fromTransactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantTransactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="fromMerchantId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="s10FromTransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="orderContext" maxOccurs="1" minOccurs="0" />
        <xs:element ref="travelContext" maxOccurs="1" minOccurs="0" />
        <xs:element name="deliveryContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryData" type="DeliveryData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="authenticationData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="shoppingCartDetail" maxOccurs="1" minOccurs="0" />

        <!-- RESPONSE -->
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="complementaryCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="complementaryInfo" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="scoreColor" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="scoreInfo" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="scoreProfile" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="scoreThreshold" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="scoreValue" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="panExpiryDate" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="cardData" maxOccurs="1" minOccurs="0" />
        <xs:element name="avsPostcodeResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="avsAddressResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="schemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentAccountReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <!-- RMS fields -->
        <xs:element name="preAuthorisationProfile" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="preAuthorisationProfileValue" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element minOccurs="0" name="preAuthorisationRuleResultList">
          <xs:complexType>
            <xs:sequence>
              <xs:element maxOccurs="unbounded" minOccurs="0" name="ruleResult" type="RuleResult"/>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="paymentMeanBrandSelectionStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionPlatform" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="virtualCardIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="tokenPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>
  
  <xs:element name="validate">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="operationAmount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element name="lastRecoveryIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
        
        <!-- RESPONSE -->
        <xs:element name="operationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newAmount" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureLimitDate" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="schemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentAccountReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>
  
  <xs:element name="walletOrder">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="captureDay" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureMode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="fraudData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantTransactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentPattern" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="orderContext" maxOccurs="1" minOccurs="0" />
        <xs:element ref="travelContext" maxOccurs="1" minOccurs="0" />
        <xs:element name="deliveryContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="deliveryData" type="DeliveryData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingContact" type="Contact" maxOccurs="1" minOccurs="0"/>
        <xs:element name="billingAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="authenticationData" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAddress" type="Address" maxOccurs="1" minOccurs="0"/>
        <xs:element name="initialSchemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>

        <!-- RESPONSE -->
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="complementaryCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="complementaryInfo" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="guaranteeIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAuthentRelegation" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="holderAuthentStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="tokenPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="cardData" maxOccurs="1" minOccurs="0" />
        <xs:element name="cardCSCResultCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="avsPostcodeResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="avsAddressResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <!-- RMS fields -->
        <xs:element name="preAuthorisationProfile" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="preAuthorisationProfileValue" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element minOccurs="0" name="preAuthorisationRuleResultList">
          <xs:complexType>
            <xs:sequence>
              <xs:element maxOccurs="unbounded" minOccurs="0" name="ruleResult" type="RuleResult"/>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="transactionPlatform" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorMessageReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationTypeLabel" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="schemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentAccountReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="virtualCardIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:element name="walletCredit">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="amount" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="currencyCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="customerEmail" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerIpAddress" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderChannel" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="orderId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="returnContext" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" /> 
        <xs:element name="statementReference" type="xs:string" maxOccurs="1" minOccurs="0" /> 

        <!-- RESPONSE -->
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="operationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="transactionPlatform" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="virtualCardIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:element name="acceptChallenge">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="comment" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="validationIndicator" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        <xs:element ref="orderContext" maxOccurs="1" minOccurs="0" />
        <xs:element ref="travelContext" maxOccurs="1" minOccurs="0" />
        
        <!-- RESPONSE -->
        <xs:element name="acquirerResponseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="authorisationId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="captureLimitDate" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="newStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="operationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="schemeTransactionIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentAccountReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>
  
  <xs:element name="refuseChallenge">
    <xs:complexType>
      <xs:all>
        <!-- REQUEST -->
        <xs:element name="comment" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="operationOrigin" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionReference" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element ref="s10TransactionReference" maxOccurs="1" minOccurs="0" />
        
        <!-- RESPONSE -->
        <xs:element name="newStatus" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="operationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>        
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:element name="fraudData">
    <xs:complexType>
      <xs:sequence>
        <xs:element name="bypass3DS" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="bypassCtrlList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="ctrl"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="bypassInfoList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="info"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:choice maxOccurs="1" minOccurs="0">
          <xs:element name="allowedCardCountryList"
            type="CountryList">
          </xs:element>
          <xs:element name="deniedCardCountryList"
            type="CountryList">
          </xs:element>
        </xs:choice>
        <xs:choice maxOccurs="1" minOccurs="0">
          <xs:element name="allowedCardArea"
            type="xs:string">
          </xs:element>
          <xs:element name="deniedCardArea"
            type="xs:string">
          </xs:element>
        </xs:choice>
        <xs:choice maxOccurs="1" minOccurs="0">
          <xs:element name="allowedIpCountryList"
            type="CountryList">
          </xs:element>
          <xs:element name="deniedIpCountryList"
            type="CountryList">
          </xs:element>
        </xs:choice>
        <xs:choice maxOccurs="1" minOccurs="0">
          <xs:element name="allowedIpArea" type="xs:string"></xs:element>
          <xs:element name="deniedIpArea" type="xs:string"></xs:element>
        </xs:choice>
        <xs:element minOccurs="0" name="riskManagementDynamicSettingList">
          <xs:complexType>
            <xs:sequence>
              <xs:element maxOccurs="unbounded" minOccurs="0" name="riskManagementDynamicSetting" type="RiskManagementDynamicSetting"/>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
      </xs:sequence>
    </xs:complexType>
  </xs:element>
  
  <xs:complexType name="CountryList">
    <xs:sequence>
      <xs:element name="country" type="xs:string" maxOccurs="unbounded" minOccurs="1"></xs:element>
    </xs:sequence>
  </xs:complexType>

  <xs:complexType name="RiskManagementDynamicSetting">
    <xs:sequence>
      <xs:element name="riskManagementDynamicParam" type="xs:string" maxOccurs="1" minOccurs="1"></xs:element>
      <xs:element name="riskManagementDynamicValue" type="xs:string" maxOccurs="1" minOccurs="1"></xs:element>
    </xs:sequence>
  </xs:complexType>

  <xs:complexType name="Contact">
    <xs:all>
      <xs:element name="email" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="firstName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="lastName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="gender" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="phone" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="mobile" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:complexType name="Address">
    <xs:all>
      <xs:element name="additionalAddress1" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="additionalAddress2" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="additionalAddress3" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="city" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="country" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="streetName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="streetNumber" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="zipCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="state" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="postbox" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:complexType name="DeliveryData">
    <xs:all>
      <xs:element name="deliveryMethod" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:element name="instalmentData">
    <xs:complexType>
      <xs:all>
        <xs:element name="number" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="datesList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="date"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="transactionReferencesList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="transactionReference"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="amountsList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="amount"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="s10TransactionIdsList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="s10TransactionId"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>


  <xs:element name="paymentMeanData">
    <xs:complexType>
      <xs:all>
        <xs:element name="accord" type="accord" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="cofinoga" type="cofinoga" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:complexType name="accord">
    <xs:all>
      <xs:element name="additionalAuthorisationNumber" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="settlementMode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

  <xs:complexType name="cofinoga">
    <xs:all>
      <xs:element name="settlementMode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>
  
  <xs:complexType name="holderData">
    <xs:all>
      <xs:element name="birthDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>


  <xs:element name="s10TransactionReference">
    <xs:complexType>
      <xs:all>
        <xs:element name="s10TransactionId" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="s10TransactionIdDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:element name="s10FromTransactionReference">
    <xs:complexType>
      <xs:all>
        <xs:element name="s10FromTransactionId" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="s10FromTransactionIdDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>


  <xs:element name="riskManagementCustomDataList">
    <xs:complexType>
      <xs:sequence>
        <xs:element name="riskManagementCustomData"
          type="xs:string" maxOccurs="unbounded" minOccurs="1">
        </xs:element>
      </xs:sequence>
    </xs:complexType>
  </xs:element>

  <xs:element name="riskManagementCustomData">
    <xs:complexType>
      <xs:all>
        <xs:element name="riskManagementCustomSequence" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="riskManagementCustomValue" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:element name="shoppingCartDetail">
    <xs:complexType>
      <xs:all>
        <xs:element name="shoppingCartTotalAmount" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="shoppingCartTotalQuantity" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="shoppingCartTotalTaxAmount" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="mainProduct" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="ShoppingCartItemList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="shoppingCartItem"
                type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:element name="shoppingCartItem">
    <xs:complexType>
      <xs:all>
        <xs:element name="productName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productDescription" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productSKU" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productUnitAmount" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productQuantity" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productTaxRate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productUnitTaxAmount" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="productCategory" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>  

  <xs:element name="cardData">
    <xs:complexType>
      <xs:all>
        <xs:element name="cardProductCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="cardProductName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="cardProductProfile" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="cardScheme" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="issuerCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="issuerCountryCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
<xs:element name="cardProductUsageLabel" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:complexType name="RuleResult">
    <xs:sequence>
      <xs:element name="ruleCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="ruleType" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="ruleWeight" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="ruleSetting" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="ruleResultIndicator" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="ruleDetailedInfo" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:sequence>
  </xs:complexType>

  <xs:element name="orderContext">
    <xs:complexType>
      <xs:all>
        <xs:element name="customerHostName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="customerBrowserType" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="customerANI" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="customerANIInformationIdentifier" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>  

  <xs:element name="travelContext">
    <xs:complexType>
      <xs:all>
        <xs:element name="departureDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="passengerName" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="originAirport" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="numberOfRoutingCities" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="routingCityList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="routingCity" type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="numberOfAirlineCarriers" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="airlineCarrierList" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:sequence>
              <xs:element name="airlineCarrier" type="xs:string" maxOccurs="unbounded" minOccurs="1">
              </xs:element>
            </xs:sequence>
          </xs:complexType>
        </xs:element>
        <xs:element name="fareBasis" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="numberOfPassengers" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="destinationAirport" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
        <xs:element name="reservationCode" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>  

  <xs:element name="authenticationData">
    <xs:complexType>
      <xs:all>
        <xs:element name="cardAuthPolicy" maxOccurs="1" minOccurs="0">
          <xs:complexType>
            <xs:all>
              <xs:element name="checkAVS" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
              <xs:element name="ignoreCSCCheckResult" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
              <xs:element name="ignorePostcodeCheckResult" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
              <xs:element name="ignoreAddressCheckResult" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
              <xs:element name="automaticReverse" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
            </xs:all>
          </xs:complexType>
        </xs:element>
      </xs:all>
    </xs:complexType>
  </xs:element>

</xs:schema>

fraud service XSD

Request file

<?xml version="1.0" encoding="UTF-8"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified">

<xs:element name="file">
    <xs:complexType>
      <xs:sequence>
        <xs:element ref="header"/>
        <xs:element ref="body"/>
        <xs:element ref="end"/>
      </xs:sequence>
      <xs:attribute fixed="request" name="type" type="xs:string" use="required"/>
      <xs:attribute name="format" type="xs:string" use="required"/>
      <xs:attribute name="version" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

<xs:element name="header">
    <xs:complexType>
      <xs:all>
        <xs:element maxOccurs="1" minOccurs="1" name="remitterId" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="date" type="xs:date"/>
        <xs:element maxOccurs="1" minOccurs="1" name="time" type="xs:time"/>
        <xs:element maxOccurs="1" minOccurs="1" name="sequence" type="xs:string"/>
      </xs:all>
    </xs:complexType>
  </xs:element>

<xs:element name="body">
    <xs:complexType>
      <xs:choice maxOccurs="unbounded" minOccurs="0">
        <xs:element ref="addToFraudList"/>
        <xs:element ref="removeFromFraudList"/>
      </xs:choice>
    </xs:complexType>
  </xs:element>

<xs:element name="addToFraudList">
    <xs:complexType>
      <xs:all>
        <xs:element maxOccurs="1" minOccurs="1" name="merchantId" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="0" name="fraudListReasonCode" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListType" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListLevel" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListElementType" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListElementValue" type="xs:string"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

<xs:element name="removeFromFraudList">
    <xs:complexType>
      <xs:all>
        <xs:element maxOccurs="1" minOccurs="1" name="merchantId" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListType" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListLevel" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListElementType" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListElementValue" type="xs:string"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

  <xs:element name="end">
    <xs:complexType>
      <xs:attribute name="nbRecord" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

Response file

<?xml version="1.0" encoding="UTF-8"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified">

  <xs:element name="file">
    <xs:complexType>
      <xs:sequence>
        <xs:element ref="header"/>
        <xs:element minOccurs="0" ref="error-details"/>
        <xs:element minOccurs="0" ref="body"/>
        <xs:element ref="end"/>
      </xs:sequence>
      <xs:attribute fixed="response" name="type" type="xs:string" use="required"/>
      <xs:attribute name="format" type="xs:string" use="required"/>
      <xs:attribute name="version" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>
  <xs:element name="header">
    <xs:complexType>
      <xs:sequence>
        <xs:element maxOccurs="1" minOccurs="1" name="remitterId" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="date" type="xs:date"/>
        <xs:element maxOccurs="1" minOccurs="1" name="time" type="xs:time"/>
        <xs:element maxOccurs="1" minOccurs="1" name="sequence" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="processingResponseCode" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="beginProcessTime" type="xs:dateTime"/>
        <xs:element maxOccurs="1" minOccurs="1" name="endProcessTime" type="xs:dateTime"/>
      </xs:sequence>
    </xs:complexType>
  </xs:element>

<xs:element name="body">
    <xs:complexType>
      <xs:choice maxOccurs="unbounded" minOccurs="0">
        <xs:element ref="addToFraudList"/>
        <xs:element ref="removeFromFraudList"/>
      </xs:choice>
    </xs:complexType>
  </xs:element>

<!-- Error details for error response file -->
  <xs:element name="error-details" type="xs:string"/>

<xs:element name="end">
    <xs:complexType>
      <xs:attribute name="nbRecord" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>  

<xs:element name="addToFraudList">
    <xs:complexType>
      <xs:all>
        <xs:element maxOccurs="1" minOccurs="1" name="merchantId" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListType" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListLevel" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListElementType" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListElementValue" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="officeBatchResponseCode" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="0" name="responseCode" type="xs:string"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

  
  <xs:element name="removeFromFraudList">
    <xs:complexType>
      <xs:all>
        <xs:element maxOccurs="1" minOccurs="1" name="merchantId" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListType" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListLevel" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListElementType" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="fraudListElementValue" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="1" name="officeBatchResponseCode" type="xs:string"/>
        <xs:element maxOccurs="1" minOccurs="0" name="responseCode" type="xs:string"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

</xs:schema>

wallet service XSD

Request file

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified">

<xs:element name="file">
    <xs:complexType>
      <xs:sequence>
        <xs:element ref="header" />
        <xs:element ref="body" />
        <xs:element ref="end" />
      </xs:sequence>
      <xs:attribute name="type" type="xs:string" use="required" fixed="request" />
      <xs:attribute name="format" type="xs:string" use="required"/>
      <xs:attribute name="version" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

<xs:element name="header">
    <xs:complexType>
      <xs:all>
        <xs:element name="remitterId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="date" type="xs:date" maxOccurs="1" minOccurs="1"/>
        <xs:element name="time" type="xs:time" maxOccurs="1" minOccurs="1"/>
        <xs:element name="sequence" type="xs:string" maxOccurs="1" minOccurs="1"/>
      </xs:all>
    </xs:complexType>
  </xs:element>

  <xs:element name="body">
    <xs:complexType>
      <xs:choice minOccurs="0" maxOccurs="unbounded">
        <xs:element ref="addCard" />
        <xs:element ref="addDirectDebit" />
        <xs:element ref="deletePaymentMean" />
        <xs:element ref="updatePaymentMean" />
        <xs:element ref="signOff" />
        <xs:element ref="addIssuerWallet" />
      </xs:choice>
    </xs:complexType>
  </xs:element>

<xs:element name="addCard">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardExpiryDate" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="cardNumber" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="addDirectDebit">
    <xs:complexType>
      <xs:all>
        <xs:element name="customerAccount" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="customerBankCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="mandateId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionActors" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="deletePaymentMean">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="1"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="updatePaymentMean">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="signOff">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="addIssuerWallet">
 <xs:complexType>
  <xs:all>
   <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
   <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
   <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="1"/>
   <xs:element name="issuerWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
   <xs:element name="issuerWalletType" type="xs:string" maxOccurs="1" minOccurs="1"/>
  </xs:all>
  <xs:attribute name="recordSequence" type="xs:string" use="required" />
 </xs:complexType>
</xs:element>

  <xs:element name="end">
    <xs:complexType>
      <xs:attribute name="nbRecord" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

</xs:schema>

Response file

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified">

<xs:element name="file">
    <xs:complexType>
      <xs:sequence>
        <xs:element ref="header" />
        <xs:element ref="error-details" minOccurs="0" />
        <xs:element ref="body" minOccurs="0" />
        <xs:element ref="end" />
      </xs:sequence>
      <xs:attribute name="type" type="xs:string" use="required" fixed="response" />
      <xs:attribute name="format" type="xs:string" use="required"/>
      <xs:attribute name="version" type="xs:string" use="required"/>
    </xs:complexType>
  </xs:element>

<xs:element name="header">
    <xs:complexType>
      <xs:sequence>
        <xs:element name="remitterId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="date" type="xs:date" maxOccurs="1" minOccurs="1"/>
        <xs:element name="time" type="xs:time" maxOccurs="1" minOccurs="1"/>
        <xs:element name="sequence" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="processingResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="beginProcessTime" type="xs:dateTime" maxOccurs="1" minOccurs="1"/>
        <xs:element name="endProcessTime" type="xs:dateTime" maxOccurs="1" minOccurs="1"/>
      </xs:sequence>
    </xs:complexType>
  </xs:element>

  <xs:element name="body">
    <xs:complexType>
      <xs:choice minOccurs="0" maxOccurs="unbounded">
        <xs:element ref="addCard" />
        <xs:element ref="addDirectDebit" />
        <xs:element ref="deletePaymentMean" />
        <xs:element ref="updatePaymentMean" />
        <xs:element ref="signOff" />
        <xs:element ref="addIssuerWallet" />
      </xs:choice>
    </xs:complexType>
  </xs:element>

  <!-- Error details for error response file -->
  <xs:element name="error-details" type="xs:string" />

<xs:element name="end">
    <xs:complexType>
      <xs:attribute name="nbRecord" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>  

<xs:element name="addCard">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="cardExpiryDate" type="xs:string" maxOccurs="1" minOccurs="1"/>

<xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="walletCreationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:element name="addDirectDebit">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"/>

        <xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="transactionActors" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="walletCreationDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="deletePaymentMean">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="1"/>

<xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="walletActionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>        
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="updatePaymentMean">
    <xs:complexType>
      <xs:all>
        <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="0"/>


        <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="walletActionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>  
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

<xs:element name="signOff">
      <xs:complexType>
        <xs:all>
         <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>

<xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
        <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="0"/>
        <xs:element name="walletActionDateTime" type="xs:string" maxOccurs="1" minOccurs="0"/>  
      </xs:all>
      <xs:attribute name="recordSequence" type="xs:string" use="required" />
    </xs:complexType>
  </xs:element>

  <xs:complexType name="walletPaymentMeanData">
    <xs:all>
      <xs:element name="maskedPan" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="panExpiryDate" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="paymentMeanBrand" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
      <xs:element name="transactionActors" type="xs:string" maxOccurs="1" minOccurs="0"></xs:element>
    </xs:all>
  </xs:complexType>

<xs:element name="addIssuerWallet">
<xs:complexType>
  <xs:all>
   <!-- REQUEST -->
         <xs:element name="merchantId" type="xs:string" maxOccurs="1" minOccurs="1"/>
         <xs:element name="merchantWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
         <xs:element name="paymentMeanAlias" type="xs:string" maxOccurs="1" minOccurs="1"/>
         <xs:element name="issuerWalletId" type="xs:string" maxOccurs="1" minOccurs="1"/>
         <xs:element name="issuerWalletType" type="xs:string" maxOccurs="1" minOccurs="1"/>
   <!-- RESPONSE -->
         <xs:element name="paymentMeanId" type="xs:string" maxOccurs="1" minOccurs="0"/>
         <xs:element name="officeBatchResponseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
         <xs:element name="responseCode" type="xs:string" maxOccurs="1" minOccurs="1"/>
         <xs:element name="walletCreationDateTime" type="xs:string" maxOccurs="1" minOccurs="1"/>        
  </xs:all>
  <xs:attribute name="recordSequence" type="xs:string" use="required" />
</xs:complexType>
</xs:element>

</xs:schema>