worldnet_tps 0.1.0

checksums.yaml

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+SHA1:
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+  data.tar.gz: 63ec12b8d6595be24fc5e4374ae03fc4a7c70f2a
+SHA512:
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data/.gitignore

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+*.gem
+*.rbc
+.bundle
+.config
+.yardoc
+Gemfile.lock
+InstalledFiles
+_yardoc
+coverage
+doc/
+lib/bundler/man
+pkg
+rdoc
+spec/reports
+test/tmp
+test/version_tmp
+tmp

data/.rvmrc

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+rvm ruby-2.2.0@worldnet_tps --create

data/.travis.yml

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+sudo: false
+language: ruby
+rvm:
+  - 2.3.0
+
+

data/Gemfile

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+source 'https://rubygems.org'
+
+# Specify your gem's dependencies in worldnettps.gemspec
+gemspec
+group :test do
+  # (MIT) Record your test suite's HTTP interactions and replay them during future test runs for fast, deterministic, accurate tests.
+  gem 'vcr'
+  gem 'webmock'
+end

data/LICENSE.txt

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+Copyright (c) 2013 Igor Fedoronchuk
+
+MIT License
+
+Permission is hereby granted, free of charge, to any person obtaining
+a copy of this software and associated documentation files (the
+"Software"), to deal in the Software without restriction, including
+without limitation the rights to use, copy, modify, merge, publish,
+distribute, sublicense, and/or sell copies of the Software, and to
+permit persons to whom the Software is furnished to do so, subject to
+the following conditions:
+
+The above copyright notice and this permission notice shall be
+included in all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
+EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
+MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
+NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE
+LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION
+OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION
+WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

data/README.md

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+# Worldnettps
+
+ Ruby API client for World Net TPS gateway, http://worldnettps.com/
+
+## Installation
+
+Add this line to your application's Gemfile:
+
+    gem 'worldnettps'
+
+And then execute:
+
+    $ bundle
+
+Or install it yourself as:
+
+    $ gem install worldnet_tps
+
+## Usage
+
+
+```ruby
+
+gateway  =  WorldnetTps::Gateway.new(currency: 'USD',
+                                    gateway: :worldnet,
+                                    terminal_id: 6003,
+                                    environment: :sandbox,
+                                    shared_secret: 'sandboxUSD')
+                                    
+
+card_attributes = {
+  card_number: '4000060000000006',
+  card_type: 'VISA',
+  card_expiry: '1234', #december 2034
+  cvv: '111',
+  card_holder_name: 'John Doe',
+  merchant_ref: 'worldnet_tps.gem'
+}
+opearation = gateway.secure_card_registration(card_attributes)
+
+result = operation.update! #or operation.create! for new credit card
+
+operation.response.body
+#=> "<?xml version=\"1.0\" encoding=\"UTF-8\"?>\r\n<SECURECARDUPDATERESPONSE><MERCHANTREF>worldnet_tps.gem</MERCHANTREF><CARDREFERENCE>2967539209767734</CARDREFERENCE><DATETIME>15-12-2016:15:03:56:521</DATETIME><HASH>70d9929284120c01075eb19e9e1e9fcc</HASH></SECURECARDUPDATERESPONSE>"
+
+operation.request.body
+#=> "<?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<SECURECARDUPDATE>\n  <MERCHANTREF>worldnet_tps.gem</MERCHANTREF>\n  <TERMINALID>6003</TERMINALID>\n  <DATETIME>10-12-2016:12:00:00:000</DATETIME>\n  <CARDNUMBER>5001650000000000</CARDNUMBER>\n  <CARDEXPIRY>1234</CARDEXPIRY>\n  <CARDTYPE>MASTERCARD</CARDTYPE>\n  <CARDHOLDERNAME>John Doe</CARDHOLDERNAME>\n  <HASH>92b659e02301af239ec925373f9c3bb7</HASH>\n  <CVV>111</CVV>\n</SECURECARDUPDATE>\n"
+
+```
+
+## Worldnet TPS Documentation
+
+  https://docs.worldnettps.com/doku.php?id=developer:integrator_guide
+
+TODO: 
+ - XML Requests with eDCC
+ - Dynamic Descriptors 
+ - Pre-Authorisation 
+ - Unreferenced Refunds
+ - XML validation against XSD schema
+
+## Contributing
+
+
+
+1. Fork it
+2. Create your feature branch (`git checkout -b my-new-feature`)
+3. Commit your changes (`git commit -am 'Add some feature'`)
+4. Push to the branch (`git push origin my-new-feature`)
+5. Create new Pull Request

data/Rakefile

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+require "bundler/gem_tasks"
+require "rspec/core/rake_task"
+
+RSpec::Core::RakeTask.new(:spec)
+
+task default: :spec

data/lib/worldnet_tps.rb

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+require 'worldnet_tps/version'
+require 'active_support'
+require 'active_support/core_ext'
+require 'active_support/core_ext/class/attribute'
+require 'active_support/hash_with_indifferent_access'
+require 'digest/md5'
+require 'worldnet_tps/const'
+require 'worldnet_tps/ws_object'
+require 'worldnet_tps/gateway'
+module WorldnetTps
+
+end

data/lib/worldnet_tps/const.rb

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+module WorldnetTps
+  module Const
+    #TERMINALTYPE Y The type of the terminal:
+    TERM_MOTO = 1
+    TERM_INTERNET = 2 #- eCommerce
+
+    #TRANSACTIONTYPE Y Normally:
+    TRANS_MOTO = 4 #MOTO (Mail Order/Telephone Order)
+    TRANS_INTERNET = 7 #eCommerce
+    #Recurring Payment Flagging:
+    # Specify that this transaction is recurring.
+    # This must be accompanied by the RECURRINGTXNREF field or have special permission granted by the Gateway.
+    # Not all processors support this transaction type and consultation with the integration team should be carried out
+    # prior to configuring recurring payment flagging.
+    TRANS_RECURRING = 2
+    #For First Data Latvia terminal MOTO transactions:
+    # 4 - Telephone Order
+    TRANS_TELEPHONE = 4
+    # 9 - Mail Order
+    TRANS_MAIL = 9
+
+    #If sending XID & CAVV from non-WorldNet
+    #MPI on an Internet transaction use:
+    TRANS_NOT_APPLICABLE = 0
+    TRANS_SINGLE = 1
+    #TRANS_RECURRING = 2 (already defined)
+    TRANS_INSTALLMENT = 3
+    TRANS_UNKNOWN = 4
+    TRANS_3D_SECURED = 5
+    #Secure transaction
+
+    #•6 - The merchant attempted to authenticate the cardholder,
+    # but the cardholder cannot or does not participate in 3D-Secure.
+    TRANS_NO_3D_SECURED = 6
+    #7 - Transaction when payment data was transmitted using SSL
+    TRANS_ENCRYPTED = 7
+    #8 - Transaction in the clear, or Non
+    TRANS_IN_CLEAR_OR_NON = 8
+
+    SECURECARD = 'SECURECARD'.freeze
+  end
+end

data/lib/worldnet_tps/gateway.rb

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+require_relative 'request/secure_card/registration'
+require_relative 'request/secure_card/removal'
+require_relative 'request/secure_card/search'
+require_relative 'request/payment'
+require_relative 'request/refund'
+
+module WorldnetTps
+  class Gateway
+
+    attr_reader :gateway, :environment, :terminal_id, :shared_secret, :currency
+
+    PRODUCTION_ENVS = [:production, :live]
+
+    def initialize(attributes)
+      @gateway = attributes.fetch(:gateway)
+      @environment = attributes.fetch(:environment)
+      @terminal_id = attributes.fetch(:terminal_id)
+      @shared_secret = attributes.fetch(:shared_secret)
+      @currency = attributes.fetch(:currency)
+    end
+
+    def is_test?
+      !is_live?
+    end
+
+    def is_live?
+      PRODUCTION_ENVS.include? self.environment
+    end
+
+    def secure_card_removal(merchant_ref, card_reference)
+      Request::SecureCard::Removal.new(self, merchant_ref, card_reference)
+    end
+
+    def secure_card_search(merchant_ref)
+      Request::SecureCard::Search.new(self, merchant_ref)
+    end
+
+    def secure_card_registration(attributes = {})
+      Request::SecureCard::Registration.new(self, attributes)
+    end
+
+    def refund(attributes = {})
+      Request::Refund.new(self, attributes)
+    end
+
+    def payment(attributes = {})
+      Request::Payment.new(self, attributes)
+    end
+
+    def endpoint
+      @endpoint ||= begin
+        domain = case gateway.to_s.downcase
+          when 'cashflows'
+            'cashflows.worldnettps.com'
+          else
+            'payments.worldnettps.com'
+        end
+        domain = "test#{domain}" if is_test?
+        "https://#{domain}"
+      end
+    end
+
+    #
+    #todo: validate agains xsd
+    #
+    def ws_url
+      "#{self.endpoint}/merchant/xmlpayment"
+    end
+
+  end
+end

data/lib/worldnet_tps/gateway.xsd

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+<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified" attributeFormDefault="unqualified">
+  <xs:element name="ORDERID">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="12"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="TERMINALID">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="AMOUNT" type="xs:double"/>
+  <xs:element name="DATETIME">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="TRACKDATA">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="16"/>
+        <xs:maxLength value="256"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="APPLEPAYLOAD">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="128"/>
+        <xs:maxLength value="20480"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ANDROIDPAYLOAD">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="128"/>
+        <xs:maxLength value="20480"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CARDNUMBER">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="10"/>
+        <xs:maxLength value="40"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ENCRYPTEDTRACK">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="32"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="KSN">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="5"/>
+        <xs:maxLength value="20"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="FORMATID">
+    <xs:simpleType>
+      <xs:restriction base="xs:integer">
+        <xs:enumeration value="1"/>
+        <xs:enumeration value="3"/>
+        <xs:enumeration value="7"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CARDTYPE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CARDEXPIRY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:length value="4"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CARDHOLDERNAME">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="HASH">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:length value="32"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CURRENCY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:length value="3"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="AUTOREADY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="1"/>
+        <xs:enumeration value="Y"/>
+        <xs:enumeration value="N"/>
+        <xs:enumeration value="C"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="EMAIL">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CVV">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="3"/>
+        <xs:maxLength value="4"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ISSUENO">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="2"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ADDRESS1">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ADDRESS2">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="POSTCODE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="BILLTOFIRSTNAME">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="60"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="BILLTOLASTNAME">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="60"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="AVSONLY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="1"/>
+        <xs:enumeration value="Y"/>
+        <xs:enumeration value="N"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="DESCRIPTION">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="1024"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="XID">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CAVV">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="MPIREF">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="20"/>
+        <xs:maxLength value="20"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="MERCHANTREF">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="48"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CARDREFERENCE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="40"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="MOBILENUMBER">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="10"/>
+        <xs:maxLength value="20"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <!--
+   The type of terminal used for the transaction
+           1 = MOTO (Mail Order/Telephone Order)
+           2 = Internet (Card Not Present automatic transaction
+               3 = Card Holder Present
+  -->
+  <xs:element name="TERMINALTYPE">
+    <xs:simpleType>
+      <xs:restriction base="xs:int">
+        <xs:enumeration value="1"/>
+        <xs:enumeration value="2"/>
+        <xs:enumeration value="3"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <!--
+   The transaction type
+          0 = not applicable
+          1 = Single transaction
+          2 = Recurring transaction
+          3 = Installment payment
+          4 = MoTo (To) transaction
+          5 = Fully authenticated transaction 3D Secure txn
+          6 = The merchant attempted to authenticate the cardholder, but the cardholder cannot or does not participate in 3D-Secure.
+          7 = Transaction when payment data was transmitted using SSL encryption, or Channel Encrypted
+          8 = Transaction in the clear, or Non Secure
+          9 = Mo transaction
+
+  -->
+  <xs:element name="TRANSACTIONTYPE">
+    <xs:simpleType>
+      <xs:restriction base="xs:int">
+        <xs:enumeration value="0"/>
+        <xs:enumeration value="1"/>
+        <xs:enumeration value="2"/>
+        <xs:enumeration value="3"/>
+        <xs:enumeration value="4"/>
+        <xs:enumeration value="5"/>
+        <xs:enumeration value="6"/>
+        <xs:enumeration value="7"/>
+        <xs:enumeration value="8"/>
+        <xs:enumeration value="9"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="DEVICEID">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="64"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="PHONE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="6"/>
+        <xs:maxLength value="20"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="COUNTRY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="2"/>
+        <xs:maxLength value="2"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CITY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="128"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="REGION">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="128"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="IPADDRESS">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="7"/>
+        <xs:maxLength value="15"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:simpleType name="UID">
+    <xs:restriction base="xs:string">
+      <xs:minLength value="10"/>
+      <xs:maxLength value="10"/>
+    </xs:restriction>
+  </xs:simpleType>
+  <xs:element name="UNIQUEREF" type="UID"/>
+  <xs:element name="SIGNATURE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="4"/>
+        <xs:maxLength value="1600"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CUSTOMFIELD">
+    <xs:complexType>
+      <xs:simpleContent>
+        <xs:extension base="xs:string">
+          <xs:attribute name="NAME" type="xs:string"/>
+        </xs:extension>
+      </xs:simpleContent>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="PAYMENT">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:choice minOccurs="1" maxOccurs="1">
+          <xs:element ref="TRACKDATA"/>
+          <xs:element ref="CARDNUMBER"/>
+          <xs:element ref="DUKPTCARDDETAILS"/>
+          <xs:element ref="APPLEPAYLOAD"/>
+          <xs:element ref="ANDROIDPAYLOAD"/>
+        </xs:choice>
+        <xs:element ref="CARDTYPE"/>
+        <xs:element ref="CARDEXPIRY" minOccurs="0"/>
+        <xs:element ref="CARDHOLDERNAME" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="FOREIGNCURRENCYINFORMATION" minOccurs="0"/>
+        <xs:element ref="TERMINALTYPE"/>
+        <xs:element ref="TRANSACTIONTYPE"/>
+        <xs:element ref="AUTOREADY" minOccurs="0"/>
+        <xs:element ref="EMAIL" minOccurs="0"/>
+        <xs:element ref="CVV" minOccurs="0"/>
+        <xs:element ref="ISSUENO" minOccurs="0"/>
+        <xs:element ref="ADDRESS1" minOccurs="0"/>
+        <xs:element ref="ADDRESS2" minOccurs="0"/>
+        <xs:element ref="POSTCODE" minOccurs="0"/>
+        <xs:element ref="BILLTOFIRSTNAME" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="BILLTOLASTNAME" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="AVSONLY" minOccurs="0"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="XID" minOccurs="0"/>
+        <xs:element ref="CAVV" minOccurs="0"/>
+        <xs:element ref="MPIREF" minOccurs="0"/>
+        <xs:element ref="MOBILENUMBER" minOccurs="0"/>
+        <xs:element ref="DEVICEID" minOccurs="0"/>
+        <xs:element ref="PHONE" minOccurs="0"/>
+        <xs:element ref="CITY" minOccurs="0"/>
+        <xs:element ref="REGION" minOccurs="0"/>
+        <xs:element ref="COUNTRY" minOccurs="0"/>
+        <xs:element ref="IPADDRESS" minOccurs="0"/>
+        <xs:element ref="SIGNATURE" minOccurs="0"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="30"/>
+        <xs:element name="RECURRINGTXNREF" type="UID" minOccurs="0" maxOccurs="1"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="RESPONSECODE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="2"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="RESPONSETEXT">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="30"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="APPROVALCODE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="20"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="BANKRESPONSECODE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="2"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="AUTHORIZEDAMOUNT" type="xs:double"/>
+  <xs:element name="AVSRESPONSE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="10"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CVVRESPONSE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="10"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="PAYMENTRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="UNIQUEREF" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="APPROVALCODE"/>
+        <xs:element ref="BANKRESPONSECODE" minOccurs="0"/>
+        <xs:element ref="AUTHORIZEDAMOUNT" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="AVSRESPONSE" minOccurs="0"/>
+        <xs:element ref="CVVRESPONSE" minOccurs="0"/>
+        <xs:element ref="PROCESSINGTERMINAL" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ERRORSTRING">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="1024"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ERRORCODE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="5"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ERROR">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ERRORCODE" minOccurs="0"/>
+        <xs:element ref="ERRORSTRING"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <!--  This should be used to identify who did the refund  -->
+  <xs:element name="OPERATOR">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="128"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="REASON">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="256"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="PAREFERENCENUMBER">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="64"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="REFUND">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:choice minOccurs="1" maxOccurs="1">
+          <xs:element ref="UNIQUEREF"/>
+          <xs:element ref="ORDERID"/>
+        </xs:choice>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="OPERATOR"/>
+        <xs:element ref="REASON"/>
+        <xs:element ref="AUTOREADY" minOccurs="0"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="REFUNDRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:choice minOccurs="1" maxOccurs="1">
+          <xs:element ref="UNIQUEREF"/>
+          <xs:element ref="ORDERID"/>
+        </xs:choice>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="PROCESSINGTERMINAL" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="CARDBIN">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="6"/>
+        <xs:maxLength value="12"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="BASEAMOUNT" type="xs:double"/>
+  <xs:element name="GETCARDCURRENCYRATE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="CARDBIN"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="BASEAMOUNT" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="TERMINALCURRENCY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="3"/>
+        <xs:maxLength value="3"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CARDCURRENCY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="3"/>
+        <xs:maxLength value="3"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="CONVERSIONRATE" type="xs:double"/>
+  <xs:element name="EXCHANGERATESOURCENAME">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="MARGINRATEPERCENTAGE" type="xs:double"/>
+  <xs:element name="COMMISSIONPERCENTAGE" type="xs:double"/>
+  <xs:element name="FOREIGNAMOUNT" type="xs:double"/>
+  <xs:element name="CARDCURRENCYRATERESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="TERMINALCURRENCY"/>
+        <xs:element ref="CARDCURRENCY"/>
+        <xs:element ref="CONVERSIONRATE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="EXCHANGERATESOURCENAME"/>
+        <xs:element ref="MARGINRATEPERCENTAGE"/>
+        <xs:element ref="COMMISSIONPERCENTAGE"/>
+        <xs:element ref="FOREIGNAMOUNT" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="CARDAMOUNT" type="xs:double"/>
+  <xs:element name="FOREIGNCURRENCYINFORMATION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="CARDCURRENCY"/>
+        <xs:element ref="CARDAMOUNT"/>
+        <xs:element ref="CONVERSIONRATE"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="DUKPTCARDDETAILS">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ENCRYPTEDTRACK"/>
+        <xs:element ref="KSN"/>
+        <xs:element ref="FORMATID"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="PREAUTH">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:choice>
+          <xs:element ref="CARDNUMBER"/>
+        </xs:choice>
+        <xs:element ref="CARDTYPE"/>
+        <xs:element ref="CARDEXPIRY" minOccurs="0"/>
+        <xs:element ref="CARDHOLDERNAME" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="FOREIGNCURRENCYINFORMATION" minOccurs="0"/>
+        <xs:element ref="TERMINALTYPE"/>
+        <xs:element ref="TRANSACTIONTYPE"/>
+        <xs:element ref="EMAIL" minOccurs="0"/>
+        <xs:element ref="CVV" minOccurs="0"/>
+        <xs:element ref="ISSUENO" minOccurs="0"/>
+        <xs:element ref="ADDRESS1" minOccurs="0"/>
+        <xs:element ref="ADDRESS2" minOccurs="0"/>
+        <xs:element ref="POSTCODE" minOccurs="0"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="CITY" minOccurs="0"/>
+        <xs:element ref="REGION" minOccurs="0"/>
+        <xs:element ref="COUNTRY" minOccurs="0"/>
+        <xs:element ref="IPADDRESS" minOccurs="0"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="30"/>
+        <xs:element name="RECURRINGTXNREF" type="UID" minOccurs="0" maxOccurs="1"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="PREAUTHRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="UNIQUEREF" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="BANKRESPONSECODE" minOccurs="0"/>
+        <xs:element ref="APPROVALCODE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="AVSRESPONSE" minOccurs="0"/>
+        <xs:element ref="CVVRESPONSE" minOccurs="0"/>
+        <xs:element ref="PROCESSINGTERMINAL" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="PREAUTHCOMPLETION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:choice minOccurs="1" maxOccurs="1">
+          <xs:element ref="UNIQUEREF"/>
+          <xs:element ref="ORDERID"/>
+        </xs:choice>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="FOREIGNCURRENCYINFORMATION" minOccurs="0"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="CVV" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="PREAUTHCOMPLETIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="UNIQUEREF" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="APPROVALCODE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="AVSRESPONSE" minOccurs="0"/>
+        <xs:element ref="CVVRESPONSE" minOccurs="0"/>
+        <xs:element ref="PROCESSINGTERMINAL" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="DONTCHECKSECURITY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="1"/>
+        <xs:enumeration value="Y"/>
+        <xs:enumeration value="N"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="SECURECARDREGISTRATION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="CARDNUMBER"/>
+        <xs:element ref="CARDEXPIRY"/>
+        <xs:element ref="CARDTYPE"/>
+        <xs:element ref="CARDHOLDERNAME"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="DONTCHECKSECURITY" minOccurs="0"/>
+        <xs:element ref="CVV" minOccurs="0"/>
+        <xs:element ref="ISSUENO" minOccurs="0"/>
+        <xs:element ref="PERMITTEDTERMINALS" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="3"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECURECARDREGISTRATIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="CARDREFERENCE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECURECARDREMOVAL">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="CARDREFERENCE"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECURECARDREMOVALRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECURECARDUPDATE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="CARDNUMBER" minOccurs="0"/>
+        <xs:element ref="CARDEXPIRY" minOccurs="0"/>
+        <xs:element ref="CARDTYPE"/>
+        <xs:element ref="CARDHOLDERNAME" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="DONTCHECKSECURITY" minOccurs="0"/>
+        <xs:element ref="CVV" minOccurs="0"/>
+        <xs:element ref="ISSUENO" minOccurs="0"/>
+        <xs:element ref="PERMITTEDTERMINALS" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="3"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECURECARDUPDATERESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="CARDREFERENCE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECURECARDSEARCH">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="PERMITTEDTERMINALSREQUIRED" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECURECARDSEARCHRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="CARDREFERENCE"/>
+        <xs:element ref="CARDTYPE"/>
+        <xs:element ref="CARDEXPIRY"/>
+        <xs:element ref="CARDHOLDERNAME"/>
+        <xs:element ref="PERMITTEDTERMINALS" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="NAME">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="256"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="PERIODTYPE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:enumeration value="DAILY"/>
+        <xs:enumeration value="WEEKLY"/>
+        <xs:enumeration value="FORTNIGHTLY"/>
+        <xs:enumeration value="MONTHLY"/>
+        <xs:enumeration value="QUARTERLY"/>
+        <xs:enumeration value="YEARLY"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="LENGTH" type="xs:unsignedInt"/>
+  <xs:element name="SKIPPERIODCOUNT" type="xs:unsignedInt"/>
+  <xs:element name="RECURRINGAMOUNT" type="xs:double"/>
+  <xs:element name="INITIALAMOUNT" type="xs:double"/>
+  <xs:element name="TYPE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:enumeration value="AUTOMATIC"/>
+        <xs:enumeration value="MANUAL"/>
+        <xs:enumeration value="AUTOMATIC (WITHOUT AMOUNTS)"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ONUPDATE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:enumeration value="CONTINUE"/>
+        <xs:enumeration value="UPDATE"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ONDELETE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:enumeration value="CONTINUE"/>
+        <xs:enumeration value="CANCEL"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ADDSTOREDSUBSCRIPTION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="NAME"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="PERIODTYPE"/>
+        <xs:element ref="LENGTH"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="RECURRINGAMOUNT" minOccurs="0"/>
+        <xs:element ref="INITIALAMOUNT" minOccurs="0"/>
+        <xs:element ref="TYPE"/>
+        <xs:element ref="ONUPDATE"/>
+        <xs:element ref="ONDELETE"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="30"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ADDSTOREDSUBSCRIPTIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="UPDATESTOREDSUBSCRIPTION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="NAME"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="LENGTH"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="RECURRINGAMOUNT" minOccurs="0"/>
+        <xs:element ref="INITIALAMOUNT" minOccurs="0"/>
+        <xs:element ref="TYPE"/>
+        <xs:element ref="ONUPDATE"/>
+        <xs:element ref="ONDELETE"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="30"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="UPDATESTOREDSUBSCRIPTIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="DELETESTOREDSUBSCRIPTION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="DELETESTOREDSUBSCRIPTIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="STOREDSUBSCRIPTIONREF">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="SECURECARDMERCHANTREF">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="SECUREACHACCOUNTMERCHANTREF">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="48"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="STARTDATE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="10"/>
+        <xs:maxLength value="10"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ENDDATE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="10"/>
+        <xs:maxLength value="10"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="EDCCDECISION">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="1"/>
+        <xs:enumeration value="Y"/>
+        <xs:enumeration value="N"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="NEWSTOREDSUBSCRIPTIONINFO">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="NAME"/>
+        <xs:element ref="DESCRIPTION"/>
+        <xs:element ref="PERIODTYPE"/>
+        <xs:element ref="LENGTH"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="RECURRINGAMOUNT" minOccurs="0"/>
+        <xs:element ref="INITIALAMOUNT" minOccurs="0"/>
+        <xs:element ref="TYPE"/>
+        <xs:element ref="ONUPDATE"/>
+        <xs:element ref="ONDELETE"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ADDSUBSCRIPTION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="STOREDSUBSCRIPTIONREF" minOccurs="0"/>
+        <xs:element ref="SECURECARDMERCHANTREF" minOccurs="0"/>
+        <xs:element ref="CARDREFERENCE" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="RECURRINGAMOUNT" minOccurs="0"/>
+        <xs:element ref="INITIALAMOUNT" minOccurs="0"/>
+        <xs:element ref="STARTDATE"/>
+        <xs:element ref="ENDDATE" minOccurs="0"/>
+        <xs:element ref="EDCCDECISION" minOccurs="0"/>
+        <xs:element ref="NEWSTOREDSUBSCRIPTIONINFO" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="30"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ADDSUBSCRIPTIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="UPDATESUBSCRIPTION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="SECURECARDMERCHANTREF" minOccurs="0"/>
+        <xs:element ref="CARDREFERENCE" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="NAME" minOccurs="0"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="LENGTH" minOccurs="0"/>
+        <xs:element ref="SKIPPERIODCOUNT" minOccurs="0"/>
+        <xs:element ref="RECURRINGAMOUNT" minOccurs="0"/>
+        <xs:element ref="STARTDATE" minOccurs="0"/>
+        <xs:element ref="ENDDATE" minOccurs="0"/>
+        <xs:element ref="EDCCDECISION" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="30"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="UPDATESUBSCRIPTIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="DELETESUBSCRIPTION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="DELETESUBSCRIPTIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="CANCELSUBSCRIPTION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="CANCELSUBSCRIPTIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SUBSCRIPTIONREF">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="SUBSCRIPTIONPAYMENT">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="SUBSCRIPTIONREF"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="FOREIGNCURRENCYINFORMATION" minOccurs="0"/>
+        <xs:element ref="EMAIL" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="CUSTOMFIELD" minOccurs="0" maxOccurs="30"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SUBSCRIPTIONPAYMENTRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="UNIQUEREF" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="APPROVALCODE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="CARDDETAILS">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="CARDTYPE"/>
+        <xs:element ref="CARDNUMBER"/>
+        <xs:element ref="CARDEXPIRY"/>
+        <xs:element ref="CARDHOLDERNAME"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="UNREFERENCEDREFUND">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:choice minOccurs="1" maxOccurs="1">
+          <xs:element ref="CARDREFERENCE"/>
+          <xs:element ref="CARDDETAILS"/>
+        </xs:choice>
+        <xs:element ref="CURRENCY" minOccurs="0"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="EMAIL" minOccurs="0"/>
+        <xs:element ref="AUTOREADY" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="OPERATOR"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="ADDRESS1" minOccurs="0"/>
+        <xs:element ref="CITY" minOccurs="0"/>
+        <xs:element ref="REGION" minOccurs="0"/>
+        <xs:element ref="POSTCODE" minOccurs="0"/>
+        <xs:element ref="COUNTRY" minOccurs="0"/>
+        <xs:element ref="BILLTOFIRSTNAME" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="BILLTOLASTNAME" minOccurs="0" maxOccurs="1"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="UNREFERENCEDREFUNDRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:choice minOccurs="1" maxOccurs="1">
+          <xs:element ref="UNIQUEREF"/>
+          <xs:element ref="ORDERID"/>
+        </xs:choice>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="PROCESSINGTERMINAL" minOccurs="0" maxOccurs="1"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <!--  VoiceID & Payment related elements  -->
+  <xs:element name="VOICEIDREQUEST">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="MOBILENUMBER"/>
+        <xs:element ref="EMAIL"/>
+        <xs:element ref="VOICEIDPAYMENT" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="VOICEIDRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="VOICEIDPAYMENT">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="CURRENCY"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="FXCURRENCY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="3"/>
+        <xs:maxLength value="3"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="GETFXCURRENCYRATE">
+    <xs:complexType>
+      <xs:sequence>
+        <!-- Terminal ID -->
+        <xs:element ref="TERMINALID"/>
+        <!-- Currency -->
+        <xs:element ref="FXCURRENCY"/>
+        <!-- Amount in fxCurrency -->
+        <xs:element ref="BASEAMOUNT" minOccurs="0"/>
+        <!-- Current Time -->
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="FXCURRENCYRATERESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <!-- Terminal currency -->
+        <xs:element ref="TERMINALCURRENCY"/>
+        <!-- Gets from request -->
+        <xs:element ref="FXCURRENCY"/>
+        <!-- Rate -->
+        <xs:element ref="CONVERSIONRATE"/>
+        <!-- Result amount -->
+        <xs:element ref="FOREIGNAMOUNT" minOccurs="0"/>
+        <!-- Current server time -->
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="FROMSTATUS">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:enumeration value="READY"/>
+        <xs:enumeration value="PENDING"/>
+        <xs:enumeration value="REFERRAL"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="TOSTATUS">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:enumeration value="READY"/>
+        <xs:enumeration value="PENDING"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="TRANSACTIONUPDATE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="UNIQUEREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="OPERATOR"/>
+        <xs:element ref="FROMSTATUS"/>
+        <xs:element ref="TOSTATUS"/>
+        <xs:element ref="APPROVALCODE" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="TRANSACTIONUPDATERESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="UNIQUEREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="PROCESSINGTERMINAL">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="SPINSALE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="SPINCODE"/>
+        <xs:element ref="SAFECODE"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SPINCODE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="9"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="SAFECODE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="3"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="PAYMENTID">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="REFUNDID">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="SPINSALERESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="PAYMENTID"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SPINREFUND">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="PAYMENTID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="REASON" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SPINREFUNDRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="REFUNDID"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ACH_ACCOUNT">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="17"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_ACCOUNT_TYPE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:enumeration value="CHECKING"/>
+        <xs:enumeration value="SAVINGS"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_FIRST_NAME">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="100"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_LAST_NAME">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="100"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_ADDRESS1">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:maxLength value="200"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_ADDRESS2">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:maxLength value="200"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_CITY">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:maxLength value="50"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_STATE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:maxLength value="2"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_ZIP">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:maxLength value="10"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_PHONE_NUMBER">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:maxLength value="10"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACHREFERENCE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="0"/>
+        <xs:maxLength value="17"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_SECURE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="1"/>
+        <xs:enumeration value="Y"/>
+        <xs:enumeration value="N"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_SEC_CODE">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:enumeration value="WEB"/>
+        <xs:enumeration value="TEL"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_TERMINALID">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="10"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_CHECK_NUMBER">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="15"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACH_NOTIFICATION_URL">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="1024"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+  <xs:element name="ACHSALE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="ACH_TERMINALID" minOccurs="0"/>
+        <xs:element ref="ACH_SEC_CODE"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="ACH_SECURE"/>
+        <xs:element ref="ACH_CHECK_NUMBER" minOccurs="0"/>
+        <xs:element ref="ACH_ACCOUNT" minOccurs="0"/>
+        <xs:element ref="ACH_ACCOUNT_TYPE" minOccurs="0"/>
+        <xs:element ref="ACH_FIRST_NAME" minOccurs="0"/>
+        <xs:element ref="ACH_LAST_NAME" minOccurs="0"/>
+        <xs:element ref="ACH_ADDRESS1" minOccurs="0"/>
+        <xs:element ref="ACH_ADDRESS2" minOccurs="0"/>
+        <xs:element ref="ACH_CITY" minOccurs="0"/>
+        <xs:element ref="ACH_STATE" minOccurs="0"/>
+        <xs:element ref="ACH_ZIP" minOccurs="0"/>
+        <xs:element ref="ACH_PHONE_NUMBER" minOccurs="0"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="ACH_NOTIFICATION_URL" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ACHSALERESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="UNIQUEREF"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ACHDECLINE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="ACH_TERMINALID" minOccurs="0"/>
+        <xs:element ref="ACH_SEC_CODE"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="ACH_SECURE"/>
+        <xs:element ref="ACH_CHECK_NUMBER" minOccurs="0"/>
+        <xs:element ref="ACH_ACCOUNT" minOccurs="0"/>
+        <xs:element ref="ACH_ACCOUNT_TYPE" minOccurs="0"/>
+        <xs:element ref="ACH_FIRST_NAME" minOccurs="0"/>
+        <xs:element ref="ACH_LAST_NAME" minOccurs="0"/>
+        <xs:element ref="ACH_ADDRESS1" minOccurs="0"/>
+        <xs:element ref="ACH_ADDRESS2" minOccurs="0"/>
+        <xs:element ref="ACH_CITY" minOccurs="0"/>
+        <xs:element ref="ACH_STATE" minOccurs="0"/>
+        <xs:element ref="ACH_ZIP" minOccurs="0"/>
+        <xs:element ref="ACH_PHONE_NUMBER" minOccurs="0"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="ACH_NOTIFICATION_URL" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ACHDECLINERESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="UNIQUEREF"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ACHREFUND">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="UNIQUEREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="CURRENCY"/>
+        <xs:element name="REFUND_AMOUNT" type="xs:double"/>
+        <xs:element name="REFUND_REASON" type="xs:string"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="ACH_NOTIFICATION_URL" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ACHREFUNDRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="UNIQUEREF"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECUREACHREGISTRATION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="ACH_TERMINALID" minOccurs="0"/>
+        <xs:element ref="ACH_SEC_CODE" minOccurs="0"/>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="ACH_ACCOUNT"/>
+        <xs:element ref="ACH_ACCOUNT_TYPE"/>
+        <xs:element ref="ACH_FIRST_NAME"/>
+        <xs:element ref="ACH_LAST_NAME"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="ACH_ADDRESS1" minOccurs="0"/>
+        <xs:element ref="ACH_ADDRESS2" minOccurs="0"/>
+        <xs:element ref="ACH_CITY" minOccurs="0"/>
+        <xs:element ref="ACH_STATE" minOccurs="0"/>
+        <xs:element ref="ACH_ZIP" minOccurs="0"/>
+        <xs:element ref="ACH_PHONE_NUMBER" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECUREACHREGISTRATIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="ACHREFERENCE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECUREACHUPDATE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="ACH_TERMINALID" minOccurs="0"/>
+        <xs:element ref="ACH_SEC_CODE" minOccurs="0"/>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="ACHREFERENCE"/>
+        <xs:element ref="ACH_ACCOUNT"/>
+        <xs:element ref="ACH_ACCOUNT_TYPE"/>
+        <xs:element ref="ACH_FIRST_NAME"/>
+        <xs:element ref="ACH_LAST_NAME"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="ACH_ADDRESS1" minOccurs="0"/>
+        <xs:element ref="ACH_ADDRESS2" minOccurs="0"/>
+        <xs:element ref="ACH_CITY" minOccurs="0"/>
+        <xs:element ref="ACH_STATE" minOccurs="0"/>
+        <xs:element ref="ACH_ZIP" minOccurs="0"/>
+        <xs:element ref="ACH_PHONE_NUMBER" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECUREACHUPDATERESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="ACHREFERENCE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECUREACHDELETION">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="ACHREFERENCE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECUREACHDELETIONRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECUREACHSEARCH">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="ACHREFERENCE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SECUREACHSEARCHRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="ACHREFERENCE"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ADDSUBSCRIPTIONACH">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="STOREDSUBSCRIPTIONREF" minOccurs="0"/>
+        <xs:element ref="SECUREACHACCOUNTMERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="RECURRINGAMOUNT" minOccurs="0"/>
+        <xs:element ref="INITIALAMOUNT" minOccurs="0"/>
+        <xs:element ref="STARTDATE"/>
+        <xs:element ref="ENDDATE" minOccurs="0"/>
+        <xs:element ref="NEWSTOREDSUBSCRIPTIONINFO" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="ADDSUBSCRIPTIONACHRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="UPDATESUBSCRIPTIONACH">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="SECUREACHACCOUNTMERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="NAME" minOccurs="0"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="LENGTH" minOccurs="0"/>
+        <xs:element ref="SKIPPERIODCOUNT" minOccurs="0"/>
+        <xs:element ref="RECURRINGAMOUNT" minOccurs="0"/>
+        <xs:element ref="STARTDATE" minOccurs="0"/>
+        <xs:element ref="ENDDATE" minOccurs="0"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="UPDATESUBSCRIPTIONACHRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SUBSCRIPTIONACHPAYMENT">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="SUBSCRIPTIONREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="AMOUNT"/>
+        <xs:element ref="DESCRIPTION" minOccurs="0"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="SUBSCRIPTIONACHPAYMENTRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="ORDERID"/>
+        <xs:element ref="UNIQUEREF"/>
+        <xs:element ref="RESPONSECODE"/>
+        <xs:element ref="RESPONSETEXT"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="DELETESUBSCRIPTIONACH">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="DELETESUBSCRIPTIONACHRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="CANCELSUBSCRIPTIONACH">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="TERMINALID"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="CANCELSUBSCRIPTIONACHRESPONSE">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="MERCHANTREF"/>
+        <xs:element ref="DATETIME"/>
+        <xs:element ref="HASH"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="PERMITTEDTERMINALS">
+    <xs:complexType>
+      <xs:sequence>
+        <xs:element ref="TERMINALID" minOccurs="0" maxOccurs="unbounded"/>
+      </xs:sequence>
+    </xs:complexType>
+  </xs:element>
+  <xs:element name="PERMITTEDTERMINALSREQUIRED">
+    <xs:simpleType>
+      <xs:restriction base="xs:string">
+        <xs:minLength value="1"/>
+        <xs:maxLength value="1"/>
+        <xs:enumeration value="Y"/>
+        <xs:enumeration value="N"/>
+      </xs:restriction>
+    </xs:simpleType>
+  </xs:element>
+</xs:schema>