As bandeiras Mastercard, Visa e Elo possuem um programa de Operadoras de carteiras Digitais Escalonadas (SDWO), consulte aqui Carteiras digitais escalonada (SDWO).
Exemplo de Requisição
<transaction-request> <version>3.1.1.15</version> <verification> <merchantId>{{merchantId}}</merchantId> <merchantKey>{{merchantKey}}</merchantKey> </verification> <order> <sale> <!-- 3DS --> <authentication> <mpiProcessorID>xxxx</mpiProcessorID> <onFailure>decline</onFailure> <challengePreference>NO_PREFERENCE</challengePreference> </authentication> <device> <colorDepth>1</colorDepth> <deviceType3ds>BROWSER</deviceType3ds> <javaEnabled>true</javaEnabled> <language>BR</language> <screenHeight>550</screenHeight> <screenWidth>550</screenWidth> <timeZoneOffset>3</timeZoneOffset> </device> <!-- MCC --> <paymentFacilitatorID>249171</paymentFacilitatorID> <independentSalesOrganizationID>1234567</independentSalesOrganizationID> <itemList itemCount='1'> <item> <itemIndex>1</itemIndex> <sellerMcc>1342</sellerMcc> <sellerId>a1234</sellerId> <sellerAddress>Teste endereço</sellerAddress> <sellerCity>Teste cidade</sellerCity> <sellerState>SP</sellerState> <sellerCountry>BR</sellerCountry> <sellerCep>10948876</sellerCep> <sellerTaxId>12345678901234</sellerTaxId> </item> </itemList> <payment> <currencyCode>BRL</currencyCode> <productType>Service</productType> <chargeTotal>9.00</chargeTotal> <softDescriptor>mx5</softDescriptor> </payment> <!-- Wallet/SDWO--> <wallet> <sdwo> <id>1234567890</id> <processingType>Cash-in/Purchase</processingType> <senderTaxIdentification>11122233344</senderTaxIdentification> <paymentDestination>04</paymentDestination> <businessApplicationIdentifier>01</businessApplicationIdentifier> <merchantTaxId>11122233344455</merchantTaxId> <receiverData> <firstName>Jose</firstName> <lastName>Silva</lastName> <taxIdNumber>31412311177</taxIdNumber> <walletAccountIdentification>342432409</walletAccountIdentification> </receiverData> <sdwo> </wallet> <processorID>xx</processorID> <referenceNum>Order-001</referenceNum> <ipAddress>127.0.0.1</ipAddress> <billing> <id>0</id> <name>Fulano</name> <address>Rua Pedro Luiz</address> <address2>Casa</address2> <city>Guarulhos</city> <state>SP</state> <postalcode>00000-000</postalcode> <country>Brasil</country> <phone>(11) 96478-0404</phone> <email>fuano.silva@maxipago.com</email> </billing> <shipping> <id>0</id> <name>Fulano</name> <address>Rua Pedro Luiz</address> <address2>Casa</address2> <city>Guarulhos</city> <state>SP</state> <postalcode>00000-000</postalcode> <country>Brasil</country> <phone>(11) 96478-0404</phone> <email>fulano.silva@maxipago.com</email> </shipping> <transactionDetail> <payType> <creditCard> <number>5221834791042066</number> <expMonth>12</expMonth> <expYear>2030</expYear> <cvvNumber>999</cvvNumber> <tokenCryptogram>aaaaaaaaaaaaaaaaaaa</tokenCryptogram> <storageCard>2</storageCard> <credentialId>02</credentialId> </creditCard> </payType> </transactionDetail> <customerIdExt>888.058.830-34</customerIdExt> <userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent> </sale> <clientData> <comments>JavaPlugin v1.1</comments> </clientData> </order> </transaction-request>
Exemplo de Retorno com Falha
<?xml version="1.0" encoding="UTF-8" standalone="yes"?> <api-error> <errorCode>1</errorCode> <errorMsg> <![CDATA[Schema validation for the vertical SA for the incoming transaction xml failed. Reason Parser Error: URI=null Line=1: cvc-enumeration-valid: Value '1' is not facet-valid with respect to enumeration '[Cash-in, Purchase]'. It must be a value from the enumeration.]]> </errorMsg> </api-error>