Worldline Payment Interface

Version: 2.3 | Revision #1

1 Overview
- 1.1 What's New
- 1.2 Revision History
2 Interface Structure
3 Interface Description
4 Data Dictionary
- 4.1 Request Data
- 4.2 Response Data
5 Payment Solution Implementation

1 Overview

The Worldline Payment Interface (WPI) is an Android intent-based interface that enables easy and fast integration with payment apps. It is designed to allow additional business applications to execute payments on any Worldline offered SmartPOS device. A SmartPOS device is a payment device that runs Android.

All Worldline Payment Solutions support WPI, which means that business applications that use this interface can run everywhere without any change of code. This makes it easy for developers to build payment apps that are compatible with a wide range of payment devices and payment protocols.

The WPI interface is built on top of the Android Intent mechanism, which allows different parts of an app to communicate with each other in a structured way. By using intents to trigger payment-related actions, the WPI interface simplifies the payment integration process and makes it easier for developers to build business applications on top of Payment Solutions.

1.1 What's New

Interface structure:
- Meta-data for supported WPI versions
Financial functional extensions
- Financial request fields added:
  - multiAccountIndex
  - accessibility
- Financial response fields added:
  - reference (missing from previous versions)
  - multiAccountIndex
  - onlineTokenSource
  - externalTransactionIdentifierSource
- Refund request
  - rateReferenceIdentifier and originalTransactionDate added
Information functional extensions
- Response fields added:
  - supportsMultiAccount
  - supportedMultiAccountServiceTypes
  - multiAccountSelectionList
Data Dictionary
- Clarification on a receipt with Multi-Account support added
- Request Data updated
  - Accessibility item added
- Response Data updated
  - Account item added
  - Description for onlineTokenSource added
  - Description for externalTransactionIdentifierSource added
- New Error Conditions added
  - WPI_ERR_COND_CARD_REMOVED
  - WPI_ERR_COND_CARD_ALREADY_INSERTED

1.2 Revision History

Revision #1
- Document Creation

2 Interface Structure

The WPI provides a set of intents that developers can use to build apps that work with the interface. The following table lists each intent, along with its purpose:

Type	Category	Intent	Purpose
Financial	Display Action	com.worldline.payment.action.PROCESS_TRANSACTION	Process a financial transaction
Management	Display Action	com.worldline.payment.action.PROCESS_MANAGEMENT	Trigger payment solution managed actions
Information	Background Action	com.worldline.payment.action.PROCESS_INFORMATION	Background management of payment solution specific information

We have two type of categories for the Interface

Display Actions : These actions start the payment solution that are processing financial transactions or require user interaction.
- Android intents are used
Background Actions : These actions perform background processing that doesn't require user interaction.
- Messenger service is used
- The Message.what attribute of the Messenger Service should be set to the code 895349 for any WPI message.
- The Message.obj should be a bundle formatted just like the WPI Extras.
- Those extras are being transported through a different mean but the same structure and rules applies .

2.1 Versioning

The WPI uses versioning with the format Y.X (e.g., 1.0 , 2.1 ) to track and manage different releases of our software. Additionally, each revision within a minor version is assigned a unique number, such as " 3.2 Revision #9 ."

Y (Major Version): Signifies a significant milestone with potential breaking changes. Example: a version 2.x request cannot be used with version 1.x .
X (Minor Version): Represents a release with new features or improvements that are backward compatible within the same major version. Example: a version 1.1 must remain compatible with the version 1.0 .
Revision Number: Each revision is assigned a unique number, indicating the specific iteration of a minor version (e.g., " 3.2 Revision #9 "). Revisions mainly include small fixes, updates, and improvements. They address minor bugs or add slight enhancements/clarifications.

2.2 Extras

An extra in Android intents is a way to pass additional data or parameters to another component in order to provide more context or information for the requested action. In WPI we have extras for request and response. The request extras needs to be provided by the Business Application that is using the interface and the response extra is provided by the Payment Solution.

Request

Extra	Description	Type	Condition
WPI_SERVICE_TYPE	Specify the subtype of action to be executed	String	Mandatory
WPI_REQUEST	The request contains JSON structured data mandatory for given service type, in some specific cases this field is not given or empty	String	Mandatory for Financial Optional for Management
WPI_VERSION	Used WPI version	String	Mandatory
WPI_SESSION_ID	Used as an identifier of a WPI exchange (a request/response) between a client application and a payment application. Is used to recover the status of the exchange in case of an unexpected failure. Is provided by the client and is part of the response. The session id : must be unique must be part of the response must not be reused for subsequent requests (except for the last transaction request as it is used to do the recovery) Any business application should store the WPI_SESSION_ID before sending the intent. Due to this the business application can do a recovery with the last transaction function to check the outcome of the previous transaction in case that the business application has crashed.	String	Mandatory

Response

Extra	Description	Type	Condition
WPI_SERVICE_TYPE	Specify the subtype of action that was executed	String	Conditional Mandatory for all service types except WPI_SVC_LAST_TRANSACTION (please refer to 3.3.1 Last Transaction)
WPI_RESPONSE	The response contains JSON structured data processed for the requested service type	String	Conditional Mandatory for all service types except WPI_SVC_LAST_TRANSACTION (please refer to 3.3.1 Last Transaction)
WPI_VERSION	Used WPI version	String	Mandatory
WPI_SESSION_ID	Identifier of a WPI exchange provided by the client.	String	Mandatory

2.2.1 Service Types

Each intent has several service types that specify the request. Payment Solution shall support all mandatory service types as listed below in Condition column.

2.2.1.1 Financial

Service Type	Purpose	Condition
WPI_SVC_PAYMENT	Used to perform a simple sale transaction	Mandatory
WPI_SVC_CANCEL_PAYMENT	Used to reverse a previous transaction	Mandatory
WPI_SVC_REFUND	Used to refund a previous transaction	Conditional Mandatory for attended terminals
WPI_SVC_PRE_AUTHORIZATION	Used to perform a pre-authorization	Optional
WPI_SVC_CANCEL_PRE_AUTHORIZATION	Used to cancel a previous pre-authorization	Conditional Mandatory if WPI_SVC_PRE_AUTHORIZATION is supported
WPI_SVC_UPDATE_PRE_AUTHORIZATION	Used to increment a previous pre-authorization	Conditional Mandatory if WPI_SVC_PRE_AUTHORIZATION is supported
WPI_SVC_CANCEL_UPDATE_PRE_AUTHORIZATION	Used to cancel the previous update of a pre-authorization	Conditional Mandatory if WPI_SVC_PRE_AUTHORIZATION is supported
WPI_SVC_PAYMENT_COMPLETION	Used to complete a pre-authorization	Conditional Mandatory if WPI_SVC_PRE_AUTHORIZATION is supported
WPI_SVC_CANCEL_PAYMENT_COMPLETION	Used to cancel the completed pre-authorization	Conditional Mandatory if WPI_SVC_PRE_AUTHORIZATION is supported
WPI_SVC_DEFERRED_PAYMENT_AUTHORIZATION	Used to execute a deferred payment authorization (energy solution use-case)	Optional
WPI_SVC_DEFERRED_PAYMENT_COMPLETION	Used to execute a deferred payment completion of a previous authorization(energy solution use-case)	Conditional Mandatory if WPI_SVC_DEFERRED_PAYMENT_AUTHORIZATION is supported
WPI_SVC_PAYMENT_INSTRUMENT_RECOGNITION	Used to do a payment card of non payment card recognition request without performing a real transaction (token)	Optional
WPI_SVC_FOLLOW_ON_CREDIT	Used to do a referenced based credit transaction based on a previous transaction.	Optional
WPI_SVC_FOLLOW_ON_PAYMENT	Used to do a referenced based payment transaction based on a previous transaction.	Optional
WPI_SVC_CANCEL_UNREFERENCED	To reverse a transaction without providing the original transaction reference.	Optional
WPI_SVC_PHONE_AUTHORIZED	To perform a payment with authorization code obtained via Voice Referral	Optional
WPI_SVC_FORCE_ACCEPTANCE	To perform a payment where merchant accepts the risk of accepting transaction regardless of authorization result.	Optional

2.2.1.2 Management

Service Type	Purpose	Condition
WPI_SVC_PAYMENT_MENU	Used to open the payment solution menu	Conditional Mandatory if the feature is supported by Payment Solution
WPI_SVC_DAY_END	Used to upload the transactions (online and offline) to perform the final settlement.	Conditional Mandatory if the feature is supported by Payment Solution
WPI_SVC_PAYMENT_PARAMETERIZATION	Used to fetch the latest payment solution configuration from the payment solution related configuration system.	Conditional Mandatory if the feature is supported by Payment Solution
WPI_SVC_ACQUIRER_PARAMETERIZATION	Used to fetch the latest acquirer parameters from the acquirer	Conditional Mandatory if the feature is supported by Payment Solution
WPI_SVC_PRINT_RECEIPT	Used for receipt printing	Conditional Mandatory if given Payment Solution supports receipt handling (via printing or digitalization)
WPI_SVC_ABORT	Used to abort an ongoing transaction	Conditional Mandatory if the feature is supported by Payment Solution
WPI_SVC_LAST_DAY_END	Used to get the last day end transaction performed by the terminal	Conditional Mandatory if WPI_SVC_DAY_END is supported

2.2.1.3 Information

Service Type	Purpose	Condition
WPI_SVC_LAST_TRANSACTION	Used to return the last transaction result	Mandatory
WPI_SVC_PAYMENT_INFORMATION	Used to retrieve the payment solution information especially which service types are supported.	Mandatory

2.3 Meta-data for Supported WPI versions

In the Worldline Payment Interface (WPI), it is essential for third-party applications to be aware of the supported versions of the WPI to ensure compatibility and proper functionality. To facilitate this, the WPI provides a mechanism for payment providers to declare the supported versions through meta-data in their Android manifest files.

2.3.1 Android Manifest meta-data (Payment Solution)

To declare the supported WPI versions, Payment providers must include the following meta-data entry in their AndroidManifest.xml like in the example :

android:name : This attribute specifies the key for the meta-data entry. In this case, it is set to "com.worldline.payment.metadata.WPI_SUPPORTED_VERSIONS" , which uniquely identifies the meta-data related to the supported WPI versions.
android:value : This attribute contains a string that lists the different WPI versions supported by the payment provider, separated by commas. For example, the value "1.0,2.0,2.1,2.2,2.3" indicates that the application supports WPI versions 1.0, 2.0, 2.1, 2.2, 2.3. Each version is specified without additional spaces, allowing for easy parsing and retrieval.
meta-data: Should be added at application level, an example for Service information is shown above to highlight that meta-data shouldn't be added to the service intent.

Business Applications that need to check the supported WPI versions by the payment provider can retrieve this meta-data using the ' Package manager ' from android request.

3 Interface Description

Please refer to Data Dictionary section for detailed description of individual fields.

3.1 Financial

Each financial transaction has a minimum set of fields that needs to be there per service type. In the subsequent chapters this is described in detail.

The response contains the following fields, unless specific service types describe their own response content later in this section.

Response :

Field Name	Type	Condition
result	String	Mandatory
errorCondition	String	Mandatory
reference	String	Conditional Mandatory for transactions that sent reference in the request
remark	String	Conditional Mandatory for failed transactions
actionCode	String	Conditional Mandatory for successful transactions
timestamp	String (ISO 8601)	Conditional Mandatory for successful transactions
currency	String	Conditional Mandatory for successful transactions
authorizedAmount	Integer	Conditional Mandatory for successful transactions
customerLanguage	String	Conditional Mandatory for successful transactions
brandName	String (pre-defined 4.2.11 Brand Name)	Conditional Mandatory for successful transactions
applicationIdentifier	String	Conditional Mandatory for successful transactions in which a payment card was used
applicationLabel	String	Conditional Mandatory for successful transactions in which a payment card was used
receipt	Object (5.2.5 Receipt)	Conditional Mandatory for successful transactions Optional for failed transactions if supported by given Payment Solution
paymentSolutionReference	String	Conditional Mandatory for successful transactions
externalTransactionIdentifier	String	Optional
externalTransactionIdentifierSource	String (pre-defined 4.2.18 Payment Service Provider)	Conditional Mandatory if externalTransactionIdentifier is present in the response
acquirerIdentifier	String	Conditional Mandatory for successful transactions
merchantIdentifier	String	Mandatory
terminalIdentifier	String	Mandatory
authorizationCode	String	Conditional Mandatory for successful transactions
cashbackAmount	Integer	Conditional Mandatory if cashback amount is provided in the request
tipAmount	Integer	Conditional Mandatory if tip is supported by the Payment Solution and tip amount is either entered by the cardholder during transaction or provided in the request
dccUsed	Boolean	Conditional Mandatory if DCC is supported by the Payment Solution
dccOffered	Boolean	Conditional Mandatory if DCC is supported by the Payment Solution
dccAmount	Integer	Conditional Mandatory if DCC is supported by the Payment Solution
dccCurrency	String	Conditional Mandatory if DCC is supported by the Payment Solution
dccExchangeRate	String	Conditional Mandatory if DCC is supported by the Payment Solution
entryMode	String (pre-defined 4.2.7 Supported Technologies)	Conditional Mandatory for successful transactions in which a payment card was used and if cardDataInput not present in the response
authorizationMode	String (pre-defined 4.2.10 Authorization Mode)	Conditional Mandatory for successful transactions
pan	String	Conditional Mandatory for successful transactions in which a payment card was used
token	String	Optional
onlineToken	String	Optional
onlineTokenSource	String (pre-defined 4.2.19 Token Service Provider)	Conditional Mandatory if onlineToken is present in the response
expiryDate	String	Conditional Mandatory for successful transactions in which a payment card was used
cardholderVerificationMethod	String (pre-defined 4.2.13 Cardholder Verification Method	Conditional Mandatory for successful transactions in which a payment card was used
cardDataInput	String (pre-defined 4.2.12 Card Data Input)	Conditional Mandatory for successful transactions
surchargeAmount	Integer	Optional
voiceReferralPhoneNumber	String	Conditional Mandatory if errorCondition = WPI_ERR_COND_VOICE_REFERRAL_REQUIRED returned
phoneAuthorized	Boolean	Conditional Mandatory for successful transactions
forcedAcceptance	Boolean	Conditional Mandatory for successful transactions
productSelection	Object ( 4.2.16 Product Selection item )	Conditional Mandatory for successful transactions that were completed with Product Selection
multiAccountIndex	Integer	Conditional Mandatory if Multi-account is enabled and was sent in transactionRequest.

3.1.1 Payment

Service Type : WPI_SVC_PAYMENT

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
tipAmount	Integer	Optional
cashbackAmount	Integer	Optional
reference	String	Optional
customerLanguage	String	Optional
useManualPanKeyEntry	Boolean	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional
productSelection	Object ( 4.2.16 Product Selection item )	Optional Used in the case of Product Selection
multiAccountIndex	Integer	Optional Used in the case of a Multi-account transaction to identify which account should be reimbursed. The index should be one of the accounts from the multiAccountSelectionList
accessibility	Object ( 4.1.4 Accessibility Item )	Optional Used in transactions where accessibility features need to be enabled in payment provider.

3.1.1.1 Payment with Product Selection

This use case is handled by the nominal payment use case. In case the payment provider brands have products active ( e.g meal vouchers, eco vouchers, consumption voucher, etc) the user (usually Merchant) can select them in the business application and send it using the productSelection field. This field is an Object containing the product provider and the identifier of the product used by the payment provider. The information about voucher providers and voucher types is provided by the payment solution information.

3.1.2 Cancellation

The cancellation is also known as reversal. The cancellation can be executed for several service types, the cancellation service type depends on the initial service type and needs to be set and used correctly by the business application.

Service Type : WPI_SVC_CANCEL_PAYMENT, WPI_SVC_CANCEL_PRE_AUTHORIZATION, WPI_SVC_CANCEL_UPDATE_PRE_AUTHORIZATION, WPI_SVC_CANCEL_PAYMENT_COMPLETION

Request :

Field Name	Type	Condition
paymentSolutionReference	String	Mandatory
customerLanguage	String	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional

3.1.3 Unreferenced Cancellation

An Unreferenced cancellation, is a card-present transaction, that enables the cancellation of a transaction without requiring the original transaction reference. The payment provider reads the card and presents the user with a list of matching transactions that can be reversed, allowing the user to select from them. If the values provided in mandatory fields (currency,requestedAmount) are not recognized by payment solution backend WPI_ERR_COND_INVALID_TRANSACTION_REQ is returned.

Service Type : WPI_SVC_CANCEL_UNREFERENCED

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
reference	String	Optional
customerLanguage	String	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional
accessibility	Object ( 4.1.4 Accessibility Item )	Optional Used in the case of accessibility enabled transactions

3.1.4 Refund

Service Type : WPI_SVC_REFUND

Request :

Field Name	Type	Condition
accessibility	Object ( 4.1.4 Accessibility Item )	Optional Used in the case of accessibility enabled transactions
currency	String	Mandatory
customerLanguage	String	Optional
multiAccountIndex	Integer	Optional Used in the case of a Multi-account transaction to identify which account should be reimbursed. The index should be one of the accounts from the multiAccountSelectionList
originalTransactionDate	String	Optional
rateReferenceIdentifier	String	Optional
receiptDelegation	Boolean	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptWidth	Integer	Optional
reference	String	Optional
requestedAmount	Integer	Mandatory
useManualPanKeyEntry	Boolean	Optional

3.1.5 Pre-authorization

Service Type : WPI_SVC_PRE_AUTHORIZATION

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
reference	String	Optional
customerLanguage	String	Optional
useManualPanKeyEntry	Boolean	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional
accessibility	Object ( 4.1.4 Accessibility Item )	Optional Used in the case of accessibility enabled transactions

3.1.6 Update Pre-authorization

This service is used to increase the pre-authorization amount, which involves specifying the requested amount for the increment. The reference of pre-authorization is provided through the paymentSolutionReference , which will be use to make the update pre-authorization. The requestedAmount is just the amount that shall be incremented, not the total one .

Service Type : WPI_SVC_UPDATE_PRE_AUTHORIZATION

Request :

currency	String	Mandatory
requestedAmount	Integer	Mandatory
paymentSolutionReference	String	Mandatory
reference	String	Optional
customerLanguage	String	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional

3.1.7 Payment Completion

To complete a previous pre-authorization the paymentSolutionReference has to be used. The final amount should be equal to or less than the total pre-authorization amount (this includes all previous Update pre-authorization calls). If you use a higher amount for the completion, the transaction may not be successful because the higher amount was not reserved - we do not recommend to use higher amounts.

Service Type : WPI_SVC_PAYMENT_COMPLETION

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
paymentSolutionReference	String	Mandatory
reference	String	Optional
customerLanguage	String	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional

3.1.8 Deferred Payment

Deferred payment for petrol transaction processing refers to a payment arrangement where the actual payment for fuel is delayed or postponed until a later time. The transaction is split into two parts: authorization and completion.

Authorization: The first part of the deferred payment process is authorization. When a customer swipes their payment card or provides their payment details at the petrol station, the system checks if the card is valid and has sufficient funds or credit available. This initial authorization ensures that the customer's payment method is valid and can cover the cost of the fuel. However, the actual payment is not processed at this stage.
Completion: The second part of the deferred payment process is completion. After the authorization is successful, the petrol station temporarily reserves the funds or credit limit on the customer's card to cover the estimated cost of the fuel. This reserved amount is typically a pre-authorization hold or pending transaction. The petrol station then dispenses the fuel to the customer.

Later, the petrol station completes the transaction by submitting the final payment request to the customer's bank or credit card company. At this stage, the reserved funds are transferred from the customer's account to the petrol station's account, completing the payment process. The exact timing for completing the authorization may vary depending on the specific payment system and agreements between the petrol station and the customer's financial institution.

The delay between the “Authorization Exchange” and the “Completion Exchange” can be quite long (e.g., in case of tank filling). Therefore, to increase the availability of the terminals using the “Deferred Payment” service, the “Multi-Session” concept is usually configured for performing “Parallel Transactions”. The authorization exchange provides the terminal with an authorized amount as upper limit, and the completion exchange notifies the acquirer of the final amount as actually applicable. The “Deferred Payment” is indifferently meant for attended or unattended terminals.

PSD2 imposes the amount to be present in the request.

3.1.8.1 Authorization

Service Type : WPI_SVC_DEFERRED_PAYMENT_AUTHORIZATION

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
reference	String	Optional
customerLanguage	String	Optional
accessibility	Object ( 4.1.4 Accessibility Item )	Optional Used in the case of accessibility enabled transactions

3.1.8.2 Completion

Service Type : WPI_SVC_DEFERRED_PAYMENT_COMPLETION

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
paymentSolutionReference	String	Mandatory
reference	String	Optional
customerLanguage	String	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional
accessibility	Object ( 4.1.4 Accessibility Item )	Optional Used in the case of accessibility enabled transactions

3.1.9 Payment Instrumentation Recognition

The purpose of the service type is to read the card before actual payment transaction processing is performed (for e.g. to recognize fleet cards) with a single card insertion. This also allows to avoid double tap under the condition the payment instrument is in contactless entry mode. The payment solution needs information about the transaction service type, requested amount, currency and reference that shall be used for the subsequent transaction. There are two possibilities to do a payment instrumentation recognition token retrieval only and card recognition with further payment processing afterwards. The response differs from the standard response as described below.

Service Type : WPI_SVC_PAYMENT_INSTRUMENT_RECOGNITION

Request :

Field Name	Type	Condition
currency	String	Conditional Mandatory in case of payment transaction processing should happen afterwards
requestedAmount	Integer	Conditional Mandatory in case of payment transaction processing should happen afterwards
serviceType	String	Conditional Mandatory in case of payment transaction processing should happen afterwards
cashbackAmount	Integer	Conditional Mandatory in case of payment transaction processing should happen afterwards and cashback amount expected in the subsequent transaction
tipAmount	Integer	Conditional Mandatory in case of payment transaction processing should happen afterwards and tip amount expected in the subsequent transaction
recognitionTimeout	Integer	Mandatory
recognitionOptions	Array	Mandatory
customerLanguage	String	Optional

Response :

Field Name	Type	Condition
result	String	Mandatory
errorCondition	String	Mandatory
entryMode	String	Conditional Mandatory for successful transactions
customerLanguage	String	Conditional Mandatory for successful transactions
isoTrack1	String	Conditional Mandatory in case of magnetic stripe card reading
isoTrack2	String	Conditional Mandatory in case of magnetic stripe card reading
isoTrack3	String	Conditional Mandatory in case of magnetic stripe card reading
token	String	Conditional Mandatory in case of payment card processing
pan	String	Conditional Mandatory in case of payment card processing
mediaType	String	Conditional Mandatory in case of non-payment card processing
mediaUniqueIdentifier	String	Conditional Mandatory in case of non-payment card processing
waitForNextAction	Boolean	Conditional Mandatory for successful transactions
nextActionWaitTime	Integer	Conditional Mandatory for successful transactions

3.1.10 Follow on Credit

Follow on Credit is a card not present transaction which is used to perform the credit transaction with the card data of a previous transaction. paymentSolutionReference is used to identify data necessary to perform follow-up transaction.

Service Type : WPI_SVC_FOLLOW_ON_CREDIT

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
reference	String	Optional
paymentSolutionReference	String	Mandatory
customerLanguage	String	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional

3.1.11 Follow on Payment

Follow on Payment is a card not present transaction which is used to perform the payment transaction with the card data of a previous transaction. paymentSolutionReference is used to identify data necessary to perform follow-up transaction.

Service Type : WPI_SVC_FOLLOW_ON_PAYMENT

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
reference	String	Optional
paymentSolutionReference	String	Mandatory
customerLanguage	String	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional

3.1.12 Phone Authorized

A phone authorized transaction, is a subsequent transaction after there was a refusal with WPI_ERR_COND_VOICE_REFERRAL_REQUIRED error condition returned. Merchant needs to obtain authorization code via Voice Referral procedure performed with phone number provided in voiceReferralPhoneNumber field.

Service Type : WPI_SVC_PHONE_AUTHORIZED

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
authorizationCode	String	Mandatory
reference	String	Optional
customerLanguage	String	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional
multiAccountIndex	Integer	Optional Used in the case of a Multi-account transaction to identify which account should be reimbursed. The index should be one of the accounts from the multiAccountSelectionList
accessibility	Object ( 4.1.4 Accessibility Item )	Optional Used in the case of accessibility enabled transactions

3.1.13 Force Acceptance

A forced acceptance transaction, is a transaction where merchant accepts the risk of payment in relation to an offline transaction.
Service Type : WPI_SVC_FORCE_ACCEPTANCE

Request :

Field Name	Type	Condition
currency	String	Mandatory
requestedAmount	Integer	Mandatory
reference	String	Optional
customerLanguage	String	Optional
useManualPanKeyEntry	Boolean	Optional
receiptFormat	Array (of pre-defined 4.1.1 Receipt Format)	Optional
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional
multiAccountIndex	Integer	Optional Used in the case of a Multi-account transaction to identify which account should be reimbursed. The index should be one of the accounts from the multiAccountSelectionList
accessibility	Object ( 4.1.4 Accessibility Item )	Optional Used in the case of accessibility enabled transactions

3.2 Management

Management actions has an empty request JSON content, except for services that contain a receipt, like Day-End and the parameterizations. The receipt format supported for management actions is FORMATTED (defined in 4.1.1 Receipt Format). If receiptWidth or receiptDelegation values are defined for a management services that does not have a receipt these will be ignored by the payment solution.

The response for every management action contains the following fields

Response :

Field Name	Type	Condition
result	String	Mandatory
errorCondition	String	Mandatory
receipt	Object ( 5.2.5 Receipt)	Conditional - only for Management services that contains a receipt

3.2.1 Payment Menu

This is used to open the payment solution menu to trigger payment solution specific actions.

Service Type : WPI_SVC_PAYMENT_MENU

3.2.2 Day-End

The day-end is used to upload all transactions to the host for the final settlement. As result an receipt is received which contains a transaction summary per brand with no. of transactions and amount since the last day-end (incl. online and offline transactions).

Service Type : WPI_SVC_DAY_END

Request :

Field Name	Type	Condition
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional

Response :

Field Name

Type

Condition

result

String

Mandatory

errorCondition

String

Mandatory

receipt

Object ( 5.2.5 Receipt)

Conditional

Mandatory for successful transactions

3.2.3 Payment Parameterization

The payment configuration is used to synchronize the payment solution specific parameters with the corresponding management system.

Service Type : WPI_SVC_PAYMENT_PARAMETERIZATION

Request :

Field Name	Type	Condition
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional

3.2.4 Acquirer Parameterization

The Acquirer parameterization is used to synchronize with the acquirer system corresponding to the payment solution. This includes brands, limits and any other parameter that is mandatory to process a financial transaction. Multi-Acquirer solutions will do the parameterization synchronization for all acquirers.

Service Type : WPI_SVC_ACQUIRER_PARAMETERIZATION

Request :

Field Name	Type	Condition
receiptDelegation	Boolean	Optional
receiptWidth	Integer	Optional

3.2.5 Print Receipt

This function is intended to provide a compliant receipt by the payment solution. A receipt can be provided in case of

A previous service was successfully executed with a corresponding session ID for this business application
The SESSION_ID of the print receipt request in the Android Extras has to be the previous request SESSION_ID and not a new one
The payment solution supports receipt delivery, for example printing or digital receipt based delivery
Referenced request (by SESSION_ID) has a receipt available

The Android Extras in the response are close to a standard transaction response except for the conditional presence of WPI_RESPONSE. An initial check on this extra property provides information about the existence of the session. If not available the session ID is not existing.

Be aware any payment solution will just store the last SESSION_ID and response per application (package name). This implies that no other WPI requests shall be done before printing the receipt.

Hint: The receipt cannot be provided under the following circumstances:

Circumstance	Description	Error Condition
Paper empty	Receipt cannot be printed as the paper is empty	WPI_ERR_COND_GENERIC
Printer defect	Printer cannot be used to reprint the receipt as it is defect	WPI_ERR_COND_GENERIC
Receipt delivery not available	Neither a printer nor a digital receipt is available, mainly happens in unattended environments. The service type support for print receipt can be checked with the 3.3.2 Payment Solution Information	WPI_ERR_COND_SERVICE_NOT_SUPPORTED
Receipt not available	Not every service type has receipt´s. For example if the referenced service type was WPI_SVC_PAYMENT_INFORMATION no receipt can be printed.	WPI_ERR_COND_GENERIC

Service Type : WPI_SVC_PRINT_RECEIPT

Request :

Field Name	Type	Condition
receiptTarget	String (pre-defined 4.1.3 Receipt Target)	Mandatory

Response:

Field Name	Type	Condition
result	String (pre-defined 4.2.2 Result)	Mandatory
errorCondition	String (pre-defined 4.2.3 Error Condition)	Mandatory
remark	String	Conditional Mandatory for failed transactions

Field Name

Type

Condition

result

String (pre-defined 4.2.2 Result)

Mandatory

errorCondition

String (pre-defined 4.2.3 Error Condition)

Mandatory

remark

String

Conditional

Mandatory for failed transactions

3.2.6 Abort Ongoing Payment

Abort the current ongoing financial transaction. If the transaction was successfully aborted or there was no running transaction WPI_RESULT_SUCCESS will be returned in all other cases WPI_RESULT_FAILURE .

Service Type : WPI_SVC_ABORT

3.2.7 Last Day End Information

Request the receipt information of the last day end performed by the terminal. No printing needed by the payment application.

Service Type : WPI_SVC_LAST_DAY_END

Request :

Field Name	Type	Condition
receiptWidth	Integer	Optional

Response :

Field Name

Type

Condition

result

String

Mandatory

errorCondition

String

Mandatory

receipt

Object ( 4.2.5 Receipt)

Conditional

Mandatory for successful transactions

3.3. Information

Retrieval of Payment Solution specific information that does not require user interaction. There request does not contain any parameter. The response is specific per service type.

3.3.1 Last Transaction

In case of the last transaction response is not known any more it can be requested by this service. It will return the last financial transaction response independent of the result, failed or success. This is a recovery feature as the payment solution will remember the last SESSION_ID as well as corresponding transaction response. The Android Extras are close to a standard transaction response except for the conditional presence of WPI_SERVICE_TYPE & WPI_RESPONSE . An initial check on one of these extra properties can provide information about the existence of the session.

Be aware any payment solution will just store the last response. That implies that no other WPI request shall be done before the recovery.

Service Type : WPI_SVC_LAST_TRANSACTION

Request :

Extra	Description	Type	Condition
WPI_SERVICE_TYPE	Specify the subtype of action to be executed	String	Mandatory
WPI_VERSION	Used WPI version	String	Mandatory
WPI_SESSION_ID	The session id of the requested session NOT a new session id	String	Mandatory

Response:

Extra	Description	Type	Condition
WPI_SERVICE_TYPE	This will be the service type of the recovered transaction not "WPI_SVC_LAST_TRANSACTION"	String	Conditional Mandatory if Session id known by the payment solution and transaction was executed (failure or success)
WPI_RESPONSE	The Financial Payment Response object of the corresponding SESSION_ID	String	Conditional Mandatory if Session id known by the payment solution and transaction was executed (failure or success)
WPI_VERSION	Used WPI version	String	Mandatory
WPI_SESSION_ID	Identifier of a WPI exchange, this session id will be the same as the one sent in the request	String	Mandatory

3.3.2 Payment Solution Implementation

The payment should provide all the required information, in case of a lack or issue of configuration / initialization the response should provide the WPI_ERR_COND_NOT_INITIALIZED as an errorCondition .

Service Type : WPI_SVC_PAYMENT_INFORMATION

Response :

Field Name	Description	Type	Condition
result	Result of the transaction (success or failure)	String (pre-defined 4.2.2 Result)	Mandatory
errorCondition	Specific error reason (see table below)	String (pre-defined 4.2.3 Error Condition)	Mandatory
softwareVersion	Software version of the payment solution	String	Conditional Mandatory for successful transactions
terminalIdentifier	Terminal identifier configured for the payment solution	String	Conditional Mandatory for successful transactions
terminalIdentifierLong	Terminal identifier with additional information that allows to recognize given terminal among different systems	String	Conditional Mandatory for successful transactions
terminalModel	Terminal model of the device	String	Conditional Mandatory for successful transactions
macAddress	MAC Address of used adapter.	String	Conditional Mandatory for successful transactions
supportedLanguages	Languages supported by the payment solution	Array	Conditional Mandatory for successful transactions
cardholderDefaultLanguage	Cardholder language	String	Conditional Mandatory for successful transactions
merchantLanguage	Merchant language	String	Conditional Mandatory for successful transactions
countryCode	Country code of the payment solution	String	Conditional Mandatory for successful transactions
defaultCurrency	Default currency	String	Conditional Mandatory for successful transactions
supportedCurrencies	Currencies the payment solution supports	Array	Conditional Mandatory for successful transactions
shopInfo	Shop information for the used terminal	Object ( 4.2.1 ShopInfo )	Conditional Mandatory for successful transactions
acquirerProtocol	The payment solution protocol used towards the acquirer	String	Conditional Mandatory for successful transactions
supportedTicketFormats	Receipt formats which the payment solution supports	Array	Conditional Mandatory for successful transactions
supportReceiptDelegation	Whether receipt delegation is supported or not.	Boolean	Conditional Mandatory for successful transactions
supportsReceiptWidth	Whether Payment Solution supports setting receipt width by the business application	Boolean	Conditional Mandatory for successful transactions
paymentInformation	Payment information per brand	Array	Conditional Mandatory for successful transactions
paymentSolutionSupportedServiceTypes	Supported services types by the payment solution	Array	Conditional Mandatory for successful transactions
supportsManualPanKeyEntry	Whether manual card data entry through the payment application is supported and enabled or not.	Boolean	Conditional Mandatory for successful transactions
manualPanKeyEntrySupportedServiceTypes	List of payment services types that allow to use manual pan key entry	Array	Conditional Mandatory for successful transactions
supportsTip	Whether tip is supported and enabled or not. Tip is supported when the payment solution has tip processing activated and tipAmount can be send in the WPI request. If Payment Solution supports tip but does not support tipAmount returned via WPI this field should be set to False	Boolean	Conditional Mandatory for successful transactions
supportedProducts	Supported products activated for the terminal (e.g meal vouchers, eco vouchers, etc)	Array	Optional
supportsMultiAccount	Whether the multi-account functionality is supported and is enabled or not. Multi-account is a feature that allows to choose which account should be reimbursed for different transactions. This feature is typically used for places where the same terminal is used by different merchants. (e.g health center)	Boolean	Conditional Mandatory for successful transactions
supportedMultiAccountServiceTypes	List of services types that allow for a Multi-Account transaction.	Array	Conditional Mandatory when supportsMultiAccount enabled
multiAccountSelectionList	A list of account indexes and their corresponding descriptions to choose from. A maximum of ten accounts is sent by the payment solution.	Array( 4.2.17 Account Item)	Conditional Mandatory when supportsMultiAccount enabled

4 Data Dictionary

4.1 Request Data

All data has to be provided as JSON and needs to be provided as WPI_REQUEST extra.

Field Name	Description	Type
authorizationCode	Authorization code from the authorization system for the specific transaction. Used in the request by WPI_SVC_PHONE_AUTHORIZED service type.	String
currency	Currency of the amount. Alpha code value defined in ISO 4217 (e.g. EUR )	String
requestedAmount	Total payment amount as minor unit. The fractional digits are evaluated based in the currency. For example, 11.91€ must be sent as 1191 and the currency as EUR. (Cashback and tip amount is excluded)	Integer
tipAmount	The tip amount to be used as minor unit. This amount has the same currency as the transaction amount. Refer to 5. Tip processing for more information	Integer
originalTransactionDate	Date of original transaction, provided if given Payment Solution requires this information to perform related operation (for e.g. Refund with DCC) The format follows ISO 8601: YYYYMMDD	String
paymentSolutionReference	A previous transaction reference used for subsequent transactions like a Reversal. This value is defined by the payment application and contains all necessary data to perform subsequent transactions. This value can differ based on the payment application and can only be used on the same device.	String
rateReferenceIdentifier	Identifier of the rate used in DCC transaction	String
reference	Reference to be send to the payment solution for reconciliation	String
receiptFormat	To override the default receipt format.	Array (of pre-defined 4.1.1 Receipt Format)
receiptDelegation	This flag is used to deactivate the payment solution receipt handling. Per default the payment solution will take care about the receipt delivery as configured by the corresponding TMS. To deactivate the payment solution specific receipt handling false has to be set. Default: true	Boolean
receiptWidth	The receipt width (characters per line) for the formatted receipt. If the value is not defined the payment solution default one will be used. Please note this field may not be supported by some Payment Solutions and only default width will be available for printing.	Integer
recognitionTimeout	Defines the timeout before an error will be returned in milliseconds	Integer
recognitionOptions	Card recognition options	Array (of pre-defined 4.1.2 Recognition Option)
receiptTarget	Defines the receipt which shall be printed	String (pre-defined 4.1.3 Receipt Target)
cashbackAmount	The cashback amount to be used as minor unit. This amount has the same currency as the transaction amount.	Integer
customerLanguage	Language the payment application shall use towards the cardholder before the card is read and the language is agreed between the terminal and the card. If the language is not supported or not recognized by the payment application the default language of the terminal will be used. Format according to ISO 639-1 (alpha-2 code) Example: en for English	String
useManualPanKeyEntry	Flag that will inform the payment solution to offer manual PAN key entry instead of physical card reading. Default: false	Boolean
productSelection	Identifier of the product used by the payment solution, this is used in the Product Selection use case to inform the payment solution that a user chose to pay with a voucher.	Object ( 4.2.16 Product Selection item )
multiAccountIndex	Index used in the case of a Multi-account transaction to identify which account should be reimbursed.	Integer Should be one of the accounts from the multiAccountSelectionList
accessibility	Contains mandatory settings for enhancing usability for individuals accessibility with needs.	Object ( 4.1.4 Accessibility Item )

4.1.1 Receipt Format

The receipt format defines how to retrieve the receipt. Default is formatted. If an empty array is sent no receipt will be returned. The following values are possible

Value (String)	Purpose
FORMATTED	Return the receipt in a payment response as String (default)
JSON	Return the receipt in a payment response as JSON

4.1.2 Recognition Option

Value (String)	Purpose
WPI_RECOGNITION_OPTION_RETURN_CUSTOMER_TOKEN	Used to create a token for the card that was read
WPI_RECOGNITION_OPTION_RETURN_MIFARE_DETAILS	Used to recognize a non payment card, like MIFARE. The UID and card type will be evaluated

4.1.3 Receipt Target

Value (String)	Purpose
CARDHOLDER	Used to print the cardholder receipt
MERCHANT	Used to print the merchant receipt
BOTH	Used to print the merchant and cardholder receipt one after the other

4.1.4 Accessibility item

Field name	Description	Type	Condition
contrastMode	accepted values: 0 - white on black 1 - black on white 2 - yellow on black	Integer	Mandatory
voiceGuidance	accepted values: 0 - off 1 - on	Integer	Mandatory
volume	accepted values: Integer from 0 to 100	Integer	Mandatory
playbackSpeed	Playback speed in percentage accepted values: integer from 50 to 200 default value should be 100	Integer	Mandatory
displayFontSize	accepted values: 0 - normal 1 - large	Integer	Mandatory

4.2 Response Data

All data has to be provided as JSON and will be provided as WPI_RESPONSE extra.

Field Name	Description	Type
result	Result of the transaction (success or failure)	String (pre-defined 4.2.2 Result)
errorCondition	Specific error reason (see table below)	String (pre-defined 4.2.3 Error Condition)
actionCode	Specific action to be performed by the business application	String (pre-defined 4.2.4 Action Code)
remark	Terminal / transaction specific message for detailed error descriptions. Text provided by payment app in English	String
timestamp	Date and time of the transaction, indicated by the payment application towards the acquirer. Format according to ISO 8601 (extended format) => yyyy-mm-ddThh:mm:ss±hh:mm	String
currency	Currency code of the transaction. Alpha code value defined in ISO 4217 e.g. EUR	String
authorizedAmount	Amount of the transaction, including tip and cashback. The fraction is taken from the currency code. Example: currency = EUR authorizedAmount= 3190 => 31,90 €	Integer
brandIdentifer	Brand specific identifier, also known as AID. This is scheme specific e.g. A0000000041010 is Mastercard	String
brandName	Brand name of used payment card, like Mastercard, Visa, American Express and so on.	String (pre-defined 4.2.11 Brand Name)
customerLanguage	Language used on all screens towards the cardholder after the card is read and the language is agreed between the terminal and the card. The same language can be used while formatting the receipt, unless terminal is configured differently. Format according to ISO 639-1 (alpha-2 code). Example: en for English	String
applicationIdentifier	Payment card application identifier dependent on the used card e.g. for Mastercard A00000041010	String
applicationLabel	Payment card application label, depending on the used card e.g. Mastercard DEBIT	String
receipt	Contains the requested receipts. Depending on the format for more details check the receipt chapter.	Object ( 4.2.5 Receipt)
paymentSolutionReference	Transaction specific and unique identification. This value is defined by the payment application and contains all necessary data to perform subsequent transactions. This value can differ based on the payment application and can only be used on the same device.	String
tipAmount	The tip amount that was entered by the cardholder during the transaction with the payment solution.	Integer
reference	Reference to be send to the payment app for reconciliation. The reference will be the same value as in the request.	String
softwareVersion	Payment Solution software version	String
terminalIdentifier	The terminal identifier configured for the Payment Solution. In case Payment Solution is not properly configured to perform transaction and return this value, empty field shall be returned	String
terminalIdentifierLong	Terminal identifier with additional information that allows to recognize given terminal among different systems. Expected format is as follows: (Platform Identifier)-(Merchant Identifier)-(Platform Terminal identifier) Example (EP2 / Terminal Id: 26106670 / Merchant Id 473573): EP2-473573-26106670	String
supportedLanguages	List of language that are supported Format according to ISO 639-1 (alpha-2 code)	Array
cardholderDefaultLanguage	The configured cardholder default language Format according to ISO 639-1 (alpha-2 code)	String
merchantLanguage	The configured merchant default language Format according to ISO 639-1 (alpha-2 code)	String
countryCode	The country code of the terminal ISO 3166-1 (alpha-2 code)	String
defaultCurrency	The default currency that is configured for the payment solution. Alpha code value defined in ISO 4217 e.g. EUR	String
supportedCurrencies	All currencies that are supported by the payment solution. Alpha code value defined in ISO 4217 e.g. EUR	Array
shopInfo	The shop information of the terminal. Usually these are the first three lines of each receipt.	Object ( 4.2.1 ShopInfo )
acquirerProtocol	The used acquirer protocol by the payment solution, usually this is the official acronym like CTAP.	String (pre-defined 4.2.9 Acquirer Protocol)
supportedTicketFormats	The supported ticket formats by the payment solution	String (pre-defined 4.1.1 Receipt Format)
supportReceiptDelegation	Whether the payment application supports (True) receipt delegation or not (False). Receipt delegation is when any business application asks the payment solution to handle the receipt. Any payment solution can handle the receipt if a printer or a digital solution is available.	Boolean
paymentInformation	Detailed payment solution information per brand & acquirer	Array ( 4.2.6 Payment Information)
paymentSolutionSupportedServiceTypes	The service types supported by the payment solution are independent of the card brand. Each payment solution can support multiple service types, but often not every service type is supported by every card brand.	Array ( 2.1.1.1 Financial Service Types & 2.1.1.2 Management Service Types
supportsManualPanKeyEntry	Wether the payment solution has enabled Manual Pan Key Entry	Booelan
manualPanKeyEntrySupportedServiceTypes	Specify which service types supported by the payment solution allow to perform a manual pan key entry	Array( 2.1.1.1 Financial Service Types )
supportsTip	Whether the payment solution has enabled tip support	Boolean
entryMode	The technology that was used to read the card	String (pre-defined 4.2.7 Supported Technologies)
isoTrack1	ISO track 1 data Payment Solution may return empty field in case of PCI brands (Visa, MasterCard, others)	String
isoTrack2	ISO track 2 data Payment Solution may return empty field in case of PCI brands (Visa, MasterCard, others)	String
isoTrack3	ISO track 3 data Payment Solution may return empty field in case of PCI brands (Visa, MasterCard, others)	String
token	The token of the card PAN / UID (in case of NFC non payment related card) that was read. The token should be an unique value, generated by the payment solution and can be reproduced on the same device. This token is used to identify the customer.	String
onlineToken	The token PAN received by Payment Solution from the payment provider network.	String
onlineTokenSource	Name of a tokenization service that generated a token provided in onlineToken field.	String (pre-defined 4.2.19 Token Service Provider)
pan	PAN of the card (due to PCI regulatory payment card PAN data are always masked except last 4 digits). For whitelisted non payment cards the full PAN the unmasked will be used.	String
expiryDate	Expiry date of payment card, format is YYMM. Numeric according to ISO 8583	String
mediaType	Media type of NFC non payment card. e.g. MIFARE Ultralight	String
mediaUniqueIdentifier	UID of NFC based non payment card	String
waitForNextAction	Whether the payment solution keeps the card in read mode for a subsequent transaction or not	Boolean
nextActionWaitTime	The time how long the card is kept in read mode, in milliseconds	Integer
acquirerIdentifier	The Acquirer Identifier	String
merchantIdentifier	The Merchant Identifier In case Payment Solution is not properly configured to perform transaction and return this value, empty field shall be returned	String
authorizationCode	Authorization code from the authorization system for the specific transaction.	String
dccUsed	Whether DCC was (True) used or not (False) for the transaction.	Boolean
dccOffered	Whether DCC was (True) offered to the cardholder or not (False) for the transaction.	Boolean
dccAmount	The DCC amount of the transaction. In case DCC was not used in given transaction, empty value shall be returned.	Integer
dccCurrency	The DCC currency of the transaction. In case DCC was not used in given transaction, empty value shall be returned. Alpha code value defined in ISO 4217 e.g. EUR	String
dccExchangeRate	The DCC exchange rate of the transaction. In case DCC was not used in given transaction, empty value shall be returned.	String
authorizationMode	Indicating whether the transaction was performed online or offline.	String (pre-defined 4.2.10 Authorization Mode)
cashbackAmount	The cashback amount used in the transaction. (Minor unit)	Integer
cardDataInput	The card data input method	String (pre-defined 4.2.12 Card Data Input)
cardholderVerificationMethod	The cardholder verification method determined during the transaction processing by the payment solution.	String (pre-defined 4.2.13 Cardholder Verification Method)
surchargeAmount	The surcharge amount is added to a transaction to cover the average merchant fees for a transaction. This configuration is done at payment provider level and require an approval of the cardholder. This amount is returned in the response to announce the total amount of the transaction. This is a requirement of Australian market	Integer
supportsReceiptWidth	Whether Payment Solution supports setting receipt width by the business application	Boolean
voiceReferralPhoneNumber	Phone number returned to support Phone Authorized transaction i.e. to perform Voice Referral and obtain authorization code	String
phoneAuthorized	Indicates whether Voice Referral was performed. Shall return True in case of: Phone Authorized service type was initiated OR Voice Referral has been performed by Payment Solution for another service type	Boolean
forcedAcceptance	Indicates whether Forced Acceptance was performed. Shall return True in case of : Force Acceptance service type was requested OR Forced Acceptance was performed by Payment Solution for any other service type.	Boolean
externalTransactionIdentifier	Transaction identifier provided to Payment Solution by the network to support for e.g. Omnichannel use cases	String
externalTransactionIdentifierSource	Name of a service that generated transaction identifier provided in externalTransactionIdentifier field	String (pre-defined 4.2.18 Payment Service Provider)
productSelection	Identifier of the product used by the payment solution, this is used in the Product Selection use case to inform the payment solution that a user chose to pay with a voucher.	Object ( 4.2.16 Product Selection item )
supportedProducts	Supported products activated for the terminal (e.g meal vouchers, eco vouchers, etc). This is a requirement for the BeNeLux region	Array ( 4.2.14 Supported Products Item)
multiAccountIndex	Index used in the case of a Multi-account transaction to identify which account should be reimbursed.	Integer Should be one of the accounts from the multiAccountSelectionList
supportsMultiAccount	Whether the multi-account functionality is supported and is enabled or not. Multi-account is a feature that allows to choose which account should be reimbursed for different transactions. This feature is typically used for places where the same terminal is used by different merchants. (e.g health center)	Boolean
supportedMultiAccountServiceTypes	List of services types that allow for a Multi-Account transaction.	Array
multiAccountSelectionList	A list of account indexes and their corresponding descriptions to choose from. A maximum of ten accounts is sent by the payment solution.	Array( 4.2.17 Account Item)

4.2.1 ShopInfo

Field Name	Description	Type	Condition
address	Address of the shop usually street and number	String	Optional
city	City of the shop	String	Optional
country	Country of the ship	String	Optional
logo	Content provider URI of the logo to be used	String	Optional
name	Name of the shop	String	Optional
zipCode	ZIP code of the shop	String	Optional

4.2.2 Result

Result	Description
WPI_RESULT_SUCCESS	In case of successful transaction
WPI_RESULT_FAILURE	In case of failed transaction

4.2.3 Error Condition

Error Condition	Description
WPI_ERR_COND_NONE	Will always be present if no error occurred
WPI_ERR_COND_SERVICE_NOT_SUPPORTED	The requested service type is not supported by the Payment Application/Service
WPI_ERR_COND_ABORTED	The initiator of the request has sent an abort request, which was accepted and processed.
WPI_ERR_COND_BUSY	The Payment Application/Service is busy. Try later.
WPI_ERR_COND_CARD_READ_ERR	The payment application was not able to read the card. Either due to inconsistent data or wrong card handling.
WPI_ERR_COND_CARD_REMOVED	Card was removed during transaction processing
WPI_ERR_COND_CARD_ALREADY_INSERTED	Card is already inserted when transaction started
WPI_ERR_COND_USER_CANCEL	The user has aborted the transaction
WPI_ERR_COND_USER_TIMEOUT	A timeout occurred while waiting for user interaction.
WPI_ERR_COND_HOST_REFUSAL	The Acquirer/Issuer refused the transaction.
WPI_ERR_COND_NETWORK_ISSUE	Network issue occurred (host not reachable, network down, … )
WPI_ERR_COND_TRANSACTION_TIMEOUT	Timeout occurred during transaction (other than with user interaction ).
WPI_ERR_COND_ENCRYPTION_ISSUE	Encryption issue (PAN, PIN …) caused the transaction to be aborted.
WPI_ERR_COND_INVALID_KEY	The secure component of the terminal is missing a key it needs to perform the transaction.
WPI_ERR_COND_INVALID_TRANSACTION_REQ	Invalid transaction request received. One of the fields in the transaction request object was invalid.
WPI_ERR_COND_INTERNAL	Internal error within payment service
WPI_ERR_COND_INVALID_AMOUNT	Entered invalid amount
WPI_ERR_COND_INVALID_CURRENCY	Transaction started with invalid currency. The currency is a global attribute of the underlying payment service.
WPI_ERR_COND_APP_NOT_SUPPORTED	None of the applications on the EMV NFC/IC chip card are accepted or the ISO/PAN on the magnetic stripe track didn’t result in a brand being accepted
WPI_ERR_COND_MISSING_MANDATORY_PARAMETER	A mandatory parameter is missing in the request.
WPI_ERR_COND_GENERIC	A generic error that is not specified in detail
WPI_ERR_COND_NOT_INITIALIZED	The payment solution is not configured and cannot process the request.
WPI_ERR_COND_WPI_VERSION_NOT_SUPPORTED	The request contains a WPI version which is not supported by the payment solution.
WPI_ERR_COND_SESSION_ID_ALREADY_IN_USE	In case of the SESSION ID was already used and the payment solution would not be able to identify the last transaction for recovery then this error code is returned.
WPI_ERR_COND_INVALID_PASSWORD	For password protected transactions, this error code is returned if the password entered in the payment solution, by the merchant, is incorrect.
WPI_ERR_COND_RECEIPT_DELEGATION_NOT_SUPPORTED	If a transaction was started with receipt delegation and receipt delegation is not supported this error code is returned
WPI_ERR_COND_MANUAL_PAN_KEY_ENTRY_NOT_SUPPORTED	In case of manual PAN key entry is not possible but requested.
WPI_ERR_COND_MPKE_NOT_SUPPORTED_BY_SERVICE_TYPE	In case of manual PAN key entry is not supported by given service type
WPI_ERR_COND_CASHBACK_NOT_SUPPORTED	If a transaction was started with cashback and cashback is not supported
WPI_ERR_COND_TIP_NOT_SUPPORTED_BY_PAYMENT_SOLUTION	If tipAmount is present in the transaction request but not supported by the payment solution
WPI_ERR_COND_TIP_NOT_SUPPORTED_BY_SERVICE_TYPE	If tipAmount is present in the transaction request but not supported for the specific service type
WPI_ERR_COND_TIP_NOT_SUPPORTED_BY_BRAND	If tipAmount is present in the transaction request but not supported by cardholder card brand
WPI_ERR_COND_TIP_AMOUNT_EXCEEDS_MAXIMUM	If tipAmount is higher than the maximum allowed tipAmount configured for the payment solution
WPI_ERR_COND_INVALID_AUTHORIZATION_CODE	If authorizationCode was rejected by Payment Solution
WPI_ERR_COND_PRODUCT_NOT_SUPPORTED	if productSelection is not supported or given product is not active on given Payment solution
WPI_ERR_COND_DAY_END_NOT_YET_PERFORMED	Day End was not yet performed on this given terminal, therefore no data can be returned
WPI_ERR_COND_VOICE_REFERRAL_REQUIRED	Transaction requires Voice Referral in order to obtain authorization code

4.2.4 Action Code

Action Code	Description
WPI_ACTION_CODE_NONE	No additional action to be performed
WPI_ACTION_CODE_ASK_LEGAL_IDENTIFICATION	Ask the cardholder for a legal identification and write the identification data down on the receipt.
WPI_ACTION_CODE_ASK_SIGNATURE	Ask the cardholder to sign the merchant receipt to complete the authorization.

4.2.5 Receipt

Field Name	Description	Type
formatted	Merchant and cardholder receipt are contained in this field. Both receipts are available as text preformatted. The receipt wide is defined by the payment application (often 32 characters) and depends on the printer capabilities or configuration.	JSON object (check example below)
json	Merchant and cardholder receipt are contained in this field. Both receipts are represented in a JSON format. This is used to create a own format. An own format should be compliant with the local, payment solution and EMV specification!	JSON object (check example below

Field Name

Description

Type

formatted

Merchant and cardholder receipt are contained in this field. Both receipts are available as text preformatted. The receipt wide is defined by the payment application (often 32 characters) and depends on the printer capabilities or configuration.

JSON object (check example below)

json

Merchant and cardholder receipt are contained in this field. Both receipts are represented in a JSON format. This is used to create a own format.

An own format should be compliant with the local, payment solution and EMV specification!

JSON object (check example below

The receipt language is the same as it is for the payment app. As it is written in the JSON specification ( https://www.ietf.org/rfc/rfc4627.txt ) every control character has to be escaped like shown below but on the same line.

4.2.5.1 Multi account support in receipts

Account index and name identifying the account beneficiary should be printed below date/ time

FORMATTED format:

formatted: {
	"merchant":"    This is to confirm your transaction\\n
		registered at:\\n
	    ----------------------------------------\\n
				 SPS-Softpos Pilot 02\\n
				  Grzybowska 4/246\\n
				   00-131 Warszawa\\n
		----------------------------------------\\n
		15.02.2023 22:36\\n
	    Account : 3 Dr. Jozef Black\\n

		0,03 PLN\\n
		Visa **** **** **** 7984\\n
				Transaction details: \\n 
	    Status:                       AUTHORIZED\\n
		Authorization code:           (0) 741451\\n
		ARQC:                   61BC5EDC34F63979\\n
		AID:                      A0000000031010\\n
		Contactless\\n
		Type:                               Sale\\n
		POS ID:                         APP00002\\n
		MID:                           103810047\\n
		VISA CARD",
	"client":"    This is to confirm your transaction\\n
		registered at:\\n
	    ----------------------------------------\\n
				 SPS-Softpos Pilot 02\\n
				  Grzybowska 4/246\\n
				   00-131 Warszawa\\n
		----------------------------------------\\n
		15.02.2023 22:36\\n
		0,03 PLN\\n
		Visa **** **** **** 7984\\n
				Transaction details: \\n 
	    Status:                       AUTHORIZED\\n
		Authorization code:           (0) 741451\\n
		ARQC:                   61BC5EDC34F63979\\n
		AID:                      A0000000031010\\n
		Contactless\\n
		Type:                               Sale\\n
		POS ID:                         APP00002\\n
		MID:                           103810047\\n
		VISA CARD"
	}
}

JSON Format:

"json":{
	"receiptTargets":{
		"merchant":{
			"description": "List of field names of the receipt to be included for the merchant receipt"
			"type":"array",
			"items":{
				"type":"string"
			}
		},
		"client":{
			"description": "List of field names of the receipt to be included for the client receipt"
			"type":"array",
			"items":{
				"type":"string"
			}
		}
	},
	"duplicate":{
		"type":"boolean"
	},
	"shopInfo":{
		"name":{
			"type":"string"
		},
		"address":{
			"type":"string"
		},
		"zipCode":{
			"type":"string"
		},
		"city":{
			"type":"string"
		},
		"country":{
			"type":"string"
		},
		"logo":{
			"type":"string" // Content provider uri to the logo file
		}
	},
	"terminalIdentifier":{
		"type":"string"
	},
	"terminalIdentifierLong":{
		"type":"string"
	},  
	"period":{
		"type":"string"
	},
	"transactionIdentifier":{
		"type":"string"
	},
	"currency":{
		"type":"string"
	},
	"amount":{
		"type":"integer"
	},
	"cashbackAmount":{
		"type":"integer"
	}
	"tipAmount":{
		"type":"integer"
	},
    "token":{
		"type":"string"
	},
	"par":{
		"type":"string"
	},
	"brandName":{
		"type":"string"
	},
	"applicationIdentifier":{
		"type":"string"
	},
	"issuerName":{
		"type":"string"
	},
	"pan":{
		"type":"string"
	},
	"maskedPan":{
		"type":"string"
	},
	"cardSequence":{
		"type":"string"
	},
	"cardExpiration":{
		"type":"string"
	},
	"serviceName":{
		"type":"string"
	},
	"timestamp":{
		"type":"string"
	},
	"authorizationCode":{
		"type":"string"
	},
	"reference":{
		"type":"string"
	},
	"acquirerIdentifier":{
		"type":"string"
	},
	"entryMode":{
		"type":"string"
	},
	"cardDataInput":{
		"type":"string"
	},
	"cardholderVerificationMethod":{
		"type":"string"
	},
  "legalIdentificationRequired":{
		"type":"boolean"
	},
	"cardBalance":{
		"old":{
			"type":"string"
		},
		"new":{
			"type":"string"
		},
		"cardholderText":{
			"type":"string"
		}
	},
	"paymentSolutionReference":{
		"type":"string"
	},
	"operatorIdentifier":{
		"type":"string"
	},
	"cardholderReceiptText":{
		"type":"string"
	},
	"acquirerReceiptText":{
		"type":"string"
	},
	"footerLines":{
		"type":"array",
		"items":{
			"line":{
				"type":"string"
			}
		}
	},
	"additionalData":{
		"type":"array",
		"items":{
			"key":{
				"type":"string"
			},
			"value":{
				"type":"dynamic"
			}
		}
	},
	"account": {
    	"type": "object",
    	"properties": {
        	"index": {
           	 "type": "integer"
        		},
        	"name": {
            	"type": "string"
       		 }
   		 },
	}
}

4.2.6 Payment Information Item

Field Name	Description	Type	Condition
acquirerIdentifier	The acquirer identifier for the given brand	String	Mandatory
merchantIdentifier	Merchant identifier that is used by the acquirer	String	Mandatory
acquirerTerminalIdentifier	Terminal identifier that is used by the acquirer to identify the terminal	String	Mandatory
brandIdentifer	Brand specific identifier, also known as AID. This is scheme specific e.g. A0000000041010 is Mastercard	String	Optional
brandName	The brand name like Mastercard	String (pre-defined 4.2.11 Brand Name)	Mandatory
supportedServiceTypes	Supported service types for the brand	Array ( 2.1.1.1 Financial Service Types)	Mandatory
cancellableServiceTypes	Service types that can be reversed	Array ( 2.1.1.1 Financial Service Types)	Mandatory
numberOfCancellableTransactions	Number of last successful and finalized (i.e excludes Pre-Authorization related service types) transactions that can be reversed. "-1" value shall be used if all transactions performed since last Day End can be reversed	Integer	Mandatory
supportedTechnologies	Supported technologies for card reading	Array ( 4.2.7 Supported Technologies)	Mandatory
supportsDCC	Whether Dynamic Currency Conversion (DCC) is supported and enabled or not	Boolean	Mandatory
supportsCashback	Whether cashback is supported and enabled or not	Boolean	Mandatory

4.2.7 Supported Technologies

Entry Mode	Description
WPI_ENTRY_MODE_MANUAL	Manual Key Entry support
WPI_ENTRY_MODE_MAGSTRIPE	Magnetic stripe support
WPI_ENTRY_MODE_CHIP	EMV chip (ICC) support
WPI_ENTRY_MODE_NFC	EMV NFC chip support
WPI_ENTRY_MODE_NFC_MIFARE	NFC MIFARE support
WPI_ENTRY_MODE_QR_CODE	Alternative payment method support, via QR Code

4.2.8 Supported Ticket Format

The supported ticket formats are defined in 4.1.1 Receipt Format

4.2.9 Acquirer Protocol

Acquirer Protocol
CB2A
CTAP
ep2
MULTI-ACQUIRER
NEXO
ZVT

4.2.10 Authorization Mode

Authorization Mode	Description
WPI_AUTHORIZATION_MODE_ONLINE	Authorized online
WPI_AUTHORIZATION_MODE_OFFLINE	Authorized offline

4.2.11 Brand Name

Mapping should be based on Payment Application configuration returned by Acquirer. If not possible to find the right match (for e.g. brand is not specified or Payment Solution does not know what brand was used) WPI_BRAND_NAME_OTHER value shall be returned. In case of local brands, WPI_BRAND_NAME_LOCAL_DEBIT_CARD or WPI_BRAND_NAME_LOCAL_CREDIT_CARD shall be returned.

Brand Name
WPI_BRAND_NAME_MASTERCARD
WPI_BRAND_NAME_MASTERCARD_DEBIT
WPI_BRAND_NAME_MAESTRO
WPI_BRAND_NAME_VISA
WPI_BRAND_NAME_VISA_DEBIT
WPI_BRAND_NAME_VISA_ELECTRON
WPI_BRAND_NAME_VPAY
WPI_BRAND_NAME_JCB
WPI_BRAND_NAME_AMERICAN_EXPRESS
WPI_BRAND_NAME_DINERS_CLUB
WPI_BRAND_NAME_DISCOVER
WPI_BRAND_NAME_CHINA_UNIONPAY
WPI_BRAND_NAME_LOCAL_CREDIT_CARD
WPI_BRAND_NAME_GIROCARD
WPI_BRAND_NAME_CARTE_BANCAIRE
WPI_BRAND_NAME_BANCONTACT
WPI_BRAND_NAME_LOCAL_DEBIT_CARD
WPI_BRAND_NAME_ALIPAY
WPI_BRAND_NAME_WECHAT_PAY
WPI_BRAND_NAME_TWINT
WPI_BRAND_NAME_PAYCONIQ
WPI_BRAND_NAME_LOCAL_QR_CODE_BRAND
WPI_BRAND_NAME_BLIK
WPI_BRAND_NAME_OTHER

4.2.12 Card Data Input

Card Data Input	Description
WPI_CARD_DATA_INPUT_MANUAL_ENTRY	Card data was entered manually
WPI_CARD_DATA_INPUT_PROXIMITY_ICC	Card data was read via NFC with chip mode
WPI_CARD_DATA_INPUT_PROXIMITY_MAGNETIC_STRIPE	Card data was read via NFC with magnetic stripe mode
WPI_CARD_DATA_INPUT_ICC	Card data was read via Chip reader
WPI_CARD_DATA_INPUT_EMV_FALLBACK	Card data was read by Magnetic stripe reader due to an chip error (fallback)
WPI_CARD_DATA_INPUT_MAGNETIC_STRIPE	Card data was read through magnetic stripe reader
WPI_CARD_DATA_INPUT_ALTERNATIVE_PAYMENT_METHOD	Card data was provided through an alternative payment method (e.g. QR Code payment)
WPI_CARD_DATA_INPUT_PAN_TOKEN	Card data was provided via a tokenization service which is referencing the PAN data
WPI_CARD_DATA_INPUT_REFERENCE_BASED	Card data evaluated by the acquiring system from a previous (referenced) transaction

4.2.13 Cardholder Verification Method

Cardholder Verification Method (CVM)	Description
WPI_CVM_NO_CVM	No CVM executed
WPI_CVM_SIGNATURE	Signature CVM required
WPI_CVM_PIN_ONLINE	PIN online CVM executed
WPI_CVM_PIN_OFFLINE	PIN offline CVM executed
WPI_CVM_CD_CVM	Consumer Device CVM
WPI_CVM_PIN_ONLINE_AND_SIGNATURE	PIN online executed and signature required
WPI_CVM_PIN_OFFLINE_AND_SIGNATURE	PIN offline executed and signature required

4.2.14 Supported Products Item

Field Name	Description	Type	Condition
productProvider	Name of the voucher provider	String	Mandatory
isActive	Whethere the voucher provider is active in the payment solution	Boolean	Mandatory
productType	List of voucher types for the given provider	Array ( 4.2.15 Product type item)	Mandat

4.2.15 Product Type Item

Field Name	Description	Type	Condition
productDataId	Identifier of the product used for Product Selection by the Payment Solution	String	Mandatory
values	Name of the product to be selected by the merchant available in the languages supported by the payment solution	Object ( 4.2.15.1 Values item)	Mandator

4.2.15.1 Values item

This object shall contain all supported languages as fields described according to ISO 639-1 (alpha-2 code) and actual translations of given product as their values.

Example:

"values": { "en": "Meal Voucher", "fr": "Chèques Repas", "nl": "Maaltijdcheque", "de": "Mahlzeitscheck" }

4.2.16 Product Selection Item

Field Name	Description	Type	Condition
productDataId	Identifier of the product used by the payment solution,	String	Mandatory
productProvider	Name of the voucher provider	String	Mandatory

4.2.17 Account Item

Field Name	Description	Type	Condition
index	Number range from 0-9	Integer	Mandatory
name	account index beneficiary	String	Mandatory

4.2.18 Payment Service Provider

Payment Service Provider
WPI_PSP_GOPAY
WPI_PSP_SAFERPAY
WPI_PSP_EP2
WPI_PSP_OTHER

4.2.19 Token Service Provider

Token Service Provider
WPI_TSP_GTS
WPI_TSP_ONELINK
WPI_TSP_OTHER

5 Payment Solution Implementation

Mandatory Attributes and Result Structure
1. The technical design is based on defining only the mandatory attributes in the request needed to meet every requested business use case aiming to be payment protocol agnostic .
2. The payment solution shall support every combination of attributes defined in the request.
3. The result structure contains every possible attribute to be returned to meet every use case.
Payment Solution Reference
1. The payment solution reference must be designed in a unique way so that all follow on transactions can be handled with this. For example if you do a pre-authorization, it needs to contain all payment-specific fields to do all follow-on transactions like cancel pre-authorization, completion, and so on. WPI supports the so-called reference, for more details check Data Dictionary 4.1 Request Data, this field is also known as a merchant reference and used for reconciliation.
2. The payment solution shall print the paymentSolutionReference on cardholder receipt in plain text or as QR Code:
  1. compliant with ISO/IEC 18004:2015 (or higher) standard.
  2. highest (H) error correction level must be ensured.
  3. QR Code version should be selected according to the length of data that given Payment Solution will return.
  4. QR Code content should be limited to paymentSolutionReference value with no additional data (i.e. raw data).
3. The payment solution reference shall be as short as possible and easy to type manually within another Android application.
4. The payment solution reference should remain interoperable among all payment solutions for given payment protocol
Remark and Error Handling
1. The payment solution shall provide a remark that is understandable by a third-party integrator and only in case of an error condition not equal to WPI_ERR_COND_NONE .
2. The payment solution shall send back the errorCondition WPI_ERR_COND_BUSY in case of a transaction currently in progress.
Payment Instrumentation Recognition Request
1. In case of a Payment Instrumentation Recognition Request, the terminal shall:
  1. perform the card withdrawal in case of no amount & currency is present.
  2. not wait for another action in case of no amount & currency is present.
  3. return a token for the card PAN or the NFC UID (in case of NFC non-payment related cards) that was read. The token should be a hash which is generated by the Payment Solution and can be reproduced at least on the same device.
Tip processing
1. In case of tipAmount in the WPI request is not defined the Payment Solution has to show the tip entry screens.
2. In case of tipAmount in the WPI request is defined >= 0 the Payment Solution will take the tip amount from the request and not show the tip entry screen
3. In case of tipAmount is null or 0 no tip will be processed as part of given transaction
Other Requirements
1. The payment solution must store the SESSION_ID for the last transaction as well as the last transaction object of each business application. Due to this, a recovery procedure can be implemented with the last transaction request.
2. For compatibility reasons and a certain grace period, every payment application shall support the last two major versions starting with WPI 2.0
3. Password-protected transaction types such as refund, credit, and follow-on credit must be password protected. In case of a standalone configuration of the payment solution, password entry and validation must be done by the payment solution.
4. The payment solution shall always take care off the receipt handling - depending on the TMS configuration. Business applications can override (deactivate) the default behavior by setting the receiptDelegation to false .

Worldline Payment Interface

Table Of Contents

1 Overview

1.1 What's New

1.2 Revision History

2 Interface Structure

2.1 Versioning

2.2 Extras

2.2.1 Service Types

2.3 Meta-data for Supported WPI versions

2.3.1 Android Manifest meta-data (Payment Solution)

3 Interface Description

3.1 Financial

3.1.1 Payment

3.1.2 Cancellation

3.1.3 Unreferenced Cancellation

3.1.4 Refund

3.1.5 Pre-authorization

3.1.6 Update Pre-authorization

3.1.7 Payment Completion

3.1.8 Deferred Payment

3.1.9 Payment Instrumentation Recognition

3.1.10 Follow on Credit

3.1.11 Follow on Payment

3.1.12 Phone Authorized

3.1.13 Force Acceptance

3.2 Management

3.2.1 Payment Menu

3.2.2 Day-End

3.2.3 Payment Parameterization

3.2.4 Acquirer Parameterization

3.2.5 Print Receipt

3.2.6 Abort Ongoing Payment

3.2.7 Last Day End Information

3.3. Information

3.3.1 Last Transaction

3.3.2 Payment Solution Implementation

4 Data Dictionary

4.1 Request Data

4.1.1 Receipt Format

4.1.2 Recognition Option

4.1.3 Receipt Target

4.1.4 Accessibility item

4.2 Response Data

4.2.1 ShopInfo

4.2.2 Result

4.2.3 Error Condition

4.2.4 Action Code

4.2.5 Receipt

4.2.6 Payment Information Item

4.2.7 Supported Technologies

4.2.8 Supported Ticket Format

4.2.9 Acquirer Protocol

4.2.10 Authorization Mode

4.2.11 Brand Name

4.2.12 Card Data Input

4.2.13 Cardholder Verification Method

4.2.14 Supported Products Item

4.2.15 Product Type Item

4.2.16 Product Selection Item

4.2.17 Account Item

4.2.18 Payment Service Provider

4.2.19 Token Service Provider

5 Payment Solution Implementation