720 – Credit Request

Allows the merchant to submit a request for credit to the cardholder’s Credit Card.

NODE	INCLUDE IN CHECKSUM (IN THIS ORDER)	REQUIRED	DATA TYPE	DESCRIPTION
apiUser	YES (1)	YES	Character max 50.	The API user assigned by the Gateway to the merchant. Can be obtained from the website inside your merchant account.
apiPassword	YES (2)	YES	Character max 50.	The API password assigned by Gateway to the merchant. Can be obtained from the website inside your merchant account.
apiCmd	YES (3)	YES	720	3 digit numeric transaction code must be 720
transaction		YES	Xml Node	Section containing Transaction Information
transaction->merchanttransid	YES (4)	YES	Character max 50.	Merchant transaction id must be included in the request. Merchant transaction id must be unique for each transaction.
transaction->amount	YES (5)	YES	Number with point decimal	Full amount to charge in currency specified. The amount must be specified as a number with decimal point and 2 digits to the right of the decimal point. Decimal separator must be point (.). example: 3500.25 = Three thousand five hundred units of currency and twenty five hundredths of a single unit of currency.
transaction->curcode	YES (6)	YES	Character 3.	May only use currencies specified in the Merchant Agreement.
transaction->statement		YES	Character max 100.	Purpose of the credit. When available, that descriptor may be used in the billing statement of the card holder.
transaction->description		YES	Character max 100.	Description of the charge. When available, that description may be used in the billing statement of the card holder.
transaction->merchantspecific1		OPT	Character max 200.	Merchant specific data for merchant use only. Data sent in this field will be stored and sent in any communication or response to the merchant.
transaction->merchantspecific2		OPT	Character max 200.	Merchant specific data for merchant use only. Data sent in this field will be stored and sent in any communication or response to the merchant.
transaction->merchantspecific3		OPT	Character max 200.	Merchant specific data for merchant use only. Data sent in this field will be stored and sent in any communication or response to the merchant.
transaction->merchantspecific4		OPT	Character max 200.	Merchant specific data for merchant use only. Data sent in this field will be stored and sent in any communication or response to the merchant.
transaction->merchantspecific5		OPT	Character max 200.	Merchant specific data for merchant use only. Data sent in this field will be stored and sent in any communication or response to the merchant.
customer		YES	Xml Node	Section containing Customer Information
customer->firstname		YES	Character max 50.	First name of the Customer.
customer->lastname		YES	Character max 50.	Last name of the Customer.
customer->accountid		YES	Character max 50.	Customer unique account id used inside the merchant organization.
customer->ipaddress		YES	Character max 15.	Full IP address of the customer used for this transaction
customer->email		YES	Character max 100.	Email of the Customer.
customer->countryiso		YES	Character exactly 3.	3 letter ISO country code of the Customer. Full list of codes can be obtained from the website inside your merchant account.
customer->stateregioniso		COND	Character max 3.	1-3 character ISO 3166 state/region/province code of the Customer. Full list of codes can be obtained from the website inside your merchant account.
customer->zippostal		YES	Character max 15.	Customer’s Zipcode or postal code.
customer->city		YES	Character max 50.	Customer’s City
creditcard		COND	Xml Node	Section containing sepa bank account Information. Required for sepa transactions, forbidden for credit card transactions.
creditcard->ccnumber	YES (7)	YES	Character max 16.	Full credit card number without dashes or separators. Only numbers.
checksum		YES	Character 3	SHA-1 calculated using the fields specified by the transaction plus the API key assigned by gateway to the merchant. This field must be calculated using the fields marked as “Include in checksum” (in the order indicated) plus the API key at the end.

720 – Response

Response Data description:

NODE	REQUIRED	DATA TYPE	DESCRIPTION
result	YES	Character	Indicates the result of the transaction. SUCCESS: Customer’s Credit Card account has been credited with the amount of the transaction. DECLINED: transaction was declined. ERROR: An error has been detected in the request. The transaction has NOT been accepted by the Gateway and thus No processing has taken place and No record for the transaction has been created. PENDING: Depending on the Acquiring Bank and/or the Merchant Account Agreement, the requested credit has been successfully submitted, but has not been released to the Issuing Bank. Once the credit request has been successfully processed by the Acquiring Bank, an 820 Notification will be sent to Merchant.
merchanttransid	YES	Character max 50.	Unique merchant transaction id received in the request.
transref	OPT	Integer	System transaction reference number. Will be sent in the response only if the result is not ERROR. In the case of ERROR, a guid based identification number will be sent instead of an integer. Merchant should save this reference number for support and troubleshooting. The transaction ID used for Refunds and other transaction activity will be sent in the Merchant Notification to the URL furnished by the Merchant and specified in the Merchant Profile.
errorcode	YES	Character 3	Error Code of the transaction or 000 if no error condition found.
errormessage	OPT	Character max 100	Full description of the error.
description	OPT	Character no limit	Optional details of the transaction except in the case of DECLINED and then the reason for the decline. May be null.

CURL

720 Credit Request Sample

  <?xmlversion="1.0" encoding="utf-8" ?>
	<transaction>
	<apiUser> </apiUser>
	<apiPassword> </apiPassword>
	<apiCmd> </apiCmd>
		<transaction> 
			<merchanttransid> </merchanttransid>
			<amount> </amount>
			<curcode> </curcode>
			<statement> </statement>
			<description> </description>
			<merchantspecific1> </merchantspecific1>
			<merchantspecific2> </merchantspecific2>
			<merchantspecific3> </merchantspecific3>
			<merchantspecific4> </merchantspecific4>
			<merchantspecific5> </merchantspecific5>
		</transaction>
		<customer> 
			<firstname> </firstname>
			<lastname> </lastname>
			<accountid> </accountid>
			<ipaddress> </ipaddress>
			<email> </email>
			<city> </city>
			<countryiso> </countryiso>
		</customer>
		<creditcard> 
			<ccnumber> </ccnumber>
			<expmonth> </expmonth>
			<expyear> </expyear>
		</creditcard> 	
		
		<checksum> </checksum>
	</transaction> 
							  

The 720 response is plain xml un-encoded that contains the following data:

<?xmlversion="1.0" encoding="utf-8" ?>
<transaction>
	<result> </result>
	<merchanttransid> </merchanttransid>
	<transref> </transref>
	<errorcode> </errorcode>
	<errormessage> </errormessage>
	<description> </description>
</transaction> 

PHP

720 Request Sample

 
require_once 'autoload.php';

use Omnipay\GPNDataEurope\GPNGateway;
set_time_limit(0);

$gpnGateway = new GPNGateway();
$gpnGateway->setApiKey('APIKEY');
$gpnGateway->setApiPassword('APIPASS');
$gpnGateway->setApiUser('APIUSER');
$gpnGateway->setMode(GPNGateway::PROD_MODE);
$gpnGateway->setPROD('https://txtest.txpmnts.com/api/transaction/');


	
$params = [
	'ptid' => '651C6D7D-D360-D29A-AFEE-13CA0F15A0FA', // previous transaction ID
	'currency'      => 'USD',
	'amount'        => '10.00',
	'description'   => 'Description of item',
	'firstName'     => '',
	'lastName'      => '',
	'email'         => '',
	'clientIp'      => '',
	'country'		 => '', // Country ISO Code 
	'city'			 => '',
	'TransactionId' => '', // new Merchant Transaction ID


];

try {
	// Credit 720
	$response = $gpnGateway->credit($params)->send();
	printf("%s-%s\n", $response->getCode(), $response->getMessage());
	
echo 'GPN Ref. No : '; print_r($response->getData()->getrefer());
echo 'Description : '; print_r($response->getData()->getmessage());
echo 'Merchant Transaction ID : '; print_r($response->getData()->getmerchantTransId());
echo 'Status : '; print_r($response->getData()->getstatus());
echo 'Status Code : '; print_r($response->getData()->getstatusCode());
echo 'Gateway Transaction ID : '; print_r($response->getData()->gettransId());

} catch (Exception $exc) {
	print_r($exc->getCode(), $exc->getMessage());
}