Carteiras Digitais Escalonadas (SDWO)

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

POST:

• Ambiente de Testes: https://testapi.maxipago.net/UniversalAPI/postXML
• Ambiente de Produção: https://api.maxipago.net/UniversalAPI/postXML

Exemplo de Requisição – Cash-in

Cash-in

• A carteira é abastecida com fundos através de uma transação financeira utilizando o cartão cadastrado previamente em sua plataforma, para posterior utilização;
• Carteiras de pedágio realizam apenas operações de cash-in, e devem utilizar corretamente os parâmetros indicados na tabela de relação de campos de Cash-in por bandeira.

Atenção: Para Elo, só é permitido realizar cash-in através de cartões de débito, sendo permitido também para cartões pré-pago. Para Hipercard, não é permitido realizar cash-in, por isso as transações submetidas nesse arranjo serão negadas.

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<transaction-request>
	<verification>
         <merchantId>store-id</merchantId>
         <merchantKey>store-key</merchantKey>
	</verification>
	<version>3.1.1.15</version>
	<order>
		<sale>
			<processorID>5</processorID>
			<referenceNum>0194f0fd-e281-76b6-90d9-247d79183df4-0</referenceNum>
			<fraudCheck>N</fraudCheck>
			<ipAddress>45.179.224.184</ipAddress>
			<billing>
				<name>Cliente Gateway</name>
				<address>R. Volkswagen 1</address>
				<address2>11º Andar</address2>
				<district>Jabaquara</district>
				<city>Sao Paulo</city>
				<state>SP</state>
				<postalcode>04344902</postalcode>
				<country>BR</country>
				<phone>1140044828</phone>
				<email>clientegateway@clientegateway.com.br</email>
				<companyName>maxiPago!</companyName>
				<id>123</id>
				<birthDate>1989-01-10</birthDate>
				<phones/>
				<documents>
					<document>
						<documentType>CPF</documentType>
						<documentValue>52167295340</documentValue>
					</document>
				</documents>
			</billing>
			<shipping>
				<name>Cliente Gateway</name>
				<address>R. Volkswagen 1</address>
				<address2>11º Andar</address2>
				<district>Jabaquara</district>
				<city>Sao Paulo</city>
				<state>SP</state>
				<postalcode>04344902</postalcode>
				<country>BR</country>
				<phone>1140044828</phone>
				<email>clientegateway@clientegateway.com.br</email>
				<id>123</id>
				<phones>
					<phone>
						<phoneCountryCode>0</phoneCountryCode>
						<phoneType>Mobile</phoneType>
						<phoneAreaCode>11</phoneAreaCode>
						<phoneNumber>966665555</phoneNumber>
						<phoneExtension></phoneExtension>
					</phone>
				</phones>
				<documents>
					<document>
						<documentType>CPF</documentType>
						<documentValue>74664446446</documentValue>
					</document>
				</documents>
			</shipping>
			<transactionDetail>
				<payType>
					<creditCard>
						<number>5510156038012409</number>
						<expMonth>12</expMonth>
						<expYear>2028</expYear>
					</creditCard>
				</payType>
			</transactionDetail>
			<payment>
				<chargeTotal>300.00</chargeTotal>
				<currencyCode>BRL</currencyCode>
				<softDescriptor>FRANK</softDescriptor>
				<creditInstallment>
					<chargeInterest>N</chargeInterest>
					<numberOfInstallments>1</numberOfInstallments>
				</creditInstallment>
			</payment>
			<itemList itemCount="1">
				<item>
					<itemIndex>1</itemIndex>
					<sellerMcc>6051</sellerMcc>
				</item>
			</itemList>
			<authentication>
				<challengePreference>NO_PREFERENCE</challengePreference>
				<mpiProcessorID>41</mpiProcessorID>
				<onFailure>decline</onFailure>
			</authentication>
			<device>
				<deviceType3ds>BROWSER</deviceType3ds>
				<colorDepth>24</colorDepth>
				<javaEnabled>false</javaEnabled>
				<language>pt-BR</language>
				<screenHeight>904</screenHeight>
				<screenWidth>407</screenWidth>
				<timeZoneOffset>3</timeZoneOffset>
			</device>
			<wallet>
				<sdwo>
					<id>1234567890</id>
					<processingType>Cash-in</processingType>
					<paymentDestination>04</paymentDestination>
					<businessApplicationIdentifier>01</businessApplicationIdentifier>
					<merchantTaxId>11122233344455</merchantTaxId>
					<receiverData>
						<firstName>Jose</firstName>
						<lastName>Silva</lastName>
						<taxIdNumber>3141231117715</taxIdNumber>
						<walletAccountIdentification>342432409286406158</walletAccountIdentification>
					</receiverData>
					<senderData>
						<taxIdNumber>3141231117715</taxIdNumber>
					</senderData>
				</sdwo>
			</wallet>
		</sale>
	</order>
</transaction-request>

Exemplo de Retorno com Sucesso

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode>123456</authCode>
	<orderID>0A0104AB:0195235EE500:CE19:718C874D</orderID>
	<referenceNum>0194f0fd-e281-76b6-90d9-247d79183df4-0</referenceNum>
	<transactionID>18802414</transactionID>
	<transactionTimestamp>1740055176</transactionTimestamp>
	<responseCode>0</responseCode>
	<responseMessage>CAPTURED</responseMessage>
	<avsResponseCode>YYY</avsResponseCode>
	<cvvResponseCode>M</cvvResponseCode>
	<processorCode>A</processorCode>
	<processorMessage>APPROVED</processorMessage>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>515590</creditCardBin>
	<creditCardLast4>5017</creditCardLast4>
	<errorMessage/>
	<partiallyApprovedAmount>150.0</partiallyApprovedAmount>
	<processorTransactionID>813189</processorTransactionID>
	<processorReferenceNumber>1082732</processorReferenceNumber>
	<creditCardCountry>US</creditCardCountry>
	<creditCardScheme>Mastercard</creditCardScheme>
	<authenticated>Y</authenticated>
	<brandCode>0</brandCode>
	<brandMessage>BRAND MESSAGE</brandMessage>
	<brandTransactionID>123456</brandTransactionID>
</transaction-response>

Exemplo de Retorno com Falha

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode/>
	<orderID/>
	<referenceNum/>
	<transactionID/>
	<transactionTimestamp>1739813504282</transactionTimestamp>
	<responseCode>1024</responseCode>
	<responseMessage>INVALID REQUEST</responseMessage>
	<avsResponseCode/>
	<cvvResponseCode/>
	<processorCode/>
	<processorMessage/>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>515590</creditCardBin>
	<creditCardLast4>5017</creditCardLast4>
	<errorMessage>Credit Card  Number is not a valid credit card number.</errorMessage>
	<creditCardScheme>Mastercard</creditCardScheme>
</transaction-response>

<?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>

Exemplo de Requisição – Purchase

Purchase

• A carteira realiza uma transação financeira a um lojista parceiro ou transfere valores entre carteiras, utilizando o cartão cadastrado previamente em sua plataforma.

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<transaction-request>
	<verification>
         <merchantId>store-id</merchantId>
         <merchantKey>store-key</merchantKey>
	</verification>
	<version>3.1.1.15</version>
	<order>
		<sale>
			<processorID>5</processorID>
			<referenceNum>0194f0fd-e281-76b6-90d9-247d79183df4-0</referenceNum>
			<fraudCheck>N</fraudCheck>
			<ipAddress>45.179.224.184</ipAddress>
			<billing>
				<name>Cliente Gateway</name>
				<address>R. Volkswagen 1</address>
				<address2>11º Andar</address2>
				<district>Jabaquara</district>
				<city>Sao Paulo</city>
				<state>SP</state>
				<postalcode>04344902</postalcode>
				<country>BR</country>
				<phone>1140044828</phone>
				<email>clientegateway@clientegateway.com.br</email>
				<companyName>maxiPago!</companyName>
				<id>123</id>
				<birthDate>1989-01-10</birthDate>
				<phones/>
				<documents>
					<document>
						<documentType>CPF</documentType>
						<documentValue>52167295340</documentValue>
					</document>
				</documents>
			</billing>
			<shipping>
				<name>Cliente Gateway</name>
				<address>R. Volkswagen 1</address>
				<address2>11º Andar</address2>
				<district>Jabaquara</district>
				<city>Sao Paulo</city>
				<state>SP</state>
				<postalcode>04344902</postalcode>
				<country>BR</country>
				<phone>1140044828</phone>
				<email>clientegateway@clientegateway.com.br</email>
				<id>123</id>
				<phones>
					<phone>
						<phoneCountryCode>0</phoneCountryCode>
						<phoneType>Mobile</phoneType>
						<phoneAreaCode>11</phoneAreaCode>
						<phoneNumber>966665555</phoneNumber>
						<phoneExtension></phoneExtension>
					</phone>
				</phones>
				<documents>
					<document>
						<documentType>CPF</documentType>
						<documentValue>74664446446</documentValue>
					</document>
				</documents>
			</shipping>
			<transactionDetail>
				<payType>
					<creditCard>
						<number>5510156038012409</number>
						<expMonth>12</expMonth>
						<expYear>2028</expYear>
					</creditCard>
				</payType>
			</transactionDetail>
			<payment>
				<chargeTotal>300.00</chargeTotal>
				<currencyCode>BRL</currencyCode>
				<softDescriptor>FRANK</softDescriptor>
				<creditInstallment>
					<chargeInterest>N</chargeInterest>
					<numberOfInstallments>1</numberOfInstallments>
				</creditInstallment>
			</payment>
			<itemList itemCount="1">
				<item>
					<itemIndex>1</itemIndex>
					<sellerMcc>6051</sellerMcc>
				</item>
			</itemList>
			<authentication>
				<challengePreference>NO_PREFERENCE</challengePreference>
				<mpiProcessorID>41</mpiProcessorID>
				<onFailure>decline</onFailure>
			</authentication>
			<device>
				<deviceType3ds>BROWSER</deviceType3ds>
				<colorDepth>24</colorDepth>
				<javaEnabled>false</javaEnabled>
				<language>pt-BR</language>
				<screenHeight>904</screenHeight>
				<screenWidth>407</screenWidth>
				<timeZoneOffset>3</timeZoneOffset>
			</device>
			<wallet>
				<sdwo>
					<id>1234567890</id>
					<processingType>Purchase</processingType>
				</sdwo>
			</wallet>
		</sale>
	</order>
</transaction-request>

Exemplo de Retorno com Sucesso

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode>123456</authCode>
	<orderID>0A0104AB:019523631A7F:CE30:25A7677F</orderID>
	<referenceNum>0194f0fd-e281-76b6-90d9-247d79183df4-0</referenceNum>
	<transactionID>18802418</transactionID>
	<transactionTimestamp>1740055452</transactionTimestamp>
	<responseCode>0</responseCode>
	<responseMessage>CAPTURED</responseMessage>
	<avsResponseCode>YYY</avsResponseCode>
	<cvvResponseCode>M</cvvResponseCode>
	<processorCode>A</processorCode>
	<processorMessage>APPROVED</processorMessage>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>515590</creditCardBin>
	<creditCardLast4>5017</creditCardLast4>
	<errorMessage/>
	<partiallyApprovedAmount>150.0</partiallyApprovedAmount>
	<processorTransactionID>651853</processorTransactionID>
	<processorReferenceNumber>803262</processorReferenceNumber>
	<creditCardCountry>US</creditCardCountry>
	<creditCardScheme>Mastercard</creditCardScheme>
	<authenticated>Y</authenticated>
	<brandCode>0</brandCode>
	<brandMessage>BRAND MESSAGE</brandMessage>
	<brandTransactionID>123456</brandTransactionID>
</transaction-response>

Exemplo de Retorno com Falha

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode/>
	<orderID/>
	<referenceNum/>
	<transactionID/>
	<transactionTimestamp>1740055560910</transactionTimestamp>
	<responseCode>1024</responseCode>
	<responseMessage>INVALID REQUEST</responseMessage>
	<avsResponseCode/>
	<cvvResponseCode/>
	<processorCode/>
	<processorMessage/>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>515590</creditCardBin>
	<creditCardLast4>5018</creditCardLast4>
	<errorMessage>Credit Card  Number is not a valid credit card number.</errorMessage>
	<creditCardScheme>Mastercard</creditCardScheme>
</transaction-response>

Exemplo de Requisição – CBPS

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<transaction-request>
	<verification>
         <merchantId>store-id</merchantId>
         <merchantKey>store-key</merchantKey>
	</verification>
	<version>3.1.1.15</version>
	<order>
		<sale>
			<processorID>5</processorID>
			<referenceNum>0194f0fd-e281-76b6-90d9-247d79183df4-0</referenceNum>
			<fraudCheck>N</fraudCheck>
			<ipAddress>45.179.224.184</ipAddress>
			<billing>
				<name>Cliente Gateway</name>
				<address>R. Volkswagen 1</address>
				<address2>11º Andar</address2>
				<district>Jabaquara</district>
				<city>Sao Paulo</city>
				<state>SP</state>
				<postalcode>04344902</postalcode>
				<country>BR</country>
				<phone>1140044828</phone>
				<email>clientegateway@clientegateway.com.br</email>
				<companyName>maxiPago!</companyName>
				<id>123</id>
				<birthDate>1989-01-10</birthDate>
				<phones/>
				<documents>
					<document>
						<documentType>CPF</documentType>
						<documentValue>52167295340</documentValue>
					</document>
				</documents>
			</billing>
			<shipping>
				<name>Cliente Gateway</name>
				<address>R. Volkswagen 1</address>
				<address2>11º Andar</address2>
				<district>Jabaquara</district>
				<city>Sao Paulo</city>
				<state>SP</state>
				<postalcode>04344902</postalcode>
				<country>BR</country>
				<phone>1140044828</phone>
				<email>clientegateway@clientegateway.com.br</email>
				<id>123</id>
				<phones>
					<phone>
						<phoneCountryCode>0</phoneCountryCode>
						<phoneType>Mobile</phoneType>
						<phoneAreaCode>11</phoneAreaCode>
						<phoneNumber>966665555</phoneNumber>
						<phoneExtension></phoneExtension>
					</phone>
				</phones>
				<documents>
					<document>
						<documentType>CPF</documentType>
						<documentValue>74664446446</documentValue>
					</document>
				</documents>
			</shipping>
			<transactionDetail>
				<payType>
					<creditCard>
						<number>5510156038012409</number>
						<expMonth>12</expMonth>
						<expYear>2028</expYear>
					</creditCard>
				</payType>
			</transactionDetail>
			<payment>
				<chargeTotal>300.00</chargeTotal>
				<currencyCode>BRL</currencyCode>
				<softDescriptor>FRANK</softDescriptor>
				<creditInstallment>
					<chargeInterest>N</chargeInterest>
					<numberOfInstallments>1</numberOfInstallments>
				</creditInstallment>
			</payment>
			<itemList itemCount="1">
				<item>
					<itemIndex>1</itemIndex>
					<sellerMcc>6051</sellerMcc>
				</item>
			</itemList>
			<authentication>
				<challengePreference>NO_PREFERENCE</challengePreference>
				<mpiProcessorID>41</mpiProcessorID>
				<onFailure>decline</onFailure>
			</authentication>
			<device>
				<deviceType3ds>BROWSER</deviceType3ds>
				<colorDepth>24</colorDepth>
				<javaEnabled>false</javaEnabled>
				<language>pt-BR</language>
				<screenHeight>904</screenHeight>
				<screenWidth>407</screenWidth>
				<timeZoneOffset>3</timeZoneOffset>
			</device>
			<wallet>
				<sdwo>
					<id>1234567890</id>
					<processingType>Purchase</processingType>
					<paymentDestination>04</paymentDestination>
					<businessApplicationIdentifier>01</businessApplicationIdentifier>
					<merchantTaxId>11122233344455</merchantTaxId>

				</sdwo>
			</wallet>
		</sale>
	</order>
</transaction-request>

Tabela de Parâmetros