As bandeiras Mastercard, Visa e Elo possuem um programa de Operadoras de carteiras Digitais Escalonadas (SDWO), consulte aqui Carteiras digitais escalonada (SDWO).

Exemplo de Requisição

<transaction-request>
	<version>3.1.1.15</version>
	<verification>
		<merchantId>store-id</merchantId>
		<merchantKey>store-key</merchantKey>
	</verification>
	<order>
		<sale>
			<!-- 3DS -->
			<authentication>
				<mpiProcessorID>xxxx</mpiProcessorID>
				<onFailure>decline</onFailure>
				<challengePreference>NO_PREFERENCE</challengePreference>
			</authentication>
			<device>
				<colorDepth>1</colorDepth>
				<deviceType3ds>BROWSER</deviceType3ds>
				<javaEnabled>true</javaEnabled>
				<language>BR</language>
				<screenHeight>550</screenHeight>
				<screenWidth>550</screenWidth>
				<timeZoneOffset>3</timeZoneOffset>
			</device>
			<!-- MCC -->
			<paymentFacilitatorID>249171</paymentFacilitatorID>
			<independentSalesOrganizationID>1234567</independentSalesOrganizationID>
			<itemList itemCount='1'>
				<item>
					<itemIndex>1</itemIndex>
					<sellerMcc>1342</sellerMcc>
					<sellerId>a1234</sellerId>
					<sellerAddress>Teste endereço</sellerAddress>
					<sellerCity>Teste cidade</sellerCity>
					<sellerState>SP</sellerState>
					<sellerCountry>BR</sellerCountry>
					<sellerCep>10948876</sellerCep>
					<sellerTaxId>12345678901234</sellerTaxId>
				</item>
			</itemList>
			<payment>
				<currencyCode>BRL</currencyCode>
				<productType>Service</productType>
				<chargeTotal>9.00</chargeTotal>
				<softDescriptor>mx5</softDescriptor>
			</payment>
			<!-- SDWO -->
			<consumerBillPaymentService>
				<businessApplicationIdentifier>02</businessApplicationIdentifier>
			</consumerBillPaymentService>
			<wallet>
				<walletId>1234567890</walletId>
				<processingType>Cash-in</processingType>
				<senderTaxIdentification>11122233344</senderTaxIdentification>
			</wallet>
			<processorID>xx</processorID>
			<referenceNum>Order-001</referenceNum>
			<ipAddress>127.0.0.1</ipAddress>
			<billing>
				<id>0</id>
				<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>
			</billing>
			<shipping>
				<id>0</id>
				<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>
			</shipping>
			<transactionDetail>
				<payType>
					<creditCard>
						<number>5221834791042066</number>
						<expMonth>12</expMonth>
						<expYear>2030</expYear>
						<cvvNumber>999</cvvNumber>
						<eci>07</eci>
						<tokenCryptogram>aaaaaaaaaaaaaaaaaaa</tokenCryptogram>
					</creditCard>
				</payType>
			</transactionDetail>
			<customerIdExt>888.058.830-34</customerIdExt>
			<userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent>
		</sale>
		<clientData>
			<comments>JavaPlugin v1.1</comments>
		</clientData>
	</order>
</transaction-request>

Exemplo de Retorno com Falha

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<api-error>
	<errorCode>1</errorCode>
	<errorMsg>
		<![CDATA[Schema validation for the vertical SA for the incoming transaction xml failed. Reason Parser Error: URI=null Line=1: cvc-enumeration-valid: Value '1' is not facet-valid with respect to enumeration '[Cash-in, Purchase]'. It must be a value from the enumeration.]]>
	</errorMsg>
</api-error>

Tabela de Parâmetros