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

Exemplo de Requisição

<transaction-request>
    <version>3.1.1.15</version>
    <verification>
        <merchantId>{{merchantId}}</merchantId>
        <merchantKey>{{merchantKey}}</merchantKey>
    </verification>
    <order>
        <sale>
            <!-- 3DS -->
            <authentication>
                <mpiProcessorID>xxxx</mpiProcessorID>
                <onFailure>decline</onFailure>
                <challengePreference>NO_PREFERENCE</challengePreference>
            </authentication>
            <device>
                <colorDepth>1</colorDepth>
                <deviceType3ds>BROWSER</deviceType3ds>
                <javaEnabled>true</javaEnabled>
                <language>BR</language>
                <screenHeight>550</screenHeight>
                <screenWidth>550</screenWidth>
                <timeZoneOffset>3</timeZoneOffset>
            </device>
            <!-- MCC -->
            <paymentFacilitatorID>249171</paymentFacilitatorID>
            <independentSalesOrganizationID>1234567</independentSalesOrganizationID>
            <itemList itemCount='1'>
                <item>
                    <itemIndex>1</itemIndex>
                    <sellerMcc>1342</sellerMcc>
                    <sellerId>a1234</sellerId>
                    <sellerAddress>Teste endereço</sellerAddress>
                    <sellerCity>Teste cidade</sellerCity>
                    <sellerState>SP</sellerState>
                    <sellerCountry>BR</sellerCountry>
                    <sellerCep>10948876</sellerCep>
                    <sellerTaxId>12345678901234</sellerTaxId>
                </item>
            </itemList>
            <payment>
                <currencyCode>BRL</currencyCode>
                <productType>Service</productType>
                <chargeTotal>9.00</chargeTotal>
                <softDescriptor>mx5</softDescriptor>
            </payment> 
            <!-- Wallet/SDWO-->
            <wallet>
                 <sdwo>
                    <id>1234567890</id>
                    <processingType>Cash-in/Purchase</processingType>
                    <senderTaxIdentification>11122233344</senderTaxIdentification>
                    <paymentDestination>04</paymentDestination>                    
                    <businessApplicationIdentifier>01</businessApplicationIdentifier>
                    <merchantTaxId>11122233344455</merchantTaxId>
                    <receiverData>
                        <firstName>Jose</firstName>
                        <lastName>Silva</lastName>
                        <taxIdNumber>31412311177</taxIdNumber>
                        <walletAccountIdentification>342432409</walletAccountIdentification>
                    </receiverData>
                <sdwo>
            </wallet>
            <processorID>xx</processorID>
            <referenceNum>Order-001</referenceNum>
            <ipAddress>127.0.0.1</ipAddress>
            <billing>
                <id>0</id>
                <name>Fulano</name>
                <address>Rua Pedro Luiz</address>
                <address2>Casa</address2>
                <city>Guarulhos</city>
                <state>SP</state>
                <postalcode>00000-000</postalcode>
                <country>Brasil</country>
                <phone>(11) 96478-0404</phone>
                <email>fuano.silva@maxipago.com</email>
            </billing>
            <shipping>
                <id>0</id>
                <name>Fulano</name>
                <address>Rua Pedro Luiz</address>
                <address2>Casa</address2>
                <city>Guarulhos</city>
                <state>SP</state>
                <postalcode>00000-000</postalcode>
                <country>Brasil</country>
                <phone>(11) 96478-0404</phone>
                <email>fulano.silva@maxipago.com</email>
            </shipping>
            <transactionDetail>
                <payType>
                    <creditCard>
                        <number>5221834791042066</number>
                        <expMonth>12</expMonth>
                        <expYear>2030</expYear>
                        <cvvNumber>999</cvvNumber>
                        <tokenCryptogram>aaaaaaaaaaaaaaaaaaa</tokenCryptogram>
                        <storageCard>2</storageCard>
                        <credentialId>02</credentialId>
                    </creditCard>
                </payType>
            </transactionDetail>
            <customerIdExt>888.058.830-34</customerIdExt>
            <userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent>
        </sale>
        <clientData>
            <comments>JavaPlugin v1.1</comments>
        </clientData>
    </order>
</transaction-request>

Exemplo de Retorno com Falha

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

Tabela de Parâmetros