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Function

To transfer the transaction details to the Acquirer as composed by Merchant

Root

AcquirerTrxReq

Data elements

createDateTimestamp 

 

Issuer

Merchant

Transaction

Signature

Sub-elements

issuerID

merchantID
subID
merchantReturnURL

expirationPeriod
language
entranceCode

container

SignedInfo
SignatureValue
KeyInfo

Response

AcquirerTrxRes (B')

Communication

HTTP POST request with an XML message to the AcquirerTrxURL.

Security / authentication

  • Unilateral TLS connection (Acquirer holds SSL server certificate)
  • Authentication of Acquirer based on Acquirer's SSL server certificate
  • Authentication of Merchant based on Merchant.merchantID, Merchant.subID in the message


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(Sub-)element

Description

createDateTimestamp

Date and time at which this message was created

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Note: Because the field is included in the digital signature, the value of this field must be determined prior to generating the signature.


Issuer

issuerID

The ID of the Issuer selected by the Consumer. See 'Appendix: IDs'

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Based on Issuer.issuerID, the Acquirer selects the correct IssuerTrxURL for sending IssuerTrxReq (C) to the Issuer.


Merchant

merchantID

See 'Appendix: IDs'

subID

See 'Appendix: IDs'

merchantReturnURL

URL to which the Consumer must be redirected after authorisation of the transaction at the Issuer.

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The resource indicated by the URL must be the website or mobile app of the Merchant or a part thereof. (not necessarily beginning with http:// or https://)


Transaction

expirationPeriod

The period of validity of the transaction request, measured from the receipt by the Issuer.

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Value according to ISO 8601: PnYnMnDTnHnMnS. Minimum value: PT1M or PT60S (1 minute);

The Consumer must complete the transaction within the set period; otherwise, the Issuer sets Transaction.status to 'Expired'.


language

Code list according to ISO 639-1. (e.g. 'en' for English, 'nl' for Dutch) should be used.

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This field enables the Issuer's site to select the Consumer's preferred language (e.g. the language that was selected on the Merchant's site), if this language is supported by the Issuer's site/app or mobile banking app. If a non-supported or non-existing language is entered, the standard language of the Issuer is used.


entranceCode


'Authentication identifier' created by the Merchant

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to facilitate continuation of the session between Merchant and Consumer, even if the existing session has been lost (e.g. because the cookie expired). It enables the Merchant to recognise the Consumer associated with a (completed) transaction. The Transaction.entranceCode is sent to the Merchant in the Redirect to Merchant E (see 'Appendix: IDs').
The Transaction.entranceCode should have a minimum variation of one million, and it should comprise letters and/or digits (maximum 40 positions).


container

This container can contain any set of data elements. It is up to the product specific implementation guidelines what content is included for that product.



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Example Message 

Code Block
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titleExample message
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<?xml version="1.0" encoding="UTF-8"?>
<AcquirerTrxReq version="1.0.0" productID="NL:BVN:eMandates:1.0"
	xmlns=" http://www.betaalvereniging.nl/iDx/messages/Merchant-Acquirer/1.0.0"
	xmlns:ds="http://www.w3.org/2000/09/xmldsig#"
	xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
	<createDateTimestamp>2001-12-17T09:30:473Z</createDateTimestamp>
	<Issuer>
		<issuerID>BANKNL2U</issuerID>
	</Issuer>
	<Merchant>
		<merchantID>1234123456</merchantID>
		<subID>1</subID>
		<merchantReturnURL>https://merchantwebsite.nl/returnPage.php?param1=true&amp;param2=3</merchantReturnURL>
	</Merchant>
	<Transaction>
		<expirationPeriod>PT30M</expirationPeriod>
		<language>nl</language>	
		<entranceCode>1234567890abcdefghijABCDEFGHIJ1234567890</entranceCode>
		<container> … any product specific content … </container>
	</Transaction>
	<Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
  <!-- Signature is placed here. See Signature section for specification-->
   	</Signature>
</AcquirerTrxReq>





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Schematic representation of AcquirerTrxReq (B)