Function	To deliver the Acquirer's most recent list of Issuers to the Merchant
Root	DirectoryRes
Data elements	`createDateTimestamp`
	`Acquirer`	`Directory`	`Country`	`Issuer`	`Signature`
Sub-elements	`acquirerID`	`directoryDateTimestamp`	`countryNames`	`issuerID` `issuerName`	`SignedInfo` `SignatureValue` `KeyInfo`
Request	DirectoryReq (A)
Communication	HTTP POST request with an XML message to the AcquirerDirectoryURL
Security / authentication	Unilateral TLS connection (Acquirer holds SSL server certificate) Authentication of Acquirer based on Acquirer's SSL server certificate Merchant validates the Acquirer's electronic signature to determine the authenticity of the message

(Sub-)element	Description
`createDateTimestamp`	Date and time at which this message was created More info Note: Because the field is included in the digital signature, the value of this field must be determined prior to generating the signature.
`Acquirer`
`acquirerID`	Unique four-digit identifier of the Acquirer within an iDx based product
`Directory`
`directoryDateTimestamp`	The date on which the list of Issuers was updated by the Acquirer
`Country` (1..∞)	Contains all CountryName and Issuer sub-elements (see below)
`Country`
`countryNames`	Contains the country names in the official languages of the country, separated by a '/' symbol (e.g. 'België/Belgique')
`Issuer` (1..∞)	Contains an issuerID, issuerName pair (see below)
`Issuer`
`issuerID`	Unique identifier of the Issuer that consists of the international Bank Identifier Code (BIC).
`issuerName`	The name of the Issuer (as this should be displayed to the Consumer on the Merchant's Issuer list).

Note: An Acquirer must place the Issuer elements in each Country element in such a way that they are ordered alphabetically according to the field Issuer.issuerName.

Example message

<?xml version="1.0" encoding="UTF-8"?>
<DirectoryRes version="1.0.0" productID="NL:BVN:eMandatesCore: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>2001-12-17T09:30:472Z</createDateTimestamp>
	<Acquirer>
		<acquirerID>1234</acquirerID>
	</Acquirer>
	<Directory>
		<directoryDateTimestamp>2004-11-10T10:15:12.1452Z</directoryDateTimestamp>
		<Country>
			<countryNames>Nederland</countryNames>
			<Issuer>
				<issuerID>BANKNL2U</issuerID>
				<issuerName>Bank 1</issuerName>
			</Issuer>
			<Issuer>
				<issuerID>BANANL2U</issuerID>
				<issuerName>Bank 2</issuerName>
			</Issuer>
			<Issuer>
				<issuerID>BANBNL2UXXX</issuerID>
				<issuerName>Bank 3</issuerName>
			</Issuer>
			<Issuer>
				<issuerID>BANCNL2U</issuerID>
				<issuerName>Bank 4</issuerName>
			</Issuer>
		</Country>
		<Country>
			<countryNames>België/Belgique</countryNames>
			<Issuer>
				<issuerID>BANKBE2U</issuerID>
				<issuerName>Banque 1</issuerName>
			</Issuer>
		</Country>
	</Directory>
	<Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
	<!--_Signature is placed here. See Signature section for specifications--!>
	</Signature>
</DirectoryRes>

Schematic representation

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