---
title: Requests and Responses
slug: requests-and-responses
docTags: 
createdAt: 2025-11-27T13:38:42.859Z
---

# Request Message

Use ISO20022 message definition `AcceptorAuthorisationRequestV12` (message identifier: caaa.001.001.12).

It is recommended to use the ISO 20022 Dictionary to determine the complete structure of the message: [https://www.iso20022.org/standardsrepository/type/AcceptorAuthorisationRequestV12](https://www.iso20022.org/standardsrepository/type/AcceptorAuthorisationRequestV12)

Please note the following additional requirements:

- Property `SecurityTrailer` of type `ContentInformationType36` (child of `AcceptorAuthorisationRequestV12`) is mandatory.

# Response Message

If the request could not be successfully processed, an `AcceptorRejection` message will be returned.

Otherewise, an `AcceptorAuthorisationResponse` message will be returned to inform the Acceptor of the outcome of the request.

The `AcceptorAuthorisationResponseV12` (message identifier: caaa.002.001.12) will be used.

It is recommended to use the ISO 20022 Dictionary to determine the complete structure of the message: [https://www.iso20022.org/standardsrepository/type/AcceptorAuthorisationRequestV12](https://www.iso20022.org/standardsrepository/type/AcceptorAuthorisationRequestV12)

Please note that a `SecurityTrailer` of type `ContentInformationType36` will always be included with the `AcceptorAuthorisationResponse` to allow the Acceptor to verify that the response is legitimate.

# Examples

The messages provided below are formatted for readability. When sending requests to the gateway, the request body should be compacted by removing all non-significant whitespace characters.

## Example Authorisation Request - Plain Card Data

In this example, the card data is sent unencrypted in the `PlainCardData` (type: `PlainCardData15`) property of `PaymentCard33`

```xml
<?xml version="1.0" encoding="UTF-8"?>
<Document
	xmlns:None="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.12"
	xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
	xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.12">
	<AccptrAuthstnReq>
		<Hdr>
			<MsgFctn>AUTQ</MsgFctn>
			<PrtcolVrsn>12</PrtcolVrsn>
			<XchgId>149</XchgId>
			<CreDtTm>2025-01-20T17:17:17.264Z</CreDtTm>
		</Hdr>
		<AuthstnReq>
			<Envt>
				<Mrchnt>
					<Id>
						<Id>mer_123</Id>
						<Tp>MERC</Tp>
						<Issr>ITAG</Issr>
					</Id>
					<CmonNm>Example Merchant 123</CmonNm>
					<LctnCtgy>FIXD</LctnCtgy>
					<LctnAndCtct>
						<PstlAdr>
							<TwnNm>Greenham</TwnNm>
							<CtryCd>GB</CtryCd>
						</PstlAdr>
					</LctnAndCtct>
				</Mrchnt>
				<POI>
					<Id>
						<Id>poi_66000001</Id>
						<Tp>OPOI</Tp>
						<Issr>ITAG</Issr>
					</Id>
					<Cpblties>
						<CardRdngCpblties>CICC</CardRdngCpblties>
						<CardRdngCpblties>MGST</CardRdngCpblties>
						<CardRdngCpblties>PHYS</CardRdngCpblties>
						<CrdhldrVrfctnCpblties>MNSG</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>FCPN</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>FEPN</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>NPIN</CrdhldrVrfctnCpblties>
						<OnLineCpblties>SMON</OnLineCpblties>
						<MsgCpblties>
							<Dstn>CDSP</Dstn>
							<NbOfLines>2</NbOfLines>
							<LineWidth>20</LineWidth>
						</MsgCpblties>
						<MsgCpblties>
							<Dstn>MDSP</Dstn>
							<NbOfLines>2</NbOfLines>
							<LineWidth>40</LineWidth>
						</MsgCpblties>
					</Cpblties>
					<Cmpnt>
						<Tp>TERM</Tp>
						<Id>
							<ItmNb>1</ItmNb>
							<PrvdrId>Miura</PrvdrId>
							<Id>M021</Id>
							<SrlNb>021-100222</SrlNb>
						</Id>
					</Cmpnt>
				</POI>
				<Card>
					<PlainCardData>
						<PAN>5071009999100013</PAN>
						<CardSeqNb>01</CardSeqNb>
						<FctvDt>2024-06</FctvDt>
						<XpryDt>2027-01</XpryDt>
						<SvcCd>901</SvcCd>
					</PlainCardData>
				</Card>
				<Crdhldr>
					<TxVrfctnRslt>
						<Mtd>FPIN</Mtd>
						<VrfctnNtty>ICCD</VrfctnNtty>
						<Rslt>SUCC</Rslt>
					</TxVrfctnRslt>
				</Crdhldr>
			</Envt>
			<Cntxt>
				<PmtCntxt>
					<CardPres>true</CardPres>
					<CrdhldrPres>true</CrdhldrPres>
					<AttndncCntxt>ATTD</AttndncCntxt>
					<AttndntMsgCpbl>true</AttndntMsgCpbl>
					<AttndntLang>en</AttndntLang>
					<CardDataNtryMd>CICC</CardDataNtryMd>
				</PmtCntxt>
			</Cntxt>
			<Tx>
				<TxCaptr>true</TxCaptr>
				<TxTp>CRDP</TxTp>
				<MrchntCtgyCd>5462</MrchntCtgyCd>
				<TxId>
					<TxDtTm>2025-01-20T17:17:17.264Z</TxDtTm>
					<TxRef>002949</TxRef>
				</TxId>
				<TxDtls>
					<Ccy>GBP</Ccy>
					<TtlAmt>48.12</TtlAmt>
					<OnLineRsn>ICCF</OnLineRsn>
					<ICCRltdData>XyoCCXhfNAEAggJ8AIQHoAAAAAk1EJUFAAAAgACaAxEEEZwBAJ8CBgAAAABDFJ8JAgACnxASAhCngAMEAACfIQAAAAAAAAD/nxoCAlCfJgguPqsXzuxQDJ8nAYCfMwNgoECfNANEAwKfNQEinzYCABafNwS8demzn0AFoACQ8AGfTAifIbAuDurEVA==</ICCRltdData>
				</TxDtls>
			</Tx>
		</AuthstnReq>
		<SctyTrlr>
			<CnttTp>AUTH</CnttTp>
			<AuthntcdData>
				<Rcpt>
					<KeyIdr>
					  <KeyId>SpecV1TestKey</KeyId>
					  <KeyVrsn>1</KeyVrsn>
					</KeyIdr>
				</Rcpt>
				<MACAlgo>
					<Algo>CCA3</Algo>
				</MACAlgo>
				<NcpsltdCntt>
					<CnttTp>DATA</CnttTp>
				</NcpsltdCntt>
				<MAC>9xIobnJ/PyaB10EB4L6N4w==</MAC>
			</AuthntcdData>
		</SctyTrlr>
	</AccptrAuthstnReq>
</Document>
```

## Example Authorisation Request - Encrypted Card Data

```xml
<?xml version="1.0" encoding="UTF-8"?>
<Document
	xmlns:None="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.12"
	xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
	xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.12">
	<AccptrAuthstnReq>
		<Hdr>
			<MsgFctn>AUTQ</MsgFctn>
			<PrtcolVrsn>12</PrtcolVrsn>
			<XchgId>149</XchgId>
			<CreDtTm>2025-01-20T17:17:17.264Z</CreDtTm>
			<InitgPty>
				<Id>poi_66000001</Id>
				<Tp>OPOI</Tp>
				<Issr>ITAG</Issr>
			</InitgPty>
		</Hdr>
		<AuthstnReq>
			<Envt>
				<Mrchnt>
					<Id>
						<Id>mer_123</Id>
						<Tp>MERC</Tp>
						<Issr>ITAG</Issr>
					</Id>
					<CmonNm>Example Merchant 123</CmonNm>
					<LctnCtgy>FIXD</LctnCtgy>
					<LctnAndCtct>
						<PstlAdr>
							<TwnNm>Greenham</TwnNm>
							<CtryCd>GB</CtryCd>
						</PstlAdr>
					</LctnAndCtct>
				</Mrchnt>
				<POI>
					<Id>
						<Id>poi_66000001</Id>
						<Tp>OPOI</Tp>
						<Issr>ITAG</Issr>
					</Id>
					<Cpblties>
						<CardRdngCpblties>CICC</CardRdngCpblties>
						<CardRdngCpblties>MGST</CardRdngCpblties>
						<CardRdngCpblties>PHYS</CardRdngCpblties>
						<CrdhldrVrfctnCpblties>MNSG</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>FCPN</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>FEPN</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>NPIN</CrdhldrVrfctnCpblties>
						<OnLineCpblties>SMON</OnLineCpblties>
						<MsgCpblties>
							<Dstn>CDSP</Dstn>
							<NbOfLines>2</NbOfLines>
							<LineWidth>20</LineWidth>
						</MsgCpblties>
						<MsgCpblties>
							<Dstn>MDSP</Dstn>
							<NbOfLines>2</NbOfLines>
							<LineWidth>40</LineWidth>
						</MsgCpblties>
					</Cpblties>
					<Cmpnt>
						<Tp>TERM</Tp>
						<Id>
							<ItmNb>1</ItmNb>
							<PrvdrId>Miura</PrvdrId>
							<Id>M021</Id>
							<SrlNb>021-100222</SrlNb>
						</Id>
					</Cmpnt>
				</POI>
				<Card>
					<PrtctdCardData>
						<CnttTp>EVLP</CnttTp>
						<EnvlpdData>
							<Rcpt>
								<KEK>
									<KEKId>
										<KeyId>SpecV1TestKey</KeyId>
										<KeyVrsn>2010060715</KeyVrsn>
										<DerivtnId>OYclpQE=</DerivtnId>
									</KEKId>
									<KeyNcrptnAlgo>
										<Algo>DKP9</Algo>
									</KeyNcrptnAlgo>
									<NcrptdKey>4pAgABc=</NcrptdKey>
								</KEK>
							</Rcpt>
							<NcrptdCntt>
								<CnttTp>DATA</CnttTp>
								<CnttNcrptnAlgo>
									<Algo>DKP9</Algo>
								</CnttNcrptnAlgo>
								<NcrptdData>68a9d6dc72f3430444f28cff50e91732c9cd6d9409931701d1fe9511e60d87982fd41a339b7b217e</NcrptdData>
							</NcrptdCntt>
						</EnvlpdData>
					</PrtctdCardData>
				</Card>
				<Crdhldr>
					<TxVrfctnRslt>
						<Mtd>FPIN</Mtd>
						<VrfctnNtty>ICCD</VrfctnNtty>
						<Rslt>SUCC</Rslt>
					</TxVrfctnRslt>
				</Crdhldr>
			</Envt>
			<Cntxt>
				<PmtCntxt>
					<CardPres>true</CardPres>
					<CrdhldrPres>true</CrdhldrPres>
					<AttndncCntxt>ATTD</AttndncCntxt>
					<AttndntMsgCpbl>true</AttndntMsgCpbl>
					<AttndntLang>en</AttndntLang>
					<CardDataNtryMd>CICC</CardDataNtryMd>
				</PmtCntxt>
			</Cntxt>
			<Tx>
				<TxCaptr>true</TxCaptr>
				<TxTp>CRDP</TxTp>
				<MrchntCtgyCd>5462</MrchntCtgyCd>
				<TxId>
					<TxDtTm>2025-01-20T17:17:17.264Z</TxDtTm>
					<TxRef>002949</TxRef>
				</TxId>
				<TxDtls>
					<Ccy>GBP</Ccy>
					<TtlAmt>48.12</TtlAmt>
					<OnLineRsn>ICCF</OnLineRsn>
					<ICCRltdData>XyoCCXhfNAEAggJ8AIQHoAAAAAk1EJUFAAAAgACaAxEEEZwBAJ8CBgAAAABDFJ8JAgACnxASAhCngAMEAACfIQAAAAAAAAD/nxoCAlCfJgguPqsXzuxQDJ8nAYCfMwNgoECfNANEAwKfNQEinzYCABafNwS8demzn0AFoACQ8AGfTAifIbAuDurEVA==</ICCRltdData>
				</TxDtls>
			</Tx>
		</AuthstnReq>
		<SctyTrlr>
			<CnttTp>AUTH</CnttTp>
			<AuthntcdData>
				<Rcpt>
					<KeyIdr>
					  <KeyId>SpecV1TestKey</KeyId>
					  <KeyVrsn>1</KeyVrsn>
					</KeyIdr>
				</Rcpt>
				<MACAlgo>
					<Algo>CCA3</Algo>
				</MACAlgo>
				<NcpsltdCntt>
					<CnttTp>DATA</CnttTp>
				</NcpsltdCntt>
				<MAC>9xIobnJ/PyaB10EB4L6N4w==</MAC>
			</AuthntcdData>
		</SctyTrlr>
	</AccptrAuthstnReq>
</Document>
```

## Example Authorisation response

```xml
<?xml version="1.0" encoding="UTF-8"?>
<Document
	xmlns:None="urn:iso:std:iso:20022:tech:xsd:caaa.002.001.09"
	xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
	xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.002.001.09">
	<AccptrAuthstnRspn>
		<Hdr>
			<MsgFctn>AUTQ</MsgFctn>
			<PrtcolVrsn>12</PrtcolVrsn>
			<XchgId>149</XchgId>
			<CreDtTm>2025-01-20T17:17:19.332Z</CreDtTm>
			<InitgPty>
				<Id>66000001</Id>
				<Tp>OPOI</Tp>
				<Issr>OPOI</Issr>
			</InitgPty>
			<RcptPty>
				<Id>toro-gateway</Id>
				<Tp>ITAG</Tp>
			</RcptPty>
		</Hdr>
		<AuthstnRspn>
			<Envt>
				<Mrchnt>
					<Id>
						<Id>EXAMPLEMER123</Id>
						<Tp>MERC</Tp>
						<Issr>ACQR</Issr>
					</Id>
					<CmonNm>Example Merchant 123</CmonNm>
					<LctnCtgy>FIXD</LctnCtgy>
					<LctnAndCtct>
						<PstlAdr>
							<TwnNm>Greenham</TwnNm>
							<CtryCd>GB</CtryCd>
						</PstlAdr>
					</LctnAndCtct>
				</Mrchnt>
				<Card>
				    <MskdPAN>42424242****4242</MskdPAN>
					<CardCtryCd>056</CardCtryCd>
					<CardBrnd>TestCard</CardBrnd>
				</Card>
			</Envt>
			<Tx>
				<TxId>
					<TxDtTm>2025-01-20T17:17:17.264Z</TxDtTm>
					<TxRef>002949</TxRef>
				</TxId>
				<TxDtls>
					<Ccy>GBP</Ccy>
					<TtlAmt>48.12</TtlAmt>
					<ICCRltdData>kQp05S/FnWreKgASigIwMA==</ICCRltdData>
				</TxDtls>
			</Tx>
			<TxRspn>
				<AuthstnRslt>
					<AuthstnNtty>
						<Tp>CISS</Tp>
					</AuthstnNtty>
					<RspnToAuthstn>
						<Rspn>APPR</Rspn>
					</RspnToAuthstn>
					<AuthstnCd>032983</AuthstnCd>
					<CmpltnReqrd>false</CmpltnReqrd>
				</AuthstnRslt>
			</TxRspn>
		</AuthstnRspn>
		<SctyTrlr>
			<CnttTp>AUTH</CnttTp>
			<AuthntcdData>
				<Rcpt>
					<KeyIdr>
					  <KeyId>SpecV1TestKey</KeyId>
					  <KeyVrsn>1</KeyVrsn>
					</KeyIdr>
				</Rcpt>
				<MACAlgo>
					<Algo>CCA3</Algo>
				</MACAlgo>
				<NcpsltdCntt>
					<CnttTp>DATA</CnttTp>
				</NcpsltdCntt>
				<MAC>9xIobnJ/PyaB10EB4L6N4w==</MAC>
			</AuthntcdData>
		</SctyTrlr>
	</AccptrAuthstnRspn>
</Document>
```

## Example Refund Request

```xml
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.13">
	<AccptrAuthstnReq>
		<Hdr>
			<MsgFctn>FAUQ</MsgFctn>
			<PrtcolVrsn>9.0</PrtcolVrsn>
			<XchgId>954900253665113</XchgId>
			<CreDtTm>2025-02-04T12:14:03.746Z</CreDtTm>
			<InitgPty>
				<Id>TEST_RUNNER</Id>
				<Tp>OPOI</Tp>
				<Issr>ACCP</Issr>
			</InitgPty>
			<RcptPty>
				<Id>shift4</Id>
				<Tp>ACQR</Tp>
			</RcptPty>
		</Hdr>
		<AuthstnReq>
			<Envt>
				<Mrchnt>
					<Id>
						<Id>EPASMER001</Id>
					</Id>
					<CmonNm>EPASOrg Merchant 1</CmonNm>
					<LctnCtgy>FIXD</LctnCtgy>
					<LctnAndCtct>
						<PstlAdr>
							<TwnNm>Paris</TwnNm>
							<CtryCd>FR</CtryCd>
						</PstlAdr>
					</LctnAndCtct>
				</Mrchnt>
				<POI>
					<Id>
						<Id>poi_12345abcde</Id>
						<Issr>ACQR</Issr>
					</Id>
					<SysNm>POI01</SysNm>
					<Cpblties>
						<CrdhldrVrfctnCpblties>FCPN</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>MNSG</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>FEPN</CrdhldrVrfctnCpblties>
						<CrdhldrVrfctnCpblties>NPIN</CrdhldrVrfctnCpblties>
					</Cpblties>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-OPDOL.CFG</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-AACDOL.CFG</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-ARQCDOL.CFG</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-TDOL.CFG</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-TCDOL.CFG</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-TRMDOL.CFG</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-contactless.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-emv.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-MPI-Dynamic.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-P2PEDOL.CFG</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-ctls-prompts.txt</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>mSdk-V0.1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-numeric-entry.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>Miura-V1-1</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-battery.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>Miura-V1-0</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-sred-mag.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>0.2</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-emv-data-validation.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>Miura-V2-2</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-capkeys.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>TESTCAPK-V2-26</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>APPR</Tp>
						<SubTpInf>MPIConfig-tip-templates.cfg</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>1.01</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>TERM</Tp>
						<Id>
							<PrvdrId>miura</PrvdrId>
							<Id>M021-TEST01-V3-4</Id>
							<SrlNb>21100222</SrlNb>
						</Id>
					</Cmpnt>
					<Cmpnt>
						<Tp>MDWR</Tp>
						<SubTpInf>MPI</SubTpInf>
						<Id>
							<PrvdrId>miura</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>1-68</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>OPST</Tp>
						<SubTpInf>OS</SubTpInf>
						<Id>
							<PrvdrId>miura</PrvdrId>
						</Id>
						<Sts>
							<VrsnNb>9-7</VrsnNb>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>SCPR</Tp>
						<SubTpInf>PINKey</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<Sts>OPER</Sts>
						</Sts>
					</Cmpnt>
					<Cmpnt>
						<Tp>SCPR</Tp>
						<SubTpInf>SREDKey</SubTpInf>
						<Id>
							<PrvdrId>ccs</PrvdrId>
						</Id>
						<Sts>
							<Sts>OPER</Sts>
						</Sts>
					</Cmpnt>
				</POI>
				<Card>
					<PrtctdCardData>
						<CnttTp>EVLP</CnttTp>
						<EnvlpdData>
							<Rcpt>
								<KEK>
									<KEKId>
										<KeyId>sred-key-id</KeyId>
										<KeyVrsn>0</KeyVrsn>
										<DerivtnId>ijSxBQfa+gAEdw==</DerivtnId>
									</KEKId>
									<KeyNcrptnAlgo>
										<Algo>DKP9</Algo>
									</KeyNcrptnAlgo>
								</KEK>
							</Rcpt>
							<NcrptdCntt>
								<CnttTp>DATA</CnttTp>
								<NcrptdData>kSI1uipr1axvVoLkEeEdBDKU25eQ+KTXZeQd/23aa7o=</NcrptdData>
							</NcrptdCntt>
						</EnvlpdData>
					</PrtctdCardData>
				</Card>
				<Crdhldr>
					<Authntcn>
						<AuthntcnMtd>UKNW</AuthntcnMtd>
					</Authntcn>
				</Crdhldr>
			</Envt>
			<Cntxt>
				<PmtCntxt>
					<CardPres>true</CardPres>
					<CrdhldrPres>true</CrdhldrPres>
					<AttndncCntxt>ATTD</AttndncCntxt>
					<TxChanl>MPOS</TxChanl>
					<AttndntMsgCpbl>true</AttndntMsgCpbl>
					<CardDataNtryMd>ECTL</CardDataNtryMd>
					<FllbckInd>NFLB</FllbckInd>
					<SpprtdOptn>PART</SpprtdOptn>
					<SpprtdOptn>PINQ</SpprtdOptn>
				</PmtCntxt>
				<SaleCntxt>
					<SaleRcncltnId>088957484109</SaleRcncltnId>
				</SaleCntxt>
			</Cntxt>
			<Tx>
				<TxCaptr>true</TxCaptr>
				<TxTp>RFND</TxTp>
				<MrchntCtgyCd>5411</MrchntCtgyCd>
				<SaleRefId>refund_71235291SBGW9L6O2R89</SaleRefId>
				<TxId>
					<TxDtTm>2025-02-04T12:14:03.757Z</TxDtTm>
					<TxRef>088957484109</TxRef>
				</TxId>
				<OrgnlTx>
					<SaleRefId>purchase_13487656SPZ35XEYHXSQ</SaleRefId>
					<TxId>
						<TxDtTm>2025-02-04T11:44:13.224Z</TxDtTm>
						<TxRef>132492614212</TxRef>
					</TxId>
					<POIId>
						<Id>21100222</Id>
					</POIId>
					<RcptTxId>01:34798f789423sdjs</RcptTxId>
					<TxTp>CRDP</TxTp>
					<CardDataNtryMd>ECTL</CardDataNtryMd>
					<TxRslt>
						<RspnToAuthstn>
							<Rspn>APPR</Rspn>
						</RspnToAuthstn>
						<AuthstnCd>414996</AuthstnCd>
					</TxRslt>
				</OrgnlTx>
				<RcncltnId>088957484109</RcncltnId>
				<TxDtls>
					<Ccy>GBP</Ccy>
					<TtlAmt>10.00</TtlAmt>
					<ICCRltdData>ggIZgIQHoAAAAAQQEJUFAAAEgAGaAyUCBJwBIF8qAgl4nwIGAAAAAEAAnwMGAAAAAAAAnwkCAAKfEBIBEIAAACAAAAAAAAAAAAAAAACfGgIAVp8eCDIxMTAwMjIynyYIWh3kDG9/+wKfJwEAnzMDIGAInzQDQgMAnzUBIp82AgAEnzcEk7iE8V80AQE=</ICCRltdData>
				</TxDtls>
			</Tx>
		</AuthstnReq>
		<SctyTrlr>
			<CnttTp>AUTH</CnttTp>
			<AuthntcdData>
				<Rcpt>
					<KeyIdr>
						<KeyId>SpecV1TestKey</KeyId>
						<KeyVrsn>1</KeyVrsn>
					</KeyIdr>
				</Rcpt>
				<MACAlgo>
					<Algo>CCA3</Algo>
				</MACAlgo>
				<NcpsltdCntt>
					<CnttTp>DATA</CnttTp>
				</NcpsltdCntt>
				<MAC>vFGH9Ht4Nq9PbxYHDyJ0uw==</MAC>
			</AuthntcdData>
		</SctyTrlr>
	</AccptrAuthstnReq>
</Document>
```

Please be aware that the value in the `<RcptTxId>` field must be taken from the same field in the response body of the initial transaction for which the attempted refund is being completed for.

## Example Refund Response

```xml
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns:None="urn:iso:std:iso:20022:tech:xsd:caaa.002.001.12" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.002.001.12">
    <AccptrAuthstnRspn>
        <Hdr>
            <MsgFctn>FAUP</MsgFctn>
            <PrtcolVrsn>9.0</PrtcolVrsn>
            <XchgId>954900253665113</XchgId>
            <CreDtTm>2025-12-12T12:50:02.472Z</CreDtTm>
            <InitgPty>
                <Id>TEST_RUNNER</Id>
                <Tp>OPOI</Tp>
                <Issr>ACCP</Issr>
            </InitgPty>
            <RcptPty>
                <Id>shift4</Id>
                <Tp>ACQR</Tp>
            </RcptPty>
        </Hdr>
        <AuthstnRspn>
            <Envt>
                <Mrchnt>
                    <Id>
                        <Id>EPASMER001</Id>
                    </Id>
                    <CmonNm>EPASOrg Merchant 1</CmonNm>
                    <LctnCtgy>FIXD</LctnCtgy>
                    <LctnAndCtct>
                        <PstlAdr>
                            <TwnNm>Paris</TwnNm>
                            <CtryCd>FR</CtryCd>
                        </PstlAdr>
                    </LctnAndCtct>
                </Mrchnt>
                <POI>
                    <Id>
                        <Id>poi_12345abcde</Id>
                        <Issr>ACQR</Issr>
                    </Id>
                    <SysNm>POI01</SysNm>
                    <Cpblties>
                        <CrdhldrVrfctnCpblties>FCPN</CrdhldrVrfctnCpblties>
                        <CrdhldrVrfctnCpblties>MNSG</CrdhldrVrfctnCpblties>
                        <CrdhldrVrfctnCpblties>FEPN</CrdhldrVrfctnCpblties>
                        <CrdhldrVrfctnCpblties>NPIN</CrdhldrVrfctnCpblties>
                    </Cpblties>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-OPDOL.CFG</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-AACDOL.CFG</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-ARQCDOL.CFG</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-TDOL.CFG</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-TCDOL.CFG</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-TRMDOL.CFG</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-contactless.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-emv.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-MPI-Dynamic.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-P2PEDOL.CFG</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-ctls-prompts.txt</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>mSdk-V0.1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-numeric-entry.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>Miura-V1-1</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-battery.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>Miura-V1-0</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-sred-mag.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>0.2</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-emv-data-validation.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>Miura-V2-2</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-capkeys.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>TESTCAPK-V2-26</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APPR</Tp>
                        <SubTpInf>MPIConfig-tip-templates.cfg</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>1.01</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>TERM</Tp>
                        <Id>
                            <PrvdrId>miura</PrvdrId>
                            <Id>M021-TEST01-V3-4</Id>
                            <SrlNb>21100222</SrlNb>
                        </Id>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>MDWR</Tp>
                        <SubTpInf>MPI</SubTpInf>
                        <Id>
                            <PrvdrId>miura</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>1-68</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>OPST</Tp>
                        <SubTpInf>OS</SubTpInf>
                        <Id>
                            <PrvdrId>miura</PrvdrId>
                        </Id>
                        <Sts>
                            <VrsnNb>9-7</VrsnNb>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>SCPR</Tp>
                        <SubTpInf>PINKey</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <Sts>OPER</Sts>
                        </Sts>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>SCPR</Tp>
                        <SubTpInf>SREDKey</SubTpInf>
                        <Id>
                            <PrvdrId>ccs</PrvdrId>
                        </Id>
                        <Sts>
                            <Sts>OPER</Sts>
                        </Sts>
                    </Cmpnt>
                </POI>
                <Card>
                    <PrtctdCardData>
                        <CnttTp>EVLP</CnttTp>
                        <EnvlpdData>
                            <Rcpt>
                                <KEK>
                                    <KEKId>
                                        <KeyId>sred-key-id</KeyId>
                                        <KeyVrsn>0</KeyVrsn>
                                        <DerivtnId>ijSxBQfa+gAEdw==</DerivtnId>
                                    </KEKId>
                                    <KeyNcrptnAlgo>
                                        <Algo>DKP9</Algo>
                                    </KeyNcrptnAlgo>
                                </KEK>
                            </Rcpt>
                            <NcrptdCntt>
                                <CnttTp>DATA</CnttTp>
                                <NcrptdData>kSI1uipr1axvVoLkEeEdBDKU25eQ+KTXZeQd/23aa7o=</NcrptdData>
                            </NcrptdCntt>
                        </EnvlpdData>
                    </PrtctdCardData>
                </Card>
                <Crdhldr>
                    <Authntcn>
                        <AuthntcnMtd>UKNW</AuthntcnMtd>
                    </Authntcn>
                </Crdhldr>
            </Envt>
            <Tx>
                <SaleRefId>refund_71235291SBGW9L6O2R89</SaleRefId>
                <TxId>
                    <TxDtTm>2025-02-04T12:14:03.757Z</TxDtTm>
                    <TxRef>088957484109</TxRef>
                </TxId>
                <RcptTxId>05:XZZ01223ff227456EDFN7JBRKHVWVDO5</RcptTxId>
                <RcncltnId>088957484109</RcncltnId>
                <TxDtls>
                    <Ccy>GBP</Ccy>
                    <TtlAmt>10.00</TtlAmt>
                    <ReqdAmt>10.00</ReqdAmt>
                    <AuthrsdAmt>10.00</AuthrsdAmt>
                    <ICCRltdData>igIwMIkGMDA2ODM2</ICCRltdData>
                </TxDtls>
            </Tx>
            <TxRspn>
                <AuthstnRslt>
                    <AuthstnNtty>
                        <Tp>ACQR</Tp>
                    </AuthstnNtty>
                    <RspnToAuthstn>
                        <Rspn>APPR</Rspn>
                        <RspnRsn>Approved or completed successfully</RspnRsn>
                    </RspnToAuthstn>
                    <AuthstnCd>006836</AuthstnCd>
                    <CmpltnReqrd>false</CmpltnReqrd>
                </AuthstnRslt>
            </TxRspn>
        </AuthstnRspn>
        <SctyTrlr>
            <CnttTp>AUTH</CnttTp>
            <AuthntcdData>
                <Vrsn>0</Vrsn>
                <Rcpt>
                    <KeyIdr>
                        <KeyId>SpecV1TestKey</KeyId>
                        <KeyVrsn>1</KeyVrsn>
                    </KeyIdr>
                </Rcpt>
                <MACAlgo>
                    <Algo>CCA3</Algo>
                </MACAlgo>
                <NcpsltdCntt>
                    <CnttTp>DATA</CnttTp>
                </NcpsltdCntt>
                <MAC>JFSPxVKD2ZZY6+QcbVatug==</MAC>
            </AuthntcdData>
        </SctyTrlr>
    </AccptrAuthstnRspn>
</Document>
```