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Getting started

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The following steps help you proceed one by one - first you setup the two factor authentication (client certificate / basic auth) so that you can run request without card present related encryption. After that and having set up cryptography on your end, you can send fully qualified requests with PIN block and SRED data, as later in production.

  1. install JayaKeystore (JKS) certificate (or key / pem file) obtained from Fiserv
  2. Setup user / password obtained from fiserv for basic authentication
  3. Establish connectivity with test environment: https://test3.ipg-online.com/epas/v1
  4. Send diagnostic messages (unencrypted)
    example see below
  5. Send authorization request (unencrypted)
  6. Terminal provider:
    Send message from previous steps with encrypted card data
  7. Contact your Fiserv contact for further steps

Message examples

Sale (purchase) - encrypted 
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.06" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <AccptrAuthstnReq>
        <Hdr>
            <MsgFctn>FAUQ</MsgFctn>
            <PrtcolVrsn>6.0</PrtcolVrsn>
            <XchgId>005</XchgId>
            <CreDtTm>2023-09-25T16:19:22.7+00:00</CreDtTm>
            <InitgPty>
                <Id>19191919</Id>
                <Tp>OPOI</Tp>
                <ShrtNm>ShortNameExample</ShrtNm>
            </InitgPty>
        </Hdr>
        <AuthstnReq>
            <Envt>
                <Acqrr>
                    <Id>
                        <Id>001</Id>
                    </Id>
                    <ParamsVrsn>202309999913228</ParamsVrsn>
                </Acqrr>
                <Mrchnt>
                    <Id>
                        <Id>9999945001014</Id>
                    </Id>
                    <CmonNm>MerchantName 78964 </CmonNm>
                </Mrchnt>
                <POI>
                    <Id>
                        <Id>ABC1234D</Id>
                        <Tp>OPOI</Tp>
                        <ShrtNm>ABC1234D</ShrtNm>
                    </Id>
                    <GrpId>9999001014</GrpId>
                    <Cpblties>
                        <CardRdngCpblties>MGST</CardRdngCpblties>
                        <CardRdngCpblties>CICC</CardRdngCpblties>
                        <CardRdngCpblties>ECTL</CardRdngCpblties>
                        <CardRdngCpblties>PHYS</CardRdngCpblties>
                        <CrdhldrVrfctnCpblties>FCPN</CrdhldrVrfctnCpblties>
                        <CrdhldrVrfctnCpblties>FEPN</CrdhldrVrfctnCpblties>
                        <CrdhldrVrfctnCpblties>NPIN</CrdhldrVrfctnCpblties>
                        <CrdhldrVrfctnCpblties>OTHR</CrdhldrVrfctnCpblties>
                        <ApprvlCdLngth>6</ApprvlCdLngth>
                        <OnLineCpblties>SMON</OnLineCpblties>
                        <MsgCpblties>
                            <Dstn>CDSP</Dstn>
                            <AvlblFrmt>TEXT</AvlblFrmt>
                            <NbOfLines>4</NbOfLines>
                            <LineWidth>32</LineWidth>
                            <AvlblLang>es</AvlblLang>
                            <AvlblLang>bg</AvlblLang>
                            <AvlblLang>cs</AvlblLang>
                            <AvlblLang>da</AvlblLang>
                            <AvlblLang>nl</AvlblLang>
                            <AvlblLang>en</AvlblLang>
                            <AvlblLang>hr</AvlblLang>
                            <AvlblLang>fi</AvlblLang>
                            <AvlblLang>fr</AvlblLang>
                            <AvlblLang>de</AvlblLang>
                            <AvlblLang>el</AvlblLang>
                            <AvlblLang>hu</AvlblLang>
                            <AvlblLang>it</AvlblLang>
                            <AvlblLang>is</AvlblLang>
                            <AvlblLang>lv</AvlblLang>
                            <AvlblLang>lt</AvlblLang>
                            <AvlblLang>mt</AvlblLang>
                            <AvlblLang>no</AvlblLang>
                            <AvlblLang>pl</AvlblLang>
                            <AvlblLang>pt</AvlblLang>
                            <AvlblLang>ro</AvlblLang>
                            <AvlblLang>sk</AvlblLang>
                            <AvlblLang>si</AvlblLang>
                            <AvlblLang>sv</AvlblLang>
                        </MsgCpblties>
                        <MsgCpblties>
                            <Dstn>CRCP</Dstn>
                            <AvlblFrmt>TEXT</AvlblFrmt>
                            <NbOfLines>4</NbOfLines>
                            <LineWidth>32</LineWidth>
                            <AvlblLang>es</AvlblLang>
                            <AvlblLang>bg</AvlblLang>
                            <AvlblLang>cs</AvlblLang>
                            <AvlblLang>da</AvlblLang>
                            <AvlblLang>nl</AvlblLang>
                            <AvlblLang>en</AvlblLang>
                            <AvlblLang>hr</AvlblLang>
                            <AvlblLang>fi</AvlblLang>
                            <AvlblLang>fr</AvlblLang>
                            <AvlblLang>de</AvlblLang>
                            <AvlblLang>el</AvlblLang>
                            <AvlblLang>hu</AvlblLang>
                            <AvlblLang>it</AvlblLang>
                            <AvlblLang>is</AvlblLang>
                            <AvlblLang>lv</AvlblLang>
                            <AvlblLang>lt</AvlblLang>
                            <AvlblLang>mt</AvlblLang>
                            <AvlblLang>no</AvlblLang>
                            <AvlblLang>pl</AvlblLang>
                            <AvlblLang>pt</AvlblLang>
                            <AvlblLang>ro</AvlblLang>
                            <AvlblLang>sk</AvlblLang>
                            <AvlblLang>si</AvlblLang>
                            <AvlblLang>sv</AvlblLang>
                        </MsgCpblties>
                    </Cpblties>
                    <Cmpnt>
                        <Tp>TERM</Tp>
                        <Id>
                            <PrvdrId>GLOBALTERMTECHNOLOGY</PrvdrId>
                            <Id>ABMODEL010</Id>
                            <SrlNb>40999237</SrlNb>
                        </Id>
                    </Cmpnt>
                    <Cmpnt>
                        <Tp>APLI</Tp>
                        <Id>
                            <PrvdrId>SOFTWAREVENDOR</PrvdrId>
                            <Id>NEXO ANDROID PAYMENT APPLICATION</Id>
                        </Id>
                        <Sts>
                            <VrsnNb>2.0.28</VrsnNb>
                        </Sts>
                        <StdCmplc>
                            <Id>nexo-IS</Id>
                            <Vrsn>4.0</Vrsn>
                            <Issr>nexo</Issr>
                        </StdCmplc>
                        <Assmnt>
                            <Tp>CERT</Tp>
                            <Assgnr>OSCAR</Assgnr>
                            <Nb>ToComplete(giveByPayCert)</Nb>
                        </Assmnt>
                    </Cmpnt>
                </POI>
                <Card>
                    <PrtctdCardData>
                        <CnttTp>EVLP</CnttTp>
                        <EnvlpdData>
                            <Rcpt>
                                <KEK>
                                    <KEKId>
                                        <KeyId>xxxTestKey</KeyId>
                                        <KeyVrsn>20789xxx1911</KeyVrsn>
                                        <DerivtnId>fztzdftvzd=</DerivtnId>
                                    </KEKId>
                                    <KeyNcrptnAlgo>
                                        <Algo>DKP9</Algo>
                                    </KeyNcrptnAlgo>
                                    <NcrptdKey>F0xxxIs=</NcrptdKey>
                                </KEK>
                            </Rcpt>
                            <NcrptdCntt>
                                <CnttTp>DATA</CnttTp>
                                <CnttNcrptnAlgo>
                                    <Algo>E3DC</Algo>
                                </CnttNcrptnAlgo>
                                <NcrptdData>qwNppBadPxxxxxxxxxxxxxxdz+tCNdcWzx4d5xMba5x5SKs3nl4WZ7AayvYcI93RqG8c49aKNWRXm+6gdzhswtAHS/70nL4X7rSkSmVNX3PCDW8onf/kHID2bqkTeMfKtPSPGhJPIBtbqY6GmR3nPBzcQHErcq3giGUbUZ6fioWo28fsaHPh3WS5FU8dJ8/D7h7nKrNb7+8KqBXHx+1IyGMuZrymS7ew9Bg==</NcrptdData>
                            </NcrptdCntt>
                        </EnvlpdData>
                    </PrtctdCardData>
                    <IssrBIN>xx0107XX</IssrBIN>
                    <CardCtryCd>724</CardCtryCd>
                    <CardCcyCd>978</CardCcyCd>
                    <CardPdctPrfl>M</CardPdctPrfl>
                    <CardBrnd>M</CardBrnd>
                </Card>
                <Crdhldr>
                    <Lang>es</Lang>
                </Crdhldr>
            </Envt>
            <Cntxt>
                <PmtCntxt>
                    <CardPres>true</CardPres>
                    <CrdhldrPres>true</CrdhldrPres>
                    <AttndncCntxt>ATT</AttndncCntxt>
                    <CardDataNtryMd>ECTL</CardDataNtryMd>
                </PmtCntxt>
                <SaleCntxt>
                    <SaleId>1xxxxxxx37</SaleId>
                </SaleCntxt>
            </Cntxt>
            <Tx>
                <TxCaptr>true</TxCaptr>
                <TxTp>CRDP</TxTp>
                <MrchntCtgyCd>xx99</MrchntCtgyCd>
                <CstmrCnsnt>false</CstmrCnsnt>
                <CardPrgrmmApld>MASTERCARD</CardPrgrmmApld>
                <TxId>
                    <TxDtTm>2023-xx-xxT16:xx:22.7+00:00</TxDtTm>
                    <TxRef>xxx86</TxRef>
                </TxId>
                <RcncltnId>1</RcncltnId>
                <TxDtls>
                    <Ccy>EUR</Ccy>
                    <TtlAmt>1.00</TtlAmt>
                    <AmtQlfr>ACTL</AmtQlfr>
                    <OnLineRsn>FRLT</OnLineRsn>
                    <SaleItm>
                        <PdctCd>9</PdctCd>
                        <PdctAmt>1.00</PdctAmt>
                    </SaleItm>
                    <ICCRltdData>xxxx</ICCRltdData>
                </TxDtls>
                <AddtlTxData>/Card/CardProductProfile/0020</AddtlTxData>
            </Tx>
        </AuthstnReq>
        <SctyTrlr>
            <CnttTp>AUTH</CnttTp>
            <AuthntcdData>
                <Rcpt>
                    <KEK>
                        <KEKId>
                            <KeyId>xxxMacTestKey</KeyId>
                            <KeyVrsn>20xxx51911</KeyVrsn>
                            <DerivtnId>EAM3AAA=</DerivtnId>
                        </KEKId>
                        <KeyNcrptnAlgo>
                            <Algo>DKP9</Algo>
                        </KeyNcrptnAlgo>
                        <NcrptdKey>xxxxxx</NcrptdKey>
                    </KEK>
                </Rcpt>
                <MACAlgo>
                    <Algo>MCCS</Algo>
                </MACAlgo>
                <NcpsltdCntt>
                    <CnttTp>DATA</CnttTp>
                </NcpsltdCntt>
                <MAC>xxxxxxxxxxx</MAC>
            </AuthntcdData>
        </SctyTrlr>
    </AccptrAuthstnReq>
</Document>

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.002.001.06">
    <AccptrAuthstnRspn>
        <Hdr>
            <MsgFctn>FAUP</MsgFctn>
            <PrtcolVrsn>6.0</PrtcolVrsn>
            <XchgId>005</XchgId>
            <CreDtTm>2023-xx-25T18:19:xx.211+xx:00</CreDtTm>
            <InitgPty>
                <Id>19191919</Id>
            </InitgPty>
            <Tracblt>
                <RlayId>
                    <Id>7c2cbf04d41946eba98fd3b96f327461</Id>
                    <Tp>ACCP</Tp>
                </RlayId>
                <TracDtTmIn>2023-09-25T18:19:32.412+02:00</TracDtTmIn>
                <TracDtTmOut>2023-09-25T18:19:33.211+02:00</TracDtTmOut>
            </Tracblt>
        </Hdr>
        <AuthstnRspn>
            <Envt>
                <AcqrrId>
                    <Id>1</Id>
                </AcqrrId>
                <MrchntId>
                    <Id>9999945001014</Id>
                </MrchntId>
                <POIId>
                    <Id>ABC1234D</Id>
                    <ShrtNm>ABC1234D</ShrtNm>
                </POIId>
                <Card>
                    <CardBrnd>M</CardBrnd>
                </Card>
            </Envt>
            <Tx>
                <TxId>
                    <TxDtTm>2023-xx-xxT16:xx:22.7+00:00</TxDtTm>
                    <TxRef>xxx86</TxRef>
                </TxId>
                <RcptTxId>033xxxxxx0075</RcptTxId>
                <RcncltnId>1</RcncltnId>
                <TxDtls>
                    <Ccy>EUR</Ccy>
                    <TtlAmt>1.00</TtlAmt>
                    <ICCRltdData>xxxxxxxx</ICCRltdData>
                </TxDtls>
            </Tx>
            <TxRspn>
                <AuthstnRslt>
                    <AuthstnNtty>
                        <Tp>CISS</Tp>
                    </AuthstnNtty>
                    <RspnToAuthstn>
                        <Rspn>APPR</Rspn>
                        <RspnRsn>00:Function performed error-free</RspnRsn>
                    </RspnToAuthstn>
                    <AuthstnCd>xxx976</AuthstnCd>
                    <CmpltnReqrd>false</CmpltnReqrd>
                </AuthstnRslt>
            </TxRspn>
        </AuthstnRspn>
        <SctyTrlr>
            <CnttTp>AUTH</CnttTp>
            <AuthntcdData>
                <Rcpt>
                    <KEK>
                        <KEKId>
                            <KeyId>A2MacTestKey</KeyId>
                            <KeyVrsn>201xxxx11</KeyVrsn>
                            <DerivtnId>EAxxxxAA=</DerivtnId>
                        </KEKId>
                        <KeyNcrptnAlgo>
                            <Algo>DKP9</Algo>
                        </KeyNcrptnAlgo>
                        <NcrptdKey>FxxxxQ=</NcrptdKey>
                    </KEK>
                </Rcpt>
                <MACAlgo>
                    <Algo>MCCS</Algo>
                </MACAlgo>
                <NcpsltdCntt>
                    <CnttTp>DATA</CnttTp>
                </NcpsltdCntt>
                <MAC>xxxxx</MAC>
            </AuthntcdData>
        </SctyTrlr>
    </AccptrAuthstnRspn>
</Document>

📘

Further examples will be added in the future or can be provided on request

Certification

For a successful market entry in Germany support of Girocard is required.
For this a NEXO certification is required, which has to be executed with an approved certification agency.
Terminal certifications with the schemes are also mandatory. All certifications are required per terminal type.
For the integration via Fiserv's terminal connector (=Datawire) a separate integration test and certification with Fiserv's Datawire team is mandatory.

Updated 6 months ago

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First Data Europe Limited, is a subsidiary of Fiserv, Inc. and is trading as Fiserv. First Data Europe Limited, is a private limited company incorporated in England (Company Number 02012925) with a registered address at Janus House, Endeavour Drive, Basildon, Essex, SS14 3WF. First Data Europe Limited is authorised and regulated by the UK Financial Conduct Authority (FCA Register No. 582703; CCA No. 739230). All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.

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