Merchant e-solutions Payment Gateway FX Processing. Merchant e-solutions October 2008 Version 1.3

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1 Merchant e-solutions Payment Gateway FX Processing Merchant e-solutions October 2008 Version 1.3

2 This publication is for information purposes only and its content does not represent a contract in any form. Furthermore, this publication shall not be deemed to be a warranty of any kind, either express or implied. Merchant e-solutions expressly disclaims, and you expressly waive, any and all warranties, including without limitation those of merchantability and fitness for a particular purpose. Merchant e-solutions reserves the right to alter product specifications without notice. No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, or any information storage or retrieval system, without Merchant e-solutions permission. Trident Payment Systems Merchant e-solutions 2008 MasterCard is a federally registered trademark of MasterCard International, Inc. Visa is a federally registered trademark of Visa, U.S.A., Inc. ZIP code and ZIP + 4 are federally registered trademarks of the United States Postal Service.

3 Table of Contents Chapter 1 Related Documentation Applicable documents Related documents Document revisions... 2 Chapter 2 Overview Introduction... 3 Chapter 3 Transaction Flow Sale Refund Chargeback... 5 Chapter 4 Foreign Exchange (FX) Request/Response Fields Request and Response Fields... 7 Chapter 5 Foreign Exchange (FX) Transaction Types Transaction Types... 8 Chapter 6 Foreign Exchange (FX) Error Codes Error Codes... 9 Chapter 7 Foreign Exchange (FX) Validations Validations Chapter 8 - Source Code Samples Currency Lookup - Bad Country Code Currency Lookup - Germany Currency Lookup - Canada Convert Amount - Euro (alpha) - missing amount Convert Amount - Euro (alpha) Convert Amount - Euro (numeric) Convert Amount - Yen (alpha) Rate Lookup - Canadian Dollar (alpha) Rate Lookup - Euro (numeric) Rate Lookup - Full Rate Table Pre-Auth - Euro (numeric) - missing fx amount Pre-Auth - Euro (numeric) - missing rate id Pre-Auth - Euro (numeric) - expired rate id Pre-Auth - Euro (numeric) - foreign amount & base amount inconsistent Pre-Auth - Euro (numeric) Settlement of a Pre-Auth - partial Immediate Sale Refund United Kingdom, GBP Netherlands, EUR United States, USD Canada, CAD Merchant e-solutions, Inc. 1

4 Chapter 1 Related Documentation 1.1 Applicable documents This document describes the process for International credit card transactions, as well as foreign currency conversion within the Merchant e-solutions (MeS) Payment Gateway Application Programming Interface (API). The following documents provide additional definition and background information. Please refer to the related documents listed for applicable information. 1.2 Related documents Name Revision / generation Related topic Message Protocol Management VMP1 Converts existing gateway protocols MeS Back Office User Guide V2.0 MeS Payment Gateway Specifications User Guide to Gateway Back Office Functionality V2.6 Core specification document 1.3 Document revisions Chapter Action Data 4 Update 4.1, updated comments section for fx_amount field 2008 Merchant e-solutions, Inc. 2

5 Chapter 2 Overview 2.1 Introduction The Merchant e-solutions (MeS) Payment Gateway processes both U.S. and International credit cards transactions. In addition, the gateway facilitates foreign currency conversion. This process allows the merchant to present a transaction amount to their customer in their native currency while funding for the merchant remains in U.S. dollars. In addition, the currency conversion is set at a guaranteed rate and stays with the life of the transaction enabling refunds and chargeback s to be processed at the original amount of sale. Locking in a rate protects the merchant from fluctuating world currencies which in turn allows the merchant to operate in an efficient financial environment. The currency conversion table is available for download via the MeS Payment Gateway. Once loaded on the merchant s system it is then used to present a price to the customer. The table contains the hedge (markup) that is paid by the cardholder. When a transaction is submitted for authorization, the rate ID associated with the rate table must be presented. The MeS Payment Gateway will then validate that the rate ID is valid prior to submitting for authorization. If the rate ID is invalid or has expired, an error message will be returned indicating the rate ID is invalid or expired. This validation ensures that the rate submitted will be guaranteed throughout the life of the transaction. This document is intended to: Offer a basic understanding of foreign exchange processing Provide the specific technical information needed to submit a successful request and receive and interpret the resulting responses for presenting a specific currency amount to an end user Merchant e-solutions, Inc. 3

6 Chapter 3 Transaction Flow 3.1 Sale The following flow chart describes the transaction flow for a sale using the Merchant e- Solutions (MeS) FX service. 3.2 Refund The following flow chart describes the transaction flow for a refund using the Merchant e- Solutions (MeS) FX service Merchant e-solutions, Inc. 4

7 3.3 Chargeback The following flow chart describes the transaction flow for a refund using the Merchant e- Solutions (MeS) FX service Merchant e-solutions, Inc. 5

8 2008 Merchant e-solutions, Inc. 6

9 Chapter 4 Foreign Exchange (FX) Request/Response Fields 4.1 Request and Response Fields The following table contains Responses and Requests you may receive from the MeS Payment Gateway. Field Name Description Length Format Comments transaction_type Foreign exchange (FX) transaction type 1 A See transaction type table below fx_amount The amount of the transaction in the merchant base currency. 12 N Required for Immediate Sale (D), Pre- Authorization (P), Settle Pre-Auth (S), Refund (U), Credit (C), and FX Amount Conversion (F) transaction types. This field contains the amount the merchant expects to receive in the base currency. fx_rate_id FX Rate Table ID 10 N fx_rate FX Rate Data VAR XML fx_rate_table FX Rate Table VAR XML A full refund may be submitted without the fx_amount, however it is required for partial refunds. This field will be returned by a Get Rate (G) request for a specific currency code. The value of this field will be URL encoded. This field will be returned by a Get Rate (G) request where a currency code is not specified. This field will contain all the rates available for the merchant account. fx_expiration_date error_code FX Rate Table Expiration Date 3-character error code providing additional detail 23 TS The value of this field will be URL encoded. This field is returned by a successful FX Convert Amount (F) request. Format: MM/dd/yyyyhh24:mm:ssZZZ (no spaces) MM: 2-digit month dd: day of the month yyyy: year hh24: hour in 24-hour format (0-23) mm: minute ss: second ZZZ: time zone (example PST) 3 N See error code table below 2008 Merchant e-solutions, Inc. 7

10 Chapter 5 Foreign Exchange (FX) Transaction Types 5.1 Transaction Types The following table contains Transaction Types for the MeS Payment Gateway. Tran Type Description Comments F G L FX Convert Amount Get Rate(s) Lookup Currency Code Use this command to convert an amount in the base currency to the specified currency. This command returns the converted amount in transaction_amount, the rate table id used in fx_rate_id and the rate table expiration date in fx_expiration_date. Use this command to retrieve an individual currency rate or all the rates. Use the currency_code parameter in the request to receive a single rate. Given a valid country code OR IP address this method returns the currency code Merchant e-solutions, Inc. 8

11 Chapter 6 Foreign Exchange (FX) Error Codes 6.1 Error Codes The following table contains Error Codes you may receive from the MeS Payment Gateway. Code Error Description Required Action 224 FX rate ID invalid. Retry with a valid rate ID. 225 FX rate table has expired. Request a new rate table id for the currency, then retry the request with the valid rate table id. 226 FX rate lookup failed, retry request. The system failed to lookup the specified rate id. Retry the request FX rate ID required for foreign currency transactions. Converted amounts do no match FX rate. Retry the transaction with a valid rate table ID. Using the rate table requested, the fx_amount (in the base currency) does not match the transaction_amount (in cardholder currency). Retry the request with an updated transaction_amount or fx_amount. 229 Failed to find currency code for the requested country code. Retry request. 230 Failed to post transaction the FX service. Never returned by the API. 231 FX amount in base currency is required. Retry request with a valid fx_amount Merchant e-solutions, Inc. 9

12 Chapter 7 Foreign Exchange (FX) Validations 7.1 Validations The following additional validations will be performed on the Immediate Sale(D),Pre- Authorization(P), Settle Pre-Auth (S), Refund (U), Credit (C), and FX Amount Conversion (F) transaction types: A valid fx_rate_id is required for all non-us currency transactions for D and P transactions. A fx_amount is required for all non-us currency transactions. This amount must be in the base currency. If both a rate_id and a currency_code (optional) are provided the two must be consistent. The transaction_amount and the fx_amount must be consistent with the rate specified by the fx_rate_id. The following validations will be performed on the Get Rate(G) transaction type: If a currency_code (optional) is provided it must be a valid currency for the merchant. The following validations will be performed on the FX Convert Amount(F) transaction type: fx_amount is required. currency_code OR ip_address is required. The currency requested must be supported by the merchant Merchant e-solutions, Inc. 10

13 Chapter 8 - Source Code Samples This section contains source code samples. 8.1 Currency Lookup - Bad Country Code lgfkoll&transaction_type=l&country_code=bad transaction_id=error&error_code=229&auth_response_text=failed to find currency code for the requested country code. 8.2 Currency Lookup - Germany lgfkoll&transaction_type=l&country_code=de transaction_id=55b19c7ff83c3fa5a4ab69b3f5b5cf49&error_code=000&auth_r esponse_text=request Complete&currency_code=978&currency_code_alpha=EUR 8.3 Currency Lookup - Canada lgfkoll&transaction_type=l&country_code=ca transaction_id=ad9ab23ec9d330d7a2f4d7711c267d5c&error_code=000&auth_r esponse_text=request Complete&currency_code=124&currency_code_alpha=CAD 8.4 Convert Amount - Euro (alpha) - missing amount lgfkoll&transaction_type=f&currency_code=eur transaction_id=error&error_code=231&auth_response_text=fx amount in base currency is required. 8.5 Convert Amount - Euro (alpha) lgfkoll&transaction_type=f&currency_code=eur&fx_amount=50 transaction_id= e3be8902a b810&error_code=000&auth_r esponse_text=request Complete&fx_rate_id=32815&fx_expiration_date=01/16/ :45:00 PST&transaction_amount= Merchant e-solutions, Inc. 11

14 8.6 Convert Amount - Euro (numeric) lgfkoll&transaction_type=f&currency_code=978&fx_amount=50 transaction_id=024a2a3f31b23105bc996638ef829368&error_code=000&auth_r esponse_text=request Complete&fx_rate_id=32815&fx_expiration_date=01/16/ :45:00 PST&transaction_amount= Convert Amount - Yen (alpha) lgfkoll&transaction_type=f&currency_code=jpy&fx_amount=50 transaction_id=813e142521cb386aa15fc9e04593edc2&error_code=000&auth_r esponse_text=request Complete&fx_rate_id=32819&fx_expiration_date=01/16/ :45:00 PST&transaction_amount= Rate Lookup - Canadian Dollar (alpha) lgfkoll&transaction_type=g&currency_code=cad transaction_id= cedf38d985fef12dbcb57a22&error_code=000&auth_r esponse_text=request Complete&fx_rate=%3C%3Fxml+version%3D%221.0%22+encoding%3D%22ISO %22%3F%3E%0D%0A%3CFXRate%3E%0D%0A+%3CRateId%3E32809%3C%2FRateId%3E%0 D%0A+%3CMerchantCurrencyCode%3EUSD%3C%2FMerchantCurrencyCode%3E%0D%0A +%3CConsumerCurrencyCode%3ECAD%3C%2FConsumerCurrencyCode%3E%0D%0A+%3C ConsumerCurrencyCountry%3ECanada%3C%2FConsumerCurrencyCountry%3E%0D%0 A+%3CConsumerCurrencyDesc%3ECanadian+Dollar%3C%2FConsumerCurrencyDesc %3E%0D%0A+%3CExpirationDate%3E01%2F16%2F %3A45%3A00+PST%3C%2FEx pirationdate%3e%0d%0a+%3crate%3e1.0594%3c%2frate%3e%0d%0a%3c%2ffxrate %3E%0D%0A 8.9 Rate Lookup - Euro (numeric) lgfkoll&transaction_type=g&currency_code=978 transaction_id=a16b75418cc0313b9d8f1d1e28c09bed&error_code=000&auth_r esponse_text=request Complete&fx_rate=%3C%3Fxml+version%3D%221.0%22+encoding%3D%22ISO %22%3F%3E%0D%0A%3CFXRate%3E%0D%0A+%3CRateId%3E32815%3C%2FRateId%3E%0 D%0A+%3CMerchantCurrencyCode%3EUSD%3C%2FMerchantCurrencyCode%3E%0D%0A +%3CConsumerCurrencyCode%3EEUR%3C%2FConsumerCurrencyCode%3E%0D%0A+%3C 2008 Merchant e-solutions, Inc. 12

15 ConsumerCurrencyCountry%3EEuro+Member+Countries%3C%2FConsumerCurrency Country%3E%0D%0A+%3CConsumerCurrencyDesc%3EEuro%3C%2FConsumerCurrency Desc%3E%0D%0A+%3CExpirationDate%3E01%2F16%2F %3A45%3A00+PST%3C% 2FExpirationDate%3E%0D%0A+%3CRate%3E0.7201%3C%2FRate%3E%0D%0A%3C%2FFX Rate%3E%0D%0A 8.10 Rate Lookup - Full Rate Table lgfkoll&transaction_type=g transaction_id=error&error_code=000&auth_response_text=&fx_rate_table =%3C%3Fxml+version%3D%221.0%22+encoding%3D%22ISO %22%3F%3E%0D%0A%3CFXRateTable%3E%0D%0A+%3CFXRate%3E%0D%0A++%3CRateId %3E32807%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUSD%3C%2FMer chantcurrencycode%3e%0d%0a++%3cconsumercurrencycode%3eaud%3c%2fconsum ercurrencycode%3e%0d%0a++%3cconsumercurrencycountry%3eaustralia%3c%2f ConsumerCurrencyCountry%3E%0D%0A++%3CConsumerCurrencyDesc%3EDollar%3C %2FConsumerCurrencyDesc%3E%0D%0A++%3CExpirationDate%3E01%2F16%2F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate%3E1.2156%3C%2F Rate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A++%3CRateId%3E3 2809%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUSD%3C%2FMerchan tcurrencycode%3e%0d%0a++%3cconsumercurrencycode%3ecad%3c%2fconsumercu rrencycode%3e%0d%0a++%3cconsumercurrencycountry%3ecanada%3c%2fconsume rcurrencycountry%3e%0d%0a++%3cconsumercurrencydesc%3ecanadian+dollar% 3C%2FConsumerCurrencyDesc%3E%0D%0A++%3CExpirationDate%3E01%2F16%2F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate%3E1.0594%3C% 2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A++%3CRateId%3 E32810%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUSD%3C%2FMerch antcurrencycode%3e%0d%0a++%3cconsumercurrencycode%3echf%3c%2fconsumer CurrencyCode%3E%0D%0A++%3CConsumerCurrencyCountry%3ESwitzerland%3C%2F ConsumerCurrencyCountry%3E%0D%0A++%3CConsumerCurrencyDesc%3ESwitzerla nd+franc%3c%2fconsumercurrencydesc%3e%0d%0a++%3cexpirationdate%3e01%2 F16%2F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate%3E1.1799%3C%2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A++%3 CRateId%3E32813%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUSD%3 C%2FMerchantCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCode%3EDKK%3C%2 FConsumerCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCountry%3EDenmark% 3C%2FConsumerCurrencyCountry%3E%0D%0A++%3CConsumerCurrencyDesc%3EKron e%3c%2fconsumercurrencydesc%3e%0d%0a++%3cexpirationdate%3e01%2f16%2f %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate%3E5.3648%3 C%2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A++%3CRateId %3E32815%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUSD%3C%2FMer chantcurrencycode%3e%0d%0a++%3cconsumercurrencycode%3eeur%3c%2fconsum ercurrencycode%3e%0d%0a++%3cconsumercurrencycountry%3eeuro+member+cou ntries%3c%2fconsumercurrencycountry%3e%0d%0a++%3cconsumercurrencydesc %3EEuro%3C%2FConsumerCurrencyDesc%3E%0D%0A++%3CExpirationDate%3E01%2F 16%2F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate%3E %3C%2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A++%3C RateId%3E32816%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUSD%3C %2FMerchantCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCode%3EGBP%3C%2F ConsumerCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCountry%3EUnited+Ki ngdom%3c%2fconsumercurrencycountry%3e%0d%0a++%3cconsumercurrencydesc% 3EBritish+Pound%3C%2FConsumerCurrencyDesc%3E%0D%0A++%3CExpirationDate %3E01%2F16%2F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CR 2008 Merchant e-solutions, Inc. 13

16 ate%3e0.5373%3c%2frate%3e%0d%0a+%3c%2ffxrate%3e%0d%0a+%3cfxrate%3e%0d %0A++%3CRateId%3E32817%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode% 3EUSD%3C%2FMerchantCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCode%3EH KD%3C%2FConsumerCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCountry%3EH ong+kong%3c%2fconsumercurrencycountry%3e%0d%0a++%3cconsumercurrencyde sc%3edollar%3c%2fconsumercurrencydesc%3e%0d%0a++%3cexpirationdate%3e0 1%2F16%2F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate% 3E8.2709%3C%2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A+ +%3CRateId%3E32819%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUS D%3C%2FMerchantCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCode%3EJPY%3 C%2FConsumerCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCountry%3EJapan %3C%2FConsumerCurrencyCountry%3E%0D%0A++%3CConsumerCurrencyDesc%3EYen %3C%2FConsumerCurrencyDesc%3E%0D%0A++%3CExpirationDate%3E01%2F16%2F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate%3E % 3C%2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A++%3CRateI d%3e32823%3c%2frateid%3e%0d%0a++%3cmerchantcurrencycode%3eusd%3c%2fme rchantcurrencycode%3e%0d%0a++%3cconsumercurrencycode%3enok%3c%2fconsu mercurrencycode%3e%0d%0a++%3cconsumercurrencycountry%3enorway%3c%2fco nsumercurrencycountry%3e%0d%0a++%3cconsumercurrencydesc%3enorway+kron e%3c%2fconsumercurrencydesc%3e%0d%0a++%3cexpirationdate%3e01%2f16%2f %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate%3E5.6685%3 C%2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A++%3CRateId %3E32824%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUSD%3C%2FMer chantcurrencycode%3e%0d%0a++%3cconsumercurrencycode%3enzd%3c%2fconsum ercurrencycode%3e%0d%0a++%3cconsumercurrencycountry%3enew+zealand%3c% 2FConsumerCurrencyCountry%3E%0D%0A++%3CConsumerCurrencyDesc%3ENew+Zea land+dollar%3c%2fconsumercurrencydesc%3e%0d%0a++%3cexpirationdate%3e0 1%2F16%2F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate% 3E1.3867%3C%2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A+%3CFXRate%3E%0D%0A+ +%3CRateId%3E32827%3C%2FRateId%3E%0D%0A++%3CMerchantCurrencyCode%3EUS D%3C%2FMerchantCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCode%3ESEK%3 C%2FConsumerCurrencyCode%3E%0D%0A++%3CConsumerCurrencyCountry%3ESwede n%3c%2fconsumercurrencycountry%3e%0d%0a++%3cconsumercurrencydesc%3ekr ono%3c%2fconsumercurrencydesc%3e%0d%0a++%3cexpirationdate%3e01%2f16%2 F %3A45%3A00+PST%3C%2FExpirationDate%3E%0D%0A++%3CRate%3E %3C%2FRate%3E%0D%0A+%3C%2FFXRate%3E%0D%0A%3C%2FFXRateTable%3E%0D%0A 8.11 Pre-Auth - Euro (numeric) - missing fx amount lgfkoll&transaction_type=p&card_number= &card_exp_date =1210&transaction_amount=36.00&invoice_number=12345&cvv2=029&currency _code=978 transaction_id=error&error_code=231&auth_response_text=fx amount in base currency is required Pre-Auth - Euro (numeric) - missing rate id lgfkoll&transaction_type=p&card_number= &card_exp_date =1210&transaction_amount=36.00&invoice_number=12345&cvv2=029&currency _code=978&fx_amount= Merchant e-solutions, Inc. 14

17 transaction_id=error&error_code=227&auth_response_text=fx rate ID required for foreign currency transactions Pre-Auth - Euro (numeric) - expired rate id lgfkoll&transaction_type=p&card_number= &card_exp_date =1210&transaction_amount=36.00&invoice_number=12345&cvv2=029&currency _code=978&fx_amount=50.00&fx_rate_id=31315 transaction_id=error&error_code=225&auth_response_text=fx rate has expired Pre-Auth - Euro (numeric) - foreign amount & base amount inconsistent lgfkoll&transaction_type=p&card_number= &card_exp_date =1210&transaction_amount=32.00&invoice_number=12345&cvv2=029&currency _code=978&fx_amount=50.00&fx_rate_id=32815 transaction_id=error&error_code=228&auth_response_text=base and consumer amounts are inconsistent with the FX rate Pre-Auth - Euro (numeric) lgfkoll&transaction_type=p&card_number= &card_exp_date =1210&transaction_amount=36.00&invoice_number=12345&cvv2=029&currency _code=978&fx_amount=50.00&fx_rate_id=32815 transaction_id=cf0d560aa04f4bdda030571cde4992ca&error_code=000&auth_r esponse_text=ok 8.16 Settlement of a Pre-Auth - partial lgfkoll&transaction_type=s&transaction_id=cf0d560aa04f4bdda030571cde4 992ca&transaction_amount=25.00&fx_amount=40.00 transaction_id=cf0d560aa04f4bdda030571cde4992ca&error_code=000&auth_r esponse_text=settle Request Accepted 8.17 Immediate Sale lgfkoll&transaction_type=d&card_number= &card_exp_date =1210&transaction_amount=35.99&invoice_number=12345&cvv2=029&currency _code=978&fx_amount=50.00&fx_rate_id= Merchant e-solutions, Inc. 15

18 transaction_id=78afe0adbb b7d6e4ab55e8&error_code=000&auth_r esponse_text=ok 8.18 Refund lgfkoll&transaction_type=u&transaction_id=78afe0adbb b7d6e4a b55e8 transaction_id=78afe0adbb b7d6e4ab55e8&error_code=000&auth_r esponse_text=refund Request Accepted - Refund 8.19 United Kingdom, GBP lgfkoll&transaction_type=l&ip_address= Netherlands, EUR lgfkoll&transaction_type=l&ip_address= United States, USD lgfkoll&transaction_type=l&ip_address= Canada, CAD lgfkoll&transaction_type=l&country_code=ca 2008 Merchant e-solutions, Inc. 16

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