MPI Configuration

Schema

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<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema">
 
  <xs:element name="MpiConfiguration" type="MpiConfigurationType" />
   
  <xs:complexType name="MpiConfigurationType">
    <xs:sequence>
      <xs:element name="TimeoutSeconds" type="TimeoutSeconds" minOccurs="0">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              Timeouts configuration. If not configured, default timeout seconds will be applied. Check the
              TimeoutSeconds type declaration below, for default timeout values.
            ]]>
         </xs:documentation>
        </xs:annotation>
      </xs:element>
       
      <xs:element name="Scheme" type="Scheme" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The list of Schemes.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
 
      <xs:element name="UpopParameters" type="UpopParameters" minOccurs="0" maxOccurs="1">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The Union Pay configuration.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
 
      <xs:element name="Acquirer" type="Acquirer" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The list of Acquirers.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
 
      <xs:element name="Merchant" type="Merchant" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The list of Merchants.
              Merchants configuration is optional, if the Merchant data is in the Payment Platform, it can be passed through the MPI API.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
 
 
    </xs:sequence>
  </xs:complexType>
   
  <xs:complexType name="Scheme">
    <xs:sequence>
      <xs:element name="DirectoryServer" type="DirectoryServer">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The Directory Server used by this Scheme.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SignatureValidationRootCertificate" type="RootCertificate">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The Root Certificate used for signature validation.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
    <xs:attribute name="id" type="SchemeId" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The ID of the scheme (Visa, MasterCard, JCB, American Express, Diners or any other scheme).
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
  </xs:complexType>
 
  <xs:complexType name="DirectoryServer">
    <xs:sequence>
      <xs:element name="DirectoryServerEndpoint" type="DirectoryServerEndpoint" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The list of endpoints provided by this Directory Server.
               
              If communication with the Directory Server fails using an endpoint,
              the MPI tries again with the next endpoint in the list.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TrustedRootCertificate" type="RootCertificate" minOccurs="0">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The trusted Root Certificate to use when communicating with this Directory Server.
               
              Optional in case the Root Certificate is already included in Java as a trusted Root Certificate
              (i.e. contained in the cacerts file of your Java distribution).
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
 
  <xs:complexType name="UpopParameters">
    <xs:sequence>
      <xs:element name="SignatureValidationRootCertificate" type="RootCertificate" minOccurs="0">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              Signature Validation Root Certificate for UPOP.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TrustedRootCertificate" type="RootCertificate" minOccurs="0">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The trusted Root Certificate to use when communicating with the UPOP server (for inquiry).
 
              Optional in case the Root Certificate is already included in Java as a trusted Root Certificate
              (i.e. contained in the cacerts file of your Java distribution).
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="BackendUrl" type="xs:anyURI" minOccurs="0" maxOccurs="1">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              Backend URL.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="FrontendUrl" type="xs:anyURI" minOccurs="0" maxOccurs="1">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              Frontend URL.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="InquiryUrl" type="xs:anyURI" minOccurs="0" maxOccurs="1">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              Inquiry URL.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
 
  <xs:complexType name="TimeoutSeconds">
    <xs:attribute name="paRes" type="xs:integer" default="300" >
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The time in seconds to wait for a PaRes to be sent back from the ACS.
                             
            Recommendation from Visa is to use a timeout value of 300 seconds,
            recognizing that cardholders may become distracted while completing the authentication.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="veRes" type="xs:integer" default="10" >
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The time in seconds to wait for a VERes to be sent back from the Directory Server.
                             
            Recommendation from Visa is to allow at least 10 seconds for the Directory Server
            to send a VERes message in response to the MPI VEReq message.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
  </xs:complexType>
 
  <xs:complexType name="DirectoryServerEndpoint">
    <xs:attribute name="url" type="xs:anyURI" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The URL of this endpoint.
            The URL is used by the MPI to post the VEReq to.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="enabled" type="xs:boolean" default="true">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            Can be used to temporarily disable an endpoint.
            A disabled endpoint will not be used by the MPI to communication with the Directory Server.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
     
    <xs:attribute name="authenticationMethod" type="AuthenticationMethod" default="Certificate">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            Authentication mode for the endpoint.
            The endpoint is used for the corresponding authentication method (e.g. if the merchant has a password
            configured to authenticate, VEReqs are sent to directory server endpoints with authentication method
            'Password'. The same rule applies when given a ClientCertificate for authentication with
            Directory Server).
            In case when there are both Client Certificate and Password for a given
            Merchant, both the Certificate and Password endpoints are used, with Certificate endpoints having
            a higher priority than Password endpoints.
             
            Possible values are:
             
            * Certificate
            * Password
             
            Default value is Certificate.
             
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
     
  </xs:complexType>
 
 
  <xs:complexType name="Merchant">
    <xs:sequence>
      <xs:element name="MerchantAcquirer" type="MerchantAcquirer" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The list of Acquirer relations for this Merchant.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
    <xs:attribute name="url" type="MerchantUrl" use="required" >
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The URL of this Merchant.
            Will be sent to the Directory Server as part of the VEReq.Merchant structure.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="name" type="MerchantName" use="required" >
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The Name of this Merchant.
            Will be sent to the Directory Server as part of the VEReq.Merchant structure.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="category" type="MerchantCategory" use="optional" >
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The Category of this Merchant.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
 
    <xs:attribute name="abbreviation" type="MerchantAbbreviation" use="optional" >
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The Abbreviation of this Merchant.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
 
 
    <xs:attribute name="id" type="MerchantId" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The Acquirer-defined merchant identifier.
            Will be sent to the Directory Server as part of the VEReq.Merchant structure.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="enabled" type="xs:boolean" default="true">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            Can be used to temporarily disable a Merchant.
            A disabled Merchant will not be used by the MPI.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="countryCode" type="Country" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The country code of this Merchant.
            Will be sent to the Directory Server as part of the VEReq.Merchant structure.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="defaultPurchaseCurrency" type="Currency">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The default purchase currency used by this Merchant.
            If there is no currency defined for a purchase, the Merchant's default currency will be used.
            Will be sent to the ACS as part of the PAReq.Purchase structure.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
  </xs:complexType>
 
  <xs:complexType name="MerchantAcquirer">
    <xs:sequence>
      <xs:element name="ClientCertificate" type="ClientCertificate" minOccurs="0">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
             
              The Client Certificate used to authenticate the merchant with the Directory Server.
             
              NOTE: MPI uses a priority resolving when trying to decide on the authentication method for a
              given merchant to a Directory Server. The hierarchy is:
               
              1 - Password on MerchantAcquirer level [MOST IMPORTANT]
              2 - ClientCertificate on MerchantAcquirer level
              3 - Password on acquirer Bin level
              4 - ClientCertificate on acquirer Bin level [LEAST IMPORTANT]
               
              When both ClientCertificate and Password are configured for a given Merchant,
              MPI will use both of them when contacting the Directory Server endpoint(s).
               
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
    <xs:attribute name="acquirerBin" type="AcquirerBin" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The acquiring institution identification code (references configured Acquirer Bin).
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="scheme" type="SchemeId" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The schemeId associated with this Acquirer relation.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="password" type="xs:string">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
             
            The password used to authenticate with the Directory Server.
            Usage of a password (instead of a Client certificate) for authentication is Scheme- and region-specific.
                   
            NOTE: MPI uses a priority resolving when trying to decide on the authentication method for a
            given merchant to a Directory Server. The hierarchy is:
               
            1 - Password on MerchantAcquirer level [MOST IMPORTANT]
            2 - ClientCertificate on MerchantAcquirer level
            3 - Password on acquirer Bin level
            4 - ClientCertificate on acquirer Bin level [LEAST IMPORTANT]
               
            When both ClientCertificate and Password are configured for a Merchant,
            MPI will use both of them when contacting the Directory Server endpoint(s).
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
  </xs:complexType>
 
  <xs:complexType name="Acquirer">
    <xs:sequence>
      <xs:element name="Bin" type="Bin" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The list of BINs for this Acquirer.
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
     
    <xs:attribute name="name" type="xs:string">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The name of the Acquirer.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
  </xs:complexType>
 
  <xs:complexType name="Bin">
    <xs:sequence>
      <xs:element name="ClientCertificate" type="ClientCertificate" minOccurs="0">
        <xs:annotation>
          <xs:documentation>
            <![CDATA[
              The Client Certificate used to authenticate with the Directory Server.
               
              NOTE: MPI uses a priority resolving when trying to decide on the authentication method for a
              given merchant to a Directory Server. The hierarchy is:
               
              1 - Password on MerchantAcquirer level [MOST IMPORTANT]
              2 - ClientCertificate on MerchantAcquirer level
              3 - Password on acquirer Bin level
              4 - ClientCertificate on acquirer Bin level [LEAST IMPORTANT]
               
              When both ClientCertificate and Password are configured for an Acquirer and its Merchant(s),
              MPI will use both of them when contacting the Directory Server endpoint(s).
            ]]>
          </xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
    <xs:attribute name="value" type="AcquirerBin" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The actual BIN number.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="scheme" type="SchemeId" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The Scheme associated with this BIN.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="password" type="xs:string">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The password used to authenticate with the Directory Server.
                   
            NOTE: MPI uses a priority resolving when trying to decide on the authentication method for a
            given merchant to a Directory Server. The hierarchy is:
               
            1 - Password on MerchantAcquirer level [MOST IMPORTANT]
            2 - ClientCertificate on MerchantAcquirer level
            3 - Password on acquirer Bin level
            4 - ClientCertificate on acquirer Bin level [LEAST IMPORTANT]
               
            When both ClientCertificate and Password are configured for an Acquirer and its Merchant(s),
            MPI will use both of them when contacting the Directory Server endpoint(s).
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
     
  </xs:complexType>
 
  <xs:complexType name="Certificate" abstract="true">
    <xs:attribute name="keystoreResource" type="xs:string" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The Java keystore resource location.
             
            Use a prefix to specifiy where the resource should be loaded from:
             
            * file: to load from the filesystem (e.g. file:/etc/mpi/keystore.jks)
            * http: to load as an URL (e.g. http://myserver/mpi/keystore.jks)
            * classpath: to load from the classpath (e.g. classpath:mpi/keystore.jks)
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
    <xs:attribute name="keystorePassword" type="xs:string" use="required">
      <xs:annotation>
        <xs:documentation>
          <![CDATA[
            The password to access the Java keystore.
          ]]>
        </xs:documentation>
      </xs:annotation>
    </xs:attribute>
  </xs:complexType>
 
  <xs:complexType name="ClientCertificate">
    <xs:annotation>
      <xs:documentation>
        <![CDATA[
          Client Certificate configuration.
        ]]>
      </xs:documentation>
    </xs:annotation>
    <xs:complexContent>
      <xs:extension base="Certificate" />
    </xs:complexContent>
  </xs:complexType>
 
  <xs:complexType name="RootCertificate">
    <xs:annotation>
      <xs:documentation>
        <![CDATA[
          Root Certificate configuration.
        ]]>
      </xs:documentation>
    </xs:annotation>
    <xs:complexContent>
      <xs:extension base="Certificate" />
    </xs:complexContent>
  </xs:complexType>
 
  <xs:simpleType name="AuthenticationMethod">
    <xs:annotation>
      <xs:documentation>
        <![CDATA[
          Directory Server authentication method.
        ]]>
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="Certificate" />
      <xs:enumeration value="Password" />
    </xs:restriction>
  </xs:simpleType>
 
  <xs:simpleType name="SchemeId">
    <xs:annotation>
      <xs:documentation>
        <![CDATA[
          Supported payment schemes.
        ]]>
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string" />
  </xs:simpleType>
 
  <xs:simpleType name="Country">
    <xs:annotation>
      <xs:documentation>
        <![CDATA[
          ISO 3166 three digit country code.
           
          Valid country code examples:
                 
                756 - Switzerland
                276 - Germany
                040 - Austria
                 
          Excluded countries range:
                 
                900-999 - reserved by ISO to designate country names not otherwise defined
        ]]>
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:length value="3" />
      <xs:pattern value="[0-9]{3}" />
    </xs:restriction>
  </xs:simpleType>
 
  <xs:simpleType name="Currency">
    <xs:annotation>
      <xs:documentation>
        <![CDATA[
          ISO 4217 three digit currency code.
           
          Valid currency code examples:
                 
                756 - CHF
                978 - EUR
                826 - GBP
                 
          Excluded currencies are:
                 
                955 - European Composite Unit
                956 - European Monetary Unit
                957 - European Unit of Account-9
                958 - European Unit of Account-17
                959 - Gold
                960 - I.M.F.
                961 - Silver
                962 - Platinum
                963 - Reserved for testing
                964 - Palladium
                999 - no currency is involved
        ]]>
      </xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:length value="3" />
      <xs:pattern value="[0-9]{3}" />
    </xs:restriction>
  </xs:simpleType>
 
  <xs:simpleType name="MerchantUrl">
    <xs:restriction base="xs:anyURI">
      <xs:minLength value="1" />
      <xs:maxLength value="2048" />
    </xs:restriction>
  </xs:simpleType>
 
  <xs:simpleType name="MerchantName">
    <xs:restriction base="xs:string">
      <xs:minLength value="1" />
      <xs:maxLength value="25" />
    </xs:restriction>
  </xs:simpleType>
 
  <xs:simpleType name="MerchantId">
    <xs:restriction base="xs:string">
      <xs:minLength value="1" />
      <xs:maxLength value="24" />
    </xs:restriction>
  </xs:simpleType>
 
  <xs:simpleType name="MerchantCategory">
    <xs:restriction base="xs:string">
      <xs:minLength value="4" />
      <xs:maxLength value="4" />
    </xs:restriction>
  </xs:simpleType>
 
  <xs:simpleType name="MerchantAbbreviation">
    <xs:restriction base="xs:string">
      <xs:minLength value="1" />
      <xs:maxLength value="16" />
    </xs:restriction>
  </xs:simpleType>
 
  <xs:simpleType name="AcquirerBin">
    <xs:restriction base="xs:string">
      <xs:pattern value="[0-9]{1,11}"/>
      <xs:maxLength value="11"/>
      <xs:minLength value="1"/>
    </xs:restriction>
  </xs:simpleType>
</xs:schema>

Configuration template

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<?xml version="1.0" encoding="UTF-8"?>
<MpiConfiguration>
 
  <!--
  <TimeoutSeconds veRes="10" paRes="600" />
  -->
 
  <!-- Configuration for Union Pay transactions -->
  <!--
  <UpopParameters>
    <SignatureValidationRootCertificate keystoreResource="file:..." keystorePassword="..." />
    <TrustedRootCertificate keystoreResource="file:..." keystorePassword="..." />
    <BackendUrl>https://...</BackendUrl>
    <FrontendUrl>https://...</FrontendUrl>
    <InquiryUrl>https://...</InquiryUrl>
  </UpopParameters>
  -->
 
  <!-- Configuration for 3-D Secure transactions -->
  <!--
  <Scheme id="Visa">
    <DirectoryServer>
      <DirectoryServerEndpoint url="https://..." enabled="true" />
      <TrustedRootCertificate keystoreResource="file:..." keystorePassword="..." />
    </DirectoryServer>
    <SignatureValidationRootCertificate keystoreResource="file:..." keystorePassword="..." />
  </Scheme>
  -->
 
  <!-- Configuration for both 3-D Secure and Union Pay transactions -->
  <!--
  <Acquirer name="...">
    <Bin value="..." scheme="Visa">
      <ClientCertificate keystoreResource="file:..." keystorePassword="..." />
    </Bin>
  </Acquirer>
  -->
 
  <!--
  <Merchant id="..."
            countryCode="..."
            defaultPurchaseCurrency="..."
            enabled="true"
            name="..."
            url="http://..."
            category="..."
            abbreviation="...">
    <MerchantAcquirer scheme="Visa" acquirerBin="...">
      <ClientCertificate keystoreResource="file:..." keystorePassword="..." />
    </MerchantAcquirer>
  </Merchant>
  -->
 
</MpiConfiguration>