<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" attributeFormDefault="unqualified" elementFormDefault="qualified" version="0.4">
  <xs:complexType name="BasicAmount">
    <xs:attribute name="value" type="xs:decimal" use="required"/>
    <xs:attribute name="value2" type="xs:decimal" use="optional"/>
    <xs:attribute name="currency" type="ISOCurrencyCode" use="required"/>
  </xs:complexType>
  <xs:complexType name="RateAmount">
    <xs:complexContent>
      <xs:extension base="BasicAmount">
        <xs:attribute name="rate" type="Rate" use="required"/>
        <xs:attribute name="clientfxrate" type="Rate" use="optional"/>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="ConversionRateAmount">
    <xs:complexContent>
      <xs:extension base="BasicAmount">
        <xs:attribute name="rate" type="ConversionRate" use="required"/>
        <xs:attribute name="clientfxrate" type="Rate" use="optional"/>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="DirectionAmount">
    <xs:complexContent>
      <xs:extension base="BasicAmount">
        <xs:attribute name="direction" type="Direction" use="required"/>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="PartialAmount">
    <xs:complexContent>
      <xs:extension base="BasicAmount">
        <xs:attribute name="partial" type="YesNoString" use="optional"/>
        <xs:attribute name="origItemId" type="xs:unsignedInt" use="optional"/>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="SettlementAmt">
    <xs:attribute name="value" type="xs:decimal" use="required"/>
    <xs:attribute name="currency" type="ISOCurrencyCode" use="required"/>
    <xs:attribute name="rate" type="Rate" use="required"/>
    <xs:attribute name="date" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="8"/>
          <xs:pattern value="([2-9]\d{3}((0[1-9]|1[012])(0[1-9]|1\d|2[0-8])|(0[13456789]|1[012])(29|30)|(0[13578]|1[02])31)|(([2-9]\d)(0[48]|[2468][048]|[13579][26])|(([2468][048]|[3579][26])00))0229)"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="ConversionSettlementAmt">
    <xs:attribute name="value" type="xs:decimal" use="required"/>
    <xs:attribute name="currency" type="ISOCurrencyCode" use="required"/>
    <xs:attribute name="rate" type="ConversionRate" use="required"/>
    <xs:attribute name="date" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="8"/>
          <xs:pattern value="([2-9]\d{3}((0[1-9]|1[012])(0[1-9]|1\d|2[0-8])|(0[13456789]|1[012])(29|30)|(0[13578]|1[02])31)|(([2-9]\d)(0[48]|[2468][048]|[13579][26])|(([2468][048]|[3579][26])00))0229)"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="CCAAmount">
    <xs:complexContent>
      <xs:extension base="BasicAmount">
        <xs:attribute name="included" type="YesNoString" use="required"/>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="FeeClass">
    <xs:attribute name="interchangeTransaction" type="YesNoString" use="required"/>
    <xs:attribute name="type" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="2"/>
          <xs:enumeration value="4"/>
          <xs:enumeration value="5"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="code" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="1000"/>
          <xs:enumeration value="1010"/>
          <xs:enumeration value="1020"/>
          <xs:enumeration value="1030"/>
          <xs:enumeration value="1040"/>
          <xs:enumeration value="1060"/>
          <xs:enumeration value="1061"/>
          <xs:enumeration value="1062"/>
          <xs:enumeration value="1063"/>
          <xs:enumeration value="1100"/>
          <xs:enumeration value="2010"/>
          <xs:enumeration value="2011"/>
          <xs:enumeration value="2012"/>
          <xs:enumeration value="2013"/>
          <xs:enumeration value="2014"/>
          <xs:enumeration value="2015"/>
          <xs:enumeration value="2016"/>
          <xs:enumeration value="2110"/>
          <xs:enumeration value="2111"/>
          <xs:enumeration value="2112"/>
          <xs:enumeration value="2300"/>
          <xs:enumeration value="2301"/>
          <xs:enumeration value="2302"/>
          <xs:enumeration value="2303"/>
          <xs:enumeration value="2304"/>
          <xs:enumeration value="2306"/>
          <xs:enumeration value="2307"/>
          <xs:enumeration value="2308"/>
          <xs:enumeration value="2309"/>
          <xs:enumeration value="2310"/>
          <xs:enumeration value="2311"/>
          <xs:enumeration value="2312"/>
          <xs:enumeration value="2313"/>
          <xs:enumeration value="2314"/>
          <xs:enumeration value="2320"/>
          <xs:enumeration value="2401"/>
          <xs:enumeration value="2402"/>
          <xs:enumeration value="2441"/>
          <xs:enumeration value="2442"/>
          <xs:enumeration value="2443"/>
          <xs:enumeration value="6000"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="MasterCardFeeClass">
    <xs:attribute name="interchangeTransaction" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="no"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="type" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="0"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="code" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="0"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="memberID" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="11"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="Response">
    <xs:attribute name="approved" type="YesNoString" use="required"/>
    <xs:attribute name="actioncode" type="xs:string" use="optional"/>
    <xs:attribute name="responsecode" type="xs:string" use="optional"/>
    <xs:attribute name="additionaldesc" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="500"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="Classification">
    <xs:attribute name="MCC" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="4"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="MsgSource">
    <xs:attribute name="value" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:decimal">
          <xs:enumeration value="12"/>
          <xs:enumeration value="17"/>
          <xs:enumeration value="54"/>
          <xs:enumeration value="66"/>
          <xs:enumeration value="67"/>
          <xs:enumeration value="70"/>
          <xs:enumeration value="74"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="domesticMaestro" type="YesNoString" use="required"/>
  </xs:complexType>
  <xs:complexType name="MsgSourceCardAuthorisation">
    <xs:attribute name="value" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:decimal">
          <xs:enumeration value="12"/>
          <xs:enumeration value="17"/>
          <xs:enumeration value="54"/>
          <xs:enumeration value="62"/>
          <xs:enumeration value="66"/>
          <xs:enumeration value="67"/>
          <xs:enumeration value="70"/>
          <xs:enumeration value="74"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="domesticMaestro" type="YesNoString" use="required"/>
  </xs:complexType>
  <xs:complexType name="Txn">
    <xs:attribute name="cardholderpresent" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value=""/>
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="2"/>
          <xs:enumeration value="3"/>
          <xs:enumeration value="4"/>
          <xs:enumeration value="5"/>
          <xs:enumeration value="6"/>
          <xs:enumeration value="9"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="cardpresent" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value=""/>
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="9"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="cardinputmethod" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value=""/>
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="2"/>
          <xs:enumeration value="3"/>
          <xs:enumeration value="4"/>
          <xs:enumeration value="5"/>
          <xs:enumeration value="6"/>
          <xs:enumeration value="7"/>
          <xs:enumeration value="C"/>
          <xs:enumeration value="E"/>
          <xs:enumeration value="F"/>
          <xs:enumeration value="G"/>
          <xs:enumeration value="M"/>
          <xs:enumeration value="P"/>
          <xs:enumeration value="Q"/>
          <xs:enumeration value="V"/>
          <xs:enumeration value="W"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="cardauthmethod" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value=""/>
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="2"/>
          <xs:enumeration value="3"/>
          <xs:enumeration value="4"/>
          <xs:enumeration value="5"/>
          <xs:enumeration value="6"/>
          <xs:enumeration value="7"/>
          <xs:enumeration value="8"/>
          <xs:enumeration value="9"/>
          <xs:enumeration value="A"/>
          <xs:enumeration value="B"/>
          <xs:enumeration value="C"/>
          <xs:enumeration value="D"/>
          <xs:enumeration value="E"/>
          <xs:enumeration value="S"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="cardauthentity" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value=""/>
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="2"/>
          <xs:enumeration value="3"/>
          <xs:enumeration value="4"/>
          <xs:enumeration value="5"/>
          <xs:enumeration value="6"/>
          <xs:enumeration value="7"/>
          <xs:enumeration value="8"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="TVR" type="xs:unsignedLong" use="optional"/>
	<xs:attribute name="TTI" use="optional">
      <xs:simpleType>
		<xs:restriction base="xs:string">
         <xs:maxLength value="3"/>
		</xs:restriction>
	  </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="Term">
    <xs:attribute name="code" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="8"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="location" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="128"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="street" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="64"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="city" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="64"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="country" type="ISOCountryCode" use="optional"/>
    <xs:attribute name="inputcapability" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value=""/>
          <xs:enumeration value=" "/>
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="2"/>
          <xs:enumeration value="3"/>
          <xs:enumeration value="4"/>
          <xs:enumeration value="5"/>
          <xs:enumeration value="6"/>
          <xs:enumeration value="7"/>
          <xs:enumeration value="8"/>
          <xs:enumeration value="9"/>
          <xs:enumeration value="10"/>
          <xs:enumeration value="11"/>
          <xs:enumeration value="12"/>
          <xs:enumeration value="13"/>
          <xs:enumeration value="14"/>
          <xs:enumeration value="15"/>
          <xs:enumeration value="16"/>
          <xs:enumeration value="17"/>
          <xs:enumeration value="18"/>
          <xs:enumeration value="19"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="authcapability" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value=""/>
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="2"/>
          <xs:enumeration value="3"/>
          <xs:enumeration value="4"/>
          <xs:enumeration value="5"/>
          <xs:enumeration value="6"/>
          <xs:enumeration value="7"/>
          <xs:enumeration value="8"/>
          <xs:enumeration value="9"/>
          <xs:enumeration value="10"/>
          <xs:enumeration value="11"/>
          <xs:enumeration value="12"/>
          <xs:enumeration value="13"/>
          <xs:enumeration value="14"/>
          <xs:enumeration value="15"/>
          <xs:enumeration value="16"/>
          <xs:enumeration value="17"/>
          <xs:enumeration value="18"/>
          <xs:enumeration value="19"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="Trace">
    <xs:attribute name="auditno" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="6"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="origauditno" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="6"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="Retrefno" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="12"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="TxnCode">
    <xs:attribute name="direction" type="Direction" use="required"/>
    <xs:attribute name="Type" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="6"/>
          <xs:enumeration value="pos"/>
          <xs:enumeration value="atm"/>
          <xs:enumeration value="pos_cb"/>
          <xs:enumeration value="pos_re"/>
          <xs:enumeration value="fee"/>
          <xs:enumeration value="tfr"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="Group" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="pos"/>
          <xs:enumeration value="atm"/>
          <xs:enumeration value="fee"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="ProcCode" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="6"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="Partial" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="3"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="FeeWaivedOff" type="xs:decimal" use="optional"/>
  </xs:complexType>
  <xs:complexType name="Card">
    <xs:attribute name="PAN" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:minLength value="14"/>
          <xs:maxLength value="19"/>
          <xs:pattern value="\d+"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="product" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="4"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="programid" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="50"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="branchcode" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="8"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name = "productid" use = "optional">
      <xs:simpleType>
        <xs:restriction base = "xs:string">
          <xs:maxLength value = "5"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="Account">
    <xs:attribute name="no" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="28"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="type" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="00"/>
          <xs:enumeration value="01"/>
          <xs:enumeration value="02"/>
          <xs:enumeration value="07"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="AccountChrgBack">
    <xs:attribute name="no" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="28"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="type" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="00"/>
          <xs:enumeration value="01"/>
          <xs:enumeration value="02"/>
          <xs:enumeration value="07"/>          
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:simpleType name="Rate">
    <xs:restriction base="xs:decimal">
      <xs:fractionDigits value="6"/>
      <xs:minInclusive value="0"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ConversionRate">
    <xs:restriction base="xs:decimal">
      <xs:fractionDigits value="9"/>
      <xs:minInclusive value="0"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="MerchCode">
    <xs:restriction base="xs:string">
      <xs:maxLength value="30"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="RecType">
    <xs:restriction base="xs:string">
      <xs:enumeration value="ADV"/>
      <xs:enumeration value="REV"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ReversalReason">
    <xs:restriction base="xs:string">
      <xs:enumeration value=""/>
      <xs:enumeration value="0"/>
      <xs:enumeration value="1"/>
      <xs:enumeration value="2"/>
      <xs:enumeration value="3"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Direction">
    <xs:restriction base="xs:string">
      <xs:enumeration value="debit"/>
      <xs:enumeration value="credit"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="LocalDate">
    <xs:restriction base="xs:string">
      <xs:pattern value=""/>
      <xs:maxLength value="14"/>
      <xs:pattern value="([2-9]\d{3}((0[1-9]|1[012])(0[1-9]|1\d|2[0-8])|(0[13456789]|1[012])(29|30)|(0[13578]|1[02])31)|(([2-9]\d)(0[48]|[2468][048]|[13579][26])|(([2468][048]|[3579][26])00))0229)([0-1][0-9]|[2][0-3])([0-5][0-9])([0-5][0-9])"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="LocalDateUTC">
    <xs:restriction base="xs:string">
      <xs:pattern value=""/>
      <xs:maxLength value="10"/>
      <xs:pattern value="[0-9]{10}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="SettlementDate">
    <xs:restriction base="xs:string">
      <xs:pattern value="\s*|([2-9]\d{3}((0[1-9]|1[012])(0[1-9]|1\d|2[0-8])|(0[13456789]|1[012])(29|30)|(0[13578]|1[02])31)|(([2-9]\d)(0[48]|[2468][048]|[13579][26])|(([2468][048]|[3579][26])00))0229)"/>
      <xs:maxLength value="8"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ApprCode">
    <xs:restriction base="xs:string">
      <xs:maxLength value="6"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Schema">
    <xs:restriction base="xs:string">
      <xs:minLength value="3"/>
      <xs:maxLength value="4"/>
      <xs:enumeration value="CIRR"/>
      <xs:enumeration value="ECRD"/>
      <xs:enumeration value="MAES"/>
      <xs:enumeration value="CIMA"/>
      <xs:enumeration value="MCRD"/>
      <xs:enumeration value="VISA"/>
      <xs:enumeration value="PLUS"/>
      <xs:enumeration value="DGN"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ARN">
    <xs:restriction base="xs:string">
      <xs:maxLength value="23"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="FIID">
    <xs:restriction base="xs:string">
      <xs:maxLength value="11"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="RIID">
    <xs:restriction base="xs:string">
      <xs:maxLength value="11"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Desc">
    <xs:restriction base="xs:string">
      <xs:maxLength value="500"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="AdjustType">
    <xs:restriction base="xs:string">
      <xs:enumeration value="Actual"/>
      <xs:enumeration value="Block"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="LoadSource">
    <xs:attribute name="Source">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="3"/>
          <!-- <xs:pattern value="([0-9]|1[0-9]|2[0-9]|3[0-9]|4[0-9]|5[0-9]|6[0-9]|7[0-9]|8[0-9]|9[0-9]|100|102|209|210)"/> -->
          <xs:pattern value="[0-9]{1,3}"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="Type">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="2"/>
          <xs:enumeration value="0"/>
          <xs:enumeration value="1"/>
          <xs:enumeration value="2"/>
          <xs:enumeration value="3"/>
          <xs:enumeration value="4"/>
          <xs:enumeration value="5"/>
          <xs:enumeration value="6"/>
          <xs:enumeration value="7"/>
          <xs:enumeration value="8"/>
          <xs:enumeration value="9"/>
          <xs:enumeration value="10"/>
          <xs:enumeration value="11"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="FixedFee" type="xs:decimal" use="optional"/>
    <xs:attribute name="Rate_Fee" type="xs:decimal" use="optional"/>
  </xs:complexType>
  <xs:simpleType name="ISOCurrencyCode">
    <xs:restriction base="xs:string">
      <xs:pattern value="\d{3}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ISOCountryCode">
    <xs:restriction base="xs:string">
      <xs:maxLength value="2"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="YesNoString">
    <xs:restriction base="xs:string">
      <xs:enumeration value="yes"/>
      <xs:enumeration value="no"/>
      <xs:enumeration value="YES"/>
      <xs:enumeration value="NO"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="CycleNumber">
    <xs:restriction base="xs:string">
      <xs:maxLength value="2"/>
      <xs:enumeration value="01"/>
      <xs:enumeration value="02"/>
      <xs:enumeration value="03"/>
      <xs:enumeration value="04"/>
      <xs:enumeration value="05"/>
      <xs:enumeration value="06"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="EventType">
    <xs:restriction base="xs:string">
      <xs:enumeration value="Upgraded"/>
      <xs:enumeration value="Renewed"/>
      <xs:enumeration value="ReportedToSAFE"/>
      <xs:enumeration value="Lost"/>
      <xs:enumeration value="Stolen"/>
      <xs:enumeration value="Cancelled"/>
      <xs:enumeration value="PINTriesExceeded"/>
      <xs:enumeration value="Voided"/>
      <xs:enumeration value="Expired"/>
      <xs:enumeration value="Activation"/>
      <xs:enumeration value="UnBlocked"/>
      <xs:enumeration value="StatusChange"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="MTID">
    <xs:restriction base="xs:string">
      <xs:maxLength value="4"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Function_Code_024">
    <xs:restriction base="xs:string">
      <xs:maxLength value="3"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Conversion_Rate_Reconciliation_009">
    <xs:restriction base="xs:decimal">
      <xs:totalDigits value="15"/>
      <xs:fractionDigits value="6"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Additional_Data_048">
    <xs:restriction base="xs:string">
      <xs:maxLength value="8000"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Data_Record_072">
    <xs:restriction base="xs:string">
      <xs:maxLength value="200"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="DE93_Txn_Dest_ID">
    <xs:restriction base="xs:string">
      <xs:maxLength value="11"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="DE94_Txn_Orig_ID">
    <xs:restriction base="xs:string">
      <xs:maxLength value="16"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="File_ID_PDS0105">
    <xs:restriction base="xs:string">
      <xs:maxLength value="50"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="FileProcessDate">
    <xs:restriction base="xs:string">
      <xs:pattern value=""/>
      <xs:maxLength value="14"/>
      <xs:pattern value="([2-9]\d{3}((0[1-9]|1[012])(0[1-9]|1\d|2[0-8])|(0[13456789]|1[012])(29|30)|(0[13578]|1[02])31)|(([2-9]\d)(0[48]|[2468][048]|[13579][26])|(([2468][048]|[3579][26])00))0229)([0-1][0-9]|[2][0-3])([0-5][0-9])([0-5][0-9])"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="Recon">
    <xs:attribute name="date" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:pattern value="\s*|([2-9]\d{3}((0[1-9]|1[012])(0[1-9]|1\d|2[0-8])|(0[13456789]|1[012])(29|30)|(0[13578]|1[02])31)|(([2-9]\d)(0[48]|[2468][048]|[13579][26])|(([2468][048]|[3579][26])00))0229)"/>
          <xs:maxLength value="8"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="cycle" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="2"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="Settlement">
    <xs:attribute name="date" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:pattern value="\s*|([2-9]\d{3}((0[1-9]|1[012])(0[1-9]|1\d|2[0-8])|(0[13456789]|1[012])(29|30)|(0[13578]|1[02])31)|(([2-9]\d)(0[48]|[2468][048]|[13579][26])|(([2468][048]|[3579][26])00))0229)"/>
          <xs:maxLength value="8"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="cycle" use="optional">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="2"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:simpleType name="sortcode">
    <xs:restriction base="xs:string">
      <xs:maxLength value="6"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="accountno">
    <xs:restriction base="xs:string">
      <xs:maxLength value="8"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="ABFile">
    <xs:attribute name="filedate" type="LocalDate" use="required"/>
    <xs:attribute name="filename" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="500"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="ABAccount">
    <xs:attribute name="no" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="28"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="type" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="00"/>
          <xs:enumeration value="01"/>
          <xs:enumeration value="02"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="sortcode" type="sortcode" use="required"/>
    <xs:attribute name="bankacc" type="accountno" use="required"/>
    <xs:attribute name="name" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="50"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="ABExternal">
    <xs:attribute name="sortcode" type="sortcode" use="required"/>
    <xs:attribute name="bankacc" type="accountno" use="required"/>
    <xs:attribute name="name" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:maxLength value="50"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:complexType name="ABCashCode">
    <xs:attribute name="direction" type="Direction" use="required"/>
    <xs:attribute name="CashType" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
    <xs:attribute name="CashGroup" use="required">
      <xs:simpleType>
        <xs:restriction base="xs:string">
          <xs:enumeration value="rcp"/>
          <xs:enumeration value="pay"/>
        </xs:restriction>
      </xs:simpleType>
    </xs:attribute>
  </xs:complexType>
  <xs:simpleType name="ABDeclineReason">
    <xs:restriction base="xs:string">
      <xs:enumeration value="00"/>
      <xs:enumeration value="01"/>
      <xs:enumeration value="02"/>
      <xs:enumeration value="03"/>
      <xs:enumeration value="04"/>
      <xs:enumeration value="05"/>
      <xs:enumeration value="06"/>
      <xs:enumeration value="07"/>
      <xs:enumeration value="08"/>
      <xs:enumeration value="9"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ABDirection">
    <xs:restriction base="xs:string">
      <xs:enumeration value="debit"/>
      <xs:enumeration value="credit"/>
      <xs:enumeration value="shared"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="ABDirectionAmount">
    <xs:complexContent>
      <xs:extension base="BasicAmount">
        <xs:attribute name="direction" type="ABDirection" use="required"/>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:simpleType name="NullOrULong">
    <xs:restriction base="xs:string">
      <xs:pattern value="\d*|\s{0}" />
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="SenderReceiver">
    <xs:attribute name="firstname" type="xs:string" use="optional"/>
    <xs:attribute name="middlename" type="xs:string" use="optional"/>
    <xs:attribute name="lastname" type="xs:string" use="optional"/>
    <xs:attribute name="streetaddress" type="xs:string" use="optional"/>
    <xs:attribute name="city" type="xs:string" use="optional"/>
    <xs:attribute name="provincecode" type="xs:string" use="optional"/>
    <xs:attribute name="country" type="xs:string" use="optional"/>
    <xs:attribute name="postcode" type="xs:string" use="optional"/>
    <xs:attribute name="phonenumber" type="xs:string" use="optional"/>
    <xs:attribute name="dateofbirth" type="xs:string" use="optional"/>
    <xs:attribute name="accountnumber" type="xs:string" use="optional"/>
    <xs:attribute name="idtype" type="xs:string" use="optional"/>
    <xs:attribute name="idnbr" type="xs:string" use="optional"/>
    <xs:attribute name="idctrycode" type="xs:string" use="optional"/>
    <xs:attribute name="idexpdate" type="xs:string" use="optional"/>
    <xs:attribute name="nationality" type="xs:string" use="optional"/>
    <xs:attribute name="birthctry" type="xs:string" use="optional"/>
    <xs:attribute name="acctnbrtype" type="xs:string" use="optional"/>
    <xs:attribute name="fundssource" type="xs:string" use="optional"/>
    <xs:attribute name="claimcode" type="xs:string" use="optional"/>
  </xs:complexType>
  <xs:complexType name="FXConv">
	<xs:attribute name="bookingstatus" type="xs:string" use="optional"/>
	<xs:attribute name="fxratebooked" type="xs:decimal" use="required"/>
	<xs:attribute name="providercode" type="xs:string" use="required"/>
	<xs:attribute name="fixedamountflag" type="xs:string" use="required"/>
	<xs:attribute name="settlementdate" type="SettlementDate" use="optional"/>
  </xs:complexType>
  <xs:complexType name="PaymentToken">
	<xs:attribute name = "id" type = "xs:string" use="required"/>
    <xs:attribute name = "creator" type = "xs:string" use="required"/>
    <xs:attribute name = "expdate" type = "xs:string" use="optional"/>
    <xs:attribute name = "type" type = "xs:string" use="required"/>
    <xs:attribute name = "status" type = "xs:string" use="required"/>
    <xs:attribute name = "creatorstatus" type = "xs:string" use="required"/>
    <xs:attribute name = "wallet" type = "xs:string" use="required"/>
    <xs:attribute name = "devicetype" type = "xs:string" use="required"/>
    <xs:attribute name = "lang" type = "xs:string" use="optional"/>
    <xs:attribute name = "activationexpiry" type = "xs:string" use="optional"/>
    <xs:attribute name = "activationmethod" type = "xs:string" use="optional"/>
  </xs:complexType>
	<xs:complexType name="WalletTransactionSource">
		<xs:attribute name = "walletid" type = "xs:string"/>
		<xs:attribute name = "basecurrency" type = "xs:string"/>
		<xs:attribute name = "balancechange" type = "xs:string"/>
		<xs:attribute name = "blockchange" type = "xs:string"/>
		<xs:attribute name = "newbalance" type = "xs:string"/>
		<xs:attribute name = "newblock" type = "xs:string"/>
	</xs:complexType>
	<xs:complexType name="WalletTransactionDestination">
		<xs:attribute name = "walletid" type = "xs:string"/>
		<xs:attribute name = "balancechange" type = "xs:string"/>
		<xs:attribute name = "blockchange" type = "xs:string"/>
		<xs:attribute name = "newbalance" type = "xs:string"/>
		<xs:attribute name = "newblock" type = "xs:string"/>
	</xs:complexType>
	<xs:complexType name="WalletTransactionOther">
		<xs:attribute name = "amount" type = "xs:string"/>
		<xs:attribute name = "currency" type = "xs:string"/>
	</xs:complexType>	
  <xs:element name="Transactions">
    <xs:complexType>
      <xs:sequence>
        <xs:choice maxOccurs="unbounded">
          <xs:element minOccurs="0" maxOccurs="unbounded" name="CardAuthorisation">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="RecType" type="RecType" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AuthId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AuthTxnID" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LocalDate" type="LocalDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LocalDateUTC" type="LocalDateUTC" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Account" type="Account" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="TxnCode" type="TxnCode" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="TxnAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="CashbackAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="BillAmt" type="RateAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="ApprCode" type="ApprCode" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="Trace" type="Trace" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MerchCode" type="MerchCode" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="Term" type="Term" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Schema" type="Schema" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Txn" type="Txn" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MsgSource" type="MsgSourceCardAuthorisation" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="PaddingAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Rate_Fee">
                  <xs:complexType>
                    <xs:attribute name="value" type="xs:decimal" use="required"/>
                  </xs:complexType>
                </xs:element>
                <xs:element name="Fixed_Fee">
                  <xs:complexType>
                    <xs:attribute name="value" type="xs:decimal" use="required"/>
                  </xs:complexType>
                </xs:element>
                <xs:element name="CommissionAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Classification" type="Classification" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Response" type="Response" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="OrigTxnAmt" type="PartialAmount" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="ReversalReason" type="ReversalReason" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="Sender" type="SenderReceiver" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="Receiver" type="SenderReceiver" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="FXConv" type="FXConv" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="PaymentToken" type="PaymentToken" minOccurs="0" maxOccurs="1" nillable="true"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="CardFinancial">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="RecordType" minOccurs="1" maxOccurs="1" nillable="false">
                  <xs:simpleType>
                    <xs:restriction base="xs:string">
                      <xs:enumeration value="ADV"/>
                      <xs:enumeration value="REV"/>
                    </xs:restriction>
                  </xs:simpleType>
                </xs:element>
                <xs:element name="FinId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AuthId" type="NullOrULong" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="PresentmentID" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LocalDate" type="LocalDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LocalDateUTC" type="LocalDateUTC" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SchemeSettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SchemeReconciliationDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="CycleNumber" type="CycleNumber" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Account" type="Account" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="TxnCode" type="TxnCode" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="TxnAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="CashbackAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="BillAmt" type="ConversionRateAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="ApprCode" type="ApprCode" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Trace" type="Trace" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MerchCode" type="MerchCode" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Term" type="Term" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Schema" type="Schema" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Txn" type="Txn" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MsgSource" type="MsgSource" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Fee" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="FeeAmt" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="FeeClass" type="FeeClass" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SettlementAmt" type="ConversionSettlementAmt" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="ARN" type="ARN" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="FIID" type="FIID" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="RIID" type="RIID" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="ReasonCode" type="xs:string" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Classification" type="Classification" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Response" type="Response" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="OrigTxnAmt" type="PartialAmount" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="CCAAmount" type="CCAAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SettlementIndicator" type="xs:string" minOccurs="0" maxOccurs="1" nillable="false"/>
                <xs:element name="Additional_Amt_DE54" type="xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="BSA" type="xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="FXConv" type="FXConv" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="PaymentToken" type="PaymentToken" minOccurs="0" maxOccurs="1" nillable="true"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="CardChrgBackRepRes">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="RecordType" minOccurs="1" maxOccurs="1" nillable="false">
                  <xs:simpleType>
                    <xs:restriction base="xs:string">
                      <xs:enumeration value="CB"/>
                      <xs:enumeration value="CBREV"/>
                      <xs:enumeration value="REPRES"/>
                      <xs:enumeration value="REPRESREV"/>
                    </xs:restriction>
                  </xs:simpleType>
                </xs:element>
                <xs:element name="ChgbackRepresId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LocalDate" type="LocalDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Account" type="AccountChrgBack" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="TxnCode" type="TxnCode" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="TxnAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="CashbackAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="BillAmt" type="ConversionRateAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="ApprCode" type="ApprCode" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Trace" type="Trace" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MerchCode" type="MerchCode" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="Term" type="Term" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Schema" type="Schema" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Txn" type="Txn" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MsgSource" type="MsgSource" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Repeat" minOccurs="1" maxOccurs="1" nillable="false">
                  <xs:simpleType>
                    <xs:restriction base="xs:unsignedByte">
                      <xs:enumeration value="1"/>
                      <xs:enumeration value="2"/>
                    </xs:restriction>
                  </xs:simpleType>
                </xs:element>
                <xs:element name="SettlementAmt" type="ConversionSettlementAmt" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Fee" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="ARN" type="ARN" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="FIID" type="FIID" minOccurs="0" maxOccurs="1" nillable="false"/>
                <xs:element name="RIID" type="RIID" minOccurs="0" maxOccurs="1" nillable="false"/>
                <xs:element name="ReasonCode" type="xs:string" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Classification" type="Classification" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="OrigTxnAmt" type="PartialAmount" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="PartialReversal" type="xs:boolean" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="SettlementCycle" type="xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="ReconciliationDate" type="xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="ReconciliationCycle" type="xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="Usage" type="xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="Pending_Billing_Amount" type="xs:decimal" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="SettlementIndicator" type="xs:string" minOccurs="0" maxOccurs="1" nillable="false"/>
                <xs:element name="Additional_Amt_DE54" type="xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="ChargebackRefNum" type="xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="CardFee">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="CardFeeId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LocalDate" type="LocalDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Account" type="Account" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="TxId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="TxnCode" type="TxnCode" minOccurs="0" maxOccurs="1" nillable="false"/>
                <xs:element name="MerchCode" type="MerchCode" minOccurs="0" maxOccurs="1" nillable="false"/>
                <xs:element name="MsgSource" type="MsgSourceCardAuthorisation" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="FeeClass" type="FeeClass" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LoadUnloadId" type="xs:unsignedLong" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="Desc" type="Desc" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="FeeAmt" type="DirectionAmount" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="Amt" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="FIID" type="FIID" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="ReasonCode" type="xs:string" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Recon" type="Recon" minOccurs="0" maxOccurs="1" nillable="false"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="MasterCardFee">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="RecordType" type="xs:string" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="MastercardFeeId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MTID" type="MTID" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Function_Code_024" type="Function_Code_024" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Conversion_Rate_Reconciliation_009" type="Conversion_Rate_Reconciliation_009" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Additional_Data_048" type="Additional_Data_048" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LocalDate" type="LocalDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="FeeClass" type="MasterCardFeeClass" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Desc" type="Desc" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="FeeAmt" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Amt" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="ReasonCode" type="xs:string" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Data_Record_072" type="Data_Record_072" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="DE93_Txn_Dest_ID" type="DE93_Txn_Dest_ID" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="DE94_Txn_Orig_ID" type="DE94_Txn_Orig_ID" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="File_ID_PDS0105" type="File_ID_PDS0105" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="FileProcessDate" type="FileProcessDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Recon" type="Recon" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Settlement" type="Settlement" minOccurs="1" maxOccurs="1" nillable="false"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="CardLoadUnload">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="RecordType" minOccurs="1" maxOccurs="1" nillable="false">
                  <xs:simpleType>
                    <xs:restriction base="xs:string">
                      <xs:enumeration value="LOAD"/>
                      <xs:enumeration value="LOADREV"/>
                      <xs:enumeration value="UNLOAD"/>
                      <xs:enumeration value="UNLOADREV"/>
                    </xs:restriction>
                  </xs:simpleType>
                </xs:element>
                <xs:element name="LoadUnloadId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="LocalDate" type="LocalDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Account" type="Account" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MerchCode" type="MerchCode" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="Amount" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Desc" type="Desc" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Load" type="LoadSource" minOccurs="1" maxOccurs="1" nillable="false"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="ApprovedAgencyBanking">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="CashType" minOccurs="1" maxOccurs="1" nillable="true">
                  <xs:simpleType>
                    <xs:restriction base="xs:string">					
                    </xs:restriction>
                  </xs:simpleType>
                </xs:element>
                <xs:element name="BankingId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="File" type="ABFile" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AgencyAccount" type="ABAccount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="External" type="ABExternal" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="CashCode" type="ABCashCode" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="Desc" type="Desc" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="CashAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Fee" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="BillAmt" type="RateAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="OrigTxnAmt" type="PartialAmount" minOccurs="0" maxOccurs="1" nillable="true"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="DeclinedAgencyBanking">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="CashType" minOccurs="1" maxOccurs="1" nillable="true">
                  <xs:simpleType>
                    <xs:restriction base="xs:string">				
                    </xs:restriction>
                  </xs:simpleType>
                </xs:element>
                <xs:element name="BankingId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="File" type="ABFile" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AgencyAccount" type="ABAccount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="External" type="ABExternal" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="CashCode" type="ABCashCode" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Desc" type="Desc" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="CashAmt" type="BasicAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="DeclineReason" type="ABDeclineReason" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="OrigTxnAmt" type="PartialAmount" minOccurs="0" maxOccurs="1" nillable="true"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="AgencyBankingFee">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="BankingFeeId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AgencyAccount" type="ABAccount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AbId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Desc" type="Desc" minOccurs="1" maxOccurs="1" nillable="true"/>
                <xs:element name="Amt" type="ABDirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="CardBalAdjust">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="LocalDate" type="LocalDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AdjustId" type="xs:unsignedLong" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="SettlementDate" type="SettlementDate" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Card" type="Card" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Account" type="Account" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="Amount" type="DirectionAmount" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="MerchCode" type="MerchCode" minOccurs="0" maxOccurs="1" nillable="true"/>
                <xs:element name="Desc" type="Desc" minOccurs="1" maxOccurs="1" nillable="false"/>
                <xs:element name="AdjustType" type="AdjustType" minOccurs="1" maxOccurs="1" nillable="false"/>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
          <xs:element minOccurs="0" maxOccurs="unbounded" name="CardEvent">
            <xs:complexType>
              <xs:sequence>
                <xs:element name="Card">
                  <xs:complexType>
                    <xs:attribute name="PAN" type="xs:unsignedLong" use="required"/>
                    <xs:attribute name = "productid" use = "optional">
                      <xs:simpleType>
                        <xs:restriction base = "xs:string">
                          <xs:maxLength value = "5"/>
                        </xs:restriction>
                      </xs:simpleType>
                    </xs:attribute>
                  </xs:complexType>
                </xs:element>
                <xs:element name="Event">
                  <xs:complexType>
                    <xs:attribute name="Type" type="EventType" use="required"/>
                    <xs:attribute name="Source" type="xs:unsignedByte" use="required"/>
                    <xs:attribute name="ActivationDate" type="xs:string" use="required"/>
                    <xs:attribute name="ConvertedDate" type="xs:string" use="optional"/>
                    <xs:attribute name="StatCode" type="xs:string" use="required"/>
                    <xs:attribute name="OldStatCode" type="xs:string" use="required"/>
                    <xs:attribute name="Date" type="xs:string" use="required"/>
                    <xs:attribute name="transactionid" type="xs:string" use="required"/>
                  </xs:complexType>
                </xs:element>
              </xs:sequence>
            </xs:complexType>
          </xs:element>
	      <xs:element minOccurs="0" maxOccurs="unbounded" name="WalletTransaction">
				<xs:complexType>
					<xs:sequence>
						<xs:element name = "Id" type = "xs:string" minOccurs="1" maxOccurs="1" nillable="false"/>
						<xs:element name = "TransactionId" type = "xs:string" minOccurs="1" maxOccurs="1" nillable="false"/>
						<xs:element name = "SequenceNumber" type = "xs:string" minOccurs="1" maxOccurs="1" nillable="false"/>
						<xs:element name = "OperationType" type = "xs:string" minOccurs="0" maxOccurs="1" nillable="true"/>
						<xs:element name = "Source" type = "WalletTransactionSource" minOccurs="0" maxOccurs="1" nillable="true"/>
						<xs:element name = "Destination" type = "WalletTransactionDestination" minOccurs="0" maxOccurs="1" nillable="true"/>
						<xs:element name = "Other" type = "WalletTransactionOther" minOccurs="0" maxOccurs="1" nillable="true"/>
						<xs:element name = "FxRate" type = "xs:string" minOccurs="1" maxOccurs="1" nillable="false"/>
					</xs:sequence>
				</xs:complexType>
			</xs:element>			
        </xs:choice>
      </xs:sequence>
    </xs:complexType>
  </xs:element>
</xs:schema>