CustomerXML

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XML Tags

Customer fields can be passed using a CustomerXML document to provide more accurate fraud screening. The XML tags should follow the order they are listed in the following table.

CustomerXML tags and values

Node/Element

Description

Mandatory

Format and Valid Characters

Max Length

Allowed Values

customer

The root element for all other customer elements.

No

Node

 

 

customerMiddleInitial

The customer's middle initial.

No

Uppercase letter

1

 

customerBirth

The customer's date of birth.

No

Digits and hyphens
 

10

Date as YYYY-MM-DD

customerWorkPhone

The customer's work phone number in the format of:

plus, country-code, dialling code less its leading zero, and phone-number. For example, a UK phone number of 01234 567891 must be written as: +44 1234 567891

 

Required, conditional on market or regional mandate restricting sending this information.

Conditional

Letters, digits, hyphens, spaces, parentheses, and plus
      

19

 

customerMobilePhone

The customer's mobile phone number in the format of:

plus, country-code, dialling code less its leading zero, and phone-number. For example, a UK phone number of 01234 567891 must be written as: +441234567891

 

Required, conditional on market or regional mandate restricting sending this information although we recommended you populate this field toward a successful Authentication. It can prevent your customer from being challenged during Authentication.

No

Letters, digits, hyphens, spaces, parentheses, and plus
     

 

 

 

 

 

19

 

previousCust

Is the customer a new or returning customer? Validation:

  • true or false

  • 1 or 0

No

BOOLEAN

 

 

timeOnFile

The number of days since the card was first recorded.

No

Digits, hyphens, spaces, and plus
   

16

Min Value 0

customerId

The customer's ID

No

Letters and digits
 

16

 

Example XML

Line breaks are added for ease of review.

<customer>
        <customerMiddleInitial>W</customerMiddleInitial>
        <customerBirth>1983-01-01</customerBirth>
        <customerWorkPhone>+44201234567</customerWorkPhone>
        <customerMobilePhone>+44799123456</customerMobilePhone>
        <previousCust>0</previousCust>
        <timeOnFile>10</timeOnFile>
        <customerId>CUST123</customerId>
</customer>