<?xml version="1.0" encoding="UTF-8"?>
<request timestamp="20160125175725" type="card-update-card">
    <merchantid>thestore</merchantid>
    <account>internet</account>
    <card>
        <ref>visa01</ref>
        <payerref>smithj01</payerref>
        <expdate>0104</expdate>
        <chname>John Smith</chname>
        <type>visa</type>
    </card>
    <sha1hash>73ab20318d1977131eb41d7054c5549bce95228a</sha1hash>
</request>