<?xml version="1.0" encoding="UTF-8" standalone="yes"?><Response version="1.0"><Transaction><Payment code="er.er"/><Processing><Timestamp>2026-10-30 07:49:26</Timestamp><Result>NOK</Result><Status code="70">REJECTED_VALIDATION</Status><Reason code="20">Format Error</Reason><Return code="200.100.102">invalid Request. XML load missing (XML string must be sent within parameter 'load')</Return><ConnectorDetails/></Processing></Transaction></Response>