<xs:complexType name="PayerType" xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <xs:sequence>
    <xs:element name="Reference" type="xs:string" minOccurs="1">
      <xs:annotation>
        <xs:documentation>
          <p xmlns="http://Hps.Exchange.PosGateway">Order Reference</p>
        </xs:documentation>
      </xs:annotation>
    </xs:element>
    <xs:element name="Email" type="emailType" minOccurs="1" />
    <xs:element name="DateOfBirth" type="xs:date" minOccurs="1" />
    <xs:element name="Salutation" type="xs:string" minOccurs="1" />
    <xs:element name="Gender" type="GenderType" minOccurs="1" />
    <xs:element name="Employment" type="EmploymentType" minOccurs="1" />
    <xs:element name="ResidentialStatus" type="ResidentialStatusType" minOccurs="1" />
    <xs:element name="BillingAddress" type="BillingAddressType" minOccurs="1" />
    <xs:element name="ContactPhone" type="ContactPhoneType" minOccurs="1" />
    <xs:element name="Identification" type="PayerIdentificationType" minOccurs="0" maxOccurs="unbounded" />
  </xs:sequence>
</xs:complexType>