$username     = lc($username) if charge_param('lcusername') =~ /$currency/;
my $password     = charge_param('password') or die "No password\n";
my $txtype       = $::Values->{'txtype'} || charge_param('txtype') || 'Auth';
           $::Values->{'txtype'} = '';
my $paymenttype  = $::Values->{'payment_type'} || charge_param('payment_type') \
 || 'Payment'; # PaymentNoFraud bypasses HSBC's fraud tests
           $::Values->{'payment_type'} = '';
my $txmode       = $::Values->{'txmode'} || charge_param('txmode') | \
| 'P'; # P = production, others listed above
           $::Values->{'txmode'} = '';
my $authcode     = $::Values->{'authcode'} || ''; # Obtained by voice \
 authorisation for ForceInsertPreauth and the like
my $hsbctdspage  = charge_param('hsbctdspage') || 'ord/hsbctds'; 
my $returnurl    = charge_param('returnurl') || "$::Variable->{SECURE_SERVER}$::Variable->{CGI_URL}/ord/hsbctdsreturn";
my $finalcheckout = charge_param('finalcheckoutpage') || 'ord/checkout';
my $currencyshort = $currency;
   $currencyshort =~ /(\w\w)/i;

my $accountType = $::Values->{account_type} || charge_param('account_type') || 'E';
my $payID       = $::Values->{inv_no} || $::Session->{mv_transaction_id} \
 \
 || $::Session->{id}.$amount;
my $logorder    = charge_param('logorder') || 'no'; # Set to 'yes' or \ \

 '1' to log basket plus data useful when arguing with SagePay over empty responses
my $logsagepay  = charge_param('logsagepay') || 'no'; # Set to yes or \
 1 to log sagepay activity for debugging
my $logzero     = charge_param('logzero')   || 'no';
my $available   = $::Values->{available} || charge_param('available')  || 'no';
my $description = "$::Values->{company} $::Values->{fname} $::Values->{lname}";
   $description = substr($description,0,99);
my $apply3ds    = $::Values->{apply3ds} ||  charge_param('apply3ds') \
 || '0'; # '2' will turn 3ds off, '0' is default live variant
my $applyAVSCV2 = $::Values->{applyavscv2} || charge_param('applyavscv2') || '0';
my $termurl     = charge_param('returnurl') || "$::Variable->{SECURE_SERVER}$::Variable->{CGI_URL}/ord/tdsreturn";
my $tdscallback = charge_param('tdscallback') || '/gateway/service/direct3dcallback.vsp';
my $checkouturl = charge_param('checkouturl') || "$::Variable->{SECURE_SERVER}$::Variable->{CGI_URL}/ord/checkout";
my $checkstatus = charge_param('check_status') || '1';
my $checkstatusurl = charge_param('check_status_url') || '/TxStatus/TxStatus.asp';

 }
  
  return(%result) if length $result{'MErrMsg'};

#::logDebug("Cardsave"..": txtype=$::Values->{txtype}; req=$::Values->{cardsaverequest};$cardsaverequest");
my $username     = charge_param('id') or die "No username id\n";
my $password     = charge_param('password') or die "No password\n";
 my $txtype       = charge_param('txtype') || $::Values->{'txtype'} || 'SALE';
   $::Values->{'txtype'} ||= $txtype;
my $tdsfinalpage = charge_param('tdsfinalpage') || 'ord/tdsfinal'; 
my $termurl      = charge_param('returnurl') || "$::Variable->{SECURE_SERVER}$::Variable->{CGI_URL}/ord/tdscardsavereturn";
# ISO currency code, from the page for a multi-currency site or fall back to config files.
my $currency = $::Scratch->{'iso_currency_code'} || $::Values->{'currency_code'} \
 || charge_param('currency') || 'GBP';
my $currency2 = $currency;
   $currency2 =~ /(\w\w)/i;