Since I have implemented the Accept.js in our payment terminal we have been getting up to 33% error rate from our clients using it - some have tried a couple times with no success and others have had periodic success. I can't seem to track any pattern but the error response I am getting is: 'The element 'opaqueData' in namespace 'AnetApi/xml/v1/schema/AnetApiSchema.xsd' has incomplete content. List of possible elements expected: 'dataDescriptor' in namespace 'AnetApi/xml/v1/schema/AnetApiSchema.xsd'

I thought maybe if I posted the code someone could point out the obvious. I have tried to trim it down to the minimum necessary to follow the flow:

client side javascript

/*
 * Once the form fields are confirmed to be correct during the submit event,
 * this function is called.
 */
function sendPaymentDataToAnet() {
    var secureData = {}, authData = {}, cardData = {};

    data = formData(Billing.flags.sensitive);
    cardData.cardNumber = data.card_number;
    cardData.month = data.exp_month;
    cardData.year = data.exp_year;
    cardData.cardCode = data.card_code;
    cardData.zip =  Billing.changes.hasOwnProperty('zip') ? Billing.changes.zip : Billing.fields.zip;
    var name = [(Billing.changes.hasOwnProperty('first_name') ? Billing.changes.first_name : Billing.fields.first_name),
                (Billing.changes.hasOwnProperty('last_name') ? Billing.changes.last_name : Billing.fields.last_name)];
    var fullname = name.join(' ');
    cardData.fullname = fullname.trim();
    secureData.cardData = cardData;

    authData.clientKey = BDP.clientKey;
    authData.apiLoginID = BDP.apiLoginID;
    secureData.authData = authData;

    Accept.dispatchData(secureData, 'creditCardHandler');
}

function creditCardHandler(response) {

    var data = formData();
    delete data.card_number;
    delete data.card_code;
    if (response.messages.resultCode === 'Error') {
        var errorMsg = '';
        for (var i = 0; i < response.messages.message.length; i++) {
            errorMsg = errorMsg + response.messages.message[i].code + ':' + response.messages.message[i].text + ' ';
        }
        data.error = errorMsg;
    }
    else if ( response.hasOwnProperty('opaqueData') )
    {
        var opaqueData = response.opaqueData;
        data.dataDescriptor = opaqueData.hasOwnProperty('dataDescriptor') ? opaqueData.dataDescriptor : 'COMMON.ACCEPT.INAPP.PAYMENT';
        data.dataValue = opaqueData.hasOwnProperty('dataValue') ? opaqueData.dataValue : null;
        if ( data.dataValue === null || data.dataValue.length < 1 )
        {
            data.error = "Payment gateway returned an invalid response: dataValue is empty.";
        }
    }

    $.post("/billing/terminal.php",data)
    .always(function(data) {
        $('#confirm').hide();
        $('#entry-form').hide();
        $('#response .contents').empty().append(data);
        $('#response').show();
        $("body").css("cursor", "default");
    });
}

server-side php

$pdo = new PDO("mysql:host=".$DB['host'].";dbname=".$DB['schema'], $DB['user'], $DB['pwd']);

if ($_SERVER['REQUEST_METHOD'] === 'POST') {
    $merchantAuthentication = new AnetAPI\MerchantAuthenticationType();
    $merchantAuthentication->setName(\Billing\Constants::MERCHANT_LOGIN_ID);
    $merchantAuthentication->setTransactionKey(\Billing\Constants::MERCHANT_TRANSACTION_KEY);

    // $base: information specific to the account being charged along with the dollar amount
    // $address: billing address
    // $group := we have several product lines and this holds information about
    // which line holds the account being charged.

    $data = array_merge($base, $address,['dataDescriptor'=>$_POST['dataDescriptor'],
                                        'dataValue'=>$_POST['dataValue']],$group);

    $response = cc_transaction($merchantAuthentication, $data, $pdo);
}

    function cc_transaction($merchantAuthentication, $data, $pdo)
    {
        global $anetUrl;

        $refId = 'ref' . time();

        $op = new AnetAPI\OpaqueDataType();
        $op->setDataDescriptor($data['dataDescriptor']);
        $op->setDataValue($data['dataValue']);
        $paymentOne = new AnetAPI\PaymentType();
        $paymentOne->setOpaqueData($op);

        $billTo = new AnetAPI\CustomerAddressType();
        $billTo->setFirstName($data['first_name'])
            ->setLastName($data['last_name'])
            ->setAddress($data['address'])
            ->setCity($data['city'])
            ->setState($data['state'])
            ->setZip($data['zip']);
        $customer = new AnetAPI\CustomerDataType();
        $customer->setId($data['customer_id']);
        $customer->setEmail($data['email']);

        $orderType = new AnetAPI\OrderType();
        $invoiceNumber = substr($data['customer_id'] . '_' . date('ymdHis'),0,20);
        $orderType->setInvoiceNumber($invoiceNumber);
        $orderType->setDescription($data['description'] . ' payment terminal');

        $transactionRequestType = new AnetAPI\TransactionRequestType();
        $transactionRequestType->setAmount($data['amount']);
        $transactionRequestType->setBillTo($billTo);
        $transactionRequestType->setCustomer($customer);
        $transactionRequestType->setOrder($orderType);
        $transactionRequestType->setPayment($paymentOne);
        $transactionRequestType->setTransactionType( "authCaptureTransaction");

        $request = new AnetAPI\CreateTransactionRequest();
        $request->setMerchantAuthentication($merchantAuthentication);
        $request->setRefId( $refId);
        $request->setTransactionRequest( $transactionRequestType);

        $controller = new AnetController\CreateTransactionController($request);
        $response = $controller->executeWithApiResponse($anetUrl);

        if (($response != null) && ($response->getMessages()->getResultCode() == "Ok") ) {
            $tresponse = $response->getTransactionResponse();
            if ($tresponse != null && $tresponse->getMessages() != null) {   // success
                $respData = array(
                    'amount'=>$data['amount'],
                    'response_description'=>$tresponse->getMessages()[0]->getDescription(),
                    'auth_code'=>$tresponse->getAuthCode(),
                    'transaction_id'=>$tresponse->getTransId(),
                    'payment_method'=>$tresponse->getAccountType() . ' ' . $tresponse->getAccountNumber(),
                    'memo'=> '(' . $tresponse->getAccountType() . ') ' . $tresponse->getAccountNumber()
                        . ' - AUTH: ' . $tresponse->getAuthCode()
                );
                $avsResultCode = $tresponse->getAvsResultCode();
                if ( isset(\Billing\Lists::$AvsResponse[$avsResultCode]) )
                    $respData['avs_response'] = \Billing\Lists::$AvsResponse[$avsResultCode];

                $lead_in = response_page_lead(false);
                $payment_information = payment_information($respData);
                $billing_information = billing_information($data);
                $action_buttons = action_buttons(false);
                $infoResponse = join('',[$lead_in,$payment_information,$billing_information,$action_buttons,'</div>']);
            }
            else {   // error
                if($tresponse->getErrors() != null) {
                    $errorMessage = $tresponse->getErrors()[0]->getErrorCode() . "  " . $tresponse->getErrors()[0]->getErrorText();

                    $error_code = $tresponse->getErrors()[0]->getErrorCode();
                    $error_text = $tresponse->getErrors()[0]->getErrorText();
                    $account_type = $tresponse->getAccountType();
                    $account_number = $tresponse->getAccountNumber();
                    $codes = join('|',array($tresponse->getErrors()[0]->getErrorCode(),
                                            $tresponse->getAvsResultCode(),
                                            $tresponse->getCvvResultCode(),
                                            $tresponse->getCavvResultCode()));
                    $error = "CC Failure (" . $account_type . ") " . $account_number . ": " . $codes . ' ' . $error_text;
                    $logMessage = date('D, d M Y h:i:s O') . " ERROR : (" . __FILE__ . ' : ' . __LINE__ . ") - " . $errorMessage;
                    if (AUTHORIZENET_LOG_FILE)
                        file_put_contents(AUTHORIZENET_LOG_FILE, $logMessage, FILE_APPEND);

                    $payment_information = billing_information($data);
                    $action_buttons = action_buttons(true);
                }
                else {
                    $error = "General payment error.";
                }

                $amountStr = 'Amount: $' . $data['amount'] . '<br />';
                $lead_in = response_page_lead($amountStr . $error);
                $billing_information = billing_information($data);
                $action_buttons = action_buttons(true);
                $infoResponse = join('',[$lead_in,$billing_information,$action_buttons,'</div>']);
            }
        }
        else {   // error
            $errorMessages = $response->getMessages()->getMessage();
            $error_code = $errorMessages[0]->getCode();
            $error_text = $errorMessages[0]->getText();
            $account_type = $data['card_type'];
            $account_number = $data['safe_number'];
            $error = "CC Failure (" . $account_type . ") " . $account_number . ": " . $error_text;
            $errorMessage = $error_code . "  " . $error_text;
            $logMessage = date('D, d M Y h:i:s O') . " ERROR : (" . __FILE__ . ' : ' . __LINE__ . ") - " . $errorMessage;
            if (AUTHORIZENET_LOG_FILE)
                file_put_contents(AUTHORIZENET_LOG_FILE, $logMessage, FILE_APPEND);

            $amountStr = 'Amount: $' . $data['amount'] . '<br />';
            $lead_in = response_page_lead($amountStr . $error);
            $billing_information = billing_information($data);
            $action_buttons = action_buttons(true);
            $infoResponse = join('',[$lead_in,$billing_information,$action_buttons,'</div>']);
        }

        return $infoResponse;
    }