return { SUCCESS => $response->{RESULT} == 0,
            MESSAGE => $response->{RESPMSG},
           AUTHCODE => $response->{AUTHCODE},
            PNREF   => $response->{PNREF},
            CC_TYPE => $params{CCTYPE},
      TOTAL_PAYMENT => $params{AMOUNT},
      CHECK_DETAILS => $checkInfo,
            };