// ...
  payload := strings.NewReader("{
\n  	\"clientReferenceInformation\": {
\n  		\"code\": \"test_payment\"
\n  	},
\n  	\"processingInformation\": {
\n  		\"commerceIndicator\": \"internet\"
\n  	},						
\n  	\"orderInformation\": {
\n  		\"billTo\": {	
\n  			\"firstName\": \"John\",
\n  			\"lastName\": \"Doe\",
\n  			\"address1\": \"1 Market St\",
\n  			\"postalCode\": \"94105\",
\n  			\"locality\": \"san francisco\",
\n  			\"administrativeArea\": \"CA\",
\n  			\"country\": \"US\",
\n  			\"phoneNumber\": \"4158880000\",
\n  			\"company\": \"Visa\",
\n  			\"email\": \"test@cybs.com\"
\n  		},
\n  		\"amountDetails\": {
\n  			\"totalAmount\": \"102.21\",
\n  			\"currency\": \"USD\"
\n  		}
\n  	},
\n  	\"paymentInformation\": {
\n  		\"card\": {
\n  			\"expirationYear\": \"2031\",
\n  			\"number\": \"4111111111111111\",
\n  			\"securityCode\": \"123\",
\n  			\"expirationMonth\": \"12\"
\n  		}
\n  	}
\n  }")
// ...

payload := strings.NewReader(`{
	"clientReferenceInformation": {
		"code": "test_payment"
	},
	"processingInformation": {
		"commerceIndicator": "internet"
	},						
	"orderInformation": {
		"billTo": {	
			"firstName": "John",
			"lastName": "Doe",
			"address1": "1 Market St",
			"postalCode": "94105",
			"locality": "san francisco",
			"administrativeArea": "CA",
			"country": "US",
			"phoneNumber": "4158880000",
			"company": "Visa",
			"email": "test@cybs.com"
		},
		"amountDetails": {
			"totalAmount": "102.21",
			"currency": "USD"
		}
	},
	"paymentInformation": {
		"card": {
			"expirationYear": "2031",
			"number": "4111111111111111",
			"securityCode": "123",
			"expirationMonth": "12"
		}
	}
`)