diff --git a/CHANGELOG.md b/CHANGELOG.md
index c32706db..843fbe96 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -6,6 +6,12 @@
 
 ## Latest version
 #### Enhancements:
+- GP-API: Add mapping for some missing fields on response 3DS2 initiate step
+- GP-ECOM: Add missing optional fields HPP_CUSTOMER_PHONENUMBER_HOME and HPP_CUSTOMER_PHONENUMBER_WORK
+- Update Open Banking endpoints
+
+## v4.0.3 (06/28/2022)
+#### Enhancements:
 - Add autoloader standalone
 - Add end-to-end example for GP-API with HF and 3DS2
 - Refacto on the folder structure in examples
@@ -25,6 +31,7 @@
 - GP-ECOM/GP-API: Structure refacto  
 - Upgrade to min PHP 7.1 
 - GP-API: Add example with Google Pay
+- GP-API: Add Dynamic Descriptor for authorize and charge
 
 ## v3.1.1 (05/17/2022)
 #### Enhancements:
diff --git a/examples/gp-ecom/hpp/get-json.php b/examples/gp-ecom/hpp/get-json.php
index 04994312..2b5ccb2b 100644
--- a/examples/gp-ecom/hpp/get-json.php
+++ b/examples/gp-ecom/hpp/get-json.php
@@ -12,6 +12,7 @@
 use GlobalPayments\Api\Entities\Enums\HppVersion;
 use GlobalPayments\Api\Entities\Exceptions\ApiException;
 use GlobalPayments\Api\Services\HostedService;
+use GlobalPayments\Api\Entities\Enums\PhoneNumberType;
 
 // configure client, request and HPP settings
 $config = new GpEcomConfig();
@@ -74,6 +75,8 @@
         ->withHostedPaymentData($hostedPaymentData)
         ->withAddress($billingAddress, AddressType::BILLING)
         ->withAddress($shippingAddress, AddressType::SHIPPING)
+        ->withPhoneNumber('44', '124 445 556', PhoneNumberType::WORK)
+        ->withPhoneNumber('44', '124 444 333', PhoneNumberType::HOME)
         ->withRemittanceReference(RemittanceReferenceType::TEXT, 'Nike Bounce Shoes')
         ->serialize();
     //with this, we can pass our json to the client side
diff --git a/metadata.xml b/metadata.xml
index 1133cdc8..402d4051 100644
--- a/metadata.xml
+++ b/metadata.xml
@@ -1,3 +1,3 @@
 <xml>
-  <releaseNumber>4.0.3</releaseNumber>
+  <releaseNumber>4.0.4</releaseNumber>
 </xml>
\ No newline at end of file
diff --git a/src/Entities/Enums/ServiceEndpoints.php b/src/Entities/Enums/ServiceEndpoints.php
index 4b8a6905..0924280f 100644
--- a/src/Entities/Enums/ServiceEndpoints.php
+++ b/src/Entities/Enums/ServiceEndpoints.php
@@ -26,6 +26,6 @@ class ServiceEndpoints extends Enum
     const PROPAY_PRODUCTION_CANADIAN = "https://www.propaycanada.ca/API/PropayAPI.aspx";
     const GP_API_TEST = "https://apis.sandbox.globalpay.com/ucp";
     const GP_API_PRODUCTION = "https://apis.globalpay.com/ucp";
-    const OPEN_BANKING_TEST = 'https://beta.sandbox.globalpay-ecommerce.com/openbanking';
-    const OPEN_BANKING_PRODUCTION = 'https://beta.globalpay-ecommerce.com/openbanking';
+    const OPEN_BANKING_TEST = 'https://api.sandbox.globalpay-ecommerce.com/openbanking';
+    const OPEN_BANKING_PRODUCTION = 'https://api.globalpay-ecommerce.com/openbanking';
 }
diff --git a/src/Entities/ThreeDSecure.php b/src/Entities/ThreeDSecure.php
index a57a69d8..304228c0 100644
--- a/src/Entities/ThreeDSecure.php
+++ b/src/Entities/ThreeDSecure.php
@@ -358,6 +358,20 @@ public function setVersion($version)
      */
     public $liabilityShift;
 
+    /**
+     * Reference Number assigned by the ACS.
+     *
+     * @var string
+     */
+    public $acsReferenceNumber;
+
+    /**
+     * The reference created by the 3DSecure provider to identify the specific authentication attempt.
+     *
+     * @var string
+     */
+    public $providerServerTransRef;
+
     public function __construct()
     {
         $this->paymentDataType = '3DSecure';
@@ -414,6 +428,8 @@ public function merge(ThreeDSecure $secureEcom)
             $this->exemptStatus = $this->mergeValue($this->exemptStatus, $secureEcom->exemptStatus);
             $this->exemptReason = $this->mergeValue($this->exemptStatus, $secureEcom->exemptReason);
             $this->liabilityShift = $this->mergeValue($this->liabilityShift, $secureEcom->liabilityShift);
+            $this->acsReferenceNumber = $this->mergeValue($this->acsReferenceNumber, $secureEcom->acsReferenceNumber);
+            $this->providerServerTransRef = $this->mergeValue($this->providerServerTransRef, $secureEcom->providerServerTransRef);
         }
     }
 
diff --git a/src/Gateways/GpEcomConnector.php b/src/Gateways/GpEcomConnector.php
index feb13982..105ab270 100644
--- a/src/Gateways/GpEcomConnector.php
+++ b/src/Gateways/GpEcomConnector.php
@@ -28,6 +28,7 @@
 use GlobalPayments\Api\Entities\Enums\Secure3dVersion;
 use GlobalPayments\Api\Builders\Secure3dBuilder;
 use GlobalPayments\Api\Entities\Exceptions\ApiException;
+use GlobalPayments\Api\Utils\StringUtils;
 
 class GpEcomConnector extends XmlGateway implements IPaymentGateway, IRecurringService, ISecure3dProvider
 {
@@ -377,6 +378,18 @@ public function serializeRequest(AuthorizationBuilder $builder)
             );
         }
 
+        if (!empty($builder->homePhone)) {
+            $this->setSerializeData('HPP_CUSTOMER_PHONENUMBER_HOME',
+                StringUtils::validateToNumber($builder->homePhone->countryCode) . '|' .
+                StringUtils::validateToNumber($builder->homePhone->number));
+        }
+
+        if (!empty($builder->workPhone)) {
+            $this->setSerializeData('HPP_CUSTOMER_PHONENUMBER_WORK',
+                StringUtils::validateToNumber($builder->workPhone->countryCode) . '|' .
+                StringUtils::validateToNumber($builder->workPhone->number));
+        }
+
         $this->setSerializeData('VAR_REF', $builder->clientTransactionId);
         $this->setSerializeData('HPP_LANG', $this->hostedPaymentConfig->language);
         $this->setSerializeData('MERCHANT_RESPONSE_URL', $this->hostedPaymentConfig->responseUrl);
diff --git a/src/Mapping/GpApiMapping.php b/src/Mapping/GpApiMapping.php
index c96dc20d..90bb92ec 100644
--- a/src/Mapping/GpApiMapping.php
+++ b/src/Mapping/GpApiMapping.php
@@ -468,8 +468,8 @@ public static function mapResponseSecure3D($response)
     {
         $transaction = new Transaction();
         $threeDSecure = new ThreeDSecure();
-        $threeDSecure->serverTransactionId = !empty($response->id) ? $response->id :
-            (!empty($response->three_ds->server_trans_ref) ? $response->three_ds->server_trans_ref : null);
+        $threeDSecure->serverTransactionId = $response->id;
+
         if (!empty($response->three_ds->message_version)) {
             $messageVersion = $response->three_ds->message_version;
             switch (substr($messageVersion, 0, 2)) {
@@ -499,6 +499,8 @@ public static function mapResponseSecure3D($response)
         $threeDSecure->eci = !empty($response->three_ds->eci) ? $response->three_ds->eci : null;
         $threeDSecure->acsInfoIndicator = !empty($response->three_ds->acs_info_indicator) ?
             $response->three_ds->acs_info_indicator : null;
+        $threeDSecure->acsReferenceNumber = $response->three_ds->acs_reference_number ?? null;
+        $threeDSecure->providerServerTransRef = $response->three_ds->server_trans_ref ?? null;
         $threeDSecure->challengeMandated = !empty($response->three_ds->challenge_status) ?
             ($response->three_ds->challenge_status == 'MANDATED') : false;
         $threeDSecure->payerAuthenticationRequest = !empty($response->three_ds->method_data->encoded_method_data) ?
diff --git a/test/Integration/Gateways/GpApiConnector/CreditCardPresentTest.php b/test/Integration/Gateways/GpApiConnector/CreditCardPresentTest.php
index d20f44a2..3a7ce87d 100644
--- a/test/Integration/Gateways/GpApiConnector/CreditCardPresentTest.php
+++ b/test/Integration/Gateways/GpApiConnector/CreditCardPresentTest.php
@@ -632,8 +632,6 @@ public function testIncrementalAuth()
         $this->assertEquals(TransactionStatus::PREAUTHORIZED, $transaction->responseMessage);
         $this->assertEquals(60, $transaction->authorizedAmount);
 
-
-
         $capture = $transaction->capture()->execute();
 
         $this->assertNotNull($capture);
@@ -641,6 +639,118 @@ public function testIncrementalAuth()
         $this->assertEquals(TransactionStatus::CAPTURED, $capture->responseMessage);
     }
 
+    public function testIncrementalAuth_WithoutCurrencyAndLodgingData()
+    {
+        $card = $this->initCreditCardData();
+
+        $transaction = $card->authorize(50)
+            ->withCurrency($this->currency)
+            ->execute();
+
+        $this->assertNotNull($transaction);
+        $this->assertEquals('SUCCESS', $transaction->responseCode);
+        $this->assertEquals(TransactionStatus::PREAUTHORIZED, $transaction->responseMessage);
+
+        $transaction = $transaction->additionalAuth(10)
+            ->execute();
+
+        $this->assertNotNull($transaction);
+        $this->assertEquals('SUCCESS', $transaction->responseCode);
+        $this->assertEquals(TransactionStatus::PREAUTHORIZED, $transaction->responseMessage);
+        $this->assertEquals(60, $transaction->authorizedAmount);
+    }
+
+    public function testIncrementalAuth_ZeroAmount()
+    {
+        $card = $this->initCreditCardData();
+
+        $transaction = $card->authorize(50)
+            ->withCurrency($this->currency)
+            ->execute();
+
+        $this->assertNotNull($transaction);
+        $this->assertEquals('SUCCESS', $transaction->responseCode);
+        $this->assertEquals(TransactionStatus::PREAUTHORIZED, $transaction->responseMessage);
+
+        $transaction = $transaction->additionalAuth(0)
+            ->execute();
+
+        $this->assertNotNull($transaction);
+        $this->assertEquals('SUCCESS', $transaction->responseCode);
+        $this->assertEquals(TransactionStatus::PREAUTHORIZED, $transaction->responseMessage);
+        $this->assertEquals(50, $transaction->authorizedAmount);
+    }
+
+    public function testIncrementalAuth_ChargeTransaction()
+    {
+        $card = $this->initCreditCardData();
+
+        $charge = $card->charge(50)
+            ->withCurrency($this->currency)
+            ->execute();
+
+        $this->assertNotNull($charge);
+        $this->assertEquals('SUCCESS', $charge->responseCode);
+        $this->assertEquals(TransactionStatus::CAPTURED, $charge->responseMessage);
+
+        $exceptionCaught = false;
+        try {
+            $charge->additionalAuth(10)
+                ->execute();
+        } catch (GatewayException $e) {
+            $exceptionCaught = true;
+            $this->assertEquals('40290', $e->responseCode);
+            $this->assertContains('Status Code: INVALID_ACTION - Cannot PROCESS Incremental Authorization over a transaction that does not have a status of PREAUTHORIZED.', $e->getMessage());
+        } finally {
+            $this->assertTrue($exceptionCaught);
+        }
+    }
+
+    public function testIncrementalAuth_WithoutAmount()
+    {
+        $card = $this->initCreditCardData();
+
+        $transaction = $card->authorize(50)
+            ->withCurrency($this->currency)
+            ->execute();
+
+        $this->assertNotNull($transaction);
+        $this->assertEquals('SUCCESS', $transaction->responseCode);
+        $this->assertEquals(TransactionStatus::PREAUTHORIZED, $transaction->responseMessage);
+
+        $exceptionCaught = false;
+        try {
+            $transaction->additionalAuth()
+                ->withCurrency($this->currency)
+                ->execute();
+        } catch (GatewayException $e) {
+            $exceptionCaught = true;
+            $this->assertEquals('40005', $e->responseCode);
+            $this->assertContains('Status Code: MANDATORY_DATA_MISSING - Request expects the following fields [amount]', $e->getMessage());
+        } finally {
+            $this->assertTrue($exceptionCaught);
+        }
+    }
+
+    public function testIncrementalAuth_TransactionNotFound()
+    {
+        $transaction = new Transaction();
+        $transaction->transactionId = GenerationUtils::getGuid();
+
+        $exceptionCaught = false;
+        try {
+            $transaction->additionalAuth()
+                ->withCurrency($this->currency)
+                ->execute();
+        } catch (GatewayException $e) {
+            $exceptionCaught = true;
+            $this->assertEquals('40008', $e->responseCode);
+            $this->assertContains(sprintf('Status Code: RESOURCE_NOT_FOUND - Transaction %s not found at this location.', $transaction->transactionId), $e->getMessage());
+        } finally {
+            $this->assertTrue($exceptionCaught);
+        }
+    }
+
     private function initCreditCardData()
     {
         $card = new CreditCardData();
diff --git a/test/Integration/Gateways/GpApiConnector/GpApi3DSecureTest.php b/test/Integration/Gateways/GpApiConnector/GpApi3DSecureTest.php
index b2ff1046..7cd40a45 100644
--- a/test/Integration/Gateways/GpApiConnector/GpApi3DSecureTest.php
+++ b/test/Integration/Gateways/GpApiConnector/GpApi3DSecureTest.php
@@ -743,14 +743,18 @@ public function testFrictionlessFullCycle_v2_WithMobileSdk()
             ->withOrderTransactionType(OrderTransactionType::GOODS_SERVICE_PURCHASE)
             ->withMobileData($mobileData)
             ->execute();
+
         $this->assertNotNull($initAuth);
         $this->assertEquals(Secure3dStatus::SUCCESS_AUTHENTICATED, $initAuth->status);
         $this->assertNotNull($initAuth->issuerAcsUrl);
         $this->assertNotNull($initAuth->payerAuthenticationRequest);
         $this->assertNotNull($initAuth->acsTransactionId);
+        $this->assertNotNull($initAuth->providerServerTransRef);
+        $this->assertNotNull($initAuth->acsReferenceNumber);
         $this->assertEquals("05", $initAuth->eci);
         $this->assertEquals("2.2.0", $initAuth->messageVersion);
 
+
         $secureEcom = Secure3dService::getAuthenticationData()
             ->withServerTransactionId($secureEcom->serverTransactionId)
             ->execute();
diff --git a/test/Integration/Gateways/GpEcomConnector/OpenBankingTest.php b/test/Integration/Gateways/GpEcomConnector/OpenBankingTest.php
index f1d59c86..504f865b 100644
--- a/test/Integration/Gateways/GpEcomConnector/OpenBankingTest.php
+++ b/test/Integration/Gateways/GpEcomConnector/OpenBankingTest.php
@@ -59,6 +59,10 @@ public function testFasterPaymentsCharge()
         $this->assertNotNull($response);
         $this->assertEquals(1, $response->totalRecordCount);
         $this->assertEquals($trn->bankPaymentResponse->id, $response->result[0]->transactionId);
+        $this->assertNull($response->result[0]->bankPaymentResponse->iban);
+        $this->assertNull($response->result[0]->bankPaymentResponse->sortCode);
+        $this->assertNull($response->result[0]->bankPaymentResponse->accountNumber);
+        $this->assertNull($response->result[0]->bankPaymentResponse->accountName);
     }
 
     public function testSEPACharge()
@@ -73,6 +77,17 @@ public function testSEPACharge()
         $this->assertOpenBankingResponse($trn);
 
 //        fwrite(STDERR, print_r($trn->bankPaymentResponse->redirectUrl, TRUE));
+        sleep(2);
+        $response = ReportingService::bankPaymentDetail($trn->bankPaymentResponse->id)
+            ->execute();
+
+        $this->assertNotNull($response);
+        $this->assertEquals(1, $response->totalRecordCount);
+        $this->assertEquals($trn->bankPaymentResponse->id, $response->result[0]->transactionId);
+        $this->assertNull($response->result[0]->bankPaymentResponse->iban);
+        $this->assertNull($response->result[0]->bankPaymentResponse->sortCode);
+        $this->assertNull($response->result[0]->bankPaymentResponse->accountNumber);
+        $this->assertNull($response->result[0]->bankPaymentResponse->accountName);
     }
 
     public function testBankPaymentList()
@@ -417,6 +432,24 @@ public function testSEPACharge_InvalidCurrency()
         }
     }
 
+    public function testSEPACharge_CADCurrency()
+    {
+        $bankPayment = $this->sepaConfig();
+
+        $exceptionCaught = false;
+        try {
+            $bankPayment->charge($this->amount)
+                ->withCurrency("CAD")
+                ->withRemittanceReference(RemittanceReferenceType::TEXT, 'Nike Bounce Shoes')
+                ->execute();
+        } catch (GatewayException $e) {
+            $exceptionCaught = true;
+            $this->assertEquals('Status Code: 400 - payment.scheme cannot be null ', $e->getMessage());
+        } finally {
+            $this->assertTrue($exceptionCaught);
+        }
+    }
+
     private function fasterPaymentsConfig()
     {
         $bankPayment = new BankPayment();