<?xml version="1.0" encoding="utf-8"?><discovery xmlns="http://schemas.xmlsoap.org/disco/"><contractRef ref="https://uat.paymentexpress.com/PxF/pxf.svc?wsdl" docRef="https://uat.paymentexpress.com/PxF/pxf.svc" xmlns="http://schemas.xmlsoap.org/disco/scl/"/></discovery>