/**
  * @return SimpleXMLElement
  */
 public function getData()
 {
     $data = parent::getData();
     $this->validate('returnUrl');
     /** @var SimpleXMLElement $merchant */
     $merchant = $data->request->merchant;
     $merchant->addChild('termurl', $this->getReturnUrl());
     /** @var SimpleXMLElement $customer */
     $customer = $data->request->customer ?: $data->request->addChild('customer');
     $customer->addChild('accept', $this->getAccept());
     $customer->addChild('useragent', $this->getUserAgent());
     return $data;
 }