An additional bit of information from /tmp/ofx.log: 
AQB5:
Sending:
-------------------------------------
OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:20200318081757.000

<OFX>...

git:
Sending:
-------------------------------------
<?xml version="1.0" encoding="utf-8" standalone="no"?>
<?OFX OFXHEADER="200" VERSION="220" SECURITY="NONE" OLDFILEUID="NONE"?>
<OFX>...

> On Mar 17, 2020, at 10:40 AM, John Ralls <jra...@ceridwen.us> wrote:
> 
> 
> 
>> On Mar 17, 2020, at 9:45 AM, John Ralls <jra...@ceridwen.us> wrote:
>> 
>> 
>> 
>>> On Mar 15, 2020, at 1:21 PM, John Ralls <jra...@ceridwen.us> wrote:
>>> 
>>>> 
>>>> On Mar 15, 2020, at 12:47 PM, Martin Preuss <mar...@aqbanking.de> wrote:
>>>> 
>>>> Hi,
>>>> 
>>>> Am 15.03.20 um 20:17 schrieb John Ralls:
>>>>> I just made a MacOS build with the latest AQBanking so I could test it 
>>>>> with my bank (USAA). No go, and a bit of troubleshooting reveals that 
>>>>> it's because AQBanking now uses the XML-based OFX V2. AFAIK that's not 
>>>>> supported by any US bank.
>>>> [...]
>>>> 
>>>> OFX2 is the only version I could get access to a test server for, so
>>>> thats what I implemented so far.
>>>> 
>>>> However, since the OFX spec state that banks should also accept XML like
>>>> OFX requests (i.e. OFX files with closing XML elements) the code might
>>>> be adjustable for this...
>>>> 
>>>> I will try to add a mode in which the plugin sends the headers
>>>> previously used for OFX1 and still send requests with closing XML
>>>> elements, at least according to the specs I read that should work...
>>>> 
>>>> Anyway, as I wrote before I can't test it myself. There is only person -
>>>> so far - I heard of from the US who tested the latest code with a real
>>>> server and I really appreciate his help, but he seems to be using the
>>>> prebuilt Windows version which makes the debug process... well... 
>>>> difficult.
>>>> 
>>>> It would be extremely helpfull to have someone who could compile and
>>>> test a version from GIT, but given the different timezones the possible
>>>> OFX users and I live in that might be time consuming for both sides...
>>> 
>>> Martin,
>>> 
>>> As I said here and in my bug report, AQB 5's OFX backend works well and has 
>>> done for many years. If you just update it for the new AQB6 and Gwen5 API 
>>> it has a good chance of working.
>>> 
>>> I can build from git and test. So far there's no need for debugging, simply 
>>> comparing the OFX from 5.8 and 6.1 showed me the problem: OFX DirectConnect 
>>> servers using V1 can't parse the XML you send in the request and 400, see 
>>> the transcripts in the bug report.
>>> 
>>> The current OFX spec doesn't matter if the bank is using software written 
>>> for OFX V1 as nearly all in the US do.
>> 
>> Martin,
>> 
>> Frank noticed yesterday that you'd pushed a large OFX V1 change to AQBanking 
>> master, so I pulled it and tested it. Unfortunately its a total fail because 
>> the V1 code formats the OFX in XML.
>> 
>> V1 servers cannot parse XML and return a 400 error.
> 
> Martin,
> 
> Sorry, that's not quite right. It's not XML, but it does still 400. The 
> headers match those sent by AQB5, but the AQB5 request block is
> 
> <OFX><SIGNONMSGSRQV1><SONRQ><DTCLIENT>20200315112517<USERID>XXXXXXXXXX
> <USERPASS>XXXXXXXXX
> <LANGUAGE>ENG<FI><ORG>USAA<FID>24591</FI><APPID>QWIN<APPVER>2300</SONRQ></SIGNONMSGSRQV1><CREDITCARDMSGSRQV1><CCSTMTTRNRQ><TRNUID>20200315112517<CLTCOOKIE>1<CCSTMTRQ><CCACCTFROM><ACCTID>XXXXXXXXXXXXXXXX</CCACCTFROM><INCTRAN><DTSTART>20200314000000<DTEND>20200315112517<INCLUDE>Y</INCTRAN></CCSTMTRQ></CCSTMTTRNRQ></CREDITCARDMSGSRQV1></OFX>
> 
> unrolled and indented:
> <OFX>
>  <SIGNONMSGSRQV1>
>    <SONRQ>
>      <DTCLIENT>20200315112517
>      <USERID>XXXXXXXXXX
>      <USERPASS>XXXXXXXXX
>      <LANGUAGE>ENG
>      <FI>
>        <ORG>USAA
>        <FID>24591
>      </FI>
>      <APPID>QWIN
>      <APPVER>2300
>    </SONRQ>
>  </SIGNONMSGSRQV1>
>  <CREDITCARDMSGSRQV1>
>    <CCSTMTTRNRQ>
>      <TRNUID>20200315112517
>      <CLTCOOKIE>1
>      <CCSTMTRQ>
>        <CCACCTFROM>
>          <ACCTID>XXXXXXXXXXXXXXXX
>        </CCACCTFROM>
>        <INCTRAN>
>          <DTSTART>20200314000000
>          <DTEND>20200315112517
>          <INCLUDE>Y
>        </INCTRAN>
>      </CCSTMTRQ>
>    </CCSTMTTRNRQ>
>  </CREDITCARDMSGSRQV1>
> </OFX>
> 
> 
> and git V1 sends
> <OFX>
> <SIGNONMSGSRQV1>
> <SONRQ>
> <DTCLIENT>20200317095100</DTCLIENT>
> <USERID>XXXXXXXX</USERID>
> <USERPASS>XXXXXXXX</USERPASS>
> <LANG>ENG</LANG>
> <FI>
> <ORG>USAA</ORG>
> <FID>24591</FID>
> </FI>
> <APPID>QWIN</APPID>
> <APPVER>2300</APPVER>
> </SONRQ>
> </SIGNONMSGSRQV1>
> <CREDITCARDMSGSRQV1>
> <CCSTMTTRNRQ>
> <TRNUID>20200317095103</TRNUID>
> <CCSTMTRQ>
> <CCACCTFROM>
> <BANKID>24591</BANKID>
> <ACCTID>XXXXXXXXXXXX</ACCTID>
> </CCACCTFROM>
> <INCTRAN>
> <DTSTART>20200314000000</DTSTART>
> <DTEND>20200317000000</DTEND>
> <INCLUDE>Y</INCLUDE>
> </INCTRAN>
> </CCSTMTRQ>
> </CCSTMTTRNRQ>
> </CREDITCARDMSGSRQV1>
> </OFX>
> 
> Aside from the extra whitespace, which shouldn't matter, the git code has 
> closing tags on every element while the AQB5 code has closing tags only on 
> grouping elements.
> 
> USERID is specified in the OFX 1.6 DTD as
> <!ELEMENT USERID    - o %IDTYPE>
> and according to 
> https://en.wikipedia.org/wiki/Standard_Generalized_Markup_Language#OMITTAG 
> the "- o" in the middle means that it should have an opening tag and no 
> closing tag.
> 
> Regards,
> John Ralls
> 
> 
> 
> 
> 
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