What is required to trigger a payment

I've created a new form using transact functions in Maestro 22.10 and using JM 21.11.1 based off the maguire template with a payment total and a payment type selector as well the organisation has a payment gateway configured but a payment is not getting triggered.

What could be missing that is required to trigger a payment?

<AvokaSmartForm>
<SFMData>
<PaymentDetails>
<Payment>
<Total>50</Total>
</Payment>
<PaymentType>Credit/Debit Card</PaymentType>
</PaymentDetails>

This page highlights some xml elements that appear to be related but the text is impossible to read in the xml screenshot:

https://journey.temenos.com/docs/Maestro/Components/PaymentTypeSelector.htm

and from what I can tell my xml matches all that is required.

Matt