private static string CreateBasketString(string merchantReference, decimal amount)
{
var desc = String.Format("Transaction ref {0}", merchantReference).ToASCIIString();
var token = String.Format("{0}:{1}:{2}:{3}:{4}:{5}", desc, "", "", "", "", amount.ToString("0.00"));
var tokens = new List<string> {"1", token};
return String.Join(":", tokens.ToArray());
}