diff --git a/upload/system/library/PagSeguro/src/Domains/Error.php b/upload/system/library/PagSeguro/src/Domains/Error.php
new file mode 100644
index 0000000..55c10be
--- /dev/null
+++ b/upload/system/library/PagSeguro/src/Domains/Error.php
@@ -0,0 +1,31 @@
+<?php
+
+namespace ValdeirPsr\PagSeguro\Domains;
+
+class Error
+{
+    private $code;
+    private $msg;
+
+    public function __construct(string $msg, int $code = 0)
+    {
+        $this->code = $code;
+        $this->msg = $msg;
+    }
+
+    /**
+     * @return int
+     */
+    public function getCode(): int
+    {
+        return $this->code;
+    }
+
+    /**
+     * @return string
+     */
+    public function getMessage(): int
+    {
+        return $this->msg;
+    }
+}
diff --git a/upload/system/library/PagSeguro/src/Domains/Payment.php b/upload/system/library/PagSeguro/src/Domains/Payment.php
index 710f168..bc7d8cc 100644
--- a/upload/system/library/PagSeguro/src/Domains/Payment.php
+++ b/upload/system/library/PagSeguro/src/Domains/Payment.php
@@ -345,6 +345,12 @@ public static function fromXml(string $value)
             $instance->shipping = Shipping::fromXml($dom->saveXML($shipping->item(0)));
         }
 
+        $creditCard = $xpath->query('/payment/creditCard');
+
+        if ($creditCard->count() > 0) {
+            $instance->creditCard = creditCard::fromXml($dom->saveXML($shipping->item(0)));
+        }
+
         return $instance;
     }
 
@@ -392,12 +398,16 @@ public function toXml()
         if ($this->shipping) {
             $arr['shipping'] = $this->shipping->toArray(true);
         }
+
+        if ($this->payment instanceof CreditCard) {
+            $arr['creditCard'] = $this->payment->toArray(true);
+        }
         
         $parser = new XmlParser();
         $result = $parser->parser([
             'payment' => $arr
         ]);
 
-        return $result->saveXML();
+        return $result->saveXML(null);
     }
 }
diff --git a/upload/system/library/PagSeguro/src/Domains/PaymentMethod/CreditCard.php b/upload/system/library/PagSeguro/src/Domains/PaymentMethod/CreditCard.php
index 646fadc..9af5d69 100644
--- a/upload/system/library/PagSeguro/src/Domains/PaymentMethod/CreditCard.php
+++ b/upload/system/library/PagSeguro/src/Domains/PaymentMethod/CreditCard.php
@@ -5,11 +5,12 @@
 use DOMDocument;
 use DOMXPath;
 use ValdeirPsr\PagSeguro\Interfaces\Serializer\Xml;
+use ValdeirPsr\PagSeguro\Interfaces\Serializer\IArray;
 use ValdeirPsr\PagSeguro\Parser\Xml as XmlParser;
 use ValdeirPsr\PagSeguro\Domains\User\Holder;
 use ValdeirPsr\PagSeguro\Domains\Address;
 
-class CreditCard extends AbstractPaymentMethod implements Xml
+class CreditCard extends AbstractPaymentMethod implements IArray, Xml
 {
     /** @var string */
     private $token;
@@ -200,18 +201,26 @@ public function toXml(): string
     {
         $parser = new XmlParser();
         $result = $parser->parser([
-            'creditCard' => [
-                'token' => $this->token,
-                'installment' => [
-                    'quantity' => $this->installmentQuantity,
-                    'value' => $this->installmentValue,
-                    'noInterestInstallmentQuantity' => $this->noInterestInstallmentQuantity
-                ],
-                'holder' => $this->holder->toArray(),
-                'billingAddress' => $this->billingAddress->toArray()
-            ]
+            'creditCard' => $this->toArray()
         ]);
 
         return $result->saveXML();
     }
+
+    /**
+     * {@inheritDoc}
+     */
+    public function toArray(): array
+    {
+        return array_filter([
+            'token' => $this->token,
+            'installment' => array_filter([
+                'quantity' => $this->installmentQuantity,
+                'value' => $this->installmentValue,
+                'noInterestInstallmentQuantity' => $this->noInterestInstallmentQuantity
+            ]),
+            'holder' => $this->holder->toArray(),
+            'billingAddress' => $this->billingAddress->toArray()
+        ]);
+    }
 }
diff --git a/upload/system/library/PagSeguro/src/Exception/PagSeguroRequest.php b/upload/system/library/PagSeguro/src/Exception/PagSeguroRequest.php
new file mode 100644
index 0000000..94668fe
--- /dev/null
+++ b/upload/system/library/PagSeguro/src/Exception/PagSeguroRequest.php
@@ -0,0 +1,122 @@
+<?php
+
+namespace ValdeirPsr\PagSeguro\Exception;
+
+use DOMDocument;
+use DOMXPath;
+use Throwable;
+use ValdeirPsr\PagSeguro\Domains\Error;
+use Curl\Curl;
+
+class PagSeguroRequest extends \Exception
+{
+    private $request;
+    private $requestBody;
+    private $errors = [];
+
+    public function __construct(Curl $curl, $requestBody, string $message = null, int $code = 0, Throwable $previous = null)
+    {
+        parent::__construct($message, $code, $previous);
+
+        $this->request = $curl;
+        $this->requestBody = $requestBody;
+
+        $this->checkErrors();
+    }
+
+    /**
+     * @return Curl
+     */
+    public function getRequest(): Curl
+    {
+        return $request;
+    }
+
+    /**
+     * @return mixed Retorna a resposta do servidor
+     */
+    public function getResponse()
+    {
+        return $this->request->getResponse();
+    }
+
+    /**
+     * @return int Retorna o Status Code da resposta
+     */
+    public function getHttpStatus(): int
+    {
+        return $this->request->getHttpstatus();
+    }
+
+    /**
+     * Define o corpo da mensagem enviada
+     * 
+     * @param mixed $value
+     * 
+     * @return self
+     */
+    public function setRequestBody($value)
+    {
+        $this->requestBody = $value;
+
+        return $this;
+    }
+
+    /**
+     * @return mixed
+     */
+    public function getRequestBody()
+    {
+        return $this->requestBody;
+    }
+
+    /**
+     * @return Error[]
+     */
+    public function getErrors(): array
+    {
+        return $this->errors;
+    }
+
+    /**
+     * Verifica os erros recebidos pela API
+     * 
+     * @return void
+     */
+    private function checkErrors()
+    {
+        $response = $this->getResponse();
+
+        if ($response) {
+            $responseDom = new DOMDocument();
+            $status = $responseDom->loadXML($response, LIBXML_NOERROR);
+
+            if ($status) {
+                $errors = $responseDom->getElementsByTagName('error');
+
+                foreach ($errors as $error) {
+                    $code = $error->getElementsByTagName('code');
+                    $msg = $error->getElementsByTagName('message');
+
+                    if ($code->count() > 0) {
+                        $code = intval($code->item(0)->textContent);
+                    } else {
+                        $code = 0;
+                    }
+
+                    if ($msg->count() > 0) {
+                        $msg = trim($msg->item(0)->textContent);
+                    } else {
+                        $msg = $response;
+                    }
+
+                    $this->errors[] = new Error($msg, $code);
+                }
+            } else {
+                $this->errors[] = new Error($response);
+            }
+        } else {
+            $this->errors[] = new Error('PagSeguroRequest :: Response empty');
+        }
+    }
+}
diff --git a/upload/system/library/PagSeguro/src/Request/Sale.php b/upload/system/library/PagSeguro/src/Request/Sale.php
index 713ce2f..7dc5b99 100644
--- a/upload/system/library/PagSeguro/src/Request/Sale.php
+++ b/upload/system/library/PagSeguro/src/Request/Sale.php
@@ -6,6 +6,7 @@
 use ValdeirPsr\PagSeguro\Domains\Payment;
 use ValdeirPsr\PagSeguro\Domains\Transaction;
 use ValdeirPsr\PagSeguro\Exception\Auth as AuthException;
+use ValdeirPsr\PagSeguro\Exception\PagSeguroRequest as PagSeguroRequestException;
 
 class Sale
 {
@@ -18,20 +19,7 @@ public function __construct(Environment $env)
 
     public function create(Payment $payment)
     {
-        $url = $this->buildUrl();
-
-        $request = Factory::request($this->env);
-        $request->setHeader('Content-Type', 'application/xml; charset=ISO-8859-1');
-        $request->post($url, $payment->toXml());
-        $request->close();
-
-        if ($request->isSuccess()) {
-            return Transaction::fromXml($request->getResponse());
-        } elseif ($request->getHttpStatus() === 401) {
-            throw new AuthException('Check your credentials', 1000);
-        } else {
-            throw new PagSeguroRequestException($request);
-        }
+        return Transaction::fromXml($this->request($payment));
     }
 
     /**
@@ -44,4 +32,26 @@ protected function buildUrl(): string
             'token' => $this->env->getToken()
         ]);
     }
+
+    /**
+     * {@inheritDoc}
+     */
+    protected function request(Payment $payment)
+    {
+        $url = $this->buildUrl();
+        $data = $payment->toXml();
+
+        $request = Factory::request($this->env);
+        $request->setHeader('Content-Type', 'application/xml; charset=ISO-8859-1');
+        $request->post($url, $data);
+        $request->close();
+
+        if ($request->isSuccess()) {
+            return $request->getResponse();
+        } elseif ($request->getHttpStatus() === 401) {
+            throw new AuthException('Check your credentials', 1000);
+        } else {
+            throw new PagSeguroRequestException($request, $data);
+        }
+    }
 }
diff --git a/upload/system/library/PagSeguro/tests/data/sale/invalid-creditcard.xml b/upload/system/library/PagSeguro/tests/data/sale/invalid-creditcard.xml
new file mode 100644
index 0000000..d075990
--- /dev/null
+++ b/upload/system/library/PagSeguro/tests/data/sale/invalid-creditcard.xml
@@ -0,0 +1,71 @@
+<?xml version="1.0" encoding="utf-8"?>
+<payment>
+    <mode>default</mode>
+    <method>creditcard</method>
+    <sender>
+        <name>Florbela Espanca</name>
+        <email>fulano.silva.sandbox.pagseguro.com.br</email>
+        <phone>
+            <areaCode>11</areaCode>
+            <number>30380000</number>
+        </phone>
+        <documents>
+            <document>
+                <type>CPF</type>
+                <value>72962940005</value>
+            </document>
+        </documents>
+    </sender>
+    <currency>BRL</currency>
+    <notificationURL>https://sualoja.com.br/notificacao</notificationURL>
+    <items>
+        <item>
+            <id>1</id>
+            <description>Antologia poetica de Florbela Espanca</description>
+            <amount>2780</amount>
+            <quantity>1</quantity>
+        </item>
+        <item>
+            <id>2</id>
+            <description>Poesia de Florbela Espanca</description>
+            <amount>15.600</amount>
+            <quantity>1</quantity>
+        </item>
+    </items>
+    <reference>R123456</reference>
+    <shipping>
+        <type>30</type>
+        <cost>0.00</cost>
+        <addressRequired>true</addressRequired>
+    </shipping>
+    <creditCard>
+        <token>e79fc9be6fd14b3c8b6164f21ba3c464</token>
+        <installment>
+            <quantity>3</quantity>
+            <value>14.46</value>
+        </installment>
+        <holder>
+            <name>Nome impresso no cartao</name>
+            <birthDate>20/10/2021</birthDate>
+            <documents>
+                <document>
+                    <type>CPF</type>
+                    <value>25136624078</value>
+                </document>
+            </documents>
+            <phone>
+                <areaCode>11</areaCode>
+                <number>999991111</number>
+            </phone>
+        </holder>
+        <billingAddress>
+            <street>Av. Brigadeiro Faria Lima</street>
+            <complement>1 andar</complement>
+            <district>Jardim Paulistano</district>
+            <city>Sao Paulo</city>
+            <state>SP</state>
+            <country>BRA</country>
+            <postalCode>01452002</postalCode>
+        </billingAddress>
+    </creditCard>
+</payment>
diff --git a/upload/system/library/PagSeguro/tests/unit/Request/SaleTest.php b/upload/system/library/PagSeguro/tests/unit/Request/SaleTest.php
index 6cfbd98..2044c0b 100644
--- a/upload/system/library/PagSeguro/tests/unit/Request/SaleTest.php
+++ b/upload/system/library/PagSeguro/tests/unit/Request/SaleTest.php
@@ -4,9 +4,15 @@
 use ValdeirPsr\PagSeguro\Constants\PaymentMethod\Methods as PaymentMethods;
 use ValdeirPsr\PagSeguro\Domains\Environment;
 use ValdeirPsr\PagSeguro\Domains\Payment;
+use ValdeirPsr\PagSeguro\Domains\Error;
+use \ValdeirPsr\PagSeguro\Domains\Document;
+use \ValdeirPsr\PagSeguro\Domains\Address;
+use ValdeirPsr\PagSeguro\Domains\PaymentMethod\CreditCard;
+use ValdeirPsr\PagSeguro\Domains\User\Holder;
 use ValdeirPsr\PagSeguro\Request\Factory;
 use ValdeirPsr\PagSeguro\Request\Sale;
 use ValdeirPsr\PagSeguro\Exception\Auth as AuthException;
+use ValdeirPsr\PagSeguro\Exception\PagSeguroRequest as PagSeguroRequestException;
 
 class SaleTest extends TestCase
 {
@@ -87,9 +93,7 @@ public function createSaleWithCreditCardAndValidArguments()
     {
         $env = Environment::sandbox('pagseguro@valdeir.dev', '1234567890');
 
-        $xml = file_get_contents('tests/data/sale/valid-creditcard.xml');
-
-        $payment = Payment::fromXml($xml);
+        $payment = new Payment();
 
         $stub = $this->getMockBuilder(Sale::class)
             ->setConstructorArgs([$env])
@@ -113,4 +117,101 @@ public function createSaleWithCreditCardAndValidArguments()
         $this->assertEquals('1056784170', $newPayment->getGatewaySystem()->getEstablishmentCode());
         $this->assertEquals('CIELO', $newPayment->getGatewaySystem()->getAcquirerName());
     }
+
+    /**
+     * @test
+     */
+    public function createSaleWithCreditCardAndInvalidArgumentsShouldGiveError()
+    {
+        try {
+            $env = Environment::sandbox('pagseguro@valdeir.dev', '1234567890');
+
+            $payment = Payment::fromXml(file_get_contents('tests/data/sale/invalid-creditcard.xml'));
+
+            $creditCard = new CreditCard();
+            $creditCard->setToken('e79fc9be6fd14b3c8b6164f21ba3c464');
+            $creditCard->setInstallmentQuantity(3);
+            $creditCard->setInstallmentValue(14.46);
+
+            $holder = new Holder();
+            $holder->setName('Nome impresso no cartao');
+            $holder->setBirthDate(DateTime::createFromFormat('d/m/Y', '20/10/2021'));
+            $holder->setDocument(Document::cpf('25136624078'));
+            $holder->setPhone('11', '999991111');
+            $creditCard->setHolder($holder);
+
+            $address = new Address();
+            $address->setStreet('Av. Brigadeiro Faria Lima');
+            $address->setComplement('1 andar');
+            $address->setDistrict('Jardim Paulistano');
+            $address->setCity('Sao Paulo');
+            $address->setState('SP');
+            $address->setPostalCode('01452002');
+            $creditCard->setBillingAddress($address);
+
+            $payment->setPayment($creditCard);
+
+            $stub = $this->getMockBuilder(Sale::class)
+                ->setConstructorArgs([$env])
+                ->setMethods(['buildUrl'])
+                ->getMock();
+
+            $stub->expects($this->any())
+                ->method('buildUrl')
+                ->willReturn('https://f3528d51-6219-4b80-8bd3-3ab112b8094f.mock.pstmn.io/v2/transactions/creditcard-invalid');
+
+            $newPayment = $stub->create($payment);
+        } catch (PagSeguroRequestException $request) {
+            $errors = $request->getErrors();
+
+            $this->assertNotEmpty($errors);
+            $this->assertContainsOnlyInstancesOf(Error::class, $errors);
+            $this->assertXmlStringEqualsXmlFile('tests/data/sale/invalid-creditcard.xml', $request->getRequestBody());
+        }
+    }
+
+    /**
+     * @test
+     */
+    public function createSaleWithCreditCardAndValidArgumentsAndInvalidCredentialsShouldGiveError()
+    {
+        $this->expectException(AuthException::class);
+        $env = Environment::sandbox('pagseguro@valdeir.dev', '1234567890');
+
+        $payment = Payment::fromXml(file_get_contents('tests/data/sale/valid-creditcard.xml'));
+
+        $creditCard = new CreditCard();
+        $creditCard->setToken('e79fc9be6fd14b3c8b6164f21ba3c464');
+        $creditCard->setInstallmentQuantity(3);
+        $creditCard->setInstallmentValue(14.46);
+
+        $holder = new Holder();
+        $holder->setName('Nome impresso no cartao');
+        $holder->setBirthDate(DateTime::createFromFormat('d/m/Y', '20/10/2021'));
+        $holder->setDocument(Document::cpf('25136624078'));
+        $holder->setPhone('11', '999991111');
+        $creditCard->setHolder($holder);
+
+        $address = new Address();
+        $address->setStreet('Av. Brigadeiro Faria Lima');
+        $address->setComplement('1 andar');
+        $address->setDistrict('Jardim Paulistano');
+        $address->setCity('Sao Paulo');
+        $address->setState('SP');
+        $address->setPostalCode('01452002');
+        $creditCard->setBillingAddress($address);
+
+        $payment->setPayment($creditCard);
+
+        $stub = $this->getMockBuilder(Sale::class)
+            ->setConstructorArgs([$env])
+            ->setMethods(['buildUrl'])
+            ->getMock();
+
+        $stub->expects($this->any())
+            ->method('buildUrl')
+            ->willReturn('https://f3528d51-6219-4b80-8bd3-3ab112b8094f.mock.pstmn.io/v2/transactions/creditcard-valid-invalid-session');
+
+        $newPayment = $stub->create($payment);
+    }
 }