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    public static PaymentParams CreateWithOptions(PaymentServiceID service,
                                                  int amount,
                                                  int tipAmount,
                                                  int cashbackAmount,
                                                  boolean bMoTo)
    {
        PaymentParams params = new PaymentParams();
       
        //Date //Time //Timezone
        Calendar cal = Calendar.getInstance();
        int utcOffsetMinutes = cal.getTimeZone().getOffset(cal.getTimeInMillis()) / 1000 / 60;
        byte[] utcOffset = new byte[2];
        utcOffset[0] = (byte) (utcOffsetMinutes / 60);
        utcOffset[1] = (byte) (utcOffsetMinutes % 60);

        params.paramTree.AddEMVDate(ArkosTags.TransactionDate, cal.get(Calendar.YEAR) % 100, cal.get(Calendar.MONTH) + 1, cal.get(Calendar.DAY_OF_MONTH));
        params.paramTree.AddEMVTime(ArkosTags.TransactionTime, cal.get(Calendar.HOUR), cal.get(Calendar.MINUTE), cal.get(Calendar.SECOND));
        params.paramTree.SetBin(ArkosTags.LocalTimezone, utcOffset);
        
        params.paramTree.SetAscii(ArkosTags.SelectedLanguage, LangHelper.getTerminalDefaultLanguage());


        //service
        params.paramTree.AddEnum(ArkosTags.SelectedService, service);

        // tip amount
        if (tipAmount != 0) {
            params.paramTree.AddBin(ArkosTags.SupplementaryAmount, IntToBCD(tipAmount));
        }

        // cashback amount
        if (cashbackAmount != 0) {
            params.paramTree.AddBin(ArkosTags.CashbackAmount, IntToBCD(cashbackAmount));
        }

        //Moto option
        if (bMoTo) {
            params.paramTree.AddBin(ArkosTags.MotoTransaction, new byte[]{0x01});
        }

        //total amount
        byte[] bcdAmount = IntToBCD(tipAmount + cashbackAmount + amount);
        if (bcdAmount == null) {
            return null;
        }
        params.paramTree.AddBin(TransactionAmount, bcdAmount);
        params.paramTree.AddBin(AmountAuthorised, bcdAmount);
        params.paramTree.AddBin(TransactionAmountBeforeAdjustment, bcdAmount);

        return params;
    }