Elavon payment processor seems to no longer accept url encoded emails
https://github.com/civicrm/civicrm-core/pull/14263
Client reported running some updates and no longer being able to process any payments using the Elavon processor.
Error response reported with every transaction: 4005 E-mail Address Invalid The E-mail Address supplied in the authorization request appears to be invalid.
Confirmed the email sent over in XML for the auth request has been urlencoded:
Presumably, Elavon used to accept this and doesn't anymore. I'm not familiar with this payment processor at all but I see in github that nothing has changed on our side in years.
A change to no longer send the email field through the xml function that urlencodes everything allows transactions to be processed correctly again. The email field gets validated at the form level so the value should be consistent.