Problem inserting invoice

Trying to insert an invoice into Zoho CRM but always getting a response of:

<response uri="/crm/private/xml/Invoices/insertRecords"><error><code>4500</code><message>Problem occured while processing the request</message></error></response>

which is not that helpful. I would gratly appreciate guidance as to where this message format is wrong.

Also, finding it confusing about when field names have spaces in them or not eg. "Product Details"

url:

https://crm.zoho.com/crm/private/xml/Invoices/insertRecords

parameters:

authtoken=mytoken&scope=crmapi&newFormat=1&xmlData=

<FL val="Account Name">Acuere</FL>

<FL val="Product Name">BizLinker - AO to MYOB</FL>

<FL val="Total">100</FL

><FL val="Discount">0</FL>

</product>

</ProductDetails>

</row>

</Invoices>

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