require 'rexml/document' module ActiveMerchant #:nodoc: module Billing #:nodoc: # In NZ DPS supports ANZ, Westpac, National Bank, ASB and BNZ. # In Australia DPS supports ANZ, NAB, Westpac, CBA, St George and Bank of South Australia. # The Maybank in Malaysia is supported and the Citibank for Singapore. class PaymentExpressGateway < Gateway self.default_currency = 'NZD' # PS supports all major credit cards; Visa, Mastercard, Amex, Diners, BankCard & JCB. # Various white label cards can be accepted as well; Farmers, AirNZCard and Elders etc. # Please note that not all acquirers and Eftpos networks can support some of these card types. # VISA, Mastercard, Diners Club and Farmers cards are supported # # However, regular accounts with DPS only support VISA and Mastercard self.supported_cardtypes = [ :visa, :master, :american_express, :diners_club, :jcb ] self.supported_countries = [ 'AU', 'MY', 'NZ', 'SG', 'ZA', 'GB', 'US' ] self.homepage_url = 'http://www.paymentexpress.com/' self.display_name = 'PaymentExpress' URL = 'https://www.paymentexpress.com/pxpost.aspx' APPROVED = '1' TRANSACTIONS = { :purchase => 'Purchase', :credit => 'Refund', :authorization => 'Auth', :capture => 'Complete', :validate => 'Validate' } # We require the DPS gateway username and password when the object is created. def initialize(options = {}) # A DPS username and password must exist requires!(options, :login, :password) # Make the options an instance variable @options = options super end # Funds are transferred immediately. def purchase(money, payment_source, options = {}) credit_card = payment_source if payment_source.respond_to?(:number) if credit_card options[:credit_card] = credit_card else options[:token] = payment_source end request = build_purchase_or_authorization_request(money, options) commit(:purchase, request) end # NOTE: Perhaps in options we allow a transaction note to be inserted # Verifies that funds are available for the requested card and amount and reserves the specified amount. # See: http://www.paymentexpress.com/technical_resources/ecommerce_nonhosted/pxpost.html#Authcomplete def authorize(money, credit_card, options = {}) options[:credit_card] = credit_card request = build_purchase_or_authorization_request(money, options) commit(:authorization, request) end # Transfer pre-authorized funds immediately # See: http://www.paymentexpress.com/technical_resources/ecommerce_nonhosted/pxpost.html#Authcomplete def capture(money, identification, options = {}) request = build_capture_or_credit_request(money, identification, options) commit(:capture, request) end # Refund funds to the card holder def credit(money, identification, options = {}) requires!(options, :description) request = build_capture_or_credit_request(money, identification, options) commit(:credit, request) end # token based billing # initiates a "Validate" transcation to store card data on payment express servers # returns a "token" that can be used to rebill this card # see: http://www.paymentexpress.com/technical_resources/ecommerce_nonhosted/pxpost.html#Tokenbilling # PaymentExpress does not support unstoring a stored card. def store(credit_card, options = {}) request = build_token_request(credit_card, options) commit(:validate, request) end private def build_purchase_or_authorization_request(money, options) result = new_transaction returning result do |r| add_credit_card(r, options[:credit_card]) if options[:credit_card] add_billing_token(r, options[:token]) if options[:token] add_amount(r, money, options) add_invoice(r, options) add_address_verification_data(r, options) end end def build_capture_or_credit_request(money, identification, options) result = new_transaction add_amount(result, money, options) add_invoice(result, options) add_reference(result, identification) result end def build_token_request(credit_card, options) result = new_transaction returning result do |r| add_credit_card(r, credit_card) add_amount(r, 100, options) #need to make an auth request for $1 add_token_request(r, options) end end def add_credentials(xml) xml.add_element("PostUsername").text = @options[:login] xml.add_element("PostPassword").text = @options[:password] end def add_reference(xml, identification) xml.add_element("DpsTxnRef").text = identification end def add_credit_card(xml, credit_card) xml.add_element("CardHolderName").text = credit_card.name xml.add_element("CardNumber").text = credit_card.number xml.add_element("DateExpiry").text = format_date(credit_card.month, credit_card.year) if credit_card.verification_value? xml.add_element("Cvc2").text = credit_card.verification_value end if requires_start_date_or_issue_number?(credit_card) xml.add_element("DateStart").text = format_date(credit_card.start_month, credit_card.start_year) unless credit_card.start_month.blank? || credit_card.start_year.blank? xml.add_element("IssueNumber").text = credit_card.issue_number unless credit_card.issue_number.blank? end end def add_billing_token(xml, token) xml.add_element("DpsBillingId").text = token end def add_token_request(xml, options) xml.add_element("BillingId").text = options[:billing_id] if options[:billing_id] xml.add_element("EnableAddBillCard").text = 1 end def add_amount(xml, money, options) xml.add_element("Amount").text = amount(money) xml.add_element("InputCurrency").text = options[:currency] || currency(money) end def add_transaction_type(xml, action) xml.add_element("TxnType").text = TRANSACTIONS[action] end def add_invoice(xml, options) xml.add_element("TxnId").text = options[:order_id].to_s.slice(0, 16) unless options[:order_id].blank? xml.add_element("MerchantReference").text = options[:description] unless options[:description].blank? end def add_address_verification_data(xml, options) address = options[:billing_address] || options[:address] return if address.nil? xml.add_element("EnableAvsData").text = 0 xml.add_element("AvsAction").text = 0 xml.add_element("AvsStreetAddress").text = address[:address1] xml.add_element("AvsPostCode").text = address[:zip] end def new_transaction REXML::Document.new.add_element("Txn") end # Take in the request and post it to DPS def commit(action, request) add_credentials(request) add_transaction_type(request, action) # Parse the XML response response = parse( ssl_post(URL, request.to_s) ) # Return a response PaymentExpressResponse.new(response[:success] == APPROVED, response[:response_text], response, :test => response[:test_mode] == '1', :authorization => response[:dps_txn_ref] ) end # Response XML documentation: http://www.paymentexpress.com/technical_resources/ecommerce_nonhosted/pxpost.html#XMLTxnOutput def parse(xml_string) response = {} xml = REXML::Document.new(xml_string) # Gather all root elements such as HelpText xml.elements.each('Txn/*') do |element| response[element.name.underscore.to_sym] = element.text unless element.name == 'Transaction' end # Gather all transaction elements and prefix with "account_" # So we could access the MerchantResponseText by going # response[account_merchant_response_text] xml.elements.each('Txn/Transaction/*') do |element| response[element.name.underscore.to_sym] = element.text end response end def format_date(month, year) "#{format(month, :two_digits)}#{format(year, :two_digits)}" end end class PaymentExpressResponse < Response # add a method to response so we can easily get the token # for Validate transactions def token @params["billing_id"] || @params["dps_billing_id"] end end end end