require 'active_support/core_ext/hash/slice' module ActiveMerchant #:nodoc: module Billing #:nodoc: # This gateway uses the current Stripe {Payment Intents API}[https://stripe.com/docs/api/payment_intents]. # For the legacy API, see the Stripe gateway class StripePaymentIntentsGateway < StripeGateway ALLOWED_METHOD_STATES = %w[automatic manual].freeze ALLOWED_CANCELLATION_REASONS = %w[duplicate fraudulent requested_by_customer abandoned].freeze CREATE_INTENT_ATTRIBUTES = %i[description statement_descriptor_suffix statement_descriptor receipt_email save_payment_method] CONFIRM_INTENT_ATTRIBUTES = %i[receipt_email return_url save_payment_method setup_future_usage off_session] UPDATE_INTENT_ATTRIBUTES = %i[description statement_descriptor_suffix statement_descriptor receipt_email setup_future_usage] DEFAULT_API_VERSION = '2020-08-27' def create_intent(money, payment_method, options = {}) MultiResponse.run do |r| if payment_method.is_a?(NetworkTokenizationCreditCard) r.process { tokenize_apple_google(payment_method, options) } payment_method = (r.params['token']['id']) if r.success? end r.process do post = {} add_amount(post, money, options, true) add_capture_method(post, options) add_confirmation_method(post, options) add_customer(post, options) result = add_payment_method_token(post, payment_method, options) return result if result.is_a?(ActiveMerchant::Billing::Response) add_external_three_d_secure_auth_data(post, options) add_metadata(post, options) add_return_url(post, options) add_connected_account(post, options) add_radar_data(post, options) add_shipping_address(post, options) setup_future_usage(post, options) add_exemption(post, options) add_stored_credentials(post, options) add_ntid(post, options) add_claim_without_transaction_id(post, options) add_error_on_requires_action(post, options) add_fulfillment_date(post, options) request_three_d_secure(post, options) add_level_three(post, options) CREATE_INTENT_ATTRIBUTES.each do |attribute| add_whitelisted_attribute(post, options, attribute) end commit(:post, 'payment_intents', post, options) end end end def show_intent(intent_id, options) commit(:get, "payment_intents/#{intent_id}", nil, options) end def create_test_customer response = api_request(:post, 'customers') response['id'] end def confirm_intent(intent_id, payment_method, options = {}) post = {} result = add_payment_method_token(post, payment_method, options) return result if result.is_a?(ActiveMerchant::Billing::Response) add_payment_method_types(post, options) CONFIRM_INTENT_ATTRIBUTES.each do |attribute| add_whitelisted_attribute(post, options, attribute) end commit(:post, "payment_intents/#{intent_id}/confirm", post, options) end def create_payment_method(payment_method, options = {}) post_data = add_payment_method_data(payment_method, options) options = format_idempotency_key(options, 'pm') commit(:post, 'payment_methods', post_data, options) end def add_payment_method_data(payment_method, options = {}) post_data = {} post_data[:type] = 'card' post_data[:card] = {} post_data[:card][:number] = payment_method.number post_data[:card][:exp_month] = payment_method.month post_data[:card][:exp_year] = payment_method.year post_data[:card][:cvc] = payment_method.verification_value if payment_method.verification_value add_billing_address(post_data, options) add_name_only(post_data, payment_method) if post_data[:billing_details].nil? post_data end def add_payment_method_card_data_token(post_data, payment_method) post_data.merge!({ payment_method_types: ['card'], payment_method_data: { type: 'card', card: { token: payment_method } } }) end def update_intent(money, intent_id, payment_method, options = {}) post = {} add_amount(post, money, options) result = add_payment_method_token(post, payment_method, options) return result if result.is_a?(ActiveMerchant::Billing::Response) add_payment_method_types(post, options) add_customer(post, options) add_metadata(post, options) add_shipping_address(post, options) add_connected_account(post, options) add_fulfillment_date(post, options) UPDATE_INTENT_ATTRIBUTES.each do |attribute| add_whitelisted_attribute(post, options, attribute) end commit(:post, "payment_intents/#{intent_id}", post, options) end def create_setup_intent(payment_method, options = {}) MultiResponse.run do |r| r.process do post = {} add_customer(post, options) result = add_payment_method_token(post, payment_method, options, r) return result if result.is_a?(ActiveMerchant::Billing::Response) add_metadata(post, options) add_return_url(post, options) add_fulfillment_date(post, options) request_three_d_secure(post, options) post[:on_behalf_of] = options[:on_behalf_of] if options[:on_behalf_of] post[:usage] = options[:usage] if %w(on_session off_session).include?(options[:usage]) post[:description] = options[:description] if options[:description] commit(:post, 'setup_intents', post, options) end end end def retrieve_setup_intent(setup_intent_id, options = {}) # Retrieving a setup_intent passing 'expand[]=latest_attempt' allows the caller to # check for a network_transaction_id and ds_transaction_id # eg (latest_attempt -> payment_method_details -> card -> network_transaction_id) # # Being able to retrieve these fields enables payment flows that rely on MIT exemptions, e.g: off_session commit(:post, "setup_intents/#{setup_intent_id}", { 'expand[]': 'latest_attempt' }, options) end def authorize(money, payment_method, options = {}) create_intent(money, payment_method, options.merge!(confirm: true, capture_method: 'manual')) end def purchase(money, payment_method, options = {}) create_intent(money, payment_method, options.merge!(confirm: true, capture_method: 'automatic')) end def capture(money, intent_id, options = {}) post = {} currency = options[:currency] || currency(money) post[:amount_to_capture] = localized_amount(money, currency) if options[:transfer_amount] post[:transfer_data] = {} post[:transfer_data][:amount] = options[:transfer_amount] end post[:application_fee_amount] = options[:application_fee] if options[:application_fee] options = format_idempotency_key(options, 'capture') commit(:post, "payment_intents/#{intent_id}/capture", post, options) end def void(intent_id, options = {}) post = {} post[:cancellation_reason] = options[:cancellation_reason] if ALLOWED_CANCELLATION_REASONS.include?(options[:cancellation_reason]) commit(:post, "payment_intents/#{intent_id}/cancel", post, options) end def refund(money, intent_id, options = {}) if intent_id.include?('pi_') intent = api_request(:get, "payment_intents/#{intent_id}", nil, options) return Response.new(false, intent['error']['message'], intent) if intent['error'] charge_id = intent.try(:[], 'charges').try(:[], 'data').try(:[], 0).try(:[], 'id') if charge_id.nil? error_message = "No associated charge for #{intent['id']}" error_message << "; payment_intent has a status of #{intent['status']}" if intent.try(:[], 'status') && intent.try(:[], 'status') != 'succeeded' return Response.new(false, error_message, intent) end else charge_id = intent_id end super(money, charge_id, options) end # Note: Not all payment methods are currently supported by the {Payment Methods API}[https://stripe.com/docs/payments/payment-methods] # Current implementation will create a PaymentMethod object if the method is a token or credit card # All other types will default to legacy Stripe store def store(payment_method, options = {}) params = {} post = {} # If customer option is provided, create a payment method and attach to customer id # Otherwise, create a customer, then attach if payment_method.is_a?(StripePaymentToken) || payment_method.is_a?(ActiveMerchant::Billing::CreditCard) result = add_payment_method_token(params, payment_method, options) return result if result.is_a?(ActiveMerchant::Billing::Response) if options[:customer] customer_id = options[:customer] else post[:description] = options[:description] if options[:description] post[:email] = options[:email] if options[:email] options = format_idempotency_key(options, 'customer') post[:expand] = [:sources] customer = commit(:post, 'customers', post, options) customer_id = customer.params['id'] end options = format_idempotency_key(options, 'attach') attach_parameters = { customer: customer_id } attach_parameters[:validate] = options[:validate] unless options[:validate].nil? commit(:post, "payment_methods/#{params[:payment_method]}/attach", attach_parameters, options) else super(payment_method, options) end end def unstore(identification, options = {}, deprecated_options = {}) if identification.include?('pm_') _, payment_method = identification.split('|') commit(:post, "payment_methods/#{payment_method}/detach", nil, options) else super(identification, options, deprecated_options) end end def verify(payment_method, options = {}) create_setup_intent(payment_method, options.merge!({ confirm: true, verify: true })) end def setup_purchase(money, options = {}) requires!(options, :payment_method_types) post = {} add_currency(post, options, money) add_amount(post, money, options) add_payment_method_types(post, options) add_metadata(post, options) commit(:post, 'payment_intents', post, options) end private def off_session_request?(options = {}) (options[:off_session] || options[:setup_future_usage]) && options[:confirm] == true end def add_connected_account(post, options = {}) super(post, options) post[:application_fee_amount] = options[:application_fee] if options[:application_fee] end def add_whitelisted_attribute(post, options, attribute) post[attribute] = options[attribute] if options[attribute] end def add_capture_method(post, options) capture_method = options[:capture_method].to_s post[:capture_method] = capture_method if ALLOWED_METHOD_STATES.include?(capture_method) end def add_confirmation_method(post, options) confirmation_method = options[:confirmation_method].to_s post[:confirmation_method] = confirmation_method if ALLOWED_METHOD_STATES.include?(confirmation_method) end def add_customer(post, options) customer = options[:customer].to_s post[:customer] = customer if customer.start_with?('cus_') end def add_fulfillment_date(post, options) post[:fulfillment_date] = options[:fulfillment_date].to_i if options[:fulfillment_date] end def add_metadata(post, options = {}) super post[:metadata][:event_type] = options[:event_type] if options[:event_type] end def add_level_three(post, options = {}) level_three = {} level_three[:merchant_reference] = options[:merchant_reference] if options[:merchant_reference] level_three[:customer_reference] = options[:customer_reference] if options[:customer_reference] level_three[:shipping_address_zip] = options[:shipping_address_zip] if options[:shipping_address_zip] level_three[:shipping_from_zip] = options[:shipping_from_zip] if options[:shipping_from_zip] level_three[:shipping_amount] = options[:shipping_amount] if options[:shipping_amount] level_three[:line_items] = options[:line_items] if options[:line_items] post[:level3] = level_three unless level_three.empty? end def add_return_url(post, options) return unless options[:confirm] post[:confirm] = options[:confirm] post[:return_url] = options[:return_url] if options[:return_url] end def add_payment_method_token(post, payment_method, options, responses = []) case payment_method when StripePaymentToken post[:payment_method_data] = { type: 'card', card: { token: payment_method.payment_data['id'] || payment_method.payment_data } } post[:payment_method] = payment_method.payment_data['id'] || payment_method.payment_data when String extract_token_from_string_and_maybe_add_customer_id(post, payment_method) when ActiveMerchant::Billing::CreditCard return create_payment_method_and_extract_token(post, payment_method, options, responses) if options[:verify] get_payment_method_data_from_card(post, payment_method, options, responses) end end def extract_token_from_string_and_maybe_add_customer_id(post, payment_method) if payment_method.include?('|') customer_id, payment_method = payment_method.split('|') post[:customer] = customer_id end if payment_method.include?('tok_') add_payment_method_card_data_token(post, payment_method) else post[:payment_method] = payment_method end end def tokenize_apple_google(payment, options = {}) tokenization_method = payment.source == :google_pay ? :android_pay : payment.source post = { card: { number: payment.number, exp_month: payment.month, exp_year: payment.year, tokenization_method: tokenization_method, eci: payment.eci, cryptogram: payment.payment_cryptogram } } add_billing_address_for_card_tokenization(post, options) if %i(apple_pay android_pay).include?(tokenization_method) token_response = api_request(:post, 'tokens', post, options) success = token_response['error'].nil? if success && token_response['id'] Response.new(success, nil, token: token_response) elsif token_response['error']['message'] Response.new(false, "The tokenization process fails. #{token_response['error']['message']}") else Response.new(false, "The tokenization process fails. #{token_response}") end end def get_payment_method_data_from_card(post, payment_method, options, responses) return create_payment_method_and_extract_token(post, payment_method, options, responses) unless off_session_request?(options) post[:payment_method_data] = add_payment_method_data(payment_method, options) end def create_payment_method_and_extract_token(post, payment_method, options, responses) payment_method_response = create_payment_method(payment_method, options) return payment_method_response if payment_method_response.failure? responses << payment_method_response add_payment_method_token(post, payment_method_response.params['id'], options) end def add_payment_method_types(post, options) payment_method_types = options[:payment_method_types] if options[:payment_method_types] return if payment_method_types.nil? post[:payment_method_types] = Array(payment_method_types) end def add_exemption(post, options = {}) return unless options[:confirm] post[:payment_method_options] ||= {} post[:payment_method_options][:card] ||= {} post[:payment_method_options][:card][:moto] = true if options[:moto] end # Stripe Payment Intents does not pass any parameters for cardholder/merchant initiated # it also does not support installments for any country other than Mexico (reason for this is unknown) # The only thing that Stripe PI requires for stored credentials to work currently is the network_transaction_id # network_transaction_id is created when the card is authenticated using the field `setup_for_future_usage` with the value `off_session` see def setup_future_usage below def add_stored_credentials(post, options = {}) return unless options[:stored_credential] && !options[:stored_credential].values.all?(&:nil?) stored_credential = options[:stored_credential] post[:payment_method_options] ||= {} post[:payment_method_options][:card] ||= {} post[:payment_method_options][:card][:mit_exemption] = {} # Stripe PI accepts network_transaction_id and ds_transaction_id via mit field under card. # The network_transaction_id can be sent in nested under stored credentials OR as its own field (add_ntid handles when it is sent in on its own) # If it is sent is as its own field AND under stored credentials, the value sent under its own field is what will send. post[:payment_method_options][:card][:mit_exemption][:ds_transaction_id] = stored_credential[:ds_transaction_id] if stored_credential[:ds_transaction_id] post[:payment_method_options][:card][:mit_exemption][:network_transaction_id] = stored_credential[:network_transaction_id] if stored_credential[:network_transaction_id] end def add_ntid(post, options = {}) return unless options[:network_transaction_id] post[:payment_method_options] ||= {} post[:payment_method_options][:card] ||= {} post[:payment_method_options][:card][:mit_exemption] = {} post[:payment_method_options][:card][:mit_exemption][:network_transaction_id] = options[:network_transaction_id] if options[:network_transaction_id] end def add_claim_without_transaction_id(post, options = {}) return if options[:stored_credential] || options[:network_transaction_id] || options[:ds_transaction_id] return unless options[:claim_without_transaction_id] post[:payment_method_options] ||= {} post[:payment_method_options][:card] ||= {} post[:payment_method_options][:card][:mit_exemption] = {} # Stripe PI accepts claim_without_transaction_id for transactions without transaction ids. # Gateway validation for this field occurs through a different service, before the transaction request is sent to the gateway. post[:payment_method_options][:card][:mit_exemption][:claim_without_transaction_id] = options[:claim_without_transaction_id] end def add_error_on_requires_action(post, options = {}) return unless options[:confirm] post[:error_on_requires_action] = true if options[:error_on_requires_action] end def request_three_d_secure(post, options = {}) return unless options[:request_three_d_secure] && %w(any automatic).include?(options[:request_three_d_secure]) post[:payment_method_options] ||= {} post[:payment_method_options][:card] ||= {} post[:payment_method_options][:card][:request_three_d_secure] = options[:request_three_d_secure] end def add_external_three_d_secure_auth_data(post, options = {}) return unless options[:three_d_secure]&.is_a?(Hash) three_d_secure = options[:three_d_secure] post[:payment_method_options] ||= {} post[:payment_method_options][:card] ||= {} post[:payment_method_options][:card][:three_d_secure] ||= {} post[:payment_method_options][:card][:three_d_secure][:version] = three_d_secure[:version] || (three_d_secure[:ds_transaction_id] ? '2.2.0' : '1.0.2') post[:payment_method_options][:card][:three_d_secure][:electronic_commerce_indicator] = three_d_secure[:eci] if three_d_secure[:eci] post[:payment_method_options][:card][:three_d_secure][:cryptogram] = three_d_secure[:cavv] if three_d_secure[:cavv] post[:payment_method_options][:card][:three_d_secure][:transaction_id] = three_d_secure[:ds_transaction_id] || three_d_secure[:xid] end def setup_future_usage(post, options = {}) post[:setup_future_usage] = options[:setup_future_usage] if %w(on_session off_session).include?(options[:setup_future_usage]) post[:off_session] = options[:off_session] if off_session_request?(options) post end def add_billing_address_for_card_tokenization(post, options = {}) return unless (billing = options[:billing_address] || options[:address]) post[:card][:address_city] = billing[:city] if billing[:city] post[:card][:address_country] = billing[:country] if billing[:country] post[:card][:address_line1] = billing[:address1] if billing[:address1] post[:card][:address_line2] = billing[:address2] if billing[:address2] post[:card][:address_zip] = billing[:zip] if billing[:zip] post[:card][:address_state] = billing[:state] if billing[:state] end def add_billing_address(post, options = {}) return unless billing = options[:billing_address] || options[:address] email = billing[:email] || options[:email] post[:billing_details] = {} post[:billing_details][:address] = {} post[:billing_details][:address][:city] = billing[:city] if billing[:city] post[:billing_details][:address][:country] = billing[:country] if billing[:country] post[:billing_details][:address][:line1] = billing[:address1] if billing[:address1] post[:billing_details][:address][:line2] = billing[:address2] if billing[:address2] post[:billing_details][:address][:postal_code] = billing[:zip] if billing[:zip] post[:billing_details][:address][:state] = billing[:state] if billing[:state] post[:billing_details][:email] = email if email post[:billing_details][:name] = billing[:name] if billing[:name] post[:billing_details][:phone] = billing[:phone] if billing[:phone] end def add_name_only(post, payment_method) post[:billing_details] = {} unless post[:billing_details] name = [payment_method.first_name, payment_method.last_name].compact.join(' ') post[:billing_details][:name] = name end def add_shipping_address(post, options = {}) return unless shipping = options[:shipping_address] post[:shipping] = {} # fields required by Stripe PI post[:shipping][:address] = {} post[:shipping][:address][:line1] = shipping[:address1] post[:shipping][:name] = shipping[:name] # fields considered optional by Stripe PI post[:shipping][:address][:city] = shipping[:city] if shipping[:city] post[:shipping][:address][:country] = shipping[:country] if shipping[:country] post[:shipping][:address][:line2] = shipping[:address2] if shipping[:address2] post[:shipping][:address][:postal_code] = shipping[:zip] if shipping[:zip] post[:shipping][:address][:state] = shipping[:state] if shipping[:state] post[:shipping][:phone] = shipping[:phone_number] if shipping[:phone_number] post[:shipping][:carrier] = (shipping[:carrier] || options[:shipping_carrier]) if shipping[:carrier] || options[:shipping_carrier] post[:shipping][:tracking_number] = (shipping[:tracking_number] || options[:shipping_tracking_number]) if shipping[:tracking_number] || options[:shipping_tracking_number] end def format_idempotency_key(options, suffix) return options unless options[:idempotency_key] options.merge(idempotency_key: "#{options[:idempotency_key]}-#{suffix}") end def success_from(response, options) if response['status'] == 'requires_action' && !options[:execute_threed] response['error'] = {} response['error']['message'] = 'Received unexpected 3DS authentication response, but a 3DS initiation flag was not included in the request.' return false end super(response, options) end def add_currency(post, options, money) post[:currency] = options[:currency] || currency(money) end end end end