module ActiveMerchant #:nodoc: module Billing #:nodoc: class NmiGateway < Gateway include Empty DUP_WINDOW_DEPRECATION_MESSAGE = 'The class-level duplicate_window variable is deprecated. Please use the :dup_seconds transaction option instead.' self.test_url = self.live_url = 'https://secure.networkmerchants.com/api/transact.php' self.default_currency = 'USD' self.money_format = :dollars self.supported_countries = %w[US CA] self.supported_cardtypes = %i[visa master american_express discover] self.homepage_url = 'http://nmi.com/' self.display_name = 'NMI' def self.duplicate_window=(seconds) ActiveMerchant.deprecated(DUP_WINDOW_DEPRECATION_MESSAGE) @dup_seconds = seconds end def self.duplicate_window instance_variable_defined?(:@dup_seconds) ? @dup_seconds : nil end def initialize(options = {}) if options.has_key?(:security_key) requires!(options, :security_key) else requires!(options, :login, :password) end super end def purchase(amount, payment_method, options = {}) post = {} add_invoice(post, amount, options) add_payment_method(post, payment_method, options) add_stored_credential(post, options) add_customer_data(post, options) add_vendor_data(post, options) add_merchant_defined_fields(post, options) add_level3_fields(post, options) add_three_d_secure(post, options) commit('sale', post) end def authorize(amount, payment_method, options = {}) post = {} add_invoice(post, amount, options) add_payment_method(post, payment_method, options) add_stored_credential(post, options) add_customer_data(post, options) add_vendor_data(post, options) add_merchant_defined_fields(post, options) add_level3_fields(post, options) add_three_d_secure(post, options) commit('auth', post) end def capture(amount, authorization, options = {}) post = {} add_invoice(post, amount, options) add_reference(post, authorization) add_merchant_defined_fields(post, options) commit('capture', post) end def void(authorization, options = {}) post = {} add_reference(post, authorization) add_payment_type(post, authorization) commit('void', post) end def refund(amount, authorization, options = {}) post = {} add_invoice(post, amount, options) add_reference(post, authorization) add_payment_type(post, authorization) commit('refund', post) end def credit(amount, payment_method, options = {}) post = {} add_invoice(post, amount, options) add_payment_method(post, payment_method, options) add_customer_data(post, options) add_vendor_data(post, options) add_level3_fields(post, options) commit('credit', post) end def verify(payment_method, options = {}) post = {} add_payment_method(post, payment_method, options) add_customer_data(post, options) add_vendor_data(post, options) add_merchant_defined_fields(post, options) add_level3_fields(post, options) commit('validate', post) end def store(payment_method, options = {}) post = {} add_invoice(post, nil, options) add_payment_method(post, payment_method, options) add_customer_data(post, options) add_vendor_data(post, options) add_merchant_defined_fields(post, options) commit('add_customer', post) end def verify_credentials response = void('0') response.message != 'Authentication Failed' end def supports_scrubbing? true end def scrub(transcript) transcript. gsub(%r((password=)[^&\n]*), '\1[FILTERED]'). gsub(%r((security_key=)[^&\n]*), '\1[FILTERED]'). gsub(%r((ccnumber=)\d+), '\1[FILTERED]'). gsub(%r((cvv=)\d+), '\1[FILTERED]'). gsub(%r((checkaba=)\d+), '\1[FILTERED]'). gsub(%r((checkaccount=)\d+), '\1[FILTERED]'). gsub(%r((cavv=)[^&\n]*), '\1[FILTERED]'). gsub(%r((cryptogram=)[^&]+(&?)), '\1[FILTERED]\2') end def supports_network_tokenization? true end private def add_level3_fields(post, options) add_fields_to_post_if_present(post, options, %i[tax shipping ponumber]) end def add_invoice(post, money, options) post[:amount] = amount(money) post[:surcharge] = options[:surcharge] if options[:surcharge] post[:orderid] = options[:order_id] post[:orderdescription] = options[:description] post[:currency] = options[:currency] || currency(money) post[:billing_method] = 'recurring' if options[:recurring] if (dup_seconds = (options[:dup_seconds] || self.class.duplicate_window)) post[:dup_seconds] = dup_seconds end end def add_payment_method(post, payment_method, options) if payment_method.is_a?(String) customer_vault_id, = split_authorization(payment_method) post[:customer_vault_id] = customer_vault_id elsif payment_method.is_a?(NetworkTokenizationCreditCard) post[:ccnumber] = payment_method.number post[:ccexp] = exp_date(payment_method) add_network_token_fields(post, payment_method) elsif card_brand(payment_method) == 'check' post[:payment] = 'check' post[:firstname] = payment_method.first_name post[:lastname] = payment_method.last_name post[:checkname] = payment_method.name post[:checkaba] = payment_method.routing_number post[:checkaccount] = payment_method.account_number post[:account_holder_type] = payment_method.account_holder_type post[:account_type] = payment_method.account_type post[:sec_code] = options[:sec_code] || 'WEB' else post[:payment] = 'creditcard' post[:firstname] = payment_method.first_name post[:lastname] = payment_method.last_name post[:ccnumber] = payment_method.number post[:cvv] = payment_method.verification_value unless empty?(payment_method.verification_value) post[:ccexp] = exp_date(payment_method) end end def add_network_token_fields(post, payment_method) if payment_method.source == :apple_pay || payment_method.source == :google_pay post[:cavv] = payment_method.payment_cryptogram post[:eci] = payment_method.eci post[:decrypted_applepay_data] = 1 post[:decrypted_googlepay_data] = 1 else post[:token_cryptogram] = payment_method.payment_cryptogram end end def add_stored_credential(post, options) return unless (stored_credential = options[:stored_credential]) if stored_credential[:initiator] == 'cardholder' post[:initiated_by] = 'customer' else post[:initiated_by] = 'merchant' end # :reason_type, when provided, overrides anything previously set in # post[:billing_method] (see `add_invoice` and the :recurring) option case stored_credential[:reason_type] when 'recurring' post[:billing_method] = 'recurring' when 'installment' post[:billing_method] = 'installment' when 'unscheduled' post.delete(:billing_method) end if stored_credential[:initial_transaction] post[:stored_credential_indicator] = 'stored' else post[:stored_credential_indicator] = 'used' # should only send :initial_transaction_id if it is a MIT ntid = options[:network_transaction_id] || stored_credential[:network_transaction_id] post[:initial_transaction_id] = ntid if post[:initiated_by] == 'merchant' end end def add_customer_data(post, options) post[:email] = options[:email] post[:ipaddress] = options[:ip] post[:customer_id] = options[:customer_id] || options[:customer] if (billing_address = options[:billing_address] || options[:address]) post[:company] = billing_address[:company] post[:address1] = billing_address[:address1] post[:address2] = billing_address[:address2] post[:city] = billing_address[:city] post[:state] = billing_address[:state] post[:country] = billing_address[:country] post[:zip] = billing_address[:zip] post[:phone] = billing_address[:phone] end if (shipping_address = options[:shipping_address]) first_name, last_name = split_names(shipping_address[:name]) post[:shipping_firstname] = first_name if first_name post[:shipping_lastname] = last_name if last_name post[:shipping_company] = shipping_address[:company] post[:shipping_address1] = shipping_address[:address1] post[:shipping_address2] = shipping_address[:address2] post[:shipping_city] = shipping_address[:city] post[:shipping_state] = shipping_address[:state] post[:shipping_country] = shipping_address[:country] post[:shipping_zip] = shipping_address[:zip] post[:shipping_phone] = shipping_address[:phone] post[:shipping_email] = options[:shipping_email] if options[:shipping_email] end if (descriptor = options[:descriptors]) post[:descriptor] = descriptor[:descriptor] post[:descriptor_phone] = descriptor[:descriptor_phone] post[:descriptor_address] = descriptor[:descriptor_address] post[:descriptor_city] = descriptor[:descriptor_city] post[:descriptor_state] = descriptor[:descriptor_state] post[:descriptor_postal] = descriptor[:descriptor_postal] post[:descriptor_country] = descriptor[:descriptor_country] post[:descriptor_mcc] = descriptor[:descriptor_mcc] post[:descriptor_merchant_id] = descriptor[:descriptor_merchant_id] post[:descriptor_url] = descriptor[:descriptor_url] end end def add_vendor_data(post, options) post[:vendor_id] = options[:vendor_id] if options[:vendor_id] post[:processor_id] = options[:processor_id] if options[:processor_id] end def add_merchant_defined_fields(post, options) (1..20).each do |each| key = "merchant_defined_field_#{each}".to_sym post[key] = options[key] if options[key] end end def add_three_d_secure(post, options) three_d_secure = options[:three_d_secure] return unless three_d_secure post[:cardholder_auth] = cardholder_auth(three_d_secure[:authentication_response_status]) post[:cavv] = three_d_secure[:cavv] post[:xid] = three_d_secure[:xid] post[:three_ds_version] = three_d_secure[:version] post[:directory_server_id] = three_d_secure[:ds_transaction_id] end def cardholder_auth(trans_status) return nil if trans_status.nil? trans_status == 'Y' ? 'verified' : 'attempted' end def add_reference(post, authorization) transaction_id, = split_authorization(authorization) post[:transactionid] = transaction_id end def add_payment_type(post, authorization) _, payment_type = split_authorization(authorization) post[:payment] = payment_type if payment_type end def exp_date(payment_method) "#{format(payment_method.month, :two_digits)}#{format(payment_method.year, :two_digits)}" end def commit(action, params) params[action == 'add_customer' ? :customer_vault : :type] = action params[:username] = @options[:login] unless @options[:login].nil? params[:password] = @options[:password] unless @options[:password].nil? params[:security_key] = @options[:security_key] unless @options[:security_key].nil? raw_response = ssl_post(url, post_data(action, params), headers) response = parse(raw_response) succeeded = success_from(response) Response.new( succeeded, message_from(succeeded, response), response, authorization: authorization_from(response, params[:payment], action), avs_result: AVSResult.new(code: response[:avsresponse]), cvv_result: CVVResult.new(response[:cvvresponse]), test: test? ) end def authorization_from(response, payment_type, action) authorization = (action == 'add_customer' ? response[:customer_vault_id] : response[:transactionid]) [authorization, payment_type].join('#') end def split_authorization(authorization) authorization.split('#') end def headers { 'Content-Type' => 'application/x-www-form-urlencoded;charset=UTF-8' } end def post_data(action, params) params.map { |k, v| "#{k}=#{CGI.escape(v.to_s)}" }.join('&') end def url test? ? test_url : live_url end def parse(body) CGI::parse(body).map { |k, v| [k.intern, v.first] }.to_h end def success_from(response) response[:response] == '1' end def message_from(succeeded, response) if succeeded 'Succeeded' else response[:responsetext] end end end end end