activemerchant-nsp 1.27.0

data/lib/active_merchant/billing/gateways/usa_epay.rb

@@ -0,0 +1,25 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    ##
+    # Delegates to the appropriate gateway, either the Transaction or Advanced
+    # depending on options passed to new.
+    #
+    class UsaEpayGateway < Gateway
+
+      self.abstract_class = true
+
+      ##
+      # Creates an instance of UsaEpayTransactionGateway by default, but if 
+      # :software id or :live_url are passed in the options hash it will
+      # create an instance of UsaEpayAdvancedGateway.
+      #
+      def self.new(options={})
+        unless options.has_key?(:software_id) || options.has_key?(:live_url)
+          UsaEpayTransactionGateway.new(options)
+        else
+          UsaEpayAdvancedGateway.new(options)
+        end
+      end
+    end
+  end
+end

data/lib/active_merchant/billing/gateways/usa_epay_advanced.rb

@@ -0,0 +1,1497 @@
+require 'securerandom'
+require 'digest'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # ==== USA ePay Advanced SOAP Interface
+    #
+    # This class encapuslates USA ePay's Advanced SOAP Interface. The Advanced Soap Interface allows 
+    # standard transactions, storing customer information, and recurring billing. Storing sensitive
+    # information on USA ePay's servers can help with PCI DSS compliance, since customer and card data
+    # do not need to be stored locally.
+    #
+    # Make sure you have enabled this functionality for your account with USA ePay.
+    #
+    # Information about the Advanced SOAP interface is available on the {USA ePay wiki}[http://wiki.usaepay.com/developer/soap].
+    #
+    # ==== Login, Password, and Software ID
+    #
+    # Please follow all of USA ePay's directions for acquiring all accounts and settings.
+    #
+    # The value used for <tt>:login</tt> is the Key value found in the Merchant Console under Settings > Source
+    # Key. You will have to add this key in the USA ePay Merchant Console.
+    #
+    # The value used for <tt>:password</tt> is the pin value also found and assigned in the Merchant Console under
+    # Settings > Source Key. The pin is required to use all but basic transactions in the SOAP interface.
+    # You will have to add the pin to your source key, as it defaults to none.
+    #
+    # The value used for the <tt>:software_id</tt> is found in the Developer's Login under the Developers Center
+    # in your WSDL. It is the 8 character value in <soap:address> tag. A masked example:
+    # <soap:address location="https://www.usaepay.com/soap/gate/XXXXXXXX"/>
+    # It is also found in the link to your WSDL. This is required as every account has a different path
+    # SOAP requests are submitted to. Optionally, you can provide the entire urls via <tt>:live_url</tt> and <tt>:test_url</tt>, if your prefer.
+    #
+    # ==== Responses
+    # * <tt>#success?</tt> -- +true+ if transmitted and returned correctly
+    # * <tt>#message</tt> --  response or fault message
+    # * <tt>#authorization</tt> --  reference_number or nil
+    # * <tt>#params</tt> --  hash of entire soap response contents
+    #
+    # ==== Address Options
+    # * <tt>:billing_address/:shipping_address</tt> -- contains some extra options
+    #   * <tt>:name</tt> -- virtual attribute; will split to first and last name
+    #   * <tt>:first_name</tt>
+    #   * <tt>:last_name</tt>
+    #   * <tt>:address1 </tt>
+    #   * <tt>:address2 </tt>
+    #   * <tt>:city </tt>
+    #   * <tt>:state </tt>
+    #   * <tt>:zip </tt>
+    #   * <tt>:country </tt>
+    #   * <tt>:phone</tt>
+    #   * <tt>:email</tt>
+    #   * <tt>:fax</tt>
+    #   * <tt>:company</tt>
+    #
+    # ==== Support:
+    # * Questions: post to {active_merchant google group}[http://groups.google.com/group/activemerchant]
+    # * Feedback/fixes: matt (at) nearapogee (dot) com
+    #
+    # ==== Links:
+    # * {USA ePay Merchant Console}[https://sandbox.usaepay.com/login]
+    # * {USA ePay Developer Login}[https://www.usaepay.com/developer/login]
+    #
+    class UsaEpayAdvancedGateway < Gateway
+      API_VERSION = "1.4"
+      
+      TEST_URL_BASE = 'https://sandbox.usaepay.com/soap/gate/' #:nodoc:
+      LIVE_URL_BASE = 'https://www.usaepay.com/soap/gate/' #:nodoc:
+
+      self.test_url = TEST_URL_BASE
+      self.live_url = LIVE_URL_BASE
+
+      FAILURE_MESSAGE = "Default Failure" #:nodoc:
+      
+      self.supported_countries = ['US']
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover, :diners_club, :jcb]
+      self.homepage_url = 'http://www.usaepay.com/'
+      self.display_name = 'USA ePay Advanced SOAP Interface'
+
+      CUSTOMER_OPTIONS = {
+        :id => [:string, 'CustomerID'], # merchant assigned number
+        :notes => [:string, 'Notes'],
+        :data => [:string, 'CustomData'],
+        :url => [:string, 'URL'],
+        # Recurring Billing
+        :enabled => [:boolean, 'Enabled'],
+        :schedule => [:string, 'Schedule'],
+        :number_left => [:integer, 'NumLeft'],
+        :currency => [:string, 'Currency'],
+        :description => [:string, 'Description'],
+        :order_id => [:string, 'OrderID'],
+        :user => [:string, 'User'],
+        :source => [:string, 'Source'],
+        :send_receipt => [:boolean, 'SendReceipt'],
+        :receipt_note => [:string, 'ReceiptNote'],
+        # Point of Sale
+        :price_tier => [:string, 'PriceTier'],
+        :tax_class => [:string, 'TaxClass'],
+        :lookup_code => [:string, 'LookupCode']
+      } #:nodoc:
+
+      ADDRESS_OPTIONS = {
+        :first_name => [:string, 'FirstName'],
+        :last_name => [:string, 'LastName'],
+        :address1 => [:string, 'Street'],
+        :address2 => [:string, 'Street2'],
+        :city => [:string, 'City'],
+        :state => [:string, 'State'],
+        :zip => [:string, 'Zip'],
+        :country => [:string, 'Country'],
+        :phone => [:string, 'Phone'],
+        :email => [:string, 'Email'],
+        :fax => [:string, 'Fax'],
+        :company => [:string, 'Company']
+      } #:nodoc:
+
+      CUSTOMER_TRANSACTION_REQUEST_OPTIONS = {
+        :command => [:string, 'Command'],
+        :ignore_duplicate => [:boolean, 'IgnoreDuplicate'],
+        :client_ip => [:string, 'ClientIP'],
+        :customer_receipt => [:boolean, 'CustReceipt'],
+        :customer_email => [:boolean, 'CustReceiptEmail'],
+        :customer_template => [:boolean, 'CustReceiptName'],
+        :merchant_receipt => [:boolean, 'MerchReceipt'],
+        :merchant_email => [:boolean, 'MerchReceiptEmail'],
+        :merchant_template => [:boolean, 'MerchReceiptName'],
+        :verification_value => [:boolean, 'isRecurring'],
+        :software => [:string, 'Software']
+      } #:nodoc:
+
+      TRANSACTION_REQUEST_OBJECT_OPTIONS = {
+        :command => [:string, 'Command'],
+        :ignore_duplicate => [:boolean, 'IgnoreDuplicate'],
+        :authorization_code => [:string, 'AuthCode'],
+        :reference_number => [:string, 'RefNum'],
+        :account_holder => [:string, 'AccountHolder'],
+        :client_ip => [:string, 'ClientIP'],
+        :customer_id => [:string, 'CustomerID'],
+        :customer_receipt => [:boolean, 'CustReceipt'],
+        :customer_template => [:boolean, 'CustReceiptName'],
+        :software => [:string, 'Software']
+      } #:nodoc:
+
+      TRANSACTION_DETAIL_OPTIONS = {
+        :invoice  => [:string, 'Invoice'],
+        :po_number => [:string, 'PONum'],
+        :order_id => [:string, 'OrderID'],
+        :clerk => [:string, 'Clerk'],
+        :terminal  => [:string, 'Terminal'],
+        :table => [:string, 'Table'],
+        :description => [:string, 'Description'],
+        :comments => [:string, 'Comments'],
+        :allow_partial_auth => [:boolean, 'AllowPartialAuth'],
+        :currency => [:string, 'Currency'],
+        :non_tax => [:boolean, 'NonTax'],
+      } #:nodoc:
+      
+      TRANSACTION_DETAIL_MONEY_OPTIONS = {
+        :amount => [:double, 'Amount'],
+        :tax => [:double, 'Tax'],
+        :tip => [:double, 'Tip'],
+        :non_tax => [:boolean, 'NonTax'],
+        :shipping => [:double, 'Shipping'],
+        :discount => [:double, 'Discount'],
+        :subtotal => [:double, 'Subtotal']
+      } #:nodoc:
+
+      CREDIT_CARD_DATA_OPTIONS = {
+        :magnetic_stripe => [:string, 'MagStripe'],
+        :dukpt => [:string, 'DUKPT'],
+        :signature => [:string, 'Signature'],
+        :terminal_type => [:string, 'TermType'],
+        :magnetic_support => [:string, 'MagSupport'],
+        :xid => [:string, 'XID'],
+        :cavv => [:string, 'CAVV'],
+        :eci => [:integer, 'ECI'],
+        :internal_card_authorization => [:boolean, 'InternalCardAduth'],
+        :pares => [:string, 'Pares']
+      } #:nodoc:
+
+      CHECK_DATA_OPTIONS = {
+        :check_number => [:integer, 'CheckNumber'],
+        :drivers_license => [:string, 'DriversLicense'],
+        :drivers_license_state => [:string, 'DriversLicenseState'],
+        :record_type => [:string, 'RecordType'],
+        :aux_on_us => [:string, 'AuxOnUS'],
+        :epc_code => [:string, 'EpcCode'],
+        :front_image => [:string, 'FrontImage'],
+        :back_image => [:string, 'BackImage']
+      } #:nodoc:
+
+      RECURRING_BILLING_OPTIONS = {
+        :schedule => [:string, 'Schedule'],
+        :number_left => [:integer, 'NumLeft'],
+        :enabled => [:boolean, 'Enabled']
+      } #:nodoc:
+
+      AVS_RESULTS = {
+        'Y' => %w( YYY Y YYA YYD ),
+        'Z' => %w( NYZ Z ),
+        'A' => %w( YNA A YNY ),
+        'N' => %w( NNN N NN ),
+        'X' => %w( YYX X ),
+        'W' => %w( NYW W ),
+        'XXW' => %w( XXW ),
+        'XXU' => %w( XXU ),
+        'R' => %w( XXR R U E ),
+        'S' => %w( XXS S ),
+        'XXE' => %w( XXE ),
+        'G' => %w( XXG G C I ),
+        'B' => %w( YYG B M ),
+        'D' => %w( GGG D ),
+        'P' => %w( YGG P )
+      }.inject({}) do |map, (type, codes)|
+        codes.each { |code| map[code] = type }
+        map
+      end #:nodoc:
+
+      AVS_CUSTOM_MESSAGES = {
+        'XXW' => 'Card number not on file.',
+        'XXU' => 'Address information not verified for domestic transaction.',
+        'XXE' => 'Address verification not allowed for card type.'
+      } #:nodoc:
+
+      # Create a new gateway.
+      #
+      # ==== Required
+      # * At least the live_url OR the software_id must be present.
+      #   * <tt>:software_id</tt> -- 8 character software id
+      #   OR
+      #   * <tt>:test_url</tt> -- full url for testing
+      #   * <tt>:live_url</tt> -- full url for live/production
+      #
+      # ==== Optional
+      # * <tt>:soap_response</tt> -- set to +true+ to add :soap_response to the params hash containing the entire soap xml message
+      #
+      def initialize(options = {})
+        requires! options, :login, :password
+        @options = options
+
+        if @options[:software_id]
+          self.live_url = "#{LIVE_URL_BASE}#{@options[:software_id].to_s}"
+          self.test_url = "#{TEST_URL_BASE}#{@options[:software_id].to_s}"
+        else
+          self.live_url = @options[:live_url].to_s
+          self.test_url = @options[:test_url].to_s if @options[:test_url]
+        end
+
+        super
+      end
+
+      # Standard Gateway Methods ======================================
+
+      # Make a purchase with a credit card. (Authorize and 
+      # capture for settlement.)
+      #
+      # Note: See run_transaction for additional options.
+      #
+      def purchase(money, creditcard, options={})
+        run_sale(options.merge!(:amount => money, :payment_method => creditcard))
+      end
+
+      # Authorize an amount on a credit card or account.
+      #
+      # Note: See run_transaction for additional options.
+      #
+      def authorize(money, creditcard, options={})
+        run_auth_only(options.merge!(:amount => money, :payment_method => creditcard))
+      end
+
+      # Capture an authorized transaction.
+      #
+      # Note: See run_transaction for additional options.
+      #
+      def capture(money, identification, options={})
+        capture_transaction(options.merge!(:amount => money, :reference_number => identification))
+      end
+
+      # Void a previous transaction that has not been settled.
+      #
+      # Note: See run_transaction for additional options.
+      #
+      def void(identification, options={})
+        void_transaction(options.merge!(:reference_number => identification))
+      end
+
+      # Credit a previous transaction.
+      #
+      # Note: See run_transaction for additional options.
+      #
+      def credit(money, identification, options={})
+        refund_transaction(options.merge!(:amount => money, :reference_number => identification))
+      end
+
+      # Customer ======================================================
+
+      # Add a customer.
+      #
+      # ==== Options
+      # * <tt>:id</tt> -- merchant assigned id
+      # * <tt>:notes</tt> -- notes about customer
+      # * <tt>:data</tt> -- base64 data about customer
+      # * <tt>:url</tt> -- customer website
+      # * <tt>:billing_address</tt> -- usual options
+      # * <tt>:payment_methods</tt> -- array of payment method hashes. 
+      #   * <tt>:method</tt> -- credit_card or check
+      #   * <tt>:name</tt> -- optional name/label for the method
+      #   * <tt>:sort</tt> -- optional integer value specifying the backup sort order, 0 is default
+      #
+      # ==== Recurring Options
+      # * <tt>:enabled</tt> -- +true+ enables recurring
+      # * <tt>:schedule</tt> -- daily, weekly, bi-weekly (every two weeks), monthly, bi-monthly (every two months), quarterly, bi-annually (every six months), annually, first of month, last day of month
+      # * <tt>:number_left</tt> -- number of payments left; -1 for unlimited
+      # * <tt>:next</tt> -- date of next payment (Date/Time)
+      # * <tt>:amount</tt> -- amount of recurring payment
+      # * <tt>:tax</tt> -- tax portion of amount
+      # * <tt>:currency</tt> -- numeric currency code
+      # * <tt>:description</tt> -- description of transaction
+      # * <tt>:order_id</tt> -- transaction order id
+      # * <tt>:user</tt> -- merchant username assigned to transaction
+      # * <tt>:source</tt> -- name of source key assigned to billing
+      # * <tt>:send_receipt</tt> -- +true+ to send client a receipt
+      # * <tt>:receipt_note</tt> -- leave a note on the receipt
+      #
+      # ==== Point of Sale Options
+      # * <tt>:price_tier</tt> -- name of customer price tier
+      # * <tt>:tax_class</tt> -- tax class
+      # * <tt>:lookup_code</tt> -- lookup code from customer/member id card; barcode or magnetic stripe; can be assigned by merchant; defaults to system assigned if blank
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- customer number assigned by gateway
+      #
+      def add_customer(options={})
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Update a customer by replacing all of the customer details..
+      #
+      # Use quickUpdateCustomer to just update a few attributes.
+      #
+      # ==== Options
+      #  * Same as add_customer
+      #
+      def update_customer(options={})
+        requires! options, :customer_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Enable a customer for recurring billing.
+      #
+      # Note: Customer does not need to have all recurring paramerters to succeed.
+      #
+      # ==== Required
+      # * <tt>:customer_number</tt>
+      #
+      def enable_customer(options={})
+        requires! options, :customer_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Disable a customer for recurring billing.
+      #
+      # ==== Required
+      # * <tt>:customer_number</tt>
+      #
+      def disable_customer(options={})
+        requires! options, :customer_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Add a payment method to a customer.
+      #
+      # ==== Required
+      # * <tt>:customer_number</tt> -- number returned by add_customer response.message
+      # * <tt>:payment_method</tt>
+      #   * <tt>:method</tt> -- credit_card or check
+      #   * <tt>:name</tt> -- optional name/label for the method
+      #   * <tt>:sort</tt> -- an integer value specifying the backup sort order, 0 is default
+      #
+      # ==== Optional
+      # * <tt>:make_default</tt> -- set +true+ to make default
+      # * <tt>:verify</tt> -- set +true+ to run auth_only verification; throws fault if cannot verify
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- method_id of new customer payment method
+      #
+      def add_customer_payment_method(options={})
+        requires! options, :customer_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Retrive all of the payment methods belonging to a customer
+      #
+      # ==== Required
+      # * <tt>:customer_number</tt>
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- either a single hash or an array of hashes of payment methods
+      #
+      def get_customer_payment_methods(options={})
+        requires! options, :customer_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Retrive one of the payment methods belonging to a customer
+      #
+      # ==== Required
+      # * <tt>:customer_number</tt>
+      # * <tt>:method_id</tt>
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- hash of payment method
+      #
+      def get_customer_payment_method(options={})
+        requires! options, :customer_number, :method_id
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Update a customer payment method.
+      #
+      # ==== Required
+      # * <tt>:method_id</tt> -- method_id to update
+      #
+      # ==== Options
+      # * <tt>:method</tt> -- credit_card or check
+      # * <tt>:name</tt> -- optional name/label for the method
+      # * <tt>:sort</tt> -- an integer value specifying the backup sort order, 0 is default
+      # * <tt>:verify</tt> -- set +true+ to run auth_only verification; throws fault if cannot verify
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- hash of payment method
+      #
+      def update_customer_payment_method(options={})
+        requires! options, :method_id
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Delete one the payment methods beloning to a customer
+      #
+      # ==== Required
+      # * <tt>:customer_number</tt>
+      # * <tt>:method_id</tt>
+      #
+      def delete_customer_payment_method(options={})
+        requires! options, :customer_number, :method_id
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Delete a customer.
+      #
+      # ==== Required
+      # * <tt>:customer_number</tt>
+      #
+      def delete_customer(options={})
+        requires! options, :customer_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Run a transaction for an existing customer in the database.
+      #
+      # ==== Required Options
+      # * <tt>:customer_number</tt> -- gateway assigned identifier
+      # * <tt>:command</tt> -- Sale, AuthOnly, Credit, Check, CheckCredit
+      # * <tt>:amount</tt> -- total amount
+      #
+      # ==== Options
+      # * <tt>:method_id</tt> -- which payment method to use, 0/nil/omitted for default method
+      # * <tt>:ignore_duplicate</tt> -- +true+ overrides duplicate transaction
+      # * <tt>:client_ip</tt> -- client ip address
+      # * <tt>:customer_receipt</tt> -- +true+, sends receipt to customer. active_merchant defaults to +false+
+      # * <tt>:customer_email</tt> -- specify if different than customer record
+      # * <tt>:customer_template</tt> -- name of template
+      # * <tt>:merchant_receipt</tt> -- +true+, sends receipt to merchant. active_merchant defaults to +false+
+      # * <tt>:merchant_email</tt> -- required if :merchant_receipt set to +true+
+      # * <tt>:merchant_template</tt> -- name of template
+      # * <tt>:recurring</tt> -- defaults to +false+ *see documentation*
+      # * <tt>:verification_value</tt> -- pci forbids storage of this value, only required for CVV2 validation
+      # * <tt>:software</tt> -- active_merchant sets to required gateway option value
+      # * <tt>:line_items</tt> -- XXX not implemented yet
+      # * <tt>:custom_fields</tt> -- XXX not implemented yet
+      #
+      # ==== Transaction Options
+      # * <tt>:invoice</tt> -- transaction invoice number; truncated to 10 characters; defaults to reference_number
+      # * <tt>:po_number</tt> -- commercial purchase order number; upto 25 characters
+      # * <tt>:order_id</tt> -- should be used to assign a unique id; upto 64 characters
+      # * <tt>:clerk</tt> -- sales clerk
+      # * <tt>:terminal</tt> -- terminal name
+      # * <tt>:table</tt> -- table name/number
+      # * <tt>:description</tt> -- description
+      # * <tt>:comments</tt> -- comments
+      # * <tt>:allow_partial_auth</tt> -- allow partial authorization if full amount is not available; defaults +false+
+      # * <tt>:currency</tt> -- numeric currency code
+      # * <tt>:tax</tt> -- tax portion of amount
+      # * <tt>:tip</tt> -- tip portion of amount
+      # * <tt>:non_tax</tt> -- +true+ if transaction is non-taxable
+      # * <tt>:shipping</tt> -- shipping portion of amount
+      # * <tt>:discount</tt> -- amount of discount
+      # * <tt>:subtotal</tt> -- amount of transaction before tax, tip, shipping, and discount are applied
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def run_customer_transaction(options={})
+        requires! options, :customer_number, :command, :amount
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Transactions ==================================================
+
+      # Run a transaction.
+      #
+      # Note: run_sale, run_auth_only, run_credit, run_check_sale, run_check_credit
+      # methods are also available. Each takes the same options as 
+      # run_transaction, but the :command option is not required.
+      #
+      # Recurring Note: If recurring options are included USA ePay will create a
+      # new customer record with the supplied information. The customer number
+      # will be returned in the response.
+      #
+      # ==== Options
+      # * <tt>:method</tt> -- credit_card or check
+      # * <tt>:command</tt> -- sale, credit, void, creditvoid, authonly, capture, postauth, check, checkcredit; defaults to sale; only required for run_transaction when other than sale
+      # * <tt>:reference_number</tt> -- for the original transaction; obtained by sale or authonly
+      # * <tt>:authorization_code</tt> -- required for postauth; obtained offline
+      # * <tt>:ignore_duplicate</tt> -- set +true+ if you want to override the duplicate tranaction handling
+      # * <tt>:account_holder</tt> -- name of account holder
+      # * <tt>:customer_id</tt> -- merchant assigned id
+      # * <tt>:customer_receipt</tt> -- set +true+ to email receipt to billing email address
+      # * <tt>:customer_template</tt> -- name of template
+      # * <tt>:software</tt> -- stamp merchant software version for tracking
+      # * <tt>:billing_address</tt> -- see UsaEpayCimGateway documentation for all address fields
+      # * <tt>:shipping_address</tt> -- see UsaEpayCimGateway documentation for all address fields
+      # * <tt>:recurring</tt> -- used for recurring billing transactions
+      #   * <tt>:schedule</tt> -- disabled, daily, weekly, bi-weekly (every two weeks), monthly, bi-monthly (every two months), quarterly, bi-annually (every six months), annually
+      #   * <tt>:next</tt> -- date customer billed next (Date/Time)
+      #   * <tt>:expire</tt> -- date the recurring transactions end (Date/Time)
+      #   * <tt>:number_left</tt> -- transactions remaining in billing cycle
+      #   * <tt>:amount</tt> -- amount to be billed each recurring transaction
+      #   * <tt>:enabled</tt> -- states if currently active
+      # * <tt>:line_items</tt> -- XXX not implemented yet
+      # * <tt>:custom_fields</tt> -- XXX not implemented yet
+      #
+      # ==== Transaction Options
+      # * <tt>:amount</tt> -- total amount
+      # * <tt>:invoice</tt> -- transaction invoice number; truncated to 10 characters; defaults to reference_number
+      # * <tt>:po_number</tt> -- commercial purchase order number; upto 25 characters
+      # * <tt>:order_id</tt> -- should be used to assign a unique id; upto 64 characters
+      # * <tt>:clerk</tt> -- sales clerk
+      # * <tt>:terminal</tt> -- terminal name
+      # * <tt>:table</tt> -- table name/number
+      # * <tt>:description</tt> -- description
+      # * <tt>:comments</tt> -- comments
+      # * <tt>:allow_partial_auth</tt> -- allow partial authorization if full amount is not available; defaults +false+
+      # * <tt>:currency</tt> -- numeric currency code
+      # * <tt>:tax</tt> -- tax portion of amount
+      # * <tt>:tip</tt> -- tip portion of amount
+      # * <tt>:non_tax</tt> -- +true+ if transaction is non-taxable
+      # * <tt>:shipping</tt> -- shipping portion of amount
+      # * <tt>:discount</tt> -- amount of discount
+      # * <tt>:subtotal</tt> -- amount of transaction before tax, tip, shipping, and discount are applied
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def run_transaction(options={})
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      TRANSACTION_METHODS = [
+        :run_sale, :run_auth_only, :run_credit, 
+        :run_check_sale, :run_check_credit
+      ] #:nodoc:
+
+      TRANSACTION_METHODS.each do |method|
+        define_method method do |options|
+          request = build_request(method, options)
+          commit(method, request)
+        end
+      end
+
+      # Post an authorization code obtained offline.
+      #
+      # ==== Required
+      # * <tt>:authorization_code</tt> -- obtained offline
+      #
+      # ==== Options
+      # * Same as run_transaction
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def post_auth(options={})
+        requires! options, :authorization_code
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Capture an authorized transaction and move it into the current batch
+      # for settlement.
+      #
+      # Note: Check with merchant bank for details/restrictions on differing
+      # amounts than the original authorization.
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt>
+      #
+      # ==== Options
+      # * <tt>:amount</tt> -- may be different than original amount; 0 will void authorization
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def capture_transaction(options={})
+        requires! options, :reference_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+    
+      # Void a transaction.
+      #
+      # Note: Can only be voided before being settled.
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt>
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def void_transaction(options={})
+        requires! options, :reference_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+    
+      # Refund transaction.
+      #
+      # Note: Required after a transaction has been settled. Refunds
+      # both credit card and check transactions.
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt>
+      # * <tt>:amount</tt> -- amount to refund; 0 will refund original amount
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def refund_transaction(options={})
+        requires! options, :reference_number, :amount
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+    
+      # Override transaction flagged for mananager approval.
+      #
+      # Note: Checks only!
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt>
+      #
+      # ==== Options
+      # * <tt>:reason</tt>
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def override_transaction(options={})
+        requires! options, :reference_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Quick Transactions ============================================
+
+      # Run a sale transaction based off of a past transaction.
+      #
+      # Transfers referenced transaction's payment method to this
+      # transaction. As of 6/2011, USA ePay blocks credit card numbers
+      # at 3 years.
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt> -- transaction to reference payment from
+      # * <tt>:amount</tt> -- total amount
+      #
+      # ==== Options
+      # * <tt>:authorize_only</tt> -- set +true+ if you just want to authorize
+      #
+      # ==== Transaction Options
+      # * <tt>:invoice</tt> -- transaction invoice number; truncated to 10 characters; defaults to reference_number
+      # * <tt>:po_number</tt> -- commercial purchase order number; upto 25 characters
+      # * <tt>:order_id</tt> -- should be used to assign a unique id; upto 64 characters
+      # * <tt>:clerk</tt> -- sales clerk
+      # * <tt>:terminal</tt> -- terminal name
+      # * <tt>:table</tt> -- table name/number
+      # * <tt>:description</tt> -- description
+      # * <tt>:comments</tt> -- comments
+      # * <tt>:allow_partial_auth</tt> -- allow partial authorization if full amount is not available; defaults +false+
+      # * <tt>:currency</tt> -- numeric currency code
+      # * <tt>:tax</tt> -- tax portion of amount
+      # * <tt>:tip</tt> -- tip portion of amount
+      # * <tt>:non_tax</tt> -- +true+ if transaction is non-taxable
+      # * <tt>:shipping</tt> -- shipping portion of amount
+      # * <tt>:discount</tt> -- amount of discount
+      # * <tt>:subtotal</tt> -- amount of transaction before tax, tip, shipping, and discount are applied
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def run_quick_sale(options={})
+        requires! options, :reference_number, :amount
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Run a credit based off of a past transaction.
+      #
+      # Transfers referenced transaction's payment method to this
+      # transaction. As of 6/2011, USA ePay blocks credit card numbers
+      # at 3 years.
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt> -- transaction to reference payment from
+      #
+      # ==== Transaction Options
+      # * <tt>:amount</tt> -- total amount
+      # * <tt>:invoice</tt> -- transaction invoice number; truncated to 10 characters; defaults to reference_number
+      # * <tt>:po_number</tt> -- commercial purchase order number; upto 25 characters
+      # * <tt>:order_id</tt> -- should be used to assign a unique id; upto 64 characters
+      # * <tt>:clerk</tt> -- sales clerk
+      # * <tt>:terminal</tt> -- terminal name
+      # * <tt>:table</tt> -- table name/number
+      # * <tt>:description</tt> -- description
+      # * <tt>:comments</tt> -- comments
+      # * <tt>:allow_partial_auth</tt> -- allow partial authorization if full amount is not available; defaults +false+
+      # * <tt>:currency</tt> -- numeric currency code
+      # * <tt>:tax</tt> -- tax portion of amount
+      # * <tt>:tip</tt> -- tip portion of amount
+      # * <tt>:non_tax</tt> -- +true+ if transaction is non-taxable
+      # * <tt>:shipping</tt> -- shipping portion of amount
+      # * <tt>:discount</tt> -- amount of discount
+      # * <tt>:subtotal</tt> -- amount of transaction before tax, tip, shipping, and discount are applied
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction response hash
+      #
+      def run_quick_credit(options={})
+        requires! options, :reference_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Transaction Status ============================================
+
+      # Retrieve details of a specified transaction.
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt>
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- transaction hash
+      #
+      def get_transaction(options={})
+        requires! options, :reference_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Check status of a transaction.
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt>
+      #
+      # ==== Response
+      # * <tt>response.success</tt> -- success of the referenced transaction
+      # * <tt>response.message</tt> -- message of the referenced transaction
+      # * <tt>response.authorization</tt> -- same as :reference_number in options
+      #
+      def get_transaction_status(options={})
+        requires! options, :reference_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Check status of a transaction (custom).
+      # 
+      # ==== Required
+      # * <tt>:reference_number</tt>
+      # * <tt>:fields</tt> -- string array of fields to retrieve
+      #   * <tt>Response.AuthCode</tt>
+      #   * <tt>Response.AvsResult</tt>
+      #   * <tt>Response.AvsResultCode</tt>
+      #   * <tt>Response.BatchNum</tt>
+      #   * <tt>Response.CardCodeResult</tt>
+      #   * <tt>Response.CardCodeResultCode</tt>
+      #   * <tt>Response.ConversionRate</tt>
+      #   * <tt>Response.ConvertedAmount</tt>
+      #   * <tt>Response.ConvertedAmountCurrency</tt>
+      #   * <tt>Response.Error</tt>
+      #   * <tt>Response.ErrorCode</tt>
+      #   * <tt>Response.RefNum</tt>
+      #   * <tt>Response.Result</tt>
+      #   * <tt>Response.ResultCode</tt>
+      #   * <tt>Response.Status</tt>
+      #   * <tt>Response.StatusCode</tt>
+      #   * <tt>CheckTrace.TrackingNum</tt>
+      #   * <tt>CheckTrace.Effective</tt>
+      #   * <tt>CheckTrace.Processed</tt>
+      #   * <tt>CheckTrace.Settled</tt>
+      #   * <tt>CheckTrace.Returned</tt>
+      #   * <tt>CheckTrace.BankNote</tt>
+      #   * <tt>DateTime</tt>
+      #   * <tt>AccountHolder</tt>
+      #   * <tt>Details.Invoice</tt>
+      #   * <tt>Details.PoNum</tt>
+      #   * <tt>Details.OrderID</tt>
+      #   * <tt>Details.Clerk</tt>
+      #   * <tt>Details.Terminal</tt>
+      #   * <tt>Details.Table</tt>
+      #   * <tt>Details.Description</tt>
+      #   * <tt>Details.Amount</tt>
+      #   * <tt>Details.Currency</tt>
+      #   * <tt>Details.Tax</tt>
+      #   * <tt>Details.Tip</tt>
+      #   * <tt>Details.NonTax</tt>
+      #   * <tt>Details.Shipping</tt>
+      #   * <tt>Details.Discount</tt>
+      #   * <tt>Details.Subtotal</tt>
+      #   * <tt>CreditCardData.CardType</tt>
+      #   * <tt>CreditCardData.CardNumber</tt>
+      #   * <tt>CreditCardData.CardExpiration</tt>
+      #   * <tt>CreditCardData.CardCode</tt>
+      #   * <tt>CreditCardData.AvsStreet</tt>
+      #   * <tt>CreditCardData.AvsZip</tt>
+      #   * <tt>CreditCardData.CardPresent</tt>
+      #   * <tt>CheckData.CheckNumber</tt>
+      #   * <tt>CheckData.Routing</tt>
+      #   * <tt>CheckData.Account</tt>
+      #   * <tt>CheckData.SSN</tt>
+      #   * <tt>CheckData.DriversLicense</tt>
+      #   * <tt>CheckData.DriversLicenseState</tt>
+      #   * <tt>CheckData.RecordType</tt>
+      #   * <tt>User</tt>
+      #   * <tt>Source</tt>
+      #   * <tt>ServerIP</tt>
+      #   * <tt>ClientIP</tt>
+      #   * <tt>CustomerID</tt>
+      #   * <tt>BillingAddress.FirstName</tt>
+      #   * <tt>BillingAddress.LastName</tt>
+      #   * <tt>BillingAddress.Company</tt>
+      #   * <tt>BillingAddress.Street</tt>
+      #   * <tt>BillingAddress.Street2</tt>
+      #   * <tt>BillingAddress.City</tt>
+      #   * <tt>BillingAddress.State</tt>
+      #   * <tt>BillingAddress.Zip</tt>
+      #   * <tt>BillingAddress.Country</tt>
+      #   * <tt>BillingAddress.Phone</tt>
+      #   * <tt>BillingAddress.Fax</tt>
+      #   * <tt>BillingAddress.Email</tt>
+      #   * <tt>ShippingAddress.FirstName</tt>
+      #   * <tt>ShippingAddress.LastName</tt>
+      #   * <tt>ShippingAddress.Company</tt>
+      #   * <tt>ShippingAddress.Street</tt>
+      #   * <tt>ShippingAddress.Street2</tt>
+      #   * <tt>ShippingAddress.City</tt>
+      #   * <tt>ShippingAddress.State</tt>
+      #   * <tt>ShippingAddress.Zip</tt>
+      #   * <tt>ShippingAddress.Country</tt>
+      #   * <tt>ShippingAddress.Phone</tt>
+      #   * <tt>ShippingAddress.Fax</tt>
+      #   * <tt>ShippingAddress.Email</tt>
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- hash; keys are the field values
+      #
+      def get_transaction_custom(options={})
+        requires! options, :reference_number, :fields
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Check status of a check transaction.
+      #
+      # ==== Required
+      # * <tt>:reference_number</tt>
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- check trace hash
+      #
+      def get_check_trace(options={})
+        requires! options, :reference_number
+
+        request = build_request(__method__, options)
+        commit(__method__, request)
+      end
+
+      # Account =======================================================
+
+      # Retrieve merchant account details
+      #
+      # ==== Response
+      # * <tt>#message</tt> -- account hash
+      #
+      def get_account_details
+        request = build_request(__method__)
+        commit(__method__, request)
+      end
+
+      # Builders ======================================================
+      
+      private
+
+      # Build soap header, etc.
+      def build_request(action, options = {})
+        soap = Builder::XmlMarkup.new
+        soap.instruct!(:xml, :version => '1.0', :encoding => 'utf-8')
+        soap.tag! "SOAP-ENV:Envelope",
+          'xmlns:SOAP-ENV' => 'http://schemas.xmlsoap.org/soap/envelope/',
+          'xmlns:ns1' => 'urn:usaepay',
+          'xmlns:xsd' => 'http://www.w3.org/2001/XMLSchema',
+          'xmlns:xsi' => 'http://www.w3.org/2001/XMLSchema-instance',
+          'xmlns:SOAP-ENC' => 'http://schemas.xmlsoap.org/soap/encoding/',
+          'SOAP-ENV:encodingStyle' => 'http://schemas.xmlsoap.org/soap/encoding/' do |soap|
+          soap.tag! "SOAP-ENV:Body" do |soap|
+            send("build_#{action}", soap, options)
+          end
+        end
+        soap.target!
+      end
+
+      # Build generic tag.
+      def build_tag(soap, type, tag, value)
+        soap.tag!(tag, value, 'xsi:type' => "xsd:#{type}") if value != nil
+      end
+
+      # Build token.
+      def build_token(soap, options)
+        seed = SecureRandom.base64(32)
+        hash = Digest::SHA1.hexdigest("#{@options[:login]}#{seed}#{@options[:password].to_s.strip}")
+        soap.Token 'xsi:type' => 'ns1:ueSecurityToken' do |soap|
+          build_tag soap, :string, 'ClientIP', options[:client_ip]
+          soap.PinHash 'xsi:type' => 'ns1:ueHash' do |soap|
+            build_tag soap, :string, "HashValue", hash
+            build_tag soap, :string, "Seed", seed
+            build_tag soap, :string, "Type", 'sha1'
+          end
+          build_tag soap, :string, 'SourceKey', @options[:login]
+        end
+      end
+
+      # Customer ======================================================
+
+      def build_add_customer(soap, options)
+        soap.tag! "ns1:addCustomer" do |soap|
+          build_token soap, options
+          build_customer_data soap, options
+          build_tag soap, :double, 'Amount', amount(options[:amount])
+          build_tag soap, :double, 'Tax', amount(options[:tax])
+          build_tag soap, :string, 'Next', options[:next].strftime("%Y-%m-%d") if options[:next]
+        end
+      end
+
+      def build_customer(soap, options, type, add_customer_data=false)
+        soap.tag! "ns1:#{type}" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'CustNum', options[:customer_number]
+          build_customer_data soap, options if add_customer_data
+        end
+      end
+
+      def build_update_customer(soap, options)
+        build_customer(soap, options, 'updateCustomer', true)
+      end
+
+      def build_enable_customer(soap, options)
+        build_customer(soap, options, 'enableCustomer')
+      end
+
+      def build_disable_customer(soap, options)
+        build_customer(soap, options, 'disableCustomer')
+      end
+
+      def build_delete_customer(soap, options)
+        build_customer(soap, options, 'deleteCustomer')
+      end
+
+      def build_add_customer_payment_method(soap, options)
+        soap.tag! "ns1:addCustomerPaymentMethod" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'CustNum', options[:customer_number]
+          build_customer_payment_methods soap, options
+          build_tag soap, :boolean, 'MakeDefault', options[:make_default]
+          build_tag soap, :boolean, 'Verify', options[:verify]
+        end
+      end
+
+      def build_get_customer_payment_method(soap, options)
+        soap.tag! 'ns1:getCustomerPaymentMethod' do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'CustNum', options[:customer_number]
+          build_tag soap, :integer, 'MethodID', options[:method_id]
+        end
+      end
+
+      def build_get_customer_payment_methods(soap, options)
+        build_customer(soap, options, 'getCustomerPaymentMethods')
+      end
+
+      def build_update_customer_payment_method(soap, options)
+        soap.tag! 'ns1:updateCustomerPaymentMethod' do |soap|
+          build_token soap, options
+          build_customer_payment_methods soap, options
+          build_tag soap, :boolean, 'Verify', options[:verify]
+        end
+      end
+
+      def build_delete_customer_payment_method(soap, options)
+        soap.tag! "ns1:deleteCustomerPaymentMethod" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'Custnum', options[:customer_number]
+          build_tag soap, :integer, 'PaymentMethodID', options[:method_id]
+        end
+      end
+
+      def build_run_customer_transaction(soap, options)
+        soap.tag! "ns1:runCustomerTransaction" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'CustNum', options[:customer_number]
+          build_tag soap, :integer, 'PaymentMethodID', options[:method_id] || 0
+          build_customer_transaction soap, options
+        end
+      end
+
+      # Transactions ==================================================
+      
+      def build_run_transaction(soap, options)
+        soap.tag! 'ns1:runTransaction' do |soap|
+          build_token soap, options
+          build_transaction_request_object soap, options, 'Parameters'
+        end
+      end
+
+      def build_run_sale(soap, options)
+        soap.tag! 'ns1:runSale' do |soap|
+          build_token soap, options
+          build_transaction_request_object soap, options
+        end
+      end
+
+      def build_run_auth_only(soap, options)
+        soap.tag! 'ns1:runAuthOnly' do |soap|
+          build_token soap, options
+          build_transaction_request_object soap, options
+        end
+      end
+
+      def build_run_credit(soap, options)
+        soap.tag! 'ns1:runCredit' do |soap|
+          build_token soap, options
+          build_transaction_request_object soap, options
+        end
+      end
+
+      def build_run_check_sale(soap, options)
+        soap.tag! 'ns1:runCheckSale' do |soap|
+          build_token soap, options
+          build_transaction_request_object soap, options
+        end
+      end
+
+      def build_run_check_credit(soap, options)
+        soap.tag! 'ns1:runCheckCredit' do |soap|
+          build_token soap, options
+          build_transaction_request_object soap, options
+        end
+      end
+
+      def build_post_auth(soap, options)
+        soap.tag! 'ns1:postAuth' do |soap|
+          build_token soap, options
+          build_transaction_request_object soap, options
+        end
+      end
+
+      def build_run_quick_sale(soap, options)
+        soap.tag! 'ns1:runQuickSale' do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+          build_transaction_detail soap, options
+          build_tag soap, :boolean, 'AuthOnly', options[:authorize_only] || false
+        end
+      end
+
+      def build_run_quick_credit(soap, options)
+        soap.tag! 'ns1:runQuickCredit' do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+          build_transaction_detail soap, options
+        end
+      end
+
+      def build_get_transaction(soap, options)
+        soap.tag! "ns1:getTransaction" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+        end
+      end
+
+      def build_get_transaction_status(soap, options)
+        soap.tag! "ns1:getTransactionStatus" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+        end
+      end
+
+      def build_get_transaction_custom(soap, options)
+        soap.tag! "ns1:getTransactionCustom" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+          build_transaction_field_array soap, options
+        end
+      end
+
+      def build_get_check_trace(soap, options)
+        soap.tag! "ns1:getCheckTrace" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+        end
+      end
+
+      def build_capture_transaction(soap, options)
+        soap.tag! "ns1:captureTransaction" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+          build_tag soap, :double, 'RefNum', amount(options[:amount])
+        end
+      end
+
+      def build_void_transaction(soap, options)
+        soap.tag! "ns1:voidTransaction" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+        end
+      end
+
+      def build_refund_transaction(soap, options)
+        soap.tag! "ns1:refundTransaction" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+          build_tag soap, :integer, 'Amount', amount(options[:amount])
+        end
+      end
+
+      def build_override_transaction(soap, options)
+        soap.tag! "ns1:overrideTransaction" do |soap|
+          build_token soap, options
+          build_tag soap, :integer, 'RefNum', options[:reference_number]
+          build_tag soap, :string, 'Reason', options[:reason]
+        end
+      end
+
+      # Account =======================================================
+
+      def build_get_account_details(soap, options)
+        soap.tag! "ns1:getAccountDetails" do |soap|
+          build_token soap, options
+        end
+      end
+
+      # Customer Helpers ==============================================
+
+      def build_customer_data(soap, options)
+        soap.CustomerData 'xsi:type' => 'ns1:CustomerObject' do
+          CUSTOMER_OPTIONS.each do |k,v|
+            build_tag soap, v[0], v[1], options[k]
+          end
+          build_billing_address soap, options
+          build_customer_payments soap, options
+          build_custom_fields soap, options
+        end
+      end
+
+      def build_customer_payments(soap, options)
+        if options[:payment_methods]
+          length = options[:payment_methods].length
+          soap.PaymentMethods 'SOAP-ENC:arrayType' => "ns1:PaymentMethod[#{length}]", 
+            'xsi:type' =>"ns1:PaymentMethodArray" do |soap|
+            build_customer_payment_methods soap, options
+          end
+        end
+      end
+
+      def extract_methods_and_tag(options)
+        case
+        when options[:payment_method] && !options[:payment_methods]
+          payment_methods = [options[:payment_method]]
+          tag_name = 'PaymentMethod'
+        when options[:payment_methods] && !options[:payment_method]
+          payment_methods = options[:payment_methods]
+          tag_name = 'item'
+        else
+          payment_methods = [options]
+          tag_name = 'PaymentMethod'
+        end
+        [payment_methods, tag_name]
+      end
+
+      def build_credit_card_or_check(soap, payment_method)
+        case
+        when payment_method[:method].kind_of?(ActiveMerchant::Billing::CreditCard)
+          build_tag soap, :string, 'CardNumber', payment_method[:method].number
+          build_tag soap, :string, 'CardExpiration', 
+            "#{"%02d" % payment_method[:method].month}#{payment_method[:method].year}"
+          if options[:billing_address]
+            build_tag soap, :string, 'AvsStreet', options[:billing_address][:address1]
+            build_tag soap, :string, 'AvsZip', options[:billing_address][:zip]
+          end
+          build_tag soap, :string, 'CardCode', payment_method[:method].verification_value
+        when payment_method[:method].kind_of?(ActiveMerchant::Billing::Check)
+          build_tag soap, :string, 'Account', payment_method[:method].number
+          build_tag soap, :string, 'Routing', payment_method[:method].routing_number
+          build_tag soap, :string, 'AccountType', payment_method[:method].account_type.capitalize
+          build_tag soap, :string, 'DriversLicense', options[:drivers_license]
+          build_tag soap, :string, 'DriversLicenseState', options[:drivers_license_state]
+          build_tag soap, :string, 'RecordType', options[:record_type]
+        end
+      end
+
+      def build_customer_payment_methods(soap, options)
+        payment_methods, tag_name = extract_methods_and_tag(options)
+        payment_methods.each do |payment_method|
+          soap.tag! tag_name, 'xsi:type' => "ns1:PaymentMethod" do |soap|
+            build_tag soap, :integer, 'MethodID', payment_method[:method_id]
+            build_tag soap, :string, 'MethodType', payment_method[:type]
+            build_tag soap, :string, 'MethodName', payment_method[:name]
+            build_tag soap, :integer, 'SecondarySort', payment_method[:sort]
+            build_credit_card_or_check(soap, payment_method)
+          end
+        end
+      end
+
+      def build_customer_transaction(soap, options)
+        soap.Parameters 'xsi:type' => "ns1:CustomerTransactionRequest" do |soap|
+          build_transaction_detail soap, options
+          CUSTOMER_TRANSACTION_REQUEST_OPTIONS.each do |k,v|
+            build_tag soap, v[0], v[1], options[k]
+          end
+          build_custom_fields soap, options
+          build_line_items soap, options
+        end
+      end
+
+      # Transaction Helpers ===========================================
+
+      def build_transaction_request_object(soap, options, name='Params')
+        soap.tag! name, 'xsi:type' => "ns1:TransactionRequestObject" do |soap|
+          TRANSACTION_REQUEST_OBJECT_OPTIONS.each do |k,v|
+            build_tag soap, v[0], v[1], options[k]
+          end
+          case
+          when options[:payment_method] == nil
+          when options[:payment_method].kind_of?(ActiveMerchant::Billing::CreditCard)
+            build_credit_card_data soap, options
+          when options[:payment_method].kind_of?(ActiveMerchant::Billing::Check)
+            build_check_data soap, options
+          else
+            raise ArgumentError, 'options[:payment_method] must be a CreditCard or Check'
+          end
+          build_transaction_detail soap, options
+          build_billing_address soap, options
+          build_shipping_address soap, options
+          build_recurring_billing soap, options
+          build_line_items soap, options
+          build_custom_fields soap, options
+        end
+      end
+
+      def build_transaction_detail(soap, options)
+        soap.Details 'xsi:type' => "ns1:TransactionDetail" do |soap|
+          TRANSACTION_DETAIL_OPTIONS.each do |k,v|
+            build_tag soap, v[0], v[1], options[k]
+          end
+          TRANSACTION_DETAIL_MONEY_OPTIONS.each do |k,v|
+            build_tag soap, v[0], v[1], amount(options[k])
+          end
+        end
+      end
+
+      def build_credit_card_data(soap, options)
+        soap.CreditCardData 'xsi:type' => "ns1:CreditCardData" do |soap|
+          build_tag soap, :string, 'CardNumber', options[:payment_method].number
+          build_tag soap, :string, 'CardExpiration', 
+            "#{"%02d" % options[:payment_method].month}#{options[:payment_method].year}"
+          if options[:billing_address]
+            build_tag soap, :string, 'AvsStreet', options[:billing_address][:address1]
+            build_tag soap, :string, 'AvsZip', options[:billing_address][:zip]
+          end
+          build_tag soap, :string, 'CardCode', options[:payment_method].verification_value
+          build_tag soap, :boolean, 'CardPresent', options[:card_present] || false
+          CREDIT_CARD_DATA_OPTIONS.each do |k,v|
+            build_tag soap, v[0], v[1], options[k]
+          end
+        end
+      end
+
+      def build_check_data(soap, options)
+        soap.CheckData 'xsi:type' => "ns1:CheckData" do |soap|
+          build_tag soap, :string, 'Account', options[:payment_method].number
+          build_tag soap, :string, 'Routing', options[:payment_method].routing_number
+          build_tag soap, :string, 'AccountType', options[:payment_method].account_type.capitalize
+          CHECK_DATA_OPTIONS.each do |k,v|
+            build_tag soap, v[0], v[1], options[k]
+          end
+        end
+      end
+
+      def build_recurring_billing(soap, options)
+        if options[:recurring]
+          soap.RecurringBilling 'xsi:type' => "ns1:RecurringBilling" do |soap|
+            build_tag soap, :double, 'Amount', amount(options[:recurring][:amount])
+            build_tag soap, :string, 'Next', options[:recurring][:next].strftime("%Y-%m-%d") if options[:recurring][:next]
+            build_tag soap, :string, 'Expire', options[:recurring][:expire].strftime("%Y-%m-%d") if options[:recurring][:expire]
+            RECURRING_BILLING_OPTIONS.each do |k,v|
+              build_tag soap, v[0], v[1], options[:recurring][k]
+            end
+          end
+        end
+      end
+
+      def build_transaction_field_array(soap, options)
+        soap.Fields 'SOAP-ENC:arryType' => "xsd:string[#{options[:fields].length}]", 'xsi:type' => 'ns1:stringArray' do |soap|
+          options[:fields].each do |field|
+            build_tag soap, :string, 'item', field
+          end
+        end
+      end
+
+      # General Helpers ===============================================
+
+      def build_billing_address(soap, options)
+        if options[:billing_address]
+          if options[:billing_address][:name]
+            name = options[:billing_address][:name].split(nil,2) # divide name
+            options[:billing_address][:first_name], options[:billing_address][:last_name] = name[0], name[1]
+          end
+          soap.BillingAddress 'xsi:type' => "ns1:Address" do
+            ADDRESS_OPTIONS.each do |k,v|
+              build_tag soap, v[0], v[1], options[:billing_address][k]
+            end
+          end
+        end
+      end
+
+      def build_shipping_address(soap, options)
+        if options[:shipping_address]
+          if options[:shipping_address][:name]
+            name = options[:shipping_address][:name].split(nil,2) # divide name
+            options[:shipping_address][:first_name], options[:shipping_address][:last_name] = name[0], name[1]
+          end
+          soap.ShippingAddress 'xsi:type' => "ns1:Address" do
+            ADDRESS_OPTIONS.each do |k,v|
+              build_tag soap, v[0], v[1], options[:shipping_address][k]
+            end
+          end
+        end
+      end
+
+      def build_line_items(soap, options) # TODO
+      end
+      
+      def build_custom_fields(soap, options) # TODO
+      end
+
+      # Request =======================================================
+
+      def commit(action, request)
+        url = test? ? test_url : live_url
+
+        begin
+          soap = ssl_post(url, request, "Content-Type" => "text/xml")
+        rescue ActiveMerchant::ResponseError => error
+          soap = error.response.body
+        end
+
+        response = build_response(action, soap)
+      end
+
+      def build_response(action, soap)
+        response_params, success, message, authorization, avs, cvv = parse(action, soap)
+
+        response_params.merge!('soap_response' => soap) if @options[:soap_response]
+
+        response = Response.new(
+          success, message, response_params,
+          :test => test?, :authorization => authorization,
+          :avs_result => avs_from(avs),
+          :cvv_result => cvv
+        )
+      end
+
+      def avs_from(avs)
+        avs_params = { :code => avs }
+        avs_params.merge!(:message => AVS_CUSTOM_MESSAGES[avs]) if AVS_CUSTOM_MESSAGES.key?(avs)
+        avs_params
+      end
+
+      def parse(action, soap)
+        xml = REXML::Document.new(soap)
+        root = REXML::XPath.first(xml, "//SOAP-ENV:Body")
+        response = root ? parse_element(root[0]) : { :response => soap }
+
+        success, message, authorization, avs, cvv = false, FAILURE_MESSAGE, nil, nil, nil
+
+        fault = (!response) || (response.length < 1) || response.has_key?('faultcode')
+        return [response, success, response['faultstring'], authorization, avs, cvv] if fault
+
+        if response.respond_to?(:[]) && p = response["#{action}_return"] 
+          if p.respond_to?(:key?) && p.key?('result_code')
+            success = p['result_code'] == 'A' ? true : false
+            authorization = p['ref_num']
+            avs = AVS_RESULTS[p['avs_result_code']]
+            cvv = p['card_code_result_code']
+          else
+            success = true
+          end
+          message = case action
+          when :get_customer_payment_methods
+            p['item']
+          when :get_transaction_custom
+            p['item'].inject({}) { |map, field| map[field['field']] = field['value']; map }
+          else
+            p
+          end
+        elsif response.respond_to?(:[]) && p = response[:response]
+          message = p # when response is html
+        end
+
+        [response, success, message, authorization, avs, cvv]
+      end
+
+      def parse_element(node)
+        if node.has_elements?
+          response = {}
+          node.elements.each do |e|
+            key = e.name.underscore
+            value = parse_element(e)
+            if response.has_key?(key)
+              if response[key].is_a?(Array)
+                response[key].push(value)
+              else
+                response[key] = [response[key], value]
+              end
+            else
+              response[key] = parse_element(e) 
+            end 
+          end
+        else
+          response = node.text
+        end
+
+        response
+      end
+
+    end
+  end
+end
+