activemerchant-nsp 1.27.0

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

@@ -0,0 +1,13 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class NmiGateway < AuthorizeNetGateway
+      self.test_url = 'https://secure.networkmerchants.com/gateway/transact.dll'
+      self.live_url = 'https://secure.networkmerchants.com/gateway/transact.dll'
+      self.homepage_url = 'http://nmi.com/'
+      self.display_name = 'NMI'
+      self.supported_countries = ['US']
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+    end
+  end
+end
+

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

@@ -0,0 +1,427 @@
+# coding: utf-8
+require 'rexml/document'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # = Ogone DirectLink Gateway
+    #
+    # DirectLink is the API version of the Ogone Payment Platform. It allows server to server
+    # communication between Ogone systems and your e-commerce website.
+    #
+    # This implementation follows the specification provided in the DirectLink integration
+    # guide version 4.3.0 (25 April 2012), available here:
+    # https://secure.ogone.com/ncol/Ogone_DirectLink_EN.pdf
+    #
+    # It also features aliases, which allow to store/unstore credit cards, as specified in
+    # the Alias Manager Option guide version 3.2.1 (25 April 2012) available here:
+    # https://secure.ogone.com/ncol/Ogone_Alias_EN.pdf
+    #
+    # It also implements the 3-D Secure feature, as specified in the DirectLink with
+    # 3-D Secure guide version 3.0 (25 April 2012) available here:
+    # https://secure.ogone.com/ncol/Ogone_DirectLink-3-D_EN.pdf
+    #
+    # It was last tested on Release 4.92 of Ogone DirectLink + AliasManager + Direct Link 3D
+    # (25 April 2012).
+    #
+    # For any questions or comments, please contact one of the following:
+    # - Joel Cogen (joel.cogen@belighted.com)
+    # - Nicolas Jacobeus (nicolas.jacobeus@belighted.com),
+    # - Sébastien Grosjean (public@zencocoon.com),
+    # - Rémy Coutable (remy@jilion.com).
+    #
+    # == Usage
+    #
+    #   gateway = ActiveMerchant::Billing::OgoneGateway.new(
+    #               :login                     => "my_ogone_psp_id",
+    #               :user                      => "my_ogone_user_id",
+    #               :password                  => "my_ogone_pswd",
+    #               :signature                 => "my_ogone_sha_signature", # Only if you configured your Ogone environment so.
+    #               :signature_encryptor       => "sha512", # Can be "none" (default), "sha1", "sha256" or "sha512".
+    #                                                       # Must be the same as the one configured in your Ogone account.
+    #            )
+    #
+    #   # set up credit card object as in main ActiveMerchant example
+    #   creditcard = ActiveMerchant::Billing::CreditCard.new(
+    #     :type       => 'visa',
+    #     :number     => '4242424242424242',
+    #     :month      => 8,
+    #     :year       => 2009,
+    #     :first_name => 'Bob',
+    #     :last_name  => 'Bobsen'
+    #   )
+    #
+    #   # run request
+    #   response = gateway.purchase(1000, creditcard, :order_id => "1") # charge 10 EUR
+    #
+    #   If you don't provide an :order_id, the gateway will generate a random one for you.
+    #
+    #   puts response.success?      # Check whether the transaction was successful
+    #   puts response.message       # Retrieve the message returned by Ogone
+    #   puts response.authorization # Retrieve the unique transaction ID returned by Ogone
+    #   puts response.order_id      # Retrieve the order ID
+    #
+    # == Alias feature
+    #
+    #   To use the alias feature, simply add :billing_id in the options hash:
+    #
+    #   # Associate the alias to that credit card
+    #   gateway.purchase(1000, creditcard, :order_id => "1", :billing_id => "myawesomecustomer")
+    #
+    #   # You can use the alias instead of the credit card for subsequent orders
+    #   gateway.purchase(2000, "myawesomecustomer", :order_id => "2")
+    #
+    #   # You can also create an alias without making a purchase using store
+    #   gateway.store(creditcard, :billing_id => "myawesomecustomer")
+    #
+    #   # When using store, you can also let Ogone generate the alias for you
+    #   response = gateway.store(creditcard)
+    #   puts response.billing_id  # Retrieve the generated alias
+    #
+    # == 3-D Secure feature
+    #
+    #   To use the 3-D Secure feature, simply add :d3d => true in the options hash:
+    #   gateway.purchase(2000, "myawesomecustomer", :order_id => "2", :d3d => true)
+    #
+    #   Specific 3-D Secure request options are (please refer to the documentation for more infos about these options):
+    #     :win_3ds         => :main_window (default), :pop_up or :pop_ix.
+    #     :http_accept     => "*/*" (default), or any other HTTP_ACCEPT header value.
+    #     :http_user_agent => The cardholder's User-Agent string
+    #     :accept_url      => URL of the web page to show the customer when the payment is authorized.
+    #                         (or waiting to be authorized).
+    #     :decline_url     => URL of the web page to show the customer when the acquirer rejects the authorization
+    #                         more than the maximum permitted number of authorization attempts (10 by default, but can
+    #                         be changed in the "Global transaction parameters" tab, "Payment retry" section of the
+    #                         Technical Information page).
+    #     :exception_url   => URL of the web page to show the customer when the payment result is uncertain.
+    #     :paramplus       => Field to submit the miscellaneous parameters and their values that you wish to be
+    #                         returned in the post sale request or final redirection.
+    #     :complus         => Field to submit a value you wish to be returned in the post sale request or output.
+    #     :language        => Customer's language, for example: "en_EN"
+    #
+    class OgoneGateway < Gateway
+
+      URLS = {
+        :order       => 'https://secure.ogone.com/ncol/%s/orderdirect.asp',
+        :maintenance => 'https://secure.ogone.com/ncol/%s/maintenancedirect.asp'
+      }
+
+      CVV_MAPPING = { 'OK' => 'M',
+                      'KO' => 'N',
+                      'NO' => 'P' }
+
+      AVS_MAPPING = { 'OK' => 'M',
+                      'KO' => 'N',
+                      'NO' => 'R' }
+
+      SUCCESS_MESSAGE = "The transaction was successful"
+
+      THREE_D_SECURE_DISPLAY_WAYS = { :main_window => 'MAINW',  # display the identification page in the main window
+                                                                # (default value).
+                                      :pop_up      => 'POPUP',  # display the identification page in a pop-up window
+                                                                # and return to the main window at the end.
+                                      :pop_ix      => 'POPIX' } # display the identification page in a pop-up window
+                                                                # and remain in the pop-up window.
+
+      OGONE_NO_SIGNATURE_DEPRECATION_MESSAGE   = "Signature usage will be the default for a future release of ActiveMerchant. You should either begin using it, or update your configuration to explicitly disable it (signature_encryptor: none)"
+      OGONE_STORE_OPTION_DEPRECATION_MESSAGE   = "The 'store' option has been renamed to 'billing_id', and its usage is deprecated."
+
+      self.test_url = URLS[:order] % "test"
+      self.live_url = URLS[:order] % "prod"
+
+      self.supported_countries = ['BE', 'DE', 'FR', 'NL', 'AT', 'CH']
+      # also supports Airplus and UATP
+      self.supported_cardtypes = [:visa, :master, :american_express, :diners_club, :discover, :jcb, :maestro]
+      self.homepage_url = 'http://www.ogone.com/'
+      self.display_name = 'Ogone'
+      self.default_currency = 'EUR'
+      self.money_format = :cents
+
+      def initialize(options = {})
+        requires!(options, :login, :user, :password)
+        @options = options
+        super
+      end
+
+      # Verify and reserve the specified amount on the account, without actually doing the transaction.
+      def authorize(money, payment_source, options = {})
+        post = {}
+        add_invoice(post, options)
+        add_payment_source(post, payment_source, options)
+        add_address(post, payment_source, options)
+        add_customer_data(post, options)
+        add_money(post, money, options)
+        commit('RES', post)
+      end
+
+      # Verify and transfer the specified amount.
+      def purchase(money, payment_source, options = {})
+        post = {}
+        add_invoice(post, options)
+        add_payment_source(post, payment_source, options)
+        add_address(post, payment_source, options)
+        add_customer_data(post, options)
+        add_money(post, money, options)
+        commit('SAL', post)
+      end
+
+      # Complete a previously authorized transaction.
+      def capture(money, authorization, options = {})
+        post = {}
+        add_authorization(post, reference_from(authorization))
+        add_invoice(post, options)
+        add_customer_data(post, options)
+        add_money(post, money, options)
+        commit('SAL', post)
+      end
+
+      # Cancels a previously authorized transaction.
+      def void(identification, options = {})
+        post = {}
+        add_authorization(post, reference_from(identification))
+        commit('DES', post)
+      end
+
+      # Credit the specified account by a specific amount.
+      def credit(money, identification_or_credit_card, options = {})
+        if reference_transaction?(identification_or_credit_card)
+          deprecated CREDIT_DEPRECATION_MESSAGE
+          # Referenced credit: refund of a settled transaction
+          refund(money, identification_or_credit_card, options)
+        else # must be a credit card or card reference
+          perform_non_referenced_credit(money, identification_or_credit_card, options)
+        end
+      end
+
+      # Refund of a settled transaction
+      def refund(money, reference, options = {})
+        perform_reference_credit(money, reference, options)
+      end
+
+      # Store a credit card by creating an Ogone Alias
+      def store(payment_source, options = {})
+        options.merge!(:alias_operation => 'BYOGONE') unless options.has_key?(:billing_id) || options.has_key?(:store)
+        response = authorize(1, payment_source, options)
+        void(response.authorization) if response.success?
+        response
+      end
+
+      def test?
+        @options[:test] || super
+      end
+
+      private
+
+      def reference_from(authorization)
+        authorization.split(";").first
+      end
+
+      def reference_transaction?(identifier)
+        return false unless identifier.is_a?(String)
+        _, action = identifier.split(";")
+        !action.nil?
+      end
+
+      def perform_reference_credit(money, payment_target, options = {})
+        post = {}
+        add_authorization(post, reference_from(payment_target))
+        add_money(post, money, options)
+        commit('RFD', post)
+      end
+
+      def perform_non_referenced_credit(money, payment_target, options = {})
+        # Non-referenced credit: acts like a reverse purchase
+        post = {}
+        add_invoice(post, options)
+        add_payment_source(post, payment_target, options)
+        add_address(post, payment_target, options)
+        add_customer_data(post, options)
+        add_money(post, money, options)
+        commit('RFD', post)
+      end
+
+      def add_payment_source(post, payment_source, options)
+        if payment_source.is_a?(String)
+          add_alias(post, payment_source, options[:alias_operation])
+          add_eci(post, options[:eci] || '9')
+        else
+          if options.has_key?(:store)
+            deprecated OGONE_STORE_OPTION_DEPRECATION_MESSAGE
+            options[:billing_id] ||= options[:store]
+          end
+          add_alias(post, options[:billing_id], options[:alias_operation])
+          add_eci(post, options[:eci] || '7')
+          add_d3d(post, options) if options[:d3d]
+          add_creditcard(post, payment_source)
+        end
+      end
+
+      def add_d3d(post, options)
+        add_pair post, 'FLAG3D', 'Y'
+        win_3ds = THREE_D_SECURE_DISPLAY_WAYS.key?(options[:win_3ds]) ?
+          THREE_D_SECURE_DISPLAY_WAYS[options[:win_3ds]] :
+          THREE_D_SECURE_DISPLAY_WAYS[:main_window]
+        add_pair post, 'WIN3DS', win_3ds
+
+        add_pair post, 'HTTP_ACCEPT',     options[:http_accept] || "*/*"
+        add_pair post, 'HTTP_USER_AGENT', options[:http_user_agent] if options[:http_user_agent]
+        add_pair post, 'ACCEPTURL',       options[:accept_url]      if options[:accept_url]
+        add_pair post, 'DECLINEURL',      options[:decline_url]     if options[:decline_url]
+        add_pair post, 'EXCEPTIONURL',    options[:exception_url]   if options[:exception_url]
+        add_pair post, 'PARAMPLUS',       options[:paramplus]       if options[:paramplus]
+        add_pair post, 'COMPLUS',         options[:complus]         if options[:complus]
+        add_pair post, 'LANGUAGE',        options[:language]        if options[:language]
+      end
+
+      def add_eci(post, eci)
+        add_pair post, 'ECI', eci.to_s
+      end
+
+      def add_alias(post, _alias, alias_operation = nil)
+        add_pair post, 'ALIAS', _alias
+        add_pair post, 'ALIASOPERATION', alias_operation unless alias_operation.nil?
+      end
+
+      def add_authorization(post, authorization)
+        add_pair post, 'PAYID', authorization
+      end
+
+      def add_money(post, money, options)
+        add_pair post, 'currency', options[:currency] || @options[:currency] || currency(money)
+        add_pair post, 'amount',   amount(money)
+      end
+
+      def add_customer_data(post, options)
+        add_pair post, 'EMAIL',       options[:email]
+        add_pair post, 'REMOTE_ADDR', options[:ip]
+      end
+
+      def add_address(post, creditcard, options)
+        return unless options[:billing_address]
+        add_pair post, 'Owneraddress', options[:billing_address][:address1]
+        add_pair post, 'OwnerZip',     options[:billing_address][:zip]
+        add_pair post, 'ownertown',    options[:billing_address][:city]
+        add_pair post, 'ownercty',     options[:billing_address][:country]
+        add_pair post, 'ownertelno',   options[:billing_address][:phone]
+      end
+
+      def add_invoice(post, options)
+        add_pair post, 'orderID', options[:order_id] || generate_unique_id[0...30]
+        add_pair post, 'COM',     options[:description]
+      end
+
+      def add_creditcard(post, creditcard)
+        add_pair post, 'CN',     creditcard.name
+        add_pair post, 'CARDNO', creditcard.number
+        add_pair post, 'ED',     "%02d%02s" % [creditcard.month, creditcard.year.to_s[-2..-1]]
+        add_pair post, 'CVC',    creditcard.verification_value
+      end
+
+      def parse(body)
+        xml_root = REXML::Document.new(body).root
+        response = convert_attributes_to_hash(xml_root.attributes)
+
+        # Add HTML_ANSWER element (3-D Secure specific to the response's params)
+        # Note: HTML_ANSWER is not an attribute so we add it "by hand" to the response
+        if html_answer = REXML::XPath.first(xml_root, "//HTML_ANSWER")
+          response["HTML_ANSWER"] = html_answer.text
+        end
+
+        response
+      end
+
+      def commit(action, parameters)
+        add_pair parameters, 'PSPID',  @options[:login]
+        add_pair parameters, 'USERID', @options[:user]
+        add_pair parameters, 'PSWD',   @options[:password]
+
+        url = URLS[parameters['PAYID'] ? :maintenance : :order] % [test? ? "test" : "prod"]
+        response = parse(ssl_post(url, post_data(action, parameters)))
+
+        options = {
+          :authorization => [response["PAYID"], action].join(";"),
+          :test          => test?,
+          :avs_result    => { :code => AVS_MAPPING[response["AAVCheck"]] },
+          :cvv_result    => CVV_MAPPING[response["CVCCheck"]]
+        }
+        OgoneResponse.new(successful?(response), message_from(response), response, options)
+      end
+
+      def successful?(response)
+        response["NCERROR"] == "0"
+      end
+
+      def message_from(response)
+        if successful?(response)
+          SUCCESS_MESSAGE
+        else
+          format_error_message(response["NCERRORPLUS"])
+        end
+      end
+
+      def format_error_message(message)
+        raw_message = message.to_s.strip
+        case raw_message
+        when /\|/
+          raw_message.split("|").join(", ").capitalize
+        when /\//
+          raw_message.split("/").first.to_s.capitalize
+        else
+          raw_message.to_s.capitalize
+        end
+      end
+
+      def post_data(action, parameters = {})
+        add_pair parameters, 'Operation', action
+        add_signature(parameters)
+        parameters.to_query
+      end
+
+      def add_signature(parameters)
+        if @options[:signature].blank?
+           deprecated(OGONE_NO_SIGNATURE_DEPRECATION_MESSAGE) unless(@options[:signature_encryptor] == "none")
+           return
+        end
+
+        sha_encryptor = case @options[:signature_encryptor]
+                        when 'sha256'
+                          Digest::SHA256
+                        when 'sha512'
+                          Digest::SHA512
+                        else
+                          Digest::SHA1
+                        end
+
+        string_to_digest = if @options[:signature_encryptor]
+          parameters.sort { |a, b| a[0].upcase <=> b[0].upcase }.map { |k, v| "#{k.upcase}=#{v}" }.join(@options[:signature])
+        else
+          %w[orderID amount currency CARDNO PSPID Operation ALIAS].map { |key| parameters[key] }.join
+        end
+        string_to_digest << @options[:signature]
+
+        add_pair parameters, 'SHASign', sha_encryptor.hexdigest(string_to_digest).upcase
+      end
+
+      def add_pair(post, key, value)
+        post[key] = value if !value.blank?
+      end
+
+      def convert_attributes_to_hash(rexml_attributes)
+        response_hash = {}
+        rexml_attributes.each do |key, value|
+          response_hash[key] = value
+        end
+        response_hash
+      end
+    end
+
+    class OgoneResponse < Response
+      def order_id
+        @params['orderID']
+      end
+
+      def billing_id
+        @params['ALIAS']
+      end
+    end
+  end
+end

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

@@ -0,0 +1,277 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class OptimalPaymentGateway < Gateway
+      self.test_url = 'https://webservices.test.optimalpayments.com/creditcardWS/CreditCardServlet/v1'
+      self.live_url = 'https://webservices.optimalpayments.com/creditcardWS/CreditCardServlet/v1'
+
+      # The countries the gateway supports merchants from as 2 digit ISO country codes
+      self.supported_countries = ['CA', 'US', 'GB']
+
+      # The card types supported by the payment gateway
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover, :diners_club, :solo] # :switch?
+
+      # The homepage URL of the gateway
+      self.homepage_url = 'http://www.optimalpayments.com/'
+
+      # The name of the gateway
+      self.display_name = 'Optimal Payments'
+
+      def initialize(options = {})
+        #requires!(options, :login, :password)
+        @options = options
+        super
+      end
+
+      def authorize(money, card_or_auth, options = {})
+        parse_card_or_auth(card_or_auth, options)
+        commit("cc#{@stored_data}Authorize", money, options)
+      end
+      alias stored_authorize authorize # back-compat
+
+      def purchase(money, card_or_auth, options = {})
+        parse_card_or_auth(card_or_auth, options)
+        commit("cc#{@stored_data}Purchase", money, options)
+      end
+      alias stored_purchase purchase # back-compat
+
+      def refund(money, authorization, options = {})
+        options[:confirmationNumber] = authorization
+        commit('ccCredit', money, options)
+      end
+
+      def void(authorization, options = {})
+        options[:confirmationNumber] = authorization
+        commit('ccAuthorizeReversal', nil, options)
+      end
+
+      def capture(money, authorization, options = {})
+        options[:confirmationNumber] = authorization
+        commit('ccSettlement', money, options)
+      end
+
+      def test?
+        super || @options[:test]
+      end
+
+    private
+
+      def parse_card_or_auth(card_or_auth, options)
+        if card_or_auth.respond_to?(:number)
+          @credit_card = card_or_auth
+          @stored_data = ""
+        else
+          options[:confirmationNumber] = card_or_auth
+          @stored_data = "StoredData"
+        end
+      end
+
+      def parse(body)
+        REXML::Document.new(body || '')
+      end
+
+      def commit(action, money, post)
+        post[:order_id] ||= 'order_id'
+
+        xml = case action
+        when 'ccAuthorize', 'ccPurchase', 'ccVerification'
+          cc_auth_request(money, post)
+        when 'ccCredit', 'ccSettlement'
+          cc_post_auth_request(money, post)
+        when 'ccStoredDataAuthorize', 'ccStoredDataPurchase'
+          cc_stored_data_request(money, post)
+        when 'ccAuthorizeReversal'
+          cc_auth_reversal_request(post)
+        #when 'ccCancelSettle', 'ccCancelCredit', 'ccCancelPayment'
+        #  cc_cancel_request(money, post)
+        #when 'ccPayment'
+        #  cc_payment_request(money, post)
+        #when 'ccAuthenticate'
+        #  cc_authenticate_request(money, post)
+        else
+          raise 'Unknown Action'
+        end
+        txnRequest = URI.encode(xml)
+        response = parse(ssl_post(test? ? self.test_url : self.live_url, "txnMode=#{action}&txnRequest=#{txnRequest}"))
+
+        Response.new(successful?(response), message_from(response), hash_from_xml(response),
+          :test          => test?,
+          :authorization => authorization_from(response)
+        )
+      end
+
+      def successful?(response)
+        REXML::XPath.first(response, '//decision').text == 'ACCEPTED' rescue false
+      end
+
+      def message_from(response)
+        REXML::XPath.each(response, '//detail') do |detail|
+          if detail.is_a?(REXML::Element) && detail.elements['tag'].text == 'InternalResponseDescription'
+            return detail.elements['value'].text
+          end
+        end
+        nil
+      end
+
+      def authorization_from(response)
+        REXML::XPath.first(response, '//confirmationNumber').text rescue nil
+      end
+
+      def hash_from_xml(response)
+        hsh = {}
+        %w(confirmationNumber authCode
+           decision code description
+           actionCode avsResponse cvdResponse
+           txnTime duplicateFound
+        ).each do |tag|
+          node = REXML::XPath.first(response, "//#{tag}")
+          hsh[tag] = node.text if node
+        end
+        REXML::XPath.each(response, '//detail') do |detail|
+          next unless detail.is_a?(REXML::Element)
+          tag = detail.elements['tag'].text
+          value = detail.elements['value'].text
+          hsh[tag] = value
+        end
+        hsh
+      end
+
+      def xml_document(root_tag)
+        xml = Builder::XmlMarkup.new :indent => 2
+        xml.tag!(root_tag, schema) do
+          yield xml
+        end
+        xml.target!
+      end
+
+      def cc_auth_request(money, opts)
+        xml_document('ccAuthRequestV1') do |xml|
+          build_merchant_account(xml, @options)
+          xml.merchantRefNum opts[:order_id]
+          xml.amount(money/100.0)
+          build_card(xml, opts)
+          build_billing_details(xml, opts)
+        end
+      end
+
+      def cc_auth_reversal_request(opts)
+        xml_document('ccAuthReversalRequestV1') do |xml|
+          build_merchant_account(xml, @options)
+          xml.confirmationNumber opts[:confirmationNumber]
+          xml.merchantRefNum opts[:order_id]
+        end
+      end
+
+      def cc_post_auth_request(money, opts)
+        xml_document('ccPostAuthRequestV1') do |xml|
+          build_merchant_account(xml, @options)
+          xml.confirmationNumber opts[:confirmationNumber]
+          xml.merchantRefNum opts[:order_id]
+          xml.amount(money/100.0)
+        end
+      end
+
+      def cc_stored_data_request(money, opts)
+        xml_document('ccStoredDataRequestV1') do |xml|
+          build_merchant_account(xml, @options)
+          xml.merchantRefNum opts[:order_id]
+          xml.confirmationNumber opts[:confirmationNumber]
+          xml.amount(money/100.0)
+        end
+      end
+
+      # untested
+      #
+      # def cc_cancel_request(opts)
+      #   xml_document('ccCancelRequestV1') do |xml|
+      #     build_merchant_account(xml, @options)
+      #     xml.confirmationNumber opts[:confirmationNumber]
+      #   end
+      # end
+      #
+      # def cc_payment_request(money, opts)
+      #   xml_document('ccPaymentRequestV1') do |xml|
+      #     build_merchant_account(xml, @options)
+      #     xml.merchantRefNum opts[:order_id]
+      #     xml.amount(money/100.0)
+      #     build_card(xml, opts)
+      #     build_billing_details(xml, opts)
+      #   end
+      # end
+      #
+      # def cc_authenticate_request(opts)
+      #   xml_document('ccAuthenticateRequestV1') do |xml|
+      #     build_merchant_account(xml, @options)
+      #     xml.confirmationNumber opts[:confirmationNumber]
+      #     xml.paymentResponse 'myPaymentResponse'
+      #   end
+      # end
+
+      def schema
+        { 'xmlns' => 'http://www.optimalpayments.com/creditcard/xmlschema/v1',
+          'xmlns:xsi' => 'http://www.w3.org/2001/XMLSchema-instance',
+          'xsi:schemaLocation' => 'http://www.optimalpayments.com/creditcard/xmlschema/v1'
+        }
+      end
+
+      def build_merchant_account(xml, opts)
+        xml.tag! 'merchantAccount' do
+          xml.tag! 'accountNum' , opts[:account]
+          xml.tag! 'storeID'    , opts[:login]
+          xml.tag! 'storePwd'   , opts[:password]
+        end
+      end
+
+      def build_card(xml, opts)
+        xml.tag! 'card' do
+          xml.tag! 'cardNum'      , @credit_card.number
+          xml.tag! 'cardExpiry' do
+            xml.tag! 'month'      , @credit_card.month
+            xml.tag! 'year'       , @credit_card.year
+          end
+          if brand = card_type(@credit_card.brand)
+            xml.tag! 'cardType'     , brand
+          end
+          if @credit_card.verification_value
+            xml.tag! 'cvdIndicator' , '1' # Value Provided
+            xml.tag! 'cvd'          , @credit_card.verification_value
+          end
+        end
+      end
+
+      def build_billing_details(xml, opts)
+        xml.tag! 'billingDetails' do
+          addr = opts[:billing_address]
+          xml.tag! 'cardPayMethod', 'WEB'
+          if addr[:name]
+            xml.tag! 'firstName', CGI.escape(addr[:name].split(' ').first) # TODO: parse properly
+            xml.tag! 'lastName' , CGI.escape(addr[:name].split(' ').last )
+          end
+          xml.tag! 'street' , CGI.escape(addr[:address1]) if addr[:address1].present?
+          xml.tag! 'street2', CGI.escape(addr[:address2]) if addr[:address2].present?
+          xml.tag! 'city'   , CGI.escape(addr[:city]    ) if addr[:city].present?
+          if addr[:state].present?
+            state_tag = %w(US CA).include?(addr[:country]) ? 'state' : 'region'
+            xml.tag! state_tag, CGI.escape(addr[:state])
+          end
+          xml.tag! 'country', CGI.escape(addr[:country] ) if addr[:country].present?
+          xml.tag! 'zip'    , CGI.escape(addr[:zip]     ) # this one's actually required
+          xml.tag! 'phone'  , CGI.escape(addr[:phone]   ) if addr[:phone].present?
+          #xml.tag! 'email'        , ''
+        end
+      end
+
+      def card_type(key)
+        { 'visa'            => 'VI',
+          'master'          => 'MC',
+          'american_express'=> 'AM',
+          'discover'        => 'DI',
+          'diners_club'     => 'DC',
+          #'switch'          => '',
+          'solo'            => 'SO'
+        }[key]
+      end
+
+    end
+  end
+end
+