activemerchant 1.120.0 → 1.125.0

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

@@ -0,0 +1,193 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class WompiGateway < Gateway
+      self.test_url = 'https://sync.sandbox.wompi.co/v1'
+      self.live_url = 'https://sync.production.wompi.co/v1'
+
+      self.supported_countries = ['CO']
+      self.default_currency = 'COP'
+      self.supported_cardtypes = %i[visa master american_express]
+
+      self.homepage_url = 'https://wompi.co/'
+      self.display_name = 'Wompi'
+
+      self.money_format = :cents
+
+      def initialize(options = {})
+        ## Sandbox keys have prefix pub_test_ and prv_test_
+        ## Production keys have prefix pub_prod_ and prv_prod_
+        begin
+          requires!(options, :prod_private_key, :prod_public_key)
+        rescue ArgumentError
+          begin
+            requires!(options, :test_private_key, :test_public_key)
+          rescue ArgumentError
+            raise ArgumentError, 'Gateway requires both test_private_key and test_public_key, or both prod_private_key and prod_public_key'
+          end
+        end
+        super
+      end
+
+      def purchase(money, payment, options = {})
+        post = {
+          reference: options[:reference] || generate_reference,
+          public_key: public_key
+        }
+        add_invoice(post, money, options)
+        add_card(post, payment, options)
+
+        commit('sale', post, '/transactions_sync')
+      end
+
+      def authorize(money, payment, options = {})
+        post = {
+          public_key: public_key,
+          type: 'CARD',
+          financial_operation: 'PREAUTHORIZATION'
+        }
+        add_auth_params(post, money, payment, options)
+
+        commit('authorize', post, '/payment_sources_sync')
+      end
+
+      def capture(money, authorization, options = {})
+        post = {
+          reference: options[:reference] || generate_reference,
+          public_key: public_key,
+          payment_source_id: authorization.to_i
+        }
+        add_invoice(post, money, options)
+        commit('capture', post, '/transactions_sync')
+      end
+
+      def refund(money, authorization, options = {})
+        post = { amount_in_cents: amount(money).to_i, transaction_id: authorization.to_s }
+        commit('refund', post, '/refunds_sync')
+      end
+
+      def void(authorization, options = {})
+        commit('void', {}, "/transactions/#{authorization}/void_sync")
+      end
+
+      def supports_scrubbing?
+        true
+      end
+
+      def scrub(transcript)
+        transcript.gsub(/(Bearer )\w+/, '\1[REDACTED]').
+          gsub(/(\\\"number\\\":\\\")\d+/, '\1[REDACTED]').
+          gsub(/(\\\"cvc\\\":\\\")\d+/, '\1[REDACTED]').
+          gsub(/(\\\"phone_number\\\":\\\")\+?\d+/, '\1[REDACTED]').
+          gsub(/(\\\"email\\\":\\\")\S+\\\",/, '\1[REDACTED]\",').
+          gsub(/(\\\"legal_id\\\":\\\")\d+/, '\1[REDACTED]')
+      end
+
+      private
+
+      def headers
+        {
+          'Authorization' => "Bearer #{private_key}",
+          'Content-Type' => 'application/json'
+        }
+      end
+
+      def generate_reference
+        SecureRandom.alphanumeric(12)
+      end
+
+      def private_key
+        test? ? options[:test_private_key] : options[:prod_private_key]
+      end
+
+      def public_key
+        test? ? options[:test_public_key] : options[:prod_public_key]
+      end
+
+      def add_invoice(post, money, options)
+        post[:amount_in_cents] = amount(money).to_i
+        post[:currency] = (options[:currency] || currency(money))
+      end
+
+      def add_card(post, card, options)
+        payment_method = {
+          type: 'CARD'
+        }
+        add_basic_card_info(payment_method, card, options)
+        post[:payment_method] = payment_method
+      end
+
+      def add_auth_params(post, money, card, options)
+        data = {
+          amount_in_cents: amount(money).to_i,
+          currency: (options[:currency] || currency(money))
+        }
+        add_basic_card_info(data, card, options)
+        post[:data] = data
+      end
+
+      def add_basic_card_info(post, card, options)
+        installments = options[:installments] ? options[:installments].to_i : 1
+        cvc = card.verification_value || nil
+
+        post[:number] = card.number
+        post[:exp_month] = card.month.to_s.rjust(2, '0')
+        post[:exp_year] = card.year.to_s[2..3]
+        post[:installments] = installments
+        post[:card_holder] = card.name
+        post[:cvc] = cvc if cvc && !cvc.empty?
+      end
+
+      def parse(body)
+        JSON.parse(body)
+      end
+
+      def commit(action, parameters, endpoint)
+        url = (test? ? test_url : live_url) + endpoint
+        response = parse(ssl_post(url, post_data(action, parameters), headers))
+        Response.new(
+          success_from(response),
+          message_from(response),
+          response,
+          authorization: authorization_from(response),
+          avs_result: nil,
+          cvv_result: nil,
+          test: test?,
+          error_code: error_code_from(response)
+        )
+      end
+
+      def handle_response(response)
+        case response.code.to_i
+        when 200...300, 401, 404, 422
+          response.body
+        else
+          raise ResponseError.new(response)
+        end
+      end
+
+      def success_from(response)
+        success_statuses.include? response.dig('data', 'status')
+      end
+
+      def success_statuses
+        %w(APPROVED AVAILABLE)
+      end
+
+      def message_from(response)
+        response.dig('data', 'status_message') || response.dig('error', 'reason') || response.dig('error', 'messages').to_json
+      end
+
+      def authorization_from(response)
+        response.dig('data', 'transaction_id') || response.dig('data', 'id') || response.dig('data', 'transaction', 'id')
+      end
+
+      def post_data(action, parameters = {})
+        parameters.to_json
+      end
+
+      def error_code_from(response)
+        response.dig('error', 'type') unless success_from(response)
+      end
+    end
+  end
+end

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

@@ -8,13 +8,26 @@ module ActiveMerchant #:nodoc:
 
       self.default_currency = 'GBP'
       self.money_format = :cents
-      self.supported_countries = %w(HK GB AU AD AR BE BR CA CH CN CO CR CY CZ DE DK ES FI FR GI GR HU IE IN IT JP LI LU MC MT MY MX NL NO NZ PA PE PL PT SE SG SI SM TR UM VA)
+      self.supported_countries = %w(AD AE AG AI AL AM AO AR AS AT AU AW AX AZ BA BB BD BE BF BG BH BI BJ BM BN BO BR BS BT BW
+                                    BY BZ CA CC CF CH CK CL CM CN CO CR CV CX CY CZ DE DJ DK DO DZ EC EE EG EH ES ET FI FJ FK
+                                    FM FO FR GA GB GD GE GF GG GH GI GL GM GN GP GQ GR GT GU GW GY HK HM HN HR HT HU ID IE IL
+                                    IM IN IO IS IT JE JM JO JP KE KG KH KI KM KN KR KW KY KZ LA LC LI LK LS LT LU LV MA MC MD
+                                    ME MG MH MK ML MN MO MP MQ MR MS MT MU MV MW MX MY MZ NA NC NE NF NG NI NL NO NP NR NU NZ
+                                    OM PA PE PF PH PK PL PN PR PT PW PY QA RE RO RS RU RW SA SB SC SE SG SI SK SL SM SN ST SV
+                                    SZ TC TD TF TG TH TJ TK TM TO TR TT TV TW TZ UA UG US UY UZ VA VC VE VI VN VU WF WS YE YT
+                                    ZA ZM)
       self.supported_cardtypes = %i[visa master american_express discover jcb maestro elo naranja cabal unionpay]
-      self.currencies_without_fractions = %w(HUF IDR ISK JPY KRW)
-      self.currencies_with_three_decimal_places = %w(BHD KWD OMR RSD TND)
+      self.currencies_without_fractions = %w(HUF IDR JPY KRW BEF XOF XAF XPF GRD GNF ITL LUF MGA MGF PYG PTE RWF ESP TRL VND KMF)
+      self.currencies_with_three_decimal_places = %w(BHD KWD OMR TND LYD JOD IQD)
       self.homepage_url = 'http://www.worldpay.com/'
       self.display_name = 'Worldpay Global'
 
+      NETWORK_TOKEN_TYPE = {
+        apple_pay: 'APPLEPAY',
+        google_pay: 'GOOGLEPAY',
+        network_token: 'NETWORKTOKEN'
+      }
+
       CARD_CODES = {
         'visa'             => 'VISA-SSL',
         'master'           => 'ECMC-SSL',
@@ -64,7 +77,7 @@ module ActiveMerchant #:nodoc:
 
       def authorize(money, payment_method, options = {})
         requires!(options, :order_id)
-        payment_details = payment_details_from(payment_method)
+        payment_details = payment_details(payment_method)
         authorize_request(money, payment_method, payment_details.merge(options))
       end
 
@@ -110,13 +123,18 @@ module ActiveMerchant #:nodoc:
       #   and other transactions should be performed on a normal eCom-flagged
       #   merchant ID.
       def credit(money, payment_method, options = {})
-        payment_details = payment_details_from(payment_method)
-        credit_request(money, payment_method, payment_details.merge(credit: true, **options))
+        payment_details = payment_details(payment_method)
+        if options[:fast_fund_credit]
+          fast_fund_credit_request(money, payment_method, payment_details.merge(credit: true, **options))
+        else
+          credit_request(money, payment_method, payment_details.merge(credit: true, **options))
+        end
       end
 
       def verify(payment_method, options = {})
+        amount = (eligible_for_0_auth?(payment_method, options) ? 0 : 100)
         MultiResponse.run(:use_first_response) do |r|
-          r.process { authorize(100, payment_method, options) }
+          r.process { authorize(amount, payment_method, options) }
           r.process(:ignore_result) { void(r.authorization, options.merge(authorization_validated: true)) }
         end
       end
@@ -130,17 +148,23 @@ module ActiveMerchant #:nodoc:
         true
       end
 
+      def supports_network_tokenization?
+        true
+      end
+
       def scrub(transcript)
         transcript.
           gsub(%r((Authorization: Basic )\w+), '\1[FILTERED]').
           gsub(%r((<cardNumber>)\d+(</cardNumber>)), '\1[FILTERED]\2').
-          gsub(%r((<cvc>)[^<]+(</cvc>)), '\1[FILTERED]\2')
+          gsub(%r((<cvc>)[^<]+(</cvc>)), '\1[FILTERED]\2').
+          gsub(%r((<tokenNumber>)\d+(</tokenNumber>)), '\1[FILTERED]\2').
+          gsub(%r((<cryptogram>)[^<]+(</cryptogram>)), '\1[FILTERED]\2')
       end
 
       private
 
       def authorize_request(money, payment_method, options)
-        commit('authorize', build_authorization_request(money, payment_method, options), 'AUTHORISED', options)
+        commit('authorize', build_authorization_request(money, payment_method, options), 'AUTHORISED', 'CAPTURED', options)
       end
 
       def capture_request(money, authorization, options)
@@ -163,6 +187,10 @@ module ActiveMerchant #:nodoc:
         commit('credit', build_authorization_request(money, payment_method, options), :ok, 'SENT_FOR_REFUND', options)
       end
 
+      def fast_fund_credit_request(money, payment_method, options)
+        commit('fast_credit', build_fast_fund_credit_request(money, payment_method, options), :ok, 'PUSH_APPROVED', options)
+      end
+
       def store_request(credit_card, options)
         commit('store', build_store_request(credit_card, options), options)
       end
@@ -201,15 +229,12 @@ module ActiveMerchant #:nodoc:
             xml.order order_tag_attributes(options) do
               xml.description(options[:description].blank? ? 'Purchase' : options[:description])
               add_amount(xml, money, options)
-              if options[:order_content]
-                xml.orderContent do
-                  xml.cdata! options[:order_content]
-                end
-              end
+              add_order_content(xml, options)
               add_payment_method(xml, money, payment_method, options)
               add_shopper(xml, options)
               add_statement_narrative(xml, options)
               add_risk_data(xml, options[:risk_data]) if options[:risk_data]
+              add_sub_merchant_data(xml, options[:sub_merchant_data]) if options[:sub_merchant_data]
               add_hcg_additional_data(xml, options) if options[:hcg_additional_data]
               add_instalments_data(xml, options) if options[:instalments]
               add_moto_flag(xml, options) if options.dig(:metadata, :manual_entry)
@@ -221,7 +246,19 @@ module ActiveMerchant #:nodoc:
       end
 
       def order_tag_attributes(options)
-        { 'orderCode' => options[:order_id], 'installationId' => options[:inst_id] || @options[:inst_id] }.reject { |_, v| !v.present? }
+        { 'orderCode' => clean_order_id(options[:order_id]), 'installationId' => options[:inst_id] || @options[:inst_id] }.reject { |_, v| !v.present? }
+      end
+
+      def clean_order_id(order_id)
+        order_id.to_s.gsub(/(\s|\||<|>|'|")/, '')[0..64]
+      end
+
+      def add_order_content(xml, options)
+        return unless options[:order_content]
+
+        xml.orderContent do
+          xml.cdata! options[:order_content]
+        end
       end
 
       def build_capture_request(money, authorization, options)
@@ -235,7 +272,11 @@ module ActiveMerchant #:nodoc:
       end
 
       def build_void_request(authorization, options)
-        build_order_modify_request(authorization, &:cancel)
+        if options[:cancel_or_refund]
+          build_order_modify_request(authorization, &:cancelOrRefund)
+        else
+          build_order_modify_request(authorization, &:cancel)
+        end
       end
 
       def build_refund_request(money, authorization, options)
@@ -262,11 +303,69 @@ module ActiveMerchant #:nodoc:
                   add_card(xml, credit_card, options)
                 end
               end
+              add_transaction_identifier(xml, options) if network_transaction_id(options)
+            end
+          end
+        end
+      end
+
+      def network_transaction_id(options)
+        options[:stored_credential_transaction_id] || options.dig(:stored_credential, :network_transaction_id)
+      end
+
+      def add_transaction_identifier(xml, options)
+        xml.storedCredentials 'usage' => 'FIRST' do
+          xml.schemeTransactionIdentifier network_transaction_id(options)
+        end
+      end
+
+      def build_fast_fund_credit_request(money, payment_method, options)
+        build_request do |xml|
+          xml.submit do
+            xml.order order_tag_attributes(options) do
+              xml.description(options[:description].blank? ? 'Fast Fund Credit' : options[:description])
+              add_amount(xml, money, options)
+              add_order_content(xml, options)
+              add_payment_details_for_ff_credit(xml, payment_method, options)
+              add_shopper_id(xml, options)
+            end
+          end
+        end
+      end
+
+      def add_payment_details_for_ff_credit(xml, payment_method, options)
+        xml.paymentDetails do
+          xml.tag! 'FF_DISBURSE-SSL' do
+            if payment_method.is_a?(CreditCard)
+              add_card_for_ff_credit(xml, payment_method, options)
+            else
+              add_token_for_ff_credit(xml, payment_method, options)
+            end
+          end
+        end
+      end
+
+      def add_card_for_ff_credit(xml, payment_method, options)
+        xml.recipient do
+          xml.paymentInstrument do
+            xml.cardDetails do
+              add_card(xml, payment_method, options)
             end
           end
         end
       end
 
+      def add_token_for_ff_credit(xml, payment_method, options)
+        return unless payment_method.is_a?(String)
+
+        token_details = token_details_from_authorization(payment_method)
+
+        xml.tag! 'recipient', 'tokenScope' => token_details[:token_scope] do
+          xml.paymentTokenID token_details[:token_id]
+          add_authenticated_shopper_id(xml, token_details)
+        end
+      end
+
       def add_additional_3ds_data(xml, options)
         additional_data = { 'dfReferenceId' => options[:session_id] }
         additional_data['challengeWindowSize'] = options[:browser_size] if options[:browser_size]
@@ -305,6 +404,20 @@ module ActiveMerchant #:nodoc:
         end
       end
 
+      def add_sub_merchant_data(xml, options)
+        xml.subMerchantData do
+          xml.pfId options[:pf_id] if options[:pf_id]
+          xml.subName options[:sub_name] if options[:sub_name]
+          xml.subId options[:sub_id] if options[:sub_id]
+          xml.subStreet options[:sub_street] if options[:sub_street]
+          xml.subCity options[:sub_city] if options[:sub_city]
+          xml.subState options[:sub_state] if options[:sub_state]
+          xml.subCountryCode options[:sub_country_code] if options[:sub_country_code]
+          xml.subPostalCode options[:sub_postal_code] if options[:sub_postal_code]
+          xml.subTaxId options[:sub_tax_id] if options[:sub_tax_id]
+        end
+      end
+
       def add_shopper_account_risk_data(xml, shopper_account_risk_data)
         return unless shopper_account_risk_data
 
@@ -379,46 +492,89 @@ module ActiveMerchant #:nodoc:
       end
 
       def add_payment_method(xml, amount, payment_method, options)
-        if options[:payment_type] == :pay_as_order
-          if options[:merchant_code]
-            xml.payAsOrder 'orderCode' => payment_method, 'merchantCode' => options[:merchant_code] do
-              add_amount(xml, amount, options)
-            end
-          else
-            xml.payAsOrder 'orderCode' => payment_method do
-              add_amount(xml, amount, options)
-            end
+        case options[:payment_type]
+        when :pay_as_order
+          add_amount_for_pay_as_order(xml, amount, payment_method, options)
+        when :network_token
+          add_network_tokenization_card(xml, payment_method)
+        else
+          add_card_or_token(xml, payment_method, options)
+        end
+      end
+
+      def add_amount_for_pay_as_order(xml, amount, payment_method, options)
+        if options[:merchant_code]
+          xml.payAsOrder 'orderCode' => payment_method, 'merchantCode' => options[:merchant_code] do
+            add_amount(xml, amount, options)
           end
         else
-          xml.paymentDetails credit_fund_transfer_attribute(options) do
-            if options[:payment_type] == :token
-              xml.tag! 'TOKEN-SSL', 'tokenScope' => options[:token_scope] do
-                xml.paymentTokenID options[:token_id]
-              end
-            else
-              xml.tag! card_code_for(payment_method) do
-                add_card(xml, payment_method, options)
-              end
-            end
-            add_stored_credential_options(xml, options)
-            if options[:ip] && options[:session_id]
-              xml.session 'shopperIPAddress' => options[:ip], 'id' => options[:session_id]
-            else
-              xml.session 'shopperIPAddress' => options[:ip] if options[:ip]
-              xml.session 'id' => options[:session_id] if options[:session_id]
-            end
+          xml.payAsOrder 'orderCode' => payment_method do
+            add_amount(xml, amount, options)
+          end
+        end
+      end
+
+      def add_network_tokenization_card(xml, payment_method)
+        token_type = NETWORK_TOKEN_TYPE.fetch(payment_method.source, 'NETWORKTOKEN')
 
-            if three_d_secure = options[:three_d_secure]
-              add_three_d_secure(three_d_secure, xml)
+        xml.paymentDetails do
+          xml.tag! 'EMVCO_TOKEN-SSL', 'type' => token_type do
+            xml.tokenNumber payment_method.number
+            xml.expiryDate do
+              xml.date(
+                'month' => format(payment_method.month, :two_digits),
+                'year' => format(payment_method.year, :four_digits_year)
+              )
             end
+            name = card_holder_name(payment_method, options)
+            eci = format(payment_method.eci, :two_digits)
+            xml.cardHolderName name if name.present?
+            xml.cryptogram payment_method.payment_cryptogram
+            xml.eciIndicator eci.empty? ? '07' : eci
+          end
+        end
+      end
+
+      def add_card_or_token(xml, payment_method, options)
+        xml.paymentDetails credit_fund_transfer_attribute(options) do
+          if options[:payment_type] == :token
+            add_token_details(xml, options)
+          else
+            add_card_details(xml, payment_method, options)
           end
+          add_stored_credential_options(xml, options)
+          add_shopper_id(xml, options)
+          add_three_d_secure(xml, options)
+        end
+      end
+
+      def add_token_details(xml, options)
+        xml.tag! 'TOKEN-SSL', 'tokenScope' => options[:token_scope] do
+          xml.paymentTokenID options[:token_id]
+        end
+      end
+
+      def add_card_details(xml, payment_method, options)
+        xml.tag! card_code_for(payment_method) do
+          add_card(xml, payment_method, options)
+        end
+      end
+
+      def add_shopper_id(xml, options)
+        if options[:ip] && options[:session_id]
+          xml.session 'shopperIPAddress' => options[:ip], 'id' => options[:session_id]
+        else
+          xml.session 'shopperIPAddress' => options[:ip] if options[:ip]
+          xml.session 'id' => options[:session_id] if options[:session_id]
         end
       end
 
-      def add_three_d_secure(three_d_secure, xml)
+      def add_three_d_secure(xml, options)
+        return unless three_d_secure = options[:three_d_secure]
+
         xml.info3DSecure do
           xml.threeDSVersion three_d_secure[:version]
-          if /^2/.match?(three_d_secure[:version])
+          if three_d_secure[:version] && three_d_secure[:ds_transaction_id]
             xml.dsTransactionId three_d_secure[:ds_transaction_id]
           else
             xml.xid three_d_secure[:xid]
@@ -433,12 +589,10 @@ module ActiveMerchant #:nodoc:
         xml.expiryDate do
           xml.date(
             'month' => format(payment_method.month, :two_digits),
-            'year' => format(payment_method.year, :four_digits)
+            'year' => format(payment_method.year, :four_digits_year)
           )
         end
-
-        card_holder_name = test? && options[:execute_threed] && !options[:three_ds_version]&.start_with?('2') ? '3D' : payment_method.name
-        xml.cardHolderName card_holder_name
+        xml.cardHolderName card_holder_name(payment_method, options)
         xml.cvc payment_method.verification_value
 
         add_address(xml, (options[:billing_address] || options[:address]), options)
@@ -600,6 +754,7 @@ module ActiveMerchant #:nodoc:
       def commit(action, request, *success_criteria, options)
         xml = ssl_post(url, request, headers(options))
         raw = parse(action, xml)
+
         if options[:execute_threed]
           raw[:cookie] = @cookie if defined?(@cookie)
           raw[:session_id] = options[:session_id]
@@ -728,21 +883,22 @@ module ActiveMerchant #:nodoc:
         token_details
       end
 
-      def payment_details_from(payment_method)
-        payment_details = {}
-        if payment_method.respond_to?(:number)
-          payment_details[:payment_type] = :credit
+      def payment_details(payment_method)
+        case payment_method
+        when String
+          token_type_and_details(payment_method)
+        when NetworkTokenizationCreditCard
+          { payment_type: :network_token }
         else
-          token_details = token_details_from_authorization(payment_method)
-          payment_details.merge!(token_details)
-          if token_details.has_key?(:token_id)
-            payment_details[:payment_type] = :token
-          else
-            payment_details[:payment_type] = :pay_as_order
-          end
+          { payment_type: :credit }
         end
+      end
 
-        payment_details
+      def token_type_and_details(token)
+        token_details = token_details_from_authorization(token)
+        token_details[:payment_type] = token_details.has_key?(:token_id) ? :token : :pay_as_order
+
+        token_details
       end
 
       def credit_fund_transfer_attribute(options)
@@ -766,6 +922,14 @@ module ActiveMerchant #:nodoc:
       def card_code_for(payment_method)
         CARD_CODES[card_brand(payment_method)] || CARD_CODES['unknown']
       end
+
+      def eligible_for_0_auth?(payment_method, options = {})
+        payment_method.is_a?(CreditCard) && %w(visa master).include?(payment_method.brand) && options[:zero_dollar_auth]
+      end
+
+      def card_holder_name(payment_method, options)
+        test? && options[:execute_threed] && !options[:three_ds_version]&.start_with?('2') ? '3D' : payment_method.name
+      end
     end
   end
 end

data/lib/active_merchant/billing/network_tokenization_credit_card.rb

@@ -14,7 +14,7 @@ module ActiveMerchant #:nodoc:
       self.require_verification_value = false
       self.require_name = false
 
-      attr_accessor :payment_cryptogram, :eci, :transaction_id
+      attr_accessor :payment_cryptogram, :eci, :transaction_id, :metadata
       attr_writer :source
 
       SOURCES = %i(apple_pay android_pay google_pay network_token)

data/lib/active_merchant/billing/response.rb

@@ -10,6 +10,10 @@ module ActiveMerchant #:nodoc:
         @success
       end
 
+      def failure?
+        !success?
+      end
+
       def test?
         @test
       end

data/lib/active_merchant/billing/three_d_secure_eci_mapper.rb

@@ -0,0 +1,27 @@
+module ActiveMerchant
+  module Billing
+    module ThreeDSecureEciMapper
+      NON_THREE_D_SECURE_TRANSACTION = :non_three_d_secure_transaction
+      ATTEMPTED_AUTHENTICATION_TRANSACTION = :attempted_authentication_transaction
+      FULLY_AUTHENTICATED_TRANSACTION = :fully_authenticated_transaction
+
+      ECI_00_01_02_MAP = { '00' => NON_THREE_D_SECURE_TRANSACTION, '01' => ATTEMPTED_AUTHENTICATION_TRANSACTION, '02' => FULLY_AUTHENTICATED_TRANSACTION }.freeze
+      ECI_05_06_07_MAP = { '05' => FULLY_AUTHENTICATED_TRANSACTION, '06' => ATTEMPTED_AUTHENTICATION_TRANSACTION, '07' => NON_THREE_D_SECURE_TRANSACTION }.freeze
+      BRAND_TO_ECI_MAP = {
+        american_express: ECI_05_06_07_MAP,
+        dankort: ECI_05_06_07_MAP,
+        diners_club: ECI_05_06_07_MAP,
+        discover: ECI_05_06_07_MAP,
+        elo: ECI_05_06_07_MAP,
+        jcb: ECI_05_06_07_MAP,
+        maestro: ECI_00_01_02_MAP,
+        master: ECI_00_01_02_MAP,
+        visa: ECI_05_06_07_MAP
+      }.freeze
+
+      def self.map(brand, eci)
+        BRAND_TO_ECI_MAP.dig(brand, eci)
+      end
+    end
+  end
+end

data/lib/active_merchant/billing.rb

@@ -13,3 +13,4 @@ require 'active_merchant/billing/apple_pay_payment_token'
 require 'active_merchant/billing/response'
 require 'active_merchant/billing/gateways'
 require 'active_merchant/billing/gateway'
+require 'active_merchant/billing/three_d_secure_eci_mapper'

data/lib/active_merchant/version.rb

@@ -1,3 +1,3 @@
 module ActiveMerchant
-  VERSION = '1.120.0'
+  VERSION = '1.125.0'
 end