activemerchant 1.133.0 → 1.137.0

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

@@ -4,7 +4,14 @@ module ActiveMerchant #:nodoc:
       self.test_url = 'https://checkout.rch.how/'
       self.live_url = 'https://checkout.rch.io/'
 
-      self.supported_countries = ['US']
+      self.supported_countries = %w(AE AG AL AM AT AU AW AZ BA BB BD BE BF BG BH BJ BM BN BO BR BS BW BZ CA CD CF
+                                    CH CI CL CM CN CO CR CU CV CY CZ DE DJ DK DM DO DZ EE EG ES ET FI FJ FK FR GA
+                                    GB GD GE GG GH GI GN GR GT GU GW GY HK HN HR HU ID IE IL IM IN IS IT JE JM JO
+                                    JP KE KG KH KM KN KR KW KY KZ LA LC LK LR LT LU LV LY MA MD MK ML MN MO MR MS
+                                    MT MU MV MW MX MY MZ NA NC NE NG NI NL NO NP NZ OM PA PE PF PG PH PK PL PT PY
+                                    QA RO RS RW SA SB SC SE SG SH SI SK SL SN SO SR ST SV SY SZ TD TG TH TN TO TR
+                                    TT TV TW TZ UG US UY UZ VC VN VU WF WS YE ZM)
+
       self.default_currency = 'USD'
       self.supported_cardtypes = %i[visa diners_club american_express jcb master discover maestro]
 
@@ -71,10 +78,10 @@ module ActiveMerchant #:nodoc:
 
       def scrub(transcript)
         transcript.
-          gsub(%r(((MerchantId)[% \w]+[%]\d{2})[\w -]+), '\1[FILTERED]').
+          gsub(%r(((MerchantId)[% \w]+%\d{2})[\w -]+), '\1[FILTERED]').
           gsub(%r((signature=)[\w%]+), '\1[FILTERED]\2').
-          gsub(%r((Number%22%3A%22)[\d]+), '\1[FILTERED]\2').
-          gsub(%r((VerificationCode%22%3A)[\d]+), '\1[FILTERED]\2')
+          gsub(%r((Number%22%3A%22)\d+), '\1[FILTERED]\2').
+          gsub(%r((VerificationCode%22%3A)\d+), '\1[FILTERED]\2')
       end
 
       def refund(amount, authorization, options = {})

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

@@ -266,14 +266,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def verify(creditcard, options = {})
-        if options[:sca_exemption_behavior_override] == 'endpoint_and_ntid'
-          purchase(0, creditcard, options)
-        else
-          MultiResponse.run(:use_first_response) do |r|
-            r.process { authorize(100, creditcard, options) }
-            r.process(:ignore_result) { void(r.authorization, options) }
-          end
-        end
+        purchase(0, creditcard, options)
       end
 
       def supports_scrubbing
@@ -696,8 +689,7 @@ module ActiveMerchant #:nodoc:
 
         order_id += "\0" until order_id.bytesize % block_length == 0 # Pad with zeros
 
-        output = cipher.update(order_id) + cipher.final
-        output
+        cipher.update(order_id) + cipher.final
       end
 
       def mac256(key, data)

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

@@ -0,0 +1,507 @@
+# coding: utf-8
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # = Redsys Merchant Gateway
+    #
+    # Gateway support for the Spanish "Redsys" payment gateway system. This is
+    # used by many banks in Spain and is particularly well supported by
+    # Catalunya Caixa's ecommerce department.
+    #
+    # Redsys requires an order_id be provided with each transaction and it must
+    # follow a specific format. The rules are as follows:
+    #
+    #  * First 4 digits must be numerical
+    #  * Remaining 8 digits may be alphanumeric
+    #  * Max length: 12
+    #
+    #  If an invalid order_id is provided, we do our best to clean it up.
+    #
+    # Written by Piers Chambers (Varyonic.com)
+    #
+    # *** SHA256 Authentication Update ***
+    #
+    # Redsys has dropped support for the SHA1 authentication method.
+    # Developer documentation: https://pagosonline.redsys.es/desarrolladores.html
+    class RedsysRestGateway < Gateway
+      self.test_url = 'https://sis-t.redsys.es:25443/sis/rest/'
+      self.live_url = 'https://sis.redsys.es/sis/rest/'
+
+      self.supported_countries = ['ES']
+      self.default_currency    = 'EUR'
+      self.money_format        = :cents
+      # Not all card types may be activated by the bank!
+      self.supported_cardtypes = %i[visa master american_express jcb diners_club unionpay]
+      self.homepage_url        = 'http://www.redsys.es/'
+      self.display_name        = 'Redsys (REST)'
+
+      CURRENCY_CODES = {
+        'AED' => '784',
+        'ARS' => '32',
+        'AUD' => '36',
+        'BRL' => '986',
+        'BOB' => '68',
+        'CAD' => '124',
+        'CHF' => '756',
+        'CLP' => '152',
+        'CNY' => '156',
+        'COP' => '170',
+        'CRC' => '188',
+        'CZK' => '203',
+        'DKK' => '208',
+        'DOP' => '214',
+        'EUR' => '978',
+        'GBP' => '826',
+        'GTQ' => '320',
+        'HUF' => '348',
+        'IDR' => '360',
+        'INR' => '356',
+        'JPY' => '392',
+        'KRW' => '410',
+        'MYR' => '458',
+        'MXN' => '484',
+        'NOK' => '578',
+        'NZD' => '554',
+        'PEN' => '604',
+        'PLN' => '985',
+        'RUB' => '643',
+        'SAR' => '682',
+        'SEK' => '752',
+        'SGD' => '702',
+        'THB' => '764',
+        'TWD' => '901',
+        'USD' => '840',
+        'UYU' => '858'
+      }
+
+      THREEDS_EXEMPTIONS = {
+        corporate_card: 'COR',
+        delegated_authentication: 'ATD',
+        low_risk: 'TRA',
+        low_value: 'LWV',
+        stored_credential: 'MIT',
+        trusted_merchant: 'NDF'
+      }
+
+      # The set of supported transactions for this gateway.
+      # More operations are supported by the gateway itself, but
+      # are not supported in this library.
+      SUPPORTED_TRANSACTIONS = {
+        purchase:   '0',
+        authorize:  '1',
+        capture:    '2',
+        refund:     '3',
+        cancel:     '9',
+        verify:     '7'
+      }
+
+      # These are the text meanings sent back by the acquirer when
+      # a card has been rejected. Syntax or general request errors
+      # are not covered here.
+      RESPONSE_TEXTS = {
+        0 => 'Transaction Approved',
+        400 => 'Cancellation Accepted',
+        481 => 'Cancellation Accepted',
+        500 => 'Reconciliation Accepted',
+        900 => 'Refund / Confirmation approved',
+
+        101 => 'Card expired',
+        102 => 'Card blocked temporarily or under susciption of fraud',
+        104 => 'Transaction not permitted',
+        107 => 'Contact the card issuer',
+        109 => 'Invalid identification by merchant or POS terminal',
+        110 => 'Invalid amount',
+        114 => 'Card cannot be used to the requested transaction',
+        116 => 'Insufficient credit',
+        118 => 'Non-registered card',
+        125 => 'Card not effective',
+        129 => 'CVV2/CVC2 Error',
+        167 => 'Contact the card issuer: suspected fraud',
+        180 => 'Card out of service',
+        181 => 'Card with credit or debit restrictions',
+        182 => 'Card with credit or debit restrictions',
+        184 => 'Authentication error',
+        190 => 'Refusal with no specific reason',
+        191 => 'Expiry date incorrect',
+        195 => 'Requires SCA authentication',
+
+        201 => 'Card expired',
+        202 => 'Card blocked temporarily or under suspicion of fraud',
+        204 => 'Transaction not permitted',
+        207 => 'Contact the card issuer',
+        208 => 'Lost or stolen card',
+        209 => 'Lost or stolen card',
+        280 => 'CVV2/CVC2 Error',
+        290 => 'Declined with no specific reason',
+
+        480 => 'Original transaction not located, or time-out exceeded',
+        501 => 'Original transaction not located, or time-out exceeded',
+        502 => 'Original transaction not located, or time-out exceeded',
+        503 => 'Original transaction not located, or time-out exceeded',
+
+        904 => 'Merchant not registered at FUC',
+        909 => 'System error',
+        912 => 'Issuer not available',
+        913 => 'Duplicate transmission',
+        916 => 'Amount too low',
+        928 => 'Time-out exceeded',
+        940 => 'Transaction cancelled previously',
+        941 => 'Authorization operation already cancelled',
+        942 => 'Original authorization declined',
+        943 => 'Different details from origin transaction',
+        944 => 'Session error',
+        945 => 'Duplicate transmission',
+        946 => 'Cancellation of transaction while in progress',
+        947 => 'Duplicate tranmission while in progress',
+        949 => 'POS Inoperative',
+        950 => 'Refund not possible',
+        9064 => 'Card number incorrect',
+        9078 => 'No payment method available',
+        9093 => 'Non-existent card',
+        9218 => 'Recursive transaction in bad gateway',
+        9253 => 'Check-digit incorrect',
+        9256 => 'Preauth not allowed for merchant',
+        9257 => 'Preauth not allowed for card',
+        9261 => 'Operating limit exceeded',
+        9912 => 'Issuer not available',
+        9913 => 'Confirmation error',
+        9914 => 'KO Confirmation'
+      }
+
+      # Expected values as per documentation
+      THREE_DS_V2 = '2.1.0'
+
+      # Creates a new instance
+      #
+      # Redsys requires a login and secret_key, and optionally also accepts a
+      # non-default terminal.
+      #
+      # ==== Options
+      #
+      # * <tt>:login</tt> -- The Redsys Merchant ID (REQUIRED)
+      # * <tt>:secret_key</tt> -- The Redsys Secret Key. (REQUIRED)
+      # * <tt>:terminal</tt> -- The Redsys Terminal. Defaults to 1. (OPTIONAL)
+      # * <tt>:test</tt> -- +true+ or +false+. Defaults to +false+. (OPTIONAL)
+      def initialize(options = {})
+        requires!(options, :login, :secret_key)
+        options[:terminal] ||= 1
+        options[:signature_algorithm] = 'sha256'
+        super
+      end
+
+      def purchase(money, payment, options = {})
+        requires!(options, :order_id)
+
+        post = {}
+        add_action(post, :purchase, options)
+        add_amount(post, money, options)
+        add_stored_credentials(post, options)
+        add_threeds_exemption_data(post, options)
+        add_order(post, options[:order_id])
+        add_payment(post, payment)
+        add_description(post, options)
+        add_direct_payment(post, options)
+        add_threeds(post, options)
+
+        commit(post, options)
+      end
+
+      def authorize(money, payment, options = {})
+        requires!(options, :order_id)
+
+        post = {}
+        add_action(post, :authorize, options)
+        add_amount(post, money, options)
+        add_stored_credentials(post, options)
+        add_threeds_exemption_data(post, options)
+        add_order(post, options[:order_id])
+        add_payment(post, payment)
+        add_description(post, options)
+        add_direct_payment(post, options)
+        add_threeds(post, options)
+
+        commit(post, options)
+      end
+
+      def capture(money, authorization, options = {})
+        post = {}
+        add_action(post, :capture)
+        add_amount(post, money, options)
+        order_id, = split_authorization(authorization)
+        add_order(post, order_id)
+        add_description(post, options)
+
+        commit(post, options)
+      end
+
+      def void(authorization, options = {})
+        requires!(options, :order_id)
+
+        post = {}
+        add_action(post, :cancel)
+        order_id, amount, currency = split_authorization(authorization)
+        add_amount(post, amount, currency: currency)
+        add_order(post, order_id)
+        add_description(post, options)
+
+        commit(post, options)
+      end
+
+      def refund(money, authorization, options = {})
+        requires!(options, :order_id)
+
+        post = {}
+        add_action(post, :refund)
+        add_amount(post, money, options)
+        order_id, = split_authorization(authorization)
+        add_order(post, order_id)
+        add_description(post, options)
+
+        commit(post, options)
+      end
+
+      def verify(creditcard, options = {})
+        requires!(options, :order_id)
+
+        post = {}
+        add_action(post, :verify, options)
+        add_amount(post, 0, options)
+        add_order(post, options[:order_id])
+        add_payment(post, creditcard)
+        add_description(post, options)
+        add_direct_payment(post, options)
+        add_threeds(post, options)
+
+        commit(post, options)
+      end
+
+      def supports_scrubbing?
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((PAN\"=>\")(\d+)), '\1[FILTERED]').
+          gsub(%r((CVV2\"=>\")(\d+)), '\1[FILTERED]')
+      end
+
+      private
+
+      def add_direct_payment(post, options)
+        # Direct payment skips 3DS authentication. We should only apply this if execute_threed is false
+        # or authentication data is not present. Authentication data support to be added in the future.
+        return if options[:execute_threed] || options[:authentication_data] || options[:three_ds_exemption_type] == 'moto'
+
+        post[:DS_MERCHANT_DIRECTPAYMENT] = true
+      end
+
+      def add_threeds(post, options)
+        return unless options[:execute_threed] || options[:three_ds_2]
+
+        post[:DS_MERCHANT_EMV3DS] = if options[:execute_threed]
+                                      { threeDSInfo: 'CardData' }
+                                    else
+                                      add_browser_info(post, options)
+                                    end
+      end
+
+      def add_browser_info(post, options)
+        return unless browser_info = options.dig(:three_ds_2, :browser_info)
+
+        {
+          browserAcceptHeader: browser_info[:accept_header],
+          browserUserAgent: browser_info[:user_agent],
+          browserJavaEnabled: browser_info[:java],
+          browserJavascriptEnabled: browser_info[:java],
+          browserLanguage: browser_info[:language],
+          browserColorDepth: browser_info[:depth],
+          browserScreenHeight: browser_info[:height],
+          browserScreenWidth: browser_info[:width],
+          browserTZ: browser_info[:timezone]
+        }
+      end
+
+      def add_action(post, action, options = {})
+        post[:DS_MERCHANT_TRANSACTIONTYPE] = transaction_code(action)
+      end
+
+      def add_amount(post, money, options)
+        post[:DS_MERCHANT_AMOUNT] = amount(money).to_s
+        post[:DS_MERCHANT_CURRENCY] = currency_code(options[:currency] || currency(money))
+      end
+
+      def add_description(post, options)
+        post[:DS_MERCHANT_PRODUCTDESCRIPTION] = CGI.escape(options[:description]) if options[:description]
+      end
+
+      def add_order(post, order_id)
+        post[:DS_MERCHANT_ORDER] = clean_order_id(order_id)
+      end
+
+      def add_payment(post, card)
+        name = [card.first_name, card.last_name].join(' ').slice(0, 60)
+        year = sprintf('%.4i', card.year)
+        month = sprintf('%.2i', card.month)
+        post['DS_MERCHANT_TITULAR'] = CGI.escape(name)
+        post['DS_MERCHANT_PAN'] = card.number
+        post['DS_MERCHANT_EXPIRYDATE'] = "#{year[2..3]}#{month}"
+        post['DS_MERCHANT_CVV2'] = card.verification_value if card.verification_value.present?
+      end
+
+      def determine_action(options)
+        # If execute_threed is true, we need to use iniciaPeticionREST to set up authentication
+        # Otherwise we are skipping 3DS or we should have 3DS authentication results
+        options[:execute_threed] ? 'iniciaPeticionREST' : 'trataPeticionREST'
+      end
+
+      def commit(post, options)
+        url = (test? ? test_url : live_url)
+        action = determine_action(options)
+        raw_response = parse(ssl_post(url + action, post_data(post, options)))
+        payload = raw_response['Ds_MerchantParameters']
+        return Response.new(false, "#{raw_response['errorCode']} ERROR") unless payload
+
+        response = JSON.parse(Base64.decode64(payload)).transform_keys!(&:downcase).with_indifferent_access
+        return Response.new(false, 'Unable to verify response') unless validate_signature(payload, raw_response['Ds_Signature'], response[:ds_order])
+
+        succeeded = success_from(response, options)
+        Response.new(
+          succeeded,
+          message_from(response),
+          response,
+          authorization: authorization_from(response),
+          test: test?,
+          error_code: succeeded ? nil : response[:ds_response]
+        )
+      end
+
+      def post_data(post, options)
+        add_authentication(post, options)
+        merchant_parameters = JSON.generate(post)
+        encoded_parameters = Base64.strict_encode64(merchant_parameters)
+        post_data = PostData.new
+        post_data['Ds_SignatureVersion'] = 'HMAC_SHA256_V1'
+        post_data['Ds_MerchantParameters'] = encoded_parameters
+        post_data['Ds_Signature'] = sign_request(encoded_parameters, post[:DS_MERCHANT_ORDER])
+        post_data.to_post_data
+      end
+
+      def add_authentication(post, options)
+        post[:DS_MERCHANT_TERMINAL] = options[:terminal] || @options[:terminal]
+        post[:DS_MERCHANT_MERCHANTCODE] = @options[:login]
+      end
+
+      def add_stored_credentials(post, options)
+        return unless stored_credential = options[:stored_credential]
+
+        post[:DS_MERCHANT_COF_INI] = stored_credential[:initial_transaction] ? 'S' : 'N'
+
+        post[:DS_MERCHANT_COF_TYPE] = case stored_credential[:reason_type]
+                                      when 'recurring'
+                                        'R'
+                                      when 'installment'
+                                        'I'
+                                      else
+                                        'C'
+                                      end
+
+        post[:DS_MERCHANT_IDENTIFIER] = 'REQUIRED' if stored_credential[:initiator] == 'cardholder'
+        post[:DS_MERCHANT_COF_TXNID] = stored_credential[:network_transaction_id] if stored_credential[:network_transaction_id]
+      end
+
+      def add_threeds_exemption_data(post, options)
+        return unless options[:three_ds_exemption_type]
+
+        if options[:three_ds_exemption_type] == 'moto'
+          post[:DS_MERCHANT_DIRECTPAYMENT] = 'MOTO'
+        else
+          exemption = options[:three_ds_exemption_type].to_sym
+          post[:DS_MERCHANT_EXCEP_SCA] = THREEDS_EXEMPTIONS[exemption]
+        end
+      end
+
+      def parse(body)
+        JSON.parse(body)
+      end
+
+      def success_from(response, options)
+        return true if response[:ds_emv3ds] && options[:execute_threed]
+
+        # Need to get updated for 3DS support
+        if code = response[:ds_response]
+          (code.to_i < 100) || [400, 481, 500, 900].include?(code.to_i)
+        else
+          false
+        end
+      end
+
+      def message_from(response)
+        return response.dig(:ds_emv3ds, :threeDSInfo) if response[:ds_emv3ds]
+
+        code = response[:ds_response]&.to_i
+        code = 0 if code < 100
+        RESPONSE_TEXTS[code] || 'Unknown code, please check in manual'
+      end
+
+      def validate_signature(data, signature, order_number)
+        key = encrypt(@options[:secret_key], order_number)
+        Base64.urlsafe_encode64(mac256(key, data)) == signature
+      end
+
+      def authorization_from(response)
+        # Need to get updated for 3DS support
+        [response[:ds_order], response[:ds_amount], response[:ds_currency]].join('|')
+      end
+
+      def split_authorization(authorization)
+        order_id, amount, currency = authorization.split('|')
+        [order_id, amount.to_i, currency]
+      end
+
+      def currency_code(currency)
+        return currency if currency =~ /^\d+$/
+        raise ArgumentError, "Unknown currency #{currency}" unless CURRENCY_CODES[currency]
+
+        CURRENCY_CODES[currency]
+      end
+
+      def transaction_code(type)
+        SUPPORTED_TRANSACTIONS[type]
+      end
+
+      def clean_order_id(order_id)
+        cleansed = order_id.gsub(/[^\da-zA-Z]/, '')
+        if /^\d{4}/.match?(cleansed)
+          cleansed[0..11]
+        else
+          '%04d' % [rand(0..9999)] + cleansed[0...8]
+        end
+      end
+
+      def sign_request(encoded_parameters, order_id)
+        raise(ArgumentError, 'missing order_id') unless order_id
+
+        key = encrypt(@options[:secret_key], order_id)
+        Base64.strict_encode64(mac256(key, encoded_parameters))
+      end
+
+      def encrypt(key, order_id)
+        block_length = 8
+        cipher = OpenSSL::Cipher.new('DES3')
+        cipher.encrypt
+
+        cipher.key = Base64.urlsafe_decode64(key)
+        # The OpenSSL default of an all-zeroes ("\\0") IV is used.
+        cipher.padding = 0
+
+        order_id += "\0" until order_id.bytesize % block_length == 0 # Pad with zeros
+
+        cipher.update(order_id) + cipher.final
+      end
+
+      def mac256(key, data)
+        OpenSSL::HMAC.digest(OpenSSL::Digest.new('sha256'), key, data)
+      end
+    end
+  end
+end

data/lib/active_merchant/billing/gateways/s5.rb

@@ -128,9 +128,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def add_account(xml, payment_method)
-        if !payment_method.respond_to?(:number)
-          xml.Account(registration: payment_method)
-        else
+        if payment_method.respond_to?(:number)
           xml.Account do
             xml.Number        payment_method.number
             xml.Holder        "#{payment_method.first_name} #{payment_method.last_name}"
@@ -138,6 +136,8 @@ module ActiveMerchant #:nodoc:
             xml.Expiry(year: payment_method.year, month: payment_method.month)
             xml.Verification payment_method.verification_value
           end
+        else
+          xml.Account(registration: payment_method)
         end
       end
 

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

@@ -88,7 +88,7 @@ module ActiveMerchant #:nodoc:
         add_transaction_data('Credit', post, money, options)
         add_customer_details(post, payment, options)
 
-        post[:sg_CreditType] = 1
+        options[:unreferenced_refund].to_s == 'true' ? post[:sg_CreditType] = 2 : post[:sg_CreditType] = 1
 
         commit(post)
       end
@@ -149,26 +149,46 @@ module ActiveMerchant #:nodoc:
       end
 
       def add_payment(post, payment, options = {})
-        post[:sg_ExpMonth] = format(payment.month, :two_digits)
-        post[:sg_ExpYear] = format(payment.year, :two_digits)
-        post[:sg_CardNumber] = payment.number
-
-        if payment.is_a?(NetworkTokenizationCreditCard) && payment.source == :network_token
-          post[:sg_CAVV] = payment.payment_cryptogram
-          post[:sg_ECI] = options[:three_d_secure] && options[:three_d_secure][:eci] || '05'
-          post[:sg_IsExternalMPI] = 1
-          post[:sg_ExternalTokenProvider] = 5
-        else
-          post[:sg_CVV2] = payment.verification_value
-          post[:sg_NameOnCard] = payment.name
-          post[:sg_StoredCredentialMode] = (options[:stored_credential_mode] == true ? 1 : 0)
+        case payment
+        when String
+          add_token(post, payment)
+        when CreditCard
+          post[:sg_ExpMonth] = format(payment.month, :two_digits)
+          post[:sg_ExpYear] = format(payment.year, :two_digits)
+          post[:sg_CardNumber] = payment.number
+
+          if payment.is_a?(NetworkTokenizationCreditCard) && payment.source == :network_token
+            add_network_token(post, payment, options)
+          else
+            add_credit_card(post, payment, options)
+          end
         end
       end
 
+      def add_token(post, payment)
+        _, transaction_id, token = payment.split('|')
+
+        post[:sg_TransactionID] = transaction_id
+        post[:sg_CCToken] = token
+      end
+
+      def add_credit_card(post, payment, options)
+        post[:sg_CVV2] = payment.verification_value
+        post[:sg_NameOnCard] = payment.name
+        post[:sg_StoredCredentialMode] = (options[:stored_credential_mode] == true ? 1 : 0)
+      end
+
+      def add_network_token(post, payment, options)
+        post[:sg_CAVV] = payment.payment_cryptogram
+        post[:sg_ECI] = options[:three_d_secure] && options[:three_d_secure][:eci] || '05'
+        post[:sg_IsExternalMPI] = 1
+        post[:sg_ExternalTokenProvider] = 5
+      end
+
       def add_customer_details(post, payment, options)
         if address = options[:billing_address] || options[:address]
-          post[:sg_FirstName] = payment.first_name
-          post[:sg_LastName] = payment.last_name
+          post[:sg_FirstName] = payment.first_name if payment.respond_to?(:first_name)
+          post[:sg_LastName] = payment.last_name if payment.respond_to?(:last_name)
           post[:sg_Address] = address[:address1] if address[:address1]
           post[:sg_City] = address[:city] if address[:city]
           post[:sg_State] = address[:state]  if address[:state]

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

@@ -260,11 +260,15 @@ module ActiveMerchant #:nodoc:
         url = url(params, source)
         response = parse(ssl_post(url, post_data(action, params)), source)
 
-        Response.new(success?(response), response[:message], response,
+        Response.new(
+          success?(response),
+          response[:message],
+          response,
           test: test?,
           authorization: authorization_from(response, source),
           avs_result: { code: response[:avs_result] },
-          cvv_result: response[:cvv_result])
+          cvv_result: response[:cvv_result]
+        )
       end
 
       def url(params, source)
@@ -380,8 +384,12 @@ module ActiveMerchant #:nodoc:
             message = success ? 'Succeeded' : 'Failed'
           end
 
-          Response.new(success, message, response,
-            authorization: response[:guid])
+          Response.new(
+            success,
+            message,
+            response,
+            authorization: response[:guid]
+          )
         end
 
         ENVELOPE_NAMESPACES = {