activemerchant 1.133.0 → 1.138.0

data/lib/active_merchant/billing/gateways/checkout_v2.rb

@@ -1,5 +1,5 @@
-module ActiveMerchant #:nodoc:
-  module Billing #:nodoc:
+module ActiveMerchant # :nodoc:
+  module Billing # :nodoc:
     class CheckoutV2Gateway < Gateway
       self.display_name = 'Checkout.com Unified Payments'
       self.homepage_url = 'https://www.checkout.com/'
@@ -9,7 +9,7 @@ module ActiveMerchant #:nodoc:
       self.supported_countries = %w[AD AE AR AT AU BE BG BH BR CH CL CN CO CY CZ DE DK EE EG ES FI FR GB GR HK HR HU IE IS IT JO JP KW LI LT LU LV MC MT MX MY NL NO NZ OM PE PL PT QA RO SA SE SG SI SK SM TR US]
       self.default_currency = 'USD'
       self.money_format = :cents
-      self.supported_cardtypes = %i[visa master american_express diners_club maestro discover jcb mada bp_plus]
+      self.supported_cardtypes = %i[visa master american_express diners_club maestro discover jcb mada bp_plus patagonia_365 tarjeta_sol]
       self.currencies_without_fractions = %w(BIF DJF GNF ISK KMF XAF CLF XPF JPY PYG RWF KRW VUV VND XOF)
       self.currencies_with_three_decimal_places = %w(BHD LYD JOD KWD OMR TND)
 
@@ -17,15 +17,7 @@ module ActiveMerchant #:nodoc:
       TEST_ACCESS_TOKEN_URL = 'https://access.sandbox.checkout.com/connect/token'
 
       def initialize(options = {})
-        @options = options
-        @access_token = nil
-
-        if options.has_key?(:secret_key)
-          requires!(options, :secret_key)
-        else
-          requires!(options, :client_id, :client_secret)
-          @access_token = setup_access_token
-        end
+        options.has_key?(:secret_key) ? requires!(options, :secret_key) : requires!(options, :client_id, :client_secret)
 
         super
       end
@@ -41,6 +33,7 @@ module ActiveMerchant #:nodoc:
         post = {}
         post[:capture] = false
         build_auth_or_purchase(post, amount, payment_method, options)
+
         options[:incremental_authorization] ? commit(:incremental_authorize, post, options, options[:incremental_authorization]) : commit(:authorize, post, options)
       end
 
@@ -51,23 +44,26 @@ module ActiveMerchant #:nodoc:
         add_customer_data(post, options)
         add_shipping_address(post, options)
         add_metadata(post, options)
+        add_level_two_three_data(post, options)
 
         commit(:capture, post, options, authorization)
       end
 
       def credit(amount, payment, options = {})
         post = {}
-        post[:instruction] = {}
-        post[:instruction][:funds_transfer_type] = options[:funds_transfer_type] || 'FD'
         add_processing_channel(post, options)
         add_invoice(post, amount, options)
         add_payment_method(post, payment, options, :destination)
         add_source(post, options)
+        add_instruction_data(post, options)
+        add_payout_sender_data(post, options)
+        add_payout_destination_data(post, options)
+        add_metadata(post, options)
 
         commit(:credit, post, options)
       end
 
-      def void(authorization, _options = {})
+      def void(authorization, options = {})
         post = {}
         add_metadata(post, options)
 
@@ -87,7 +83,11 @@ module ActiveMerchant #:nodoc:
         authorize(0, credit_card, options)
       end
 
-      def verify_payment(authorization, option = {})
+      def inquire(authorization, options = {})
+        verify_payment(authorization, {})
+      end
+
+      def verify_payment(authorization, options = {})
         commit(:verify_payment, nil, options, authorization, :get)
       end
 
@@ -102,7 +102,8 @@ module ActiveMerchant #:nodoc:
           gsub(/("cvv\\":\\")\d+/, '\1[FILTERED]').
           gsub(/("cryptogram\\":\\")\w+/, '\1[FILTERED]').
           gsub(/(source\\":\{.*\\"token\\":\\")\d+/, '\1[FILTERED]').
-          gsub(/("token\\":\\")\w+/, '\1[FILTERED]')
+          gsub(/("token\\":\\")\w+/, '\1[FILTERED]').
+          gsub(/("access_token\\?"\s*:\s*\\?")[^"]*\w+/, '\1[FILTERED]')
       end
 
       def store(payment_method, options = {})
@@ -123,6 +124,7 @@ module ActiveMerchant #:nodoc:
             post.merge!(post.delete(:source))
             add_customer_data(post, options)
             add_shipping_address(post, options)
+            add_metadata(post, options)
             r.process { commit(:store, post, options) }
           end
         end
@@ -147,6 +149,14 @@ module ActiveMerchant #:nodoc:
         add_metadata(post, options, payment_method)
         add_processing_channel(post, options)
         add_marketplace_data(post, options)
+        add_account_name_inquiry(post, options)
+        add_recipient_data(post, options)
+        add_processing_data(post, options)
+        add_payment_sender_data(post, options)
+        add_risk_data(post, options)
+        add_level_two_three_data(post, options)
+        truncate_amex_reference_id(post, options, payment_method)
+        add_partial_authorization(post, options)
       end
 
       def add_invoice(post, money, options)
@@ -158,8 +168,111 @@ module ActiveMerchant #:nodoc:
           post[:billing_descriptor][:name] = options[:descriptor_name] if options[:descriptor_name]
           post[:billing_descriptor][:city] = options[:descriptor_city] if options[:descriptor_city]
         end
-        post[:metadata] = {}
-        post[:metadata][:udf5] = application_id || 'ActiveMerchant'
+      end
+
+      def truncate_amex_reference_id(post, options, payment_method)
+        post[:reference] = truncate(options[:order_id], 30) if payment_method.respond_to?(:brand) && payment_method.brand == 'american_express'
+      end
+
+      def add_account_name_inquiry(post, options)
+        return unless options[:account_name_inquiry] && options[:account_holder]&.is_a?(Hash)
+
+        account_holder = options[:account_holder]
+
+        post[:source][:account_holder] = {}
+        %i[first_name middle_name last_name type company_name].each do |key|
+          post[:source][:account_holder][key] = account_holder[key] if account_holder[key]
+        end
+        post[:source][:account_holder][:account_name_inquiry] = true
+      end
+
+      def add_recipient_data(post, options)
+        return unless options[:recipient].is_a?(Hash)
+
+        recipient = options[:recipient]
+
+        post[:recipient] = {}
+        post[:recipient][:dob] = recipient[:dob] if recipient[:dob]
+        post[:recipient][:zip] = recipient[:zip] if recipient[:zip]
+        post[:recipient][:account_number] = recipient[:account_number] if recipient[:account_number]
+        post[:recipient][:first_name] = recipient[:first_name] if recipient[:first_name]
+        post[:recipient][:last_name] = recipient[:last_name] if recipient[:last_name]
+
+        if address = recipient[:address]
+          address1 = address[:address1] || address[:address_line1]
+          address2 = address[:address2] || address[:address_line2]
+
+          post[:recipient][:address] = {}
+          post[:recipient][:address][:address_line1] = address1 if address1
+          post[:recipient][:address][:address_line2] = address2 if address2
+          post[:recipient][:address][:city] = address[:city] if address[:city]
+          post[:recipient][:address][:state] = address[:state] if address[:state]
+          post[:recipient][:address][:zip] = address[:zip] if address[:zip]
+          post[:recipient][:address][:country] = address[:country] if address[:country]
+        end
+      end
+
+      def add_processing_data(post, options)
+        return unless options[:processing].is_a?(Hash)
+
+        post[:processing] = options[:processing]
+      end
+
+      def add_partial_authorization(post, options)
+        return unless options[:partial_authorization]
+
+        post[:partial_authorization] = {}
+        post[:partial_authorization][:enabled] = options[:partial_authorization] if options[:partial_authorization]
+      end
+
+      def add_risk_data(post, options)
+        return unless options[:risk].is_a?(Hash)
+
+        risk = options[:risk]
+        post[:risk] = {} unless risk.empty?
+
+        if risk[:enabled].to_s == 'true'
+          post[:risk][:enabled] = true
+          post[:risk][:device_session_id] = risk[:device_session_id] if risk[:device_session_id]
+        elsif risk[:enabled].to_s == 'false'
+          post[:risk][:enabled] = false
+        end
+      end
+
+      def add_payment_sender_data(post, options)
+        return unless options[:sender].is_a?(Hash)
+
+        sender = options[:sender]
+
+        birthdate = sender[:dob] || sender[:date_of_birth]
+
+        post[:sender] = {}
+        post[:sender][:type] = sender[:type] if sender[:type]
+        post[:sender][:first_name] = sender[:first_name] if sender[:first_name]
+        post[:sender][:last_name] = sender[:last_name] if sender[:last_name]
+        post[:sender][:date_of_birth] = birthdate if birthdate
+        post[:sender][:reference] = sender[:reference] if sender[:reference]
+        post[:sender][:company_name] = sender[:company_name] if sender[:company_name]
+
+        if address = sender[:address]
+          address1 = address[:address1] || address[:address_line1]
+          address2 = address[:address2] || address[:address_line2]
+
+          post[:sender][:address] = {}
+          post[:sender][:address][:address_line1] = address1 if address1
+          post[:sender][:address][:address_line2] = address2 if address2
+          post[:sender][:address][:city] = address[:city] if address[:city]
+          post[:sender][:address][:state] = address[:state] if address[:state]
+          post[:sender][:address][:zip] = address[:zip] if address[:zip]
+          post[:sender][:address][:country] = address[:country] if address[:country]
+        end
+
+        if identification = sender[:identification]
+          post[:sender][:identification] = {}
+          post[:sender][:identification][:type] = identification[:type] if identification[:type]
+          post[:sender][:identification][:number] = identification[:number] if identification[:number]
+          post[:sender][:identification][:issuing_country] = identification[:issuing_country] if identification[:issuing_country]
+        end
       end
 
       def add_authorization_type(post, options)
@@ -170,9 +283,11 @@ module ActiveMerchant #:nodoc:
         post[:metadata] = {} unless post[:metadata]
         post[:metadata].merge!(options[:metadata]) if options[:metadata]
         post[:metadata][:udf1] = 'mada' if payment_method.try(:brand) == 'mada'
+        post[:metadata][:udf5] = application_id || 'ActiveMerchant'
       end
 
       def add_payment_method(post, payment_method, options, key = :source)
+        # the key = :destination when this method is called in def credit
         post[key] = {}
         case payment_method
         when NetworkTokenizationCreditCard
@@ -190,13 +305,23 @@ module ActiveMerchant #:nodoc:
           post[key][:type] = 'card'
           post[key][:name] = payment_method.name
           post[key][:number] = payment_method.number
-          post[key][:cvv] = payment_method.verification_value
+          post[key][:cvv] = payment_method.verification_value unless options[:funds_transfer_type]
           post[key][:stored] = 'true' if options[:card_on_file] == true
+
+          # because of the way the key = is implemented in the method signature, some of the destination
+          # data will be added here, some in the destination specific method below.
+          # at first i was going to move this, but since this data is coming from the payment method
+          # i think it makes sense to leave it
           if options[:account_holder_type]
             post[key][:account_holder] = {}
             post[key][:account_holder][:type] = options[:account_holder_type]
-            post[key][:account_holder][:first_name] = payment_method.first_name if payment_method.first_name
-            post[key][:account_holder][:last_name] = payment_method.last_name if payment_method.last_name
+
+            if options[:account_holder_type] == 'corporate' || options[:account_holder_type] == 'government'
+              post[key][:account_holder][:company_name] = payment_method.name if payment_method.respond_to?(:name)
+            else
+              post[key][:account_holder][:first_name] = payment_method.first_name if payment_method.first_name
+              post[key][:account_holder][:last_name] = payment_method.last_name if payment_method.last_name
+            end
           else
             post[key][:first_name] = payment_method.first_name if payment_method.first_name
             post[key][:last_name] = payment_method.last_name if payment_method.last_name
@@ -270,13 +395,14 @@ module ActiveMerchant #:nodoc:
       end
 
       def merchant_initiated_override(post, options)
+        post[:payment_type] ||= 'Regular'
         post[:merchant_initiated] = true
         post[:source][:stored] = true
         post[:previous_payment_id] = options[:merchant_initiated_transaction_id]
       end
 
       def add_stored_credentials_using_normalized_fields(post, options)
-        if options[:stored_credential][:initial_transaction] == true
+        if options[:stored_credential][:initiator] == 'cardholder'
           post[:merchant_initiated] = false
         else
           post[:source][:stored] = true
@@ -288,7 +414,8 @@ module ActiveMerchant #:nodoc:
       def add_stored_credential_options(post, options = {})
         return unless options[:stored_credential]
 
-        post[:payment_type] = 'Recurring' if %w(recurring installment).include? options[:stored_credential][:reason_type]
+        post[:payment_type] = options[:stored_credential][:reason_type]&.capitalize
+        post[:payment_type] = 'Regular' if options[:stored_credential][:initiator] == 'cardholder' && post[:payment_type] == 'Unscheduled'
 
         if options[:merchant_initiated_transaction_id]
           merchant_initiated_override(post, options)
@@ -321,6 +448,82 @@ module ActiveMerchant #:nodoc:
         post[:processing_channel_id] = options[:processing_channel_id] if options[:processing_channel_id]
       end
 
+      def add_instruction_data(post, options)
+        post[:instruction] = {}
+        post[:instruction][:funds_transfer_type] = options[:funds_transfer_type] || 'FD'
+        post[:instruction][:purpose] = options[:instruction_purpose] if options[:instruction_purpose]
+      end
+
+      def add_payout_sender_data(post, options)
+        return unless options[:payout] == true && options[:sender].is_a?(Hash)
+
+        post[:sender] = {
+          # options for type are individual, corporate, or government
+          type: options[:sender][:type],
+          # first and last name required if sent by type: individual
+          first_name: options[:sender][:first_name],
+          middle_name: options[:sender][:middle_name],
+          last_name: options[:sender][:last_name],
+          # company name required if sent by type: corporate or government
+          company_name: options[:sender][:company_name],
+          # these are required fields for payout, may not work if address is blank or different than cardholder(option for sender to be a company or government).
+          # may need to still include in GSF hash.
+
+          address: {
+            address_line1: options.dig(:sender, :address, :address1),
+            address_line2: options.dig(:sender, :address, :address2),
+            city: options.dig(:sender, :address, :city),
+            state: options.dig(:sender, :address, :state),
+            country: options.dig(:sender, :address, :country),
+            zip: options.dig(:sender, :address, :zip)
+          }.compact,
+          reference: options[:sender][:reference],
+          reference_type: options[:sender][:reference_type],
+          source_of_funds: options[:sender][:source_of_funds],
+          # identification object is conditional. required when card metadata issuer_country = AR, BR, CO, or PR
+          # checkout docs say PR (Peru), but PR is puerto rico and PE is Peru so yikes
+          identification: {
+            type: options.dig(:sender, :identification, :type),
+            number: options.dig(:sender, :identification, :number),
+            issuing_country: options.dig(:sender, :identification, :issuing_country),
+            date_of_expiry: options.dig(:sender, :identification, :date_of_expiry)
+          }.compact,
+          date_of_birth: options[:sender][:date_of_birth],
+          country_of_birth: options[:sender][:country_of_birth],
+          nationality: options[:sender][:nationality]
+        }.compact
+      end
+
+      def add_payout_destination_data(post, options)
+        return unless options[:payout] == true && options[:destination].is_a?(Hash)
+
+        post[:destination] ||= {}
+        post[:destination][:account_holder] ||= {}
+        post[:destination][:account_holder][:email] = options[:destination][:account_holder][:email] if options[:destination][:account_holder][:email]
+        post[:destination][:account_holder][:date_of_birth] = options[:destination][:account_holder][:date_of_birth] if options[:destination][:account_holder][:date_of_birth]
+        post[:destination][:account_holder][:country_of_birth] = options[:destination][:account_holder][:country_of_birth] if options[:destination][:account_holder][:country_of_birth]
+        # below fields only required during a card to card payout
+        post[:destination][:account_holder][:phone] = {}
+        post[:destination][:account_holder][:phone][:country_code] = options.dig(:destination, :account_holder, :phone, :country_code) if options.dig(:destination, :account_holder, :phone, :country_code)
+        post[:destination][:account_holder][:phone][:number] = options.dig(:destination, :account_holder, :phone, :number) if options.dig(:destination, :account_holder, :phone, :number)
+
+        post[:destination][:account_holder][:identification] = {}
+        post[:destination][:account_holder][:identification][:type] = options.dig(:destination, :account_holder, :identification, :type) if options.dig(:destination, :account_holder, :identification, :type)
+        post[:destination][:account_holder][:identification][:number] = options.dig(:destination, :account_holder, :identification, :number) if options.dig(:destination, :account_holder, :identification, :number)
+        post[:destination][:account_holder][:identification][:issuing_country] = options.dig(:destination, :account_holder, :identification, :issuing_country) if options.dig(:destination, :account_holder, :identification, :issuing_country)
+        post[:destination][:account_holder][:identification][:date_of_expiry] = options.dig(:destination, :account_holder, :identification, :date_of_expiry) if options.dig(:destination, :account_holder, :identification, :date_of_expiry)
+
+        if address = options[:billing_address] || options[:address] # destination address will come from the tokenized card billing address
+          post[:destination][:account_holder][:billing_address] = {}
+          post[:destination][:account_holder][:billing_address][:address_line1] = address[:address1] unless address[:address1].blank?
+          post[:destination][:account_holder][:billing_address][:address_line2] = address[:address2] unless address[:address2].blank?
+          post[:destination][:account_holder][:billing_address][:city] = address[:city] unless address[:city].blank?
+          post[:destination][:account_holder][:billing_address][:state] = address[:state] unless address[:state].blank?
+          post[:destination][:account_holder][:billing_address][:country] = address[:country] unless address[:country].blank?
+          post[:destination][:account_holder][:billing_address][:zip] = address[:zip] unless address[:zip].blank?
+        end
+      end
+
       def add_marketplace_data(post, options)
         if options[:marketplace]
           post[:marketplace] = {}
@@ -328,6 +531,67 @@ module ActiveMerchant #:nodoc:
         end
       end
 
+      def add_level_two_three_data(post, options)
+        post[:processing] ||= {}
+        post[:customer] ||= {}
+
+        # American Express only supports Level 2 data.
+        # Only is required add items info in lvl2 data for amex
+        add_items(post, options)
+        add_level_two_data(post, options)
+        add_level_three_data(post, options)
+        add_shipping_data(post, options)
+      end
+
+      def add_items(post, options)
+        items = build_items(options[:line_items] || [])
+        post[:items] = items unless items.empty?
+      end
+
+      def add_level_two_data(post, options)
+        post[:customer][:tax_number] = options[:tax_number] # field no require for amex
+
+        post[:processing].merge!(
+          {
+            order_id: options[:invoice_id],
+            tax_amount: options[:tax_amount]
+          }.compact
+        )
+      end
+
+      def add_level_three_data(post, options)
+        post[:processing].merge!(
+          {
+            discount_amount: options[:discount_amount],
+            shipping_amount: options[:shipping_amount],
+            duty_amount: options[:duty_amount]
+          }.compact
+        )
+      end
+
+      def add_shipping_data(post, options)
+        post[:shipping] ||= {}
+        post[:shipping][:from_address_zip] = options[:from_address_zip]
+      end
+
+      def build_items(line_items = [])
+        line_items.map do |item|
+          {
+            # for lvl 2 amex and lvl 3 visa/master
+            name: item[:name],
+            quantity: item[:quantity],
+            unit_price: item[:unit_price],
+            # for lvl3 visa/master
+            reference: item[:reference],
+            tax_amount: item[:tax_amount],
+            discount_amount: item[:discount_amount],
+            total_amount: item[:total_amount],
+            commodity_code: item[:commodity_code],
+            unit_of_measure: item[:unit_of_measure]
+          }.compact
+        end
+      end
+
       def access_token_header
         {
           'Authorization' => "Basic #{Base64.encode64("#{@options[:client_id]}:#{@options[:client_secret]}").delete("\n")}",
@@ -339,19 +603,43 @@ module ActiveMerchant #:nodoc:
         test? ? TEST_ACCESS_TOKEN_URL : LIVE_ACCESS_TOKEN_URL
       end
 
+      def expires_date_with_extra_range(expires_in)
+        # Two minutes are subtracted from the expires_in time to generate the expires date
+        # in order to prevent any transaction from failing due to using an access_token
+        # that is very close to expiring.
+        # e.g. the access_token has one second left to expire and the lag when the transaction
+        # use an already expired access_token
+        (DateTime.now + (expires_in - 120).seconds).strftime('%Q').to_i
+      end
+
       def setup_access_token
-        request = 'grant_type=client_credentials'
-        response = parse(ssl_post(access_token_url, request, access_token_header))
-        response['access_token']
+        response = parse(ssl_post(access_token_url, 'grant_type=client_credentials', access_token_header))
+        @options[:access_token] = response['access_token']
+        @options[:expires] = expires_date_with_extra_range(response['expires_in']) if response['expires_in'] && response['expires_in'] > 0
+
+        Response.new(
+          access_token_valid?,
+          message_from(access_token_valid?, response, {}),
+          response.merge({ expires: @options[:expires] }),
+          test: test?,
+          error_code: error_code_from(access_token_valid?, response, {})
+        )
+      rescue ResponseError => e
+        raise OAuthResponseError.new(e)
       end
 
-      def commit(action, post, options, authorization = nil, method = :post)
+      def access_token_valid?
+        @options[:access_token].present? && @options[:expires].to_i > DateTime.now.strftime('%Q').to_i
+      end
+
+      def perform_request(action, post, options, authorization = nil, method = :post)
         begin
           raw_response = ssl_request(method, url(action, authorization), post.nil? || post.empty? ? nil : post.to_json, headers(action, options))
           response = parse(raw_response)
           response['id'] = response['_links']['payment']['href'].split('/')[-1] if action == :capture && response.key?('_links')
-          source_id = authorization if action == :unstore
         rescue ResponseError => e
+          @options[:access_token] = '' if e.response.code == '401' && !@options[:secret_key]
+
           raise unless e.response.code.to_s =~ /4\d\d/
 
           response = parse(e.response.body, error: e.response)
@@ -359,35 +647,55 @@ module ActiveMerchant #:nodoc:
 
         succeeded = success_from(action, response)
 
-        response(action, succeeded, response, source_id)
+        response(action, succeeded, response, options)
+      end
+
+      def commit(action, post, options, authorization = nil, method = :post)
+        MultiResponse.run do |r|
+          r.process { setup_access_token } unless @options[:secret_key] || access_token_valid?
+          r.process { perform_request(action, post, options, authorization, method) }
+        end
       end
 
-      def response(action, succeeded, response, source_id = nil)
+      def response(action, succeeded, response, options = {}, source_id = nil)
         authorization = authorization_from(response) unless action == :unstore
         body = action == :unstore ? { response_code: response.to_s } : response
         Response.new(
           succeeded,
-          message_from(succeeded, response),
+          message_from(succeeded, response, options),
           body,
-          authorization: authorization,
-          error_code: error_code_from(succeeded, body),
+          authorization:,
+          error_code: error_code_from(succeeded, body, options),
           test: test?,
           avs_result: avs_result(response),
-          cvv_result: cvv_result(response)
+          cvv_result: cvv_result(response),
+          pending: pending_result(response, action)
         )
       end
 
+      def pending_result(response, action)
+        return unless action == :credit
+
+        response['status'] == 'Pending'
+      end
+
       def headers(action, options)
-        auth_token = @access_token ? "Bearer #{@access_token}" : @options[:secret_key]
-        auth_token = @options[:public_key] if action == :tokens
-        headers = {
-          'Authorization' => auth_token,
-          'Content-Type' => 'application/json;charset=UTF-8'
-        }
+        headers = { 'Authorization' => auth_token(action), 'Content-Type' => 'application/json;charset=UTF-8' }
         headers['Cko-Idempotency-Key'] = options[:idempotency_key] if options[:idempotency_key]
+
         headers
       end
 
+      def auth_token(action)
+        return @options[:public_key] if action == :tokens
+
+        token = @options[:access_token] || @options[:secret_key]
+
+        return token if token.include?('Bearer')
+
+        "Bearer #{token}"
+      end
+
       def tokenize(payment_method, options = {})
         post = {}
         add_authorization_type(post, options)
@@ -448,19 +756,21 @@ module ActiveMerchant #:nodoc:
         return true if action == :unstore && response == 204
 
         store_response = response['token'] || response['id']
-        if store_response
-          return true if (action == :tokens && store_response.match(/tok/)) || (action == :store && store_response.match(/src_/))
-        end
-        response['response_summary'] == 'Approved' || response['approved'] == true || !response.key?('response_summary') && response.key?('action_id')
+        return true if store_response && ((action == :tokens && store_response.match(/tok/)) || (action == :store && store_response.match(/src_/)))
+
+        response['response_summary'] == 'Approved' || response['approved'] == true || (!response.key?('response_summary') && response.key?('action_id'))
       end
 
-      def message_from(succeeded, response)
+      def message_from(succeeded, response, options)
         if succeeded
           'Succeeded'
         elsif response['error_type']
-          response['error_type'] + ': ' + response['error_codes'].first
+          return response['error_type'] unless response['error_codes']
+
+          "#{response['error_type']}: #{response['error_codes'].first}"
         else
-          response['response_summary'] || response['response_code'] || response['status'] || response['message'] || 'Unable to read error message'
+          response_summary = response['response_summary'] || response.dig('actions', 0, 'response_summary')
+          response_summary || response['response_code'] || response['status'] || response['message'] || 'Unable to read error message'
         end
       end
 
@@ -481,7 +791,7 @@ module ActiveMerchant #:nodoc:
         raw['id']
       end
 
-      def error_code_from(succeeded, response)
+      def error_code_from(succeeded, response, options)
         return if succeeded
 
         if response['error_type'] && response['error_codes']
@@ -489,7 +799,9 @@ module ActiveMerchant #:nodoc:
         elsif response['error_type']
           response['error_type']
         else
-          STANDARD_ERROR_CODE_MAPPING[response['response_code']]
+          response_code = response['response_code'] || response.dig('actions', 0, 'response_code')
+
+          STANDARD_ERROR_CODE_MAPPING[response_code]
         end
       end
 

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

@@ -1,5 +1,5 @@
-module ActiveMerchant #:nodoc:
-  module Billing #:nodoc:
+module ActiveMerchant # :nodoc:
+  module Billing # :nodoc:
     class ClearhausGateway < Gateway
       self.test_url = 'https://gateway.test.clearhaus.com'
       self.live_url = 'https://gateway.clearhaus.com'