activemerchant 1.46.0 → 1.47.0

checksums.yaml

@@ -1,7 +1,7 @@
 ---
 SHA1:
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-  data.tar.gz: 4ae14dcf7fc8883c819ee1b2c36d00c95f63a7cc
+  metadata.gz: dbec33f0dbb45aa949b164bf0bc376b5aeee2f51
+  data.tar.gz: 6bb77b71ff18e0cdaf18ff62b2fb28e1cace2588
 SHA512:
-  metadata.gz: 337e1502bcf24ff67fc58da0128d2526bb449089df5908c38b02645c56024c760b8239eaaf675570aefcd99fcf654e1c87ad7daeeaf7c34511bcc1a089db1671
-  data.tar.gz: e0d8140445aa478bee95d90dd672df544aec404976b21b5f2583335713518281090509d92e0eeb240dcb618e8741de8d3f287290ea049c06fa61ca3a8bb42a84
+  metadata.gz: 9e34c4f81edd376e109de5d0e2ef50463763c7ea2be6884d401417044336982cb048235c029771ba8b7e99c7a985b91e214d63ee248a25d0d9e6038999fe1fe1
+  data.tar.gz: a9a128c91e69846177d0e3d9f9b51c1295c741423d9780db449a284902f443255f0f54660e2bfc23d89bad67d26d7956a56e19d17a28ed0a5410bfc8fa9e51a5

data/CHANGELOG

@@ -1,5 +1,17 @@
 = ActiveMerchant CHANGELOG
 
+== Version 1.47.0 (February 25, 2015)
+
+* Authorize.Net: Properly send name in shipping address line, when shipping address is provided [girasquid]
+* Payflow: Add verify support [ntalbott]
+* Capture ConnectionError#triggering_exception [ntalbott]
+* Flo2Cash: Map Reference->:order_id (not :invoice) [ntalbott]
+* Flo2Cash: Fix card brand handling [ntalbott]
+* Flo2Cash: Improve error handling & simplify "Simple" gateway [ntalbott]
+* Remove Vindicia gateway [mutemule]
+* Firstdata E4: Support other mastercard string [jcbantuelle]
+* Checkout: Disallow altering endpoint via options [markabe]
+
 == Version 1.46.0 (January 20, 2015)
 
 * CHANGE: drop `offsite_payments` and `active_utils` as dependencies. [wvanbergen]
@@ -24,6 +36,11 @@
 * Pin: Handle JSON parsing exception in response [duff]
 * Improve test suite to test against multiple ActiveSupport versions [wvanbergen]
 * Misc. code cleanup [wvanbergen]
+* Add Flo2Cash gateway [markabe]
+* Litle: Allow order_source override [duff]
+* Quickpay: Add ability to finalize a capture [askehansen]
+* AuthorizeNet: Prevent test mode using live gateway [duff]
+* Add Flo2Cash Simple gateway [markabe]
 
 == Version 1.45.0 (December 1, 2014)
 

data/README.md

@@ -116,6 +116,7 @@ The [ActiveMerchant Wiki](http://github.com/Shopify/active_merchant/wikis) conta
 * [Fat Zebra](https://www.fatzebra.com.au/) - AU
 * [Federated Canada](http://www.federatedcanada.com/) - CA
 * [Finansbank WebPOS](https://www.fbwebpos.com/) - US, TR
+* [Flo2Cash](http://www.flo2cash.co.nz/) - NZ
 * [1stPayGateway.Net](http://1stpaygateway.net/) - US
 * [FirstData Global Gateway e4](http://www.firstdata.com) - CA, US
 * [FirstGiving](http://www.firstgiving.com/) - US
@@ -202,7 +203,6 @@ The [ActiveMerchant Wiki](http://github.com/Shopify/active_merchant/wikis) conta
 * [USA ePay](http://www.usaepay.com/) - US
 * [Verifi](http://www.verifi.com/) - US
 * [ViaKLIX](http://viaklix.com) - US
-* [Vindicia](http://www.vindicia.com/) - US, CA, GB, AU, MX, BR, DE, KR, CN, HK
 * [WebPay](https://webpay.jp/) - JP
 * [WePay](https://www.wepay.com/) - US
 * [Wirecard](http://www.wirecard.com) - AD, CY, GI, IM, MT, RO, CH, AT, DK, GR, IT, MC, SM, TR, BE, EE, HU, LV, NL, SK, GB, BG, FI, IS, LI, NO, SI, VA, FR, IL, LT, PL, ES, CZ, DE, IE, LU, PT, SE

data/lib/active_merchant/billing.rb

@@ -5,6 +5,7 @@ require 'active_merchant/billing/cvv_result'
 require 'active_merchant/billing/credit_card_methods'
 require 'active_merchant/billing/credit_card_formatting'
 require 'active_merchant/billing/credit_card'
+require 'active_merchant/billing/network_tokenization_credit_card'
 require 'active_merchant/billing/base'
 require 'active_merchant/billing/check'
 require 'active_merchant/billing/payment_token'

data/lib/active_merchant/billing/credit_card_methods.rb

@@ -143,16 +143,51 @@ module ActiveMerchant #:nodoc:
             %w[1 2 3 success failure error].include?(number.to_s)
         end
 
+        ODD_LUHN_VALUE = {
+          48 => 0,
+          49 => 1,
+          50 => 2,
+          51 => 3,
+          52 => 4,
+          53 => 5,
+          54 => 6,
+          55 => 7,
+          56 => 8,
+          57 => 9,
+          nil => 0
+        }.freeze
+
+        EVEN_LUHN_VALUE = {
+          48 => 0, # 0 * 2
+          49 => 2, # 1 * 2
+          50 => 4, # 2 * 2
+          51 => 6, # 3 * 2
+          52 => 8, # 4 * 2
+          53 => 1, # 5 * 2 - 9
+          54 => 3, # 6 * 2 - 9
+          55 => 5, # etc ...
+          56 => 7,
+          57 => 9,
+        }.freeze
+
         # Checks the validity of a card number by use of the Luhn Algorithm.
         # Please see http://en.wikipedia.org/wiki/Luhn_algorithm for details.
-        def valid_checksum?(number) #:nodoc:
+        # This implementation is from the luhn_checksum gem, https://github.com/zendesk/luhn_checksum.
+        def valid_checksum?(numbers) #:nodoc:
           sum = 0
-          for i in 0..number.length
-            weight = number[-1 * (i + 2), 1].to_i * (2 - (i % 2))
-            sum += (weight < 10) ? weight : weight - 9
+
+          odd = true
+          numbers.reverse.bytes.each do |number|
+            if odd
+              odd = false
+              sum += ODD_LUHN_VALUE[number]
+            else
+              odd = true
+              sum += EVEN_LUHN_VALUE[number]
+            end
           end
 
-          (number[-1,1].to_i == (10 - sum % 10) % 10)
+          sum % 10 == 0
         end
       end
     end

data/lib/active_merchant/billing/gateways.rb

@@ -1,3 +1,5 @@
+require 'pathname'
+
 module ActiveMerchant
   module Billing
     load_path = Pathname.new(__FILE__ + '/../../..')

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

@@ -123,6 +123,16 @@ module ActiveMerchant #:nodoc:
         end
       end
 
+      def supports_scrubbing?
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((<cardNumber>).+(</cardNumber>)), '\1[FILTERED]\2').
+          gsub(%r((<cardCode>).+(</cardCode>)), '\1[FILTERED]\2')
+      end
+
       private
 
       def add_payment_source(xml, source)
@@ -267,7 +277,11 @@ module ActiveMerchant #:nodoc:
 
         unless shipping_address.blank?
           xml.shipTo do
-            first_name, last_name = names_from(payment_source, shipping_address, options)
+            (first_name, last_name) = if shipping_address[:name]
+              shipping_address[:name].split
+            else
+              [shipping_address[:first_name], shipping_address[:last_name]]
+            end
             xml.firstName(truncate(first_name, 50)) unless empty?(first_name)
             xml.lastName(truncate(last_name, 50)) unless empty?(last_name)
 
@@ -314,16 +328,20 @@ module ActiveMerchant #:nodoc:
 
         avs_result = AVSResult.new(code: response[:avs_result_code])
         cvv_result = CVVResult.new(response[:card_code])
-        Response.new(
-          success_from(response),
-          message_from(response, avs_result, cvv_result),
-          response,
-          authorization: authorization_from(response),
-          test: test?,
-          avs_result: avs_result,
-          cvv_result: cvv_result,
-          fraud_review: fraud_review?(response)
-        )
+        if using_live_gateway_in_test_mode?(response)
+          Response.new(false, "Using a live Authorize.net account in Test Mode is not permitted.")
+        else
+          Response.new(
+            success_from(response),
+            message_from(response, avs_result, cvv_result),
+            response,
+            authorization: authorization_from(response),
+            test: test?,
+            avs_result: avs_result,
+            cvv_result: cvv_result,
+            fraud_review: fraud_review?(response)
+          )
+        end
       end
 
       def post_data
@@ -386,6 +404,10 @@ module ActiveMerchant #:nodoc:
           (empty?(element.content) ? nil : element.content[-4..-1])
         end
 
+        response[:test_request] = if(element = doc.at_xpath("//testRequest"))
+          (empty?(element.content) ? nil : element.content)
+        end
+
         response
       end
 
@@ -425,6 +447,10 @@ module ActiveMerchant #:nodoc:
         return nil unless value
         value.to_s[0, max_size]
       end
+
+      def using_live_gateway_in_test_mode?(response)
+        !test? && response[:test_request] == "1"
+      end
     end
   end
 end

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

@@ -26,8 +26,6 @@ module ActiveMerchant #:nodoc:
       }
 
       def initialize(options = {})
-        @url = (options[:gateway_url] || self.live_url)
-
         requires!(options, :merchant_id, :password)
         super
       end
@@ -166,7 +164,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def commit(action, amount=nil, options={}, &builder)
-        response = parse_xml(ssl_post(@url, build_xml(action, &builder)))
+        response = parse_xml(ssl_post(live_url, build_xml(action, &builder)))
         Response.new(
           (response[:responsecode] == "0"),
           (response[:result] || response[:error_text] || "Unknown Response"),

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

@@ -27,11 +27,13 @@ module ActiveMerchant #:nodoc:
     # * To process pinless debit cards through the pinless debit card
     #   network, your Cybersource merchant account must accept pinless
     #   debit card payments.
+    # * The order of the XML elements does matter, make sure to follow the order in 
+    #   the documentation exactly.
     class CyberSourceGateway < Gateway
       self.test_url = 'https://ics2wstest.ic3.com/commerce/1.x/transactionProcessor'
       self.live_url = 'https://ics2ws.ic3.com/commerce/1.x/transactionProcessor'
 
-      XSD_VERSION = "1.69"
+      XSD_VERSION = "1.109"
 
       # visa, master, american_express, discover
       self.supported_cardtypes = [:visa, :master, :american_express, :discover]
@@ -241,8 +243,8 @@ module ActiveMerchant #:nodoc:
       def build_auth_request(money, creditcard_or_reference, options)
         xml = Builder::XmlMarkup.new :indent => 2
         add_payment_method_or_subscription(xml, money, creditcard_or_reference, options)
-        add_auth_service(xml)
-        add_business_rules_data(xml, options)
+        add_auth_service(xml, creditcard_or_reference, options)
+        add_business_rules_data(xml, creditcard_or_reference, options)
         xml.target!
       end
 
@@ -253,7 +255,7 @@ module ActiveMerchant #:nodoc:
         add_line_item_data(xml, options)
         add_purchase_data(xml, 0, false, options)
         add_tax_service(xml)
-        add_business_rules_data(xml, options)
+        add_business_rules_data(xml, creditcard, options)
         xml.target!
       end
 
@@ -264,7 +266,7 @@ module ActiveMerchant #:nodoc:
         xml = Builder::XmlMarkup.new :indent => 2
         add_purchase_data(xml, money, true, options)
         add_capture_service(xml, request_id, request_token)
-        add_business_rules_data(xml, options)
+        add_business_rules_data(xml, authorization, options)
         xml.target!
       end
 
@@ -274,8 +276,8 @@ module ActiveMerchant #:nodoc:
         if !payment_method_or_reference.is_a?(String) && card_brand(payment_method_or_reference) == 'check'
           add_check_service(xml)
         else
-          add_purchase_service(xml, options)
-          add_business_rules_data(xml, options) unless options[:pinless_debit_card]
+          add_purchase_service(xml, payment_method_or_reference, options)
+          add_business_rules_data(xml, payment_method_or_reference, options) unless options[:pinless_debit_card]
         end
         xml.target!
       end
@@ -340,11 +342,11 @@ module ActiveMerchant #:nodoc:
           if card_brand(payment_method) == 'check'
             add_check_service(xml, options)
           else
-            add_purchase_service(xml, options)
+            add_purchase_service(xml, payment_method, options)
           end
         end
         add_subscription_create_service(xml, options)
-        add_business_rules_data(xml, options)
+        add_business_rules_data(xml, payment_method, options)
         xml.target!
       end
 
@@ -356,7 +358,7 @@ module ActiveMerchant #:nodoc:
         add_creditcard_payment_method(xml) if creditcard
         add_subscription(xml, options, reference)
         add_subscription_update_service(xml, options)
-        add_business_rules_data(xml, options)
+        add_business_rules_data(xml, creditcard, options)
         xml.target!
       end
 
@@ -381,12 +383,14 @@ module ActiveMerchant #:nodoc:
         xml.target!
       end
 
-      def add_business_rules_data(xml, options)
+      def add_business_rules_data(xml, payment_method, options)
         prioritized_options = [options, @options]
 
-        xml.tag! 'businessRules' do
-          xml.tag!('ignoreAVSResult', 'true') if extract_option(prioritized_options, :ignore_avs)
-          xml.tag!('ignoreCVResult', 'true') if extract_option(prioritized_options, :ignore_cvv)
+        unless network_tokenization?(payment_method)
+          xml.tag! 'businessRules' do
+            xml.tag!('ignoreAVSResult', 'true') if extract_option(prioritized_options, :ignore_avs)
+            xml.tag!('ignoreCVResult', 'true') if extract_option(prioritized_options, :ignore_cvv)
+          end
         end
       end
 
@@ -468,8 +472,48 @@ module ActiveMerchant #:nodoc:
         end
       end
 
-      def add_auth_service(xml)
-        xml.tag! 'ccAuthService', {'run' => 'true'}
+      def add_auth_service(xml, payment_method, options)
+        if network_tokenization?(payment_method)
+          add_network_tokenization(xml, payment_method, options)
+        else
+          xml.tag! 'ccAuthService', {'run' => 'true'}
+        end
+      end
+
+      def network_tokenization?(payment_method)
+        payment_method.is_a?(NetworkTokenizationCreditCard)
+      end
+
+      def add_network_tokenization(xml, payment_method, options)
+        return unless network_tokenization?(payment_method)
+
+        case card_brand(payment_method).to_sym
+        when :visa
+          xml.tag! 'ccAuthService', {'run' => 'true'} do
+            xml.tag!("cavv", payment_method.payment_cryptogram)
+            xml.tag!("commerceIndicator", "vbv")
+            xml.tag!("xid", payment_method.payment_cryptogram)
+          end
+        when :mastercard
+          xml.tag! 'ucaf' do
+            xml.tag!("authenticationData", payment_method.payment_cryptogram)
+            xml.tag!("collectionIndicator", "2")
+          end
+          xml.tag! 'ccAuthService', {'run' => 'true'} do
+            xml.tag!("commerceIndicator", "spa")
+          end
+        when :american_express
+          cryptogram = Base64.decode64(payment_method.payment_cryptogram)
+          xml.tag! 'ccAuthService', {'run' => 'true'} do
+            xml.tag!("cavv", Base64.encode64(cryptogram[0...20]))
+            xml.tag!("commerceIndicator", "aesk")
+            xml.tag!("xid", Base64.encode64(cryptogram[20...40]))
+          end
+        end
+
+        xml.tag! 'paymentNetworkToken' do
+          xml.tag!('transactionType', "1")
+        end
       end
 
       def add_capture_service(xml, request_id, request_token)
@@ -479,11 +523,11 @@ module ActiveMerchant #:nodoc:
         end
       end
 
-      def add_purchase_service(xml, options)
+      def add_purchase_service(xml, payment_method, options)
         if options[:pinless_debit_card]
           xml.tag! 'pinlessDebitService', {'run' => 'true'}
         else
-          xml.tag! 'ccAuthService', {'run' => 'true'}
+          add_auth_service(xml, payment_method, options)
           xml.tag! 'ccCaptureService', {'run' => 'true'}
         end
       end

data/lib/active_merchant/billing/gateways/firstdata_e4.rb

@@ -32,6 +32,8 @@ module ActiveMerchant #:nodoc:
         :discover => "Discover"
       }
 
+      E4_BRANDS = BRANDS.merge({:mastercard => "Mastercard"})
+
       self.supported_cardtypes = BRANDS.keys
       self.supported_countries = ["CA", "US"]
       self.default_currency = "USD"
@@ -106,6 +108,16 @@ module ActiveMerchant #:nodoc:
         commit(:store, build_store_request(credit_card, options), credit_card)
       end
 
+      def supports_scrubbing?
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((<Card_Number>).+(</Card_Number>)), '\1[FILTERED]\2').
+          gsub(%r((<VerificationStr2>).+(</VerificationStr2>)), '\1[FILTERED]\2')
+      end
+
       private
 
       def build_request(action, body)
@@ -250,7 +262,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def card_type(credit_card_brand)
-        BRANDS[credit_card_brand.to_sym] if credit_card_brand
+        E4_BRANDS[credit_card_brand.to_sym] if credit_card_brand
       end
 
       def commit(action, request, credit_card = nil)
@@ -263,7 +275,7 @@ module ActiveMerchant #:nodoc:
 
         Response.new(successful?(response), message_from(response), response,
           :test => test?,
-          :authorization => response_authorization(action, response, credit_card),
+          :authorization => successful?(response) ? response_authorization(action, response, credit_card) : '',
           :avs_result => {:code => response[:avs]},
           :cvv_result => response[:cvv2]
         )

data/lib/active_merchant/billing/gateways/flo2cash.rb

@@ -0,0 +1,215 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class Flo2cashGateway < Gateway
+      self.display_name = 'Flo2Cash'
+      self.homepage_url = 'http://www.flo2cash.co.nz/'
+
+      self.test_url = 'https://demo.flo2cash.co.nz/ws/paymentws.asmx'
+      self.live_url = 'https://secure.flo2cash.co.nz/ws/paymentws.asmx'
+
+      self.supported_countries = ['NZ']
+      self.default_currency = 'NZD'
+      self.money_format = :dollars
+      self.supported_cardtypes = [:visa, :master, :american_express, :diners_club]
+
+      BRAND_MAP = {
+        "visa" => "VISA",
+        "master" => "MC",
+        "american_express" => "AMEX",
+        "diners_club" => "DINERS"
+      }
+
+      def initialize(options={})
+        requires!(options, :username, :password, :account_id)
+        super
+      end
+
+      def purchase(amount, payment_method, options={})
+        MultiResponse.run do |r|
+          r.process { authorize(amount, payment_method, options) }
+          r.process { capture(amount, r.authorization, options) }
+        end
+      end
+
+      def authorize(amount, payment_method, options={})
+        post = {}
+        add_invoice(post, amount, options)
+        add_payment_method(post, payment_method)
+        add_customer_data(post, options)
+
+        commit("ProcessAuthorise", post)
+      end
+
+      def capture(amount, authorization, options={})
+        post = {}
+        add_invoice(post, amount, options)
+        add_reference(post, authorization)
+        add_customer_data(post, options)
+
+        commit("ProcessCapture", post)
+      end
+
+      def refund(amount, authorization, options={})
+        post = {}
+        add_invoice(post, amount, options)
+        add_reference(post, authorization)
+        add_customer_data(post, options)
+
+        commit("ProcessRefund", post)
+      end
+
+      def supports_scrubbing?
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((<Password>)[^<]+(<))i, '\1[FILTERED]\2').
+          gsub(%r((<CardNumber>)[^<]+(<))i, '\1[FILTERED]\2').
+          gsub(%r((<CardCSC>)[^<]+(<))i, '\1[FILTERED]\2')
+      end
+
+      private
+
+      CURRENCY_CODES = Hash.new{|h,k| raise ArgumentError.new("Unsupported currency: #{k}")}
+      CURRENCY_CODES["NZD"] = "554"
+
+      def add_invoice(post, money, options)
+        post[:Amount] = amount(money)
+        post[:Reference] = options[:order_id]
+        post[:Particular] = options[:description]
+      end
+
+      def add_payment_method(post, payment_method)
+        post[:CardNumber] = payment_method.number
+        post[:CardType] = BRAND_MAP[payment_method.brand.to_s]
+        post[:CardExpiry] = format(payment_method.month, :two_digits) + format(payment_method.year, :two_digits)
+        post[:CardHolderName] = payment_method.name
+        post[:CardCSC] = payment_method.verification_value
+      end
+
+      def add_customer_data(post, options)
+        if(billing_address = (options[:billing_address] || options[:address]))
+          post[:Email] = billing_address[:email]
+        end
+      end
+
+      def add_reference(post, authorization)
+        post[:OriginalTransactionId] = authorization
+      end
+
+      def commit(action, post)
+        post[:Username] = @options[:username]
+        post[:Password] = @options[:password]
+        post[:AccountId] = @options[:account_id]
+
+        data = build_request(action, post)
+        begin
+          raw = parse(ssl_post(url, data, headers(action)), action)
+        rescue ActiveMerchant::ResponseError => e
+          if(e.response.code == "500" && e.response.body.start_with?("<?xml"))
+            raw = parse(e.response.body, action)
+          else
+            raise
+          end
+        end
+
+        succeeded = success_from(raw[:status])
+        Response.new(
+          succeeded,
+          message_from(succeeded, raw),
+          raw,
+          :authorization => authorization_from(action, raw[:transaction_id], post[:OriginalTransactionId]),
+          :error_code => error_code_from(succeeded, raw),
+          :test => test?
+        )
+      end
+
+      def headers(action)
+        {
+          'Content-Type'  => 'application/soap+xml; charset=utf-8',
+          'SOAPAction'    => %{"http://www.flo2cash.co.nz/webservices/paymentwebservice/#{action}"}
+        }
+      end
+
+      def build_request(action, post)
+        xml = Builder::XmlMarkup.new :indent => 2
+        post.each do |field, value|
+          xml.tag!(field, value)
+        end
+        body = xml.target!
+        envelope_wrap(action, body)
+      end
+
+      def envelope_wrap(action, body)
+        <<-EOS
+<?xml version="1.0" encoding="utf-8"?>
+<soap12:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap12="http://www.w3.org/2003/05/soap-envelope">
+  <soap12:Body>
+    <#{action} xmlns="http://www.flo2cash.co.nz/webservices/paymentwebservice">
+      #{body}
+    </#{action}>
+  </soap12:Body>
+</soap12:Envelope>
+        EOS
+      end
+
+      def url
+        (test? ? test_url : live_url)
+      end
+
+      def parse(body, action)
+        response = {}
+        xml = REXML::Document.new(body)
+        root = (REXML::XPath.first(xml, "//#{action}Response") || REXML::XPath.first(xml, "//detail"))
+
+        root.elements.to_a.each do |node|
+          parse_element(response, node)
+        end if root
+
+        response
+      end
+
+      def parse_element(response, node)
+        if node.has_elements?
+          node.elements.each{|element| parse_element(response, element) }
+        else
+          response[node.name.underscore.to_sym] = node.text
+        end
+      end
+
+      def success_from(response)
+        response == 'SUCCESSFUL'
+      end
+
+      def message_from(succeeded, response)
+        if succeeded
+          "Succeeded"
+        else
+          response[:message] || response[:errormessage] || "Unable to read error message"
+        end
+      end
+
+      def authorization_from(action, current, original)
+        # Refunds require the authorization from the authorize() of the MultiResponse.
+        if action == 'ProcessCapture'
+          original
+        else
+          current
+        end
+      end
+
+      STANDARD_ERROR_CODE_MAPPING = {
+        'Transaction Declined - Expired Card' => STANDARD_ERROR_CODE[:expired_card],
+        'Bank Declined Transaction' => STANDARD_ERROR_CODE[:card_declined],
+        'Insufficient Funds' => STANDARD_ERROR_CODE[:card_declined],
+        'Transaction Declined - Bank Error' => STANDARD_ERROR_CODE[:processing_error],
+        'No Reply from Bank' => STANDARD_ERROR_CODE[:processing_error],
+      }
+
+      def error_code_from(succeeded, response)
+        succeeded ? nil : STANDARD_ERROR_CODE_MAPPING[response[:message]]
+      end
+    end
+  end
+end