activemerchant 1.66.0 → 1.67.0

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

@@ -2,33 +2,6 @@ require 'active_merchant/billing/gateways/viaklix'
 
 module ActiveMerchant #:nodoc:
   module Billing #:nodoc:
-    # = Elavon Virtual Merchant Gateway
-    #
-    # == Example use:
-    #
-    #   gateway = ActiveMerchant::Billing::ElavonGateway.new(
-    #               :login     => "my_virtual_merchant_id",
-    #               :password  => "my_virtual_merchant_pin",
-    #               :user      => "my_virtual_merchant_user_id" # optional
-    #            )
-    #
-    #   # set up credit card obj as in main ActiveMerchant example
-    #   creditcard = ActiveMerchant::Billing::CreditCard.new(
-    #     :type       => 'visa',
-    #     :number     => '41111111111111111',
-    #     :month      => 10,
-    #     :year       => 2011,
-    #     :first_name => 'Bob',
-    #     :last_name  => 'Bobsen'
-    #   )
-    #
-    #   # run request
-    #   response = gateway.purchase(1000, creditcard) # authorize and capture 10 USD
-    #
-    #   puts response.success?      # Check whether the transaction was successful
-    #   puts response.message       # Retrieve the message returned by Elavon
-    #   puts response.authorization # Retrieve the unique transaction ID returned by Elavon
-    #
     class ElavonGateway < Gateway
       include Empty
 
@@ -55,23 +28,11 @@ module ActiveMerchant #:nodoc:
         :update => 'CCUPDATETOKEN',
       }
 
-      # Initialize the Gateway
-      #
-      # The gateway requires that a valid login and password be passed
-      # in the +options+ hash.
-      #
-      # ==== Options
-      #
-      # * <tt>:login</tt> -- Merchant ID
-      # * <tt>:password</tt> -- PIN
-      # * <tt>:user</tt> -- Specify a subuser of the account (optional)
-      # * <tt>:test => +true+ or +false+</tt> -- Force test transactions
       def initialize(options = {})
         requires!(options, :login, :password)
         super
       end
 
-      # Make a purchase
       def purchase(money, payment_method, options = {})
         form = {}
         add_salestax(form, options)
@@ -85,16 +46,9 @@ module ActiveMerchant #:nodoc:
         add_customer_data(form, options)
         add_test_mode(form, options)
         add_ip(form, options)
-        commit(:purchase, money, form)
+        commit(:purchase, money, form, options)
       end
 
-      # Authorize a credit card for a given amount.
-      #
-      # ==== Parameters
-      # * <tt>money</tt> - The amount to be authorized as an Integer value in cents.
-      # * <tt>credit_card</tt> - The CreditCard details for the transaction.
-      # * <tt>options</tt>
-      #   * <tt>:billing_address</tt> - The billing address for the cardholder.
       def authorize(money, creditcard, options = {})
         form = {}
         add_salestax(form, options)
@@ -104,16 +58,9 @@ module ActiveMerchant #:nodoc:
         add_customer_data(form, options)
         add_test_mode(form, options)
         add_ip(form, options)
-        commit(:authorize, money, form)
+        commit(:authorize, money, form, options)
       end
 
-      # Capture authorized funds from a credit card.
-      #
-      # ==== Parameters
-      # * <tt>money</tt> - The amount to be captured as an Integer value in cents.
-      # * <tt>authorization</tt> - The approval code returned from the initial authorization.
-      # * <tt>options</tt>
-      #   * <tt>:credit_card</tt> - The CreditCard details from the initial transaction (required).
       def capture(money, authorization, options = {})
         form = {}
         if options[:credit_card]
@@ -130,45 +77,23 @@ module ActiveMerchant #:nodoc:
           add_partial_shipment_flag(form, options)
           add_test_mode(form, options)
         end
-        commit(action, money, form)
-      end
-
-      # Refund a transaction.
-      #
-      # This transaction indicates to the gateway that
-      # money should flow from the merchant to the customer.
-      #
-      # ==== Parameters
-      #
-      # * <tt>money</tt> -- The amount to be credited to the customer as an Integer value in cents.
-      # * <tt>identification</tt> -- The ID of the original transaction against which the refund is being issued.
-      # * <tt>options</tt> -- A hash of parameters.
+        commit(action, money, form, options)
+      end
+
       def refund(money, identification, options = {})
         form = {}
         add_txn_id(form, identification)
         add_test_mode(form, options)
-        commit(:refund, money, form)
+        commit(:refund, money, form, options)
       end
 
-      # Void a previous transaction
-      #
-      # ==== Parameters
-      #
-      # * <tt>authorization</tt> - The authorization returned from the previous request.
       def void(identification, options = {})
         form = {}
         add_txn_id(form, identification)
         add_test_mode(form, options)
-        commit(:void, nil, form)
+        commit(:void, nil, form, options)
       end
 
-      # Make a credit to a card.  Use the refund method if you'd like to credit using
-      # previous transaction
-      #
-      # ==== Parameters
-      # * <tt>money</tt> - The amount to be credited as an Integer value in cents.
-      # * <tt>creditcard</tt> - The credit card to be credited.
-      # * <tt>options</tt>
       def credit(money, creditcard, options = {})
         if creditcard.is_a?(String)
           raise ArgumentError, "Reference credits are not supported. Please supply the original credit card or use the #refund method."
@@ -180,7 +105,7 @@ module ActiveMerchant #:nodoc:
         add_address(form, options)
         add_customer_data(form, options)
         add_test_mode(form, options)
-        commit(:credit, money, form)
+        commit(:credit, money, form, options)
       end
 
       def verify(credit_card, options = {})
@@ -198,7 +123,7 @@ module ActiveMerchant #:nodoc:
         add_test_mode(form, options)
         add_verification(form, options)
         form[:add_token] = 'Y'
-        commit(:store, nil, form)
+        commit(:store, nil, form, options)
       end
 
       def update(token, creditcard, options = {})
@@ -208,7 +133,7 @@ module ActiveMerchant #:nodoc:
         add_address(form, options)
         add_customer_data(form, options)
         add_test_mode(form, options)
-        commit(:update, nil, form)
+        commit(:update, nil, form, options)
       end
 
       private
@@ -255,6 +180,11 @@ module ActiveMerchant #:nodoc:
         form[:email] = truncate(options[:email], 100) unless empty?(options[:email])
         form[:customer_code] = truncate(options[:customer], 10) unless empty?(options[:customer])
         form[:customer_number] = options[:customer_number] unless empty?(options[:customer_number])
+        if options[:custom_fields]
+          options[:custom_fields].each do |key, value|
+            form[key.to_s] = value
+          end
+        end
       end
 
       def add_salestax(form, options)
@@ -313,11 +243,11 @@ module ActiveMerchant #:nodoc:
         !response.has_key?('errorMessage')
       end
 
-      def commit(action, money, parameters)
+      def commit(action, money, parameters, options)
         parameters[:amount] = amount(money)
         parameters[:transaction_type] = self.actions[action]
 
-        response = parse( ssl_post(test? ? self.test_url : self.live_url, post_data(parameters)) )
+        response = parse( ssl_post(test? ? self.test_url : self.live_url, post_data(parameters, options)) )
 
         Response.new(response['result'] == '0', message_from(response), response,
           :test => @options[:test] || test?,
@@ -327,21 +257,22 @@ module ActiveMerchant #:nodoc:
         )
       end
 
-      def post_data(parameters)
+      def post_data(parameters, options)
         result = preamble
         result.merge!(parameters)
-        result.collect { |key, value| post_data_string(key, value) }.join("&")
+        result.collect { |key, value| post_data_string(key, value, options) }.join("&")
       end
 
-      def post_data_string(key, value)
-        if custom_field?(key)
+      def post_data_string(key, value, options)
+        if custom_field?(key, options)
           "#{key}=#{CGI.escape(value.to_s)}"
         else
           "ssl_#{key}=#{CGI.escape(value.to_s)}"
         end
       end
 
-      def custom_field?(field_name)
+      def custom_field?(field_name, options)
+        return true if options[:custom_fields] && options[:custom_fields].include?(field_name.to_sym)
         field_name == :customer_number
       end
 

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

@@ -14,23 +14,11 @@ module ActiveMerchant #:nodoc:
       self.homepage_url = 'https://www.fatzebra.com.au/'
       self.display_name = 'Fat Zebra'
 
-      # Setup a new instance of the gateway.
-      #
-      # The options hash should include :username and :token
-      # You can find your username and token at https://dashboard.fatzebra.com.au
-      # Under the Your Account section
       def initialize(options = {})
         requires!(options, :username, :token)
         super
       end
 
-      # To create a purchase on a credit card use:
-      #
-      #   purchase(money, creditcard)
-      #
-      # To charge a tokenized card
-      #
-      #   purchase(money, "abzy87u", :cvv => "123")
       def purchase(money, creditcard, options = {})
         post = {}
 
@@ -65,11 +53,6 @@ module ActiveMerchant #:nodoc:
         commit(:post, "purchases/#{CGI.escape(authorization)}/capture", post)
       end
 
-      # Refund a transaction
-      #
-      # amount - Integer - the amount to refund
-      # txn_id - String - the original transaction to be refunded
-      # reference - String - your transaction reference
       def refund(money, txn_id, options={})
         post = {}
 
@@ -81,9 +64,6 @@ module ActiveMerchant #:nodoc:
         commit(:post, "refunds", post)
       end
 
-      # Tokenize a credit card
-      #
-      # The token is returned in the Response#authorization
       def store(creditcard, options={})
         post = {}
         add_creditcard(post, creditcard)
@@ -104,14 +84,12 @@ module ActiveMerchant #:nodoc:
 
       private
 
-      # Add the money details to the request
       def add_amount(post, money, options)
         post[:currency] = (options[:currency] || currency(money))
         post[:currency] = post[:currency].upcase if post[:currency]
         post[:amount] = money
       end
 
-      # Add the credit card details to the request
       def add_creditcard(post, creditcard, options = {})
         if creditcard.respond_to?(:number)
           post[:card_number] = creditcard.number
@@ -134,7 +112,7 @@ module ActiveMerchant #:nodoc:
         extra = {}
         extra[:ecm] = "32" if options[:recurring]
         extra[:cavv] = options[:cavv] if options[:cavv]
-        extra[:xid] = options[:cavv] if options[:xid]
+        extra[:xid] = options[:xid] if options[:xid]
         extra[:sli] = options[:sli] if options[:sli]
         extra[:name] = options[:merchant] if options[:merchant]
         extra[:location] = options[:merchant_location] if options[:merchant_location]
@@ -149,7 +127,6 @@ module ActiveMerchant #:nodoc:
         post[:customer_ip] = options[:ip] || "127.0.0.1"
       end
 
-      # Post the data to the gateway
       def commit(method, uri, parameters=nil)
         response = begin
           parse(ssl_request(method, get_url(uri), parameters.to_json, headers))
@@ -194,7 +171,6 @@ module ActiveMerchant #:nodoc:
         end
       end
 
-      # Parse the returned JSON, if parse errors are raised then return a detailed error.
       def parse(response)
         begin
           JSON.parse(response)
@@ -209,13 +185,11 @@ module ActiveMerchant #:nodoc:
         end
       end
 
-      # Build the URL based on the AM mode and the URI
       def get_url(uri)
         base = test? ? self.test_url : self.live_url
         base + "/" + uri
       end
 
-      # Builds the auth and U-A headers for the request
       def headers
         {
           "Authorization" => "Basic " + Base64.strict_encode64(@options[:username].to_s + ":" + @options[:token].to_s).strip,

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

@@ -34,6 +34,8 @@ module ActiveMerchant #:nodoc:
 
       E4_BRANDS = BRANDS.merge({:mastercard => "Mastercard"})
 
+      DEFAULT_ECI = "07"
+
       self.supported_cardtypes = BRANDS.keys
       self.supported_countries = ["CA", "US"]
       self.default_currency = "USD"
@@ -235,6 +237,9 @@ module ActiveMerchant #:nodoc:
           xml.tag! "CardHoldersName", credit_card.name
           xml.tag! "CardType", card_type(credit_card.brand)
 
+          eci = (credit_card.respond_to?(:eci) ? credit_card.eci : nil) || options[:eci] || DEFAULT_ECI
+          xml.tag! "Ecommerce_Flag", eci
+
           add_credit_card_verification_strings(xml, credit_card, options)
         end
       end
@@ -256,8 +261,6 @@ module ActiveMerchant #:nodoc:
       end
 
       def add_network_tokenization_credit_card(xml, credit_card)
-        xml.tag!("Ecommerce_Flag", credit_card.eci)
-
         case card_brand(credit_card).to_sym
         when :visa
           xml.tag!("XID", credit_card.transaction_id) if credit_card.transaction_id
@@ -275,7 +278,6 @@ module ActiveMerchant #:nodoc:
       def add_card_authentication_data(xml, options)
         xml.tag! "CAVV", options[:cavv]
         xml.tag! "XID", options[:xid]
-        xml.tag! "Ecommerce_Flag", options[:eci]
       end
 
       def add_credit_card_token(xml, store_authorization)

data/lib/active_merchant/billing/gateways/jetpay_v2.rb

@@ -0,0 +1,410 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class JetpayV2Gateway < Gateway
+      self.test_url = 'https://test1.jetpay.com/jetpay'
+      self.live_url = 'https://gateway20.jetpay.com/jetpay'
+
+      self.money_format = :cents
+      self.default_currency = 'USD'
+      self.supported_countries = ['US', 'CA']
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+
+      self.homepage_url = 'http://www.jetpay.com'
+      self.display_name = 'JetPay'
+
+      API_VERSION = '2.2'
+
+      ACTION_CODE_MESSAGES = {
+        "000" =>  "Approved.",
+        "001" =>  "Refer to card issuer.",
+        "002" =>  "Refer to card issuer, special condition.",
+        "003" =>  "Invalid merchant or service provider.",
+        "004" =>  "Pick up card.",
+        "005" =>  "Do not honor.",
+        "006" =>  "Error.",
+        "007" =>  "Pick up card, special condition.",
+        "008" =>  "Honor with ID (Show ID).",
+        "010" =>  "Partial approval.",
+        "011" =>  "VIP approval.",
+        "012" =>  "Invalid transaction.",
+        "013" =>  "Invalid amount or exceeds maximum for card program.",
+        "014" =>  "Invalid account number (no such number).",
+        "015" =>  "No such issuer.",
+        "019" =>  "Re-enter Transaction.",
+        "021" =>  "No action taken (unable to back out prior transaction).",
+        "025" =>  "Transaction Not Found.",
+        "027" =>  "File update field edit error.",
+        "028" =>  "File is temporarily unavailable.",
+        "030" =>  "Format error.",
+        "039" =>  "No credit account.",
+        "041" =>  "Pick up card (lost card).",
+        "043" =>  "Pick up card (stolen card).",
+        "051" =>  "Insufficient funds.",
+        "052" =>  "No checking account.",
+        "053" =>  "Mp savomgs accpimt.",
+        "054" =>  "Expired Card.",
+        "055" =>  "Incorrect PIN.",
+        "057" =>  "Transaction not permitted to cardholder.",
+        "058" =>  "Transaction not allowed at terminal.",
+        "061" =>  "Exceeds withdrawal limit.",
+        "062" =>  "Restricted card (eg, Country Exclusion).",
+        "063" =>  "Security violation.",
+        "065" =>  "Activity count limit exceeded.",
+        "068" =>  "Response late.",
+        "070" =>  "Contact card issuer.",
+        "071" =>  "PIN not changed.",
+        "075" =>  "Allowable number of PIN-entry tries exceeded.",
+        "076" =>  "Unable to locate previous message (no matching retrieval reference number).",
+        "077" =>  "Repeat or reversal data are inconsistent with original message.",
+        "078" =>  "Blocked (first use), or non-existent account.",
+        "079" =>  "Key exchange validation failed.",
+        "080" =>  "Credit issuer unavailable or invalid date.",
+        "081" =>  "PIN cryptographic error found.",
+        "082" =>  "Negative online CVV results.",
+        "084" =>  "Invalid auth life cycle.",
+        "085" =>  "No reason to decline - CVV or AVS approved.",
+        "086" =>  "Cannot verify PIN.",
+        "087" =>  "Cashback not allowed.",
+        "089" =>  "Issuer Down.",
+        "091" =>  "Issuer Down.",
+        "092" =>  "Unable to route transaction.",
+        "093" =>  "Transaction cannot be completed - violation of law.",
+        "094" =>  "Duplicate transmission.",
+        "096" =>  "System error.",
+        "100" =>  "Deny.",
+        "101" =>  "Expired Card.",
+        "103" =>  "Deny - Invalid manual Entry 4DBC.",
+        "104" =>  "Deny - New card issued.",
+        "105" =>  "Deny - Account Cancelled.",
+        "106" =>  "Exceeded PIN Attempts.",
+        "107" =>  "Please Call Issuer.",
+        "109" =>  "Invalid merchant.",
+        "110" =>  "Invalid amount.",
+        "111" =>  "Invalid account.",
+        "115" =>  "Service not permitted.",
+        "117" =>  "Invalid PIN.",
+        "119" =>  "Card member not enrolled.",
+        "122" =>  "Invalid card (CID) security code.",
+        "125" =>  "Invalid effective date.",
+        "181" =>  "Format error.",
+        "182" =>  "Please wait.",
+        "183" =>  "Invalid currency code.",
+        "187" =>  "Deny - new card issued.",
+        "188" =>  "Deny - Expiration date required.",
+        "189" =>  "Deny - Cancelled or Closed Merchant/SE.",
+        "200" =>  "Deny - Pick up card.",
+        "400" =>  "Reversal accepted.",
+        "601" =>  "Reject - EMV Chip Declined Transaction.",
+        "602" =>  "Reject - Suspected Fraud.",
+        "603" =>  "Reject - Communications Error.",
+        "604" =>  "Reject - Insufficient Approval.",
+        "750" =>  "Velocity Check Fail.",
+        "899" =>  "Misc Decline.",
+        "900" =>  "Invalid Message Type.",
+        "901" =>  "Invalid Merchant ID.",
+        "903" =>  "Debit not supported.",
+        "904" =>  "Private label not supported.",
+        "905" =>  "Invalid card type.",
+        "906" =>  "Unit not active.",
+        "908" =>  "Manual card entry invalid.",
+        "909" =>  "Invalid track information.",
+        "911" =>  "Master merchant not found.",
+        "912" =>  "Invalid card format.",
+        "913" =>  "Invalid card type.",
+        "914" =>  "Invalid card length.",
+        "917" =>  "Expired card.",
+        "919" =>  "Invalid entry type.",
+        "920" =>  "Invalid amount.",
+        "921" =>  "Invalid messge format.",
+        "923" =>  "Invalid ABA.",
+        "924" =>  "Invalid DDA.",
+        "925" =>  "Invalid TID.",
+        "926" =>  "Invalid Password.",
+        "930" =>  "Invalid zipcode.",
+        "931" =>  "Invalid Address.",
+        "932" =>  "Invalid ZIP and Address.",
+        "933" =>  "Invalid CVV2.",
+        "934" =>  "Program Not Allowed.",
+        "935" =>  "Invalid Device/App.",
+        "940" =>  "Record Not Found.",
+        "941" =>  "Merchant ID error.",
+        "942" =>  "Refund Not Allowed.",
+        "943" =>  "Refund denied.",
+        "955" =>  "Invalid PIN block.",
+        "956" =>  "Invalid KSN.",
+        "958" =>  "Bad Status.",
+        "959" =>  "Seek Record limit exceeded.",
+        "960" =>  "Internal Key Database Error.",
+        "961" =>  "TRANS not Supported. Cash Disbursement required a specific MCC.",
+        "962" =>  "Invalid PIN key (Unknown KSN).",
+        "981" =>  "Invalid AVS.",
+        "987" =>  "Issuer Unavailable.",
+        "988" =>  "System error SD.",
+        "989" =>  "Database Error.",
+        "992" =>  "Transaction Timeout.",
+        "996" =>  "Bad Terminal ID.",
+        "997" =>  "Message rejected by association.",
+        "999" =>  "Communication failure",
+        nil   =>  "No response returned (missing credentials?)."
+      }
+
+      def initialize(options = {})
+        requires!(options, :login)
+        super
+      end
+
+      def purchase(money, credit_card, options = {})
+        commit(money, build_sale_request(money, credit_card, options))
+      end
+
+      def authorize(money, credit_card, options = {})
+        commit(money, build_authonly_request(money, credit_card, options))
+      end
+
+      def capture(money, reference, options = {})
+        split_authorization = reference.split(";")
+        transaction_id = split_authorization[0]
+        token = split_authorization[3]
+        commit(money, build_capture_request(transaction_id, money, options), token)
+      end
+
+      def void(reference, options = {})
+        transaction_id, approval, amount, token = reference.split(";")
+        commit(amount.to_i, build_void_request(amount.to_i, transaction_id, approval, token, options), token)
+      end
+
+      def credit(money, credit_card, options = {})
+        commit(money, build_credit_request(money, nil, credit_card, nil, options))
+      end
+
+      def refund(money, reference, options = {})
+        split_authorization = reference.split(";")
+        transaction_id = split_authorization[0]
+        token = split_authorization[3]
+        commit(money, build_credit_request(money, transaction_id, nil, token, options))
+      end
+
+      def verify(credit_card, options={})
+        authorize(0, credit_card, options)
+      end
+
+      def supports_scrubbing
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((Authorization: Basic )\w+), '\1[FILTERED]').
+          gsub(%r((>)\d+(</CardNum>)), '\1[FILTERED]\2').
+          gsub(%r((<CVV2>)\d+(</CVV2>)), '\1[FILTERED]\2')
+      end
+
+      private
+
+      def build_xml_request(transaction_type, options = {}, transaction_id = nil, &block)
+        xml = Builder::XmlMarkup.new
+        xml.tag! 'JetPay', 'Version' => API_VERSION do
+          # Basic values needed for any request
+          xml.tag! 'TerminalID', @options[:login]
+          xml.tag! 'TransactionType', transaction_type
+          xml.tag! 'TransactionID', transaction_id.nil? ? generate_unique_id.slice(0, 18) : transaction_id
+          xml.tag! 'Origin', options[:origin] || 'INTERNET'
+          xml.tag! 'IndustryInfo', 'Type' => options[:industry_info] || 'ECOMMERCE'
+          xml.tag! 'Application', (options[:application] || 'n/a'), {'Version' => options[:application_version] || '1.0'}
+          xml.tag! 'Device', (options[:device] || 'n/a'), {'Version' => options[:device_version] || '1.0'}
+          xml.tag! 'Library', 'VirtPOS SDK', 'Version' => '1.5'
+          xml.tag! 'Gateway', 'JetPay'
+          xml.tag! 'DeveloperID', options[:developer_id] || 'n/a'
+
+          if block_given?
+            yield xml
+          else
+            xml.target!
+          end
+        end
+      end
+
+      def build_sale_request(money, credit_card, options)
+        build_xml_request('SALE', options) do |xml|
+          add_credit_card(xml, credit_card)
+          add_addresses(xml, options)
+          add_customer_data(xml, options)
+          add_invoice_data(xml, options)
+          add_user_defined_fields(xml, options)
+          xml.tag! 'TotalAmount', amount(money)
+
+          xml.target!
+        end
+      end
+
+      def build_authonly_request(money, credit_card, options)
+        build_xml_request('AUTHONLY', options) do |xml|
+          add_credit_card(xml, credit_card)
+          add_addresses(xml, options)
+          add_customer_data(xml, options)
+          add_invoice_data(xml, options)
+          add_user_defined_fields(xml, options)
+          xml.tag! 'TotalAmount', amount(money)
+
+          xml.target!
+        end
+      end
+
+      def build_capture_request(transaction_id, money, options)
+        build_xml_request('CAPT', options, transaction_id) do |xml|
+          add_invoice_data(xml, options)
+          add_user_defined_fields(xml, options)
+          xml.tag! 'TotalAmount', amount(money)
+
+          xml.target!
+        end
+      end
+
+      def build_void_request(money, transaction_id, approval, token, options)
+        build_xml_request('VOID', options, transaction_id) do |xml|
+          xml.tag! 'Approval', approval
+          xml.tag! 'TotalAmount', amount(money)
+          xml.tag! 'Token', token if token
+
+          xml.target!
+        end
+      end
+
+      def build_credit_request(money, transaction_id, card, token, options)
+        build_xml_request('CREDIT', options, transaction_id) do |xml|
+          add_credit_card(xml, card) if card
+          add_invoice_data(xml, options)
+          add_addresses(xml, options)
+          add_customer_data(xml, options)
+          add_user_defined_fields(xml, options)
+          xml.tag! 'TotalAmount', amount(money)
+          xml.tag! 'Token', token if token
+
+          xml.target!
+        end
+      end
+
+      def commit(money, request, token = nil)
+        response = parse(ssl_post(url, request))
+
+        success = success?(response)
+        Response.new(success,
+          success ? 'APPROVED' : message_from(response),
+          response,
+          :test => test?,
+          :authorization => authorization_from(response, money, token),
+          :avs_result => AVSResult.new(:code => response[:avs]),
+          :cvv_result => CVVResult.new(response[:cvv2]),
+          :error_code => success ? nil : error_code_from(response)
+        )
+      end
+
+      def url
+        test? ? test_url : live_url
+      end
+
+      def parse(body)
+        return {} if body.blank?
+
+        xml = REXML::Document.new(body)
+
+        response = {}
+        xml.root.elements.to_a.each do |node|
+          parse_element(response, node)
+        end
+        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 format_exp(value)
+        format(value, :two_digits)
+      end
+
+      def success?(response)
+        response[:action_code] == "000"
+      end
+
+      def message_from(response)
+        ACTION_CODE_MESSAGES[response[:action_code]]
+      end
+
+      def authorization_from(response, money, previous_token)
+        original_amount = amount(money) if money
+        [ response[:transaction_id], response[:approval], original_amount, (response[:token] || previous_token)].join(";")
+      end
+
+      def error_code_from(response)
+        response[:action_code]
+      end
+
+      def add_credit_card(xml, credit_card)
+        xml.tag! 'CardNum', credit_card.number, "CardPresent" => false, "Tokenize" => true
+        xml.tag! 'CardExpMonth', format_exp(credit_card.month)
+        xml.tag! 'CardExpYear', format_exp(credit_card.year)
+
+        if credit_card.first_name || credit_card.last_name
+          xml.tag! 'CardName', [credit_card.first_name,credit_card.last_name].compact.join(' ')
+        end
+
+        unless credit_card.verification_value.nil? || (credit_card.verification_value.length == 0)
+          xml.tag! 'CVV2', credit_card.verification_value
+        end
+      end
+
+      def add_addresses(xml, options)
+        if billing_address = options[:billing_address] || options[:address]
+          xml.tag! 'Billing' do
+            xml.tag! 'Address', [billing_address[:address1], billing_address[:address2]].compact.join(" ")
+            xml.tag! 'City', billing_address[:city]
+            xml.tag! 'StateProv', billing_address[:state]
+            xml.tag! 'PostalCode', billing_address[:zip]
+            xml.tag! 'Country', lookup_country_code(billing_address[:country])
+            xml.tag! 'Phone', billing_address[:phone]
+            xml.tag! 'Email', options[:email] if options[:email]
+          end
+        end
+
+        if shipping_address = options[:shipping_address]
+          xml.tag! 'Shipping' do
+            xml.tag! 'Name', shipping_address[:name]
+            xml.tag! 'Address', [shipping_address[:address1], shipping_address[:address2]].compact.join(" ")
+            xml.tag! 'City', shipping_address[:city]
+            xml.tag! 'StateProv', shipping_address[:state]
+            xml.tag! 'PostalCode', shipping_address[:zip]
+            xml.tag! 'Country', lookup_country_code(shipping_address[:country])
+            xml.tag! 'Phone', shipping_address[:phone]
+          end
+        end
+      end
+
+      def add_customer_data(xml, options)
+        xml.tag! 'UserIPAddress', options[:ip] if options[:ip]
+      end
+
+      def add_invoice_data(xml, options)
+        xml.tag! 'OrderNumber', options[:order_id] if options[:order_id]
+        if tax_amount = options[:tax_amount]
+          xml.tag! 'TaxAmount', tax_amount, {'ExemptInd' => options[:tax_exemption] || "false"}
+        end
+      end
+
+      def add_user_defined_fields(xml, options)
+        xml.tag! 'UDField1', options[:ud_field_1] if options[:ud_field_1]
+        xml.tag! 'UDField2', options[:ud_field_2] if options[:ud_field_2]
+        xml.tag! 'UDField3', options[:ud_field_3] if options[:ud_field_3]
+      end
+
+      def lookup_country_code(code)
+        country = Country.find(code) rescue nil
+        country && country.code(:alpha3)
+      end
+    end
+  end
+end