activemerchant 1.79.2 → 1.129.0

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

@@ -1,4 +1,5 @@
 # coding: utf-8
+
 require 'nokogiri'
 
 module ActiveMerchant #:nodoc:
@@ -35,140 +36,145 @@ module ActiveMerchant #:nodoc:
     #
     #
     class RedsysGateway < Gateway
-      self.live_url = "https://sis.sermepa.es/sis/operaciones"
-      self.test_url = "https://sis-t.redsys.es:25443/sis/operaciones"
+      self.live_url = 'https://sis.redsys.es/sis/operaciones'
+      self.test_url = 'https://sis-t.redsys.es:25443/sis/operaciones'
 
       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 = [:visa, :master, :american_express, :jcb, :diners_club]
-      self.homepage_url        = "http://www.redsys.es/"
-      self.display_name        = "Redsys"
+      self.supported_cardtypes = %i[visa master american_express jcb diners_club unionpay]
+      self.homepage_url        = 'http://www.redsys.es/'
+      self.display_name        = 'Redsys'
 
       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'
+        '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'
       }
 
       # 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   => 'A',
-        :authorize  => '1',
-        :capture    => '2',
-        :refund     => '3',
-        :cancel     => '9'
+        purchase:   '0',
+        authorize:  '1',
+        capture:    '2',
+        refund:     '3',
+        cancel:     '9'
       }
 
       # 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",
-
-        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"
+        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_V1 = '1.0.2'
+      THREE_DS_V2 = '2.1.0'
+
       # Creates a new instance
       #
       # Redsys requires a login and secret_key, and optionally also accepts a
@@ -184,7 +190,7 @@ module ActiveMerchant #:nodoc:
       def initialize(options = {})
         requires!(options, :login, :secret_key)
         options[:terminal] ||= 1
-        options[:signature_algorithm] ||= "sha1"
+        options[:signature_algorithm] ||= 'sha1'
         super
       end
 
@@ -192,67 +198,81 @@ module ActiveMerchant #:nodoc:
         requires!(options, :order_id)
 
         data = {}
-        add_action(data, :purchase)
+        add_action(data, :purchase, options)
         add_amount(data, money, options)
         add_order(data, options[:order_id])
         add_payment(data, payment)
+        add_external_mpi_fields(data, options)
+        add_three_ds_data(data, options) if options[:execute_threed]
+        add_stored_credential_options(data, options)
         data[:description] = options[:description]
         data[:store_in_vault] = options[:store]
+        data[:sca_exemption] = options[:sca_exemption]
+        data[:sca_exemption_direct_payment_enabled] = options[:sca_exemption_direct_payment_enabled]
 
-        commit data
+        commit data, options
       end
 
       def authorize(money, payment, options = {})
         requires!(options, :order_id)
 
         data = {}
-        add_action(data, :authorize)
+        add_action(data, :authorize, options)
         add_amount(data, money, options)
         add_order(data, options[:order_id])
         add_payment(data, payment)
+        add_external_mpi_fields(data, options)
+        add_three_ds_data(data, options) if options[:execute_threed]
+        add_stored_credential_options(data, options)
         data[:description] = options[:description]
         data[:store_in_vault] = options[:store]
+        data[:sca_exemption] = options[:sca_exemption]
+        data[:sca_exemption_direct_payment_enabled] = options[:sca_exemption_direct_payment_enabled]
 
-        commit data
+        commit data, options
       end
 
       def capture(money, authorization, options = {})
         data = {}
         add_action(data, :capture)
         add_amount(data, money, options)
-        order_id, _, _ = split_authorization(authorization)
+        order_id, = split_authorization(authorization)
         add_order(data, order_id)
         data[:description] = options[:description]
 
-        commit data
+        commit data, options
       end
 
       def void(authorization, options = {})
         data = {}
         add_action(data, :cancel)
         order_id, amount, currency = split_authorization(authorization)
-        add_amount(data, amount, :currency => currency)
+        add_amount(data, amount, currency: currency)
         add_order(data, order_id)
         data[:description] = options[:description]
 
-        commit data
+        commit data, options
       end
 
       def refund(money, authorization, options = {})
         data = {}
         add_action(data, :refund)
         add_amount(data, money, options)
-        order_id, _, _ = split_authorization(authorization)
+        order_id, = split_authorization(authorization)
         add_order(data, order_id)
         data[:description] = options[:description]
 
-        commit data
+        commit data, options
       end
 
       def verify(creditcard, options = {})
-        MultiResponse.run(:use_first_response) do |r|
-          r.process { authorize(100, creditcard, options) }
-          r.process(:ignore_result) { void(r.authorization, 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
       end
 
@@ -265,8 +285,10 @@ module ActiveMerchant #:nodoc:
           gsub(%r((Authorization: Basic )\w+), '\1[FILTERED]').
           gsub(%r((%3CDS_MERCHANT_PAN%3E)\d+(%3C%2FDS_MERCHANT_PAN%3E))i, '\1[FILTERED]\2').
           gsub(%r((%3CDS_MERCHANT_CVV2%3E)\d+(%3C%2FDS_MERCHANT_CVV2%3E))i, '\1[FILTERED]\2').
+          gsub(%r((&lt;DS_MERCHANT_PAN&gt;)\d+(&lt;/DS_MERCHANT_PAN&gt;))i, '\1[FILTERED]\2').
           gsub(%r((<DS_MERCHANT_PAN>)\d+(</DS_MERCHANT_PAN>))i, '\1[FILTERED]\2').
           gsub(%r((<DS_MERCHANT_CVV2>)\d+(</DS_MERCHANT_CVV2>))i, '\1[FILTERED]\2').
+          gsub(%r((&lt;DS_MERCHANT_CVV2&gt;)\d+(&lt;/DS_MERCHANT_CVV2&gt;))i, '\1[FILTERED]\2').
           gsub(%r((DS_MERCHANT_CVV2)%2F%3E%0A%3C%2F)i, '\1[BLANK]').
           gsub(%r((DS_MERCHANT_CVV2)%2F%3E%3C)i, '\1[BLANK]').
           gsub(%r((DS_MERCHANT_CVV2%3E)(%3C%2FDS_MERCHANT_CVV2))i, '\1[BLANK]\2').
@@ -277,8 +299,8 @@ module ActiveMerchant #:nodoc:
 
       private
 
-      def add_action(data, action)
-        data[:action] = transaction_code(action)
+      def add_action(data, action, options = {})
+        data[:action] = options[:execute_threed].present? ? '0' : transaction_code(action)
       end
 
       def add_amount(data, money, options)
@@ -294,45 +316,132 @@ module ActiveMerchant #:nodoc:
         test? ? test_url : live_url
       end
 
+      def webservice_url
+        test? ? 'https://sis-t.redsys.es:25443/sis/services/SerClsWSEntradaV2' : 'https://sis.redsys.es/sis/services/SerClsWSEntradaV2'
+      end
+
       def add_payment(data, card)
         if card.is_a?(String)
           data[:credit_card_token] = card
         else
           name  = [card.first_name, card.last_name].join(' ').slice(0, 60)
-          year  = sprintf("%.4i", card.year)
-          month = sprintf("%.2i", card.month)
+          year  = sprintf('%.4i', card.year)
+          month = sprintf('%.2i', card.month)
           data[:card] = {
-            :name => name,
-            :pan  => card.number,
-            :date => "#{year[2..3]}#{month}",
-            :cvv  => card.verification_value
+            name: name,
+            pan: card.number,
+            date: "#{year[2..3]}#{month}",
+            cvv: card.verification_value
           }
         end
       end
 
-      def commit(data)
-        parse(ssl_post(url, "entrada=#{CGI.escape(xml_request_from(data))}", headers))
+      def add_external_mpi_fields(data, options)
+        return unless options[:three_d_secure]
+
+        if options[:three_d_secure][:version] == THREE_DS_V2
+          data[:threeDSServerTransID] = options[:three_d_secure][:three_ds_server_trans_id] if options[:three_d_secure][:three_ds_server_trans_id]
+          data[:dsTransID] = options[:three_d_secure][:ds_transaction_id] if options[:three_d_secure][:ds_transaction_id]
+          data[:authenticacionValue] = options[:three_d_secure][:cavv] if options[:three_d_secure][:cavv]
+          data[:protocolVersion] = options[:three_d_secure][:version] if options[:three_d_secure][:version]
+          data[:authenticacionMethod] = options[:authentication_method] if options[:authentication_method]
+          data[:authenticacionType] = options[:authentication_type] if options[:authentication_type]
+          data[:authenticacionFlow] = options[:authentication_flow] if options[:authentication_flow]
+          data[:eci_v2] = options[:three_d_secure][:eci] if options[:three_d_secure][:eci]
+        elsif options[:three_d_secure][:version] == THREE_DS_V1
+          data[:txid] = options[:three_d_secure][:xid] if options[:three_d_secure][:xid]
+          data[:cavv] = options[:three_d_secure][:cavv] if options[:three_d_secure][:cavv]
+          data[:eci_v1] = options[:three_d_secure][:eci] if options[:three_d_secure][:eci]
+        end
+      end
+
+      def add_stored_credential_options(data, options)
+        return unless options[:stored_credential]
+
+        case options[:stored_credential][:initial_transaction]
+        when true
+          data[:DS_MERCHANT_COF_INI] = 'S'
+        when false
+          data[:DS_MERCHANT_COF_INI] = 'N'
+          data[:DS_MERCHANT_COF_TXNID] = options[:stored_credential][:network_transaction_id] if options[:stored_credential][:network_transaction_id]
+        end
+
+        case options[:stored_credential][:reason_type]
+        when 'recurring'
+          data[:DS_MERCHANT_COF_TYPE] = 'R'
+        when 'installment'
+          data[:DS_MERCHANT_COF_TYPE] = 'I'
+        when 'unscheduled'
+          return
+        end
+      end
+
+      def add_three_ds_data(data, options)
+        data[:three_ds_data] = { threeDSInfo: 'CardData' } if options[:execute_threed] == true
       end
 
-      def headers
-        {
-          'Content-Type' => 'application/x-www-form-urlencoded'
-        }
+      def determine_peticion_type(data)
+        three_ds_info = data.dig(:three_ds_data, :threeDSInfo)
+        return 'iniciaPeticion' if three_ds_info == 'CardData'
+        return 'trataPeticion' if three_ds_info == 'AuthenticationData' ||
+                                  three_ds_info == 'ChallengeResponse' ||
+                                  data[:sca_exemption] == 'MIT'
       end
 
-      def xml_request_from(data)
+      def use_webservice_endpoint?(data, options)
+        options[:use_webservice_endpoint].to_s == 'true' || data[:three_ds_data] || data[:sca_exemption] == 'MIT'
+      end
+
+      def commit(data, options = {})
+        xmlreq = xml_request_from(data, options)
+
+        if use_webservice_endpoint?(data, options)
+          peticion_type = determine_peticion_type(data)
+
+          request = <<-REQUEST
+            <soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:apachesoap="http://xml.apache.org/xml-soap" xmlns:impl="http://webservice.sis.sermepa.es" xmlns:intf="http://webservice.sis.sermepa.es" xmlns:wsdl="http://schemas.xmlsoap.org/wsdl/" xmlns:wsdlsoap="http://schemas.xmlsoap.org/wsdl/soap/" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" >
+            <soapenv:Header/>
+            <soapenv:Body>
+              <intf:#{peticion_type} xmlns:intf="http://webservice.sis.sermepa.es">
+                <intf:datoEntrada>
+                <![CDATA[#{xmlreq}]]>
+                </intf:datoEntrada>
+              </intf:#{peticion_type}>
+            </soapenv:Body>
+          </soapenv:Envelope>
+          REQUEST
+          parse(ssl_post(webservice_url, request, headers(peticion_type)), peticion_type)
+        else
+          parse(ssl_post(url, "entrada=#{CGI.escape(xmlreq)}", headers), peticion_type)
+        end
+      end
+
+      def headers(peticion_type = nil)
+        if peticion_type
+          {
+            'Content-Type' => 'text/xml',
+            'SOAPAction' => peticion_type
+          }
+        else
+          {
+            'Content-Type' => 'application/x-www-form-urlencoded'
+          }
+        end
+      end
+
+      def xml_request_from(data, options = {})
         if sha256_authentication?
-          build_sha256_xml_request(data)
+          build_sha256_xml_request(data, options)
         else
-          build_sha1_xml_request(data)
+          build_sha1_xml_request(data, options)
         end
       end
 
       def build_signature(data)
         str = data[:amount] +
-          data[:order_id].to_s +
-          @options[:login].to_s +
-          data[:currency]
+              data[:order_id].to_s +
+              @options[:login].to_s +
+              data[:currency]
 
         if card = data[:card]
           str << card[:pan]
@@ -350,30 +459,32 @@ module ActiveMerchant #:nodoc:
         Digest::SHA1.hexdigest(str)
       end
 
-      def build_sha256_xml_request(data)
+      def build_sha256_xml_request(data, options = {})
         xml = Builder::XmlMarkup.new
         xml.instruct!
         xml.REQUEST do
-          build_merchant_data(xml, data)
+          build_merchant_data(xml, data, options)
           xml.DS_SIGNATUREVERSION 'HMAC_SHA256_V1'
-          xml.DS_SIGNATURE sign_request(merchant_data_xml(data), data[:order_id])
+          xml.DS_SIGNATURE sign_request(merchant_data_xml(data, options), data[:order_id])
         end
         xml.target!
       end
 
-      def build_sha1_xml_request(data)
-        xml = Builder::XmlMarkup.new :indent => 2
-        build_merchant_data(xml, data)
+      def build_sha1_xml_request(data, options = {})
+        xml = Builder::XmlMarkup.new indent: 2
+        build_merchant_data(xml, data, options)
         xml.target!
       end
 
-      def merchant_data_xml(data)
+      def merchant_data_xml(data, options = {})
         xml = Builder::XmlMarkup.new
-        build_merchant_data(xml, data)
+        build_merchant_data(xml, data, options)
         xml.target!
       end
 
-      def build_merchant_data(xml, data)
+      def build_merchant_data(xml, data, options = {})
+        # See https://sis-t.redsys.es:25443/sis/services/SerClsWSEntradaV2/wsdl/SerClsWSEntradaV2.wsdl
+        # (which results from calling #webservice_url + '?WSDL', https://sis-t.redsys.es:25443/sis/services/SerClsWSEntradaV2?WSDL)
         xml.DATOSENTRADA do
           # Basic elements
           xml.DS_Version 0.1
@@ -381,44 +492,108 @@ module ActiveMerchant #:nodoc:
           xml.DS_MERCHANT_AMOUNT             data[:amount]
           xml.DS_MERCHANT_ORDER              data[:order_id]
           xml.DS_MERCHANT_TRANSACTIONTYPE    data[:action]
-          xml.DS_MERCHANT_PRODUCTDESCRIPTION data[:description]
-          xml.DS_MERCHANT_TERMINAL           @options[:terminal]
+          if data[:description] && use_webservice_endpoint?(data, options)
+            xml.DS_MERCHANT_PRODUCTDESCRIPTION CGI.escape(data[:description])
+          else
+            xml.DS_MERCHANT_PRODUCTDESCRIPTION data[:description]
+          end
+          xml.DS_MERCHANT_TERMINAL           options[:terminal] || @options[:terminal]
           xml.DS_MERCHANT_MERCHANTCODE       @options[:login]
           xml.DS_MERCHANT_MERCHANTSIGNATURE  build_signature(data) unless sha256_authentication?
 
+          peticion_type = determine_peticion_type(data) if data[:three_ds_data]
+          if peticion_type == 'iniciaPeticion' && data[:sca_exemption]
+            xml.DS_MERCHANT_EXCEP_SCA 'Y'
+          else
+            xml.DS_MERCHANT_EXCEP_SCA data[:sca_exemption] if data[:sca_exemption]
+            xml.DS_MERCHANT_DIRECTPAYMENT data[:sca_exemption_direct_payment_enabled] || 'true' if data[:sca_exemption] == 'MIT'
+          end
+
           # Only when card is present
           if data[:card]
-            xml.DS_MERCHANT_TITULAR    data[:card][:name]
+            if data[:card][:name] && use_webservice_endpoint?(data, options)
+              xml.DS_MERCHANT_TITULAR    CGI.escape(data[:card][:name])
+            else
+              xml.DS_MERCHANT_TITULAR    data[:card][:name]
+            end
             xml.DS_MERCHANT_PAN        data[:card][:pan]
             xml.DS_MERCHANT_EXPIRYDATE data[:card][:date]
             xml.DS_MERCHANT_CVV2       data[:card][:cvv]
             xml.DS_MERCHANT_IDENTIFIER 'REQUIRED' if data[:store_in_vault]
+
+            build_merchant_mpi_external(xml, data)
+
           elsif data[:credit_card_token]
             xml.DS_MERCHANT_IDENTIFIER data[:credit_card_token]
+            xml.DS_MERCHANT_DIRECTPAYMENT 'true'
+          end
+
+          # Set moto flag only if explicitly requested via moto field
+          # Requires account configuration to be able to use
+          xml.DS_MERCHANT_DIRECTPAYMENT 'moto' if options.dig(:moto) && options.dig(:metadata, :manual_entry)
+
+          xml.DS_MERCHANT_EMV3DS data[:three_ds_data].to_json if data[:three_ds_data]
+
+          if options[:stored_credential]
+            xml.DS_MERCHANT_COF_INI data[:DS_MERCHANT_COF_INI]
+            xml.DS_MERCHANT_COF_TYPE data[:DS_MERCHANT_COF_TYPE]
+            xml.DS_MERCHANT_COF_TXNID data[:DS_MERCHANT_COF_TXNID] if data[:DS_MERCHANT_COF_TXNID]
           end
         end
       end
 
-      def parse(data)
+      def build_merchant_mpi_external(xml, data)
+        return unless data[:txid] || data[:threeDSServerTransID]
+
+        ds_merchant_mpi_external = {}
+        ds_merchant_mpi_external[:TXID] = data[:txid] if data[:txid]
+        ds_merchant_mpi_external[:CAVV] = data[:cavv] if data[:cavv]
+        ds_merchant_mpi_external[:ECI] = data[:eci_v1] if data[:eci_v1]
+
+        ds_merchant_mpi_external[:threeDSServerTransID] = data[:threeDSServerTransID] if data[:threeDSServerTransID]
+        ds_merchant_mpi_external[:dsTransID] = data[:dsTransID] if data[:dsTransID]
+        ds_merchant_mpi_external[:authenticacionValue] = data[:authenticacionValue] if data[:authenticacionValue]
+        ds_merchant_mpi_external[:protocolVersion] = data[:protocolVersion] if data[:protocolVersion]
+        ds_merchant_mpi_external[:Eci] = data[:eci_v2] if data[:eci_v2]
+        ds_merchant_mpi_external[:authenticacionMethod] = data[:authenticacionMethod] if data[:authenticacionMethod]
+        ds_merchant_mpi_external[:authenticacionType] = data[:authenticacionType] if data[:authenticacionType]
+        ds_merchant_mpi_external[:authenticacionFlow] = data[:authenticacionFlow] if data[:authenticacionFlow]
+
+        xml.DS_MERCHANT_MPIEXTERNAL ds_merchant_mpi_external.to_json unless ds_merchant_mpi_external.empty?
+        xml.target!
+      end
+
+      def parse(data, action)
         params  = {}
         success = false
-        message = ""
-        options = @options.merge(:test => test?)
+        message = ''
+        options = @options.merge(test: test?)
         xml     = Nokogiri::XML(data)
-        code    = xml.xpath("//RETORNOXML/CODIGO").text
-        if code == "0"
-          op = xml.xpath("//RETORNOXML/OPERACION")
+        code    = xml.xpath('//RETORNOXML/CODIGO').text
+
+        if code == '0' && xml.xpath('//RETORNOXML/OPERACION').present?
+          op = xml.xpath('//RETORNOXML/OPERACION')
           op.children.each do |element|
             params[element.name.downcase.to_sym] = element.text
           end
-
           if validate_signature(params)
             message = response_text(params[:ds_response])
             options[:authorization] = build_authorization(params)
-            success = is_success_response?(params[:ds_response])
+            success = success_response?(params[:ds_response])
           else
-            message = "Response failed validation check"
+            message = 'Response failed validation check'
           end
+        elsif %w[iniciaPeticion trataPeticion].include?(action)
+          vxml = Nokogiri::XML(data).remove_namespaces!.xpath("//Envelope/Body/#{action}Response/#{action}Return").inner_text
+          xml = Nokogiri::XML(vxml)
+          node = (action == 'iniciaPeticion' ? 'INFOTARJETA' : 'OPERACION')
+          op = xml.xpath("//RETORNOXML/#{node}")
+          op.children.each do |element|
+            params[element.name.downcase.to_sym] = element.text
+          end
+          message = response_text_3ds(xml, params)
+          options[:authorization] = build_authorization(params)
+          success = params.size > 0 && success_response?(params[:ds_response])
         else
           # Some kind of programmer error with the request!
           message = "#{code} ERROR"
@@ -430,17 +605,17 @@ module ActiveMerchant #:nodoc:
       def validate_signature(data)
         if sha256_authentication?
           sig = Base64.strict_encode64(mac256(get_key(data[:ds_order].to_s), xml_signed_fields(data)))
-          sig.upcase == data[:ds_signature].to_s.upcase
+          sig.casecmp(data[:ds_signature].to_s).zero?
         else
           str = data[:ds_amount] +
-            data[:ds_order].to_s +
-            data[:ds_merchantcode] +
-            data[:ds_currency] +
-            data[:ds_response] +
-            data[:ds_cardnumber].to_s +
-            data[:ds_transactiontype].to_s +
-            data[:ds_securepayment].to_s +
-            @options[:secret_key]
+                data[:ds_order].to_s +
+                data[:ds_merchantcode] +
+                data[:ds_currency] +
+                data[:ds_response] +
+                data[:ds_cardnumber].to_s +
+                data[:ds_transactiontype].to_s +
+                data[:ds_securepayment].to_s +
+                @options[:secret_key]
 
           sig = Digest::SHA1.hexdigest(str)
           data[:ds_signature].to_s.downcase == sig
@@ -448,17 +623,18 @@ module ActiveMerchant #:nodoc:
       end
 
       def build_authorization(params)
-        [params[:ds_order], params[:ds_amount], params[:ds_currency]].join("|")
+        [params[:ds_order], params[:ds_amount], params[:ds_currency]].join('|')
       end
 
       def split_authorization(authorization)
-        order_id, amount, currency = authorization.split("|")
+        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
 
@@ -469,24 +645,38 @@ module ActiveMerchant #:nodoc:
       def response_text(code)
         code = code.to_i
         code = 0 if code < 100
-        RESPONSE_TEXTS[code] || "Unkown code, please check in manual"
+        RESPONSE_TEXTS[code] || 'Unknown code, please check in manual'
       end
 
-      def is_success_response?(code)
+      def response_text_3ds(xml, params)
+        code = xml.xpath('//RETORNOXML/CODIGO').text
+        message = ''
+        if code != '0'
+          message = "#{code} ERROR"
+        elsif params[:ds_emv3ds]
+          three_ds_data = JSON.parse(params[:ds_emv3ds])
+          message = three_ds_data['threeDSInfo']
+        elsif params[:ds_response]
+          message = response_text(params[:ds_response])
+        end
+        message
+      end
+
+      def success_response?(code)
         (code.to_i < 100) || [400, 481, 500, 900].include?(code.to_i)
       end
 
       def clean_order_id(order_id)
         cleansed = order_id.gsub(/[^\da-zA-Z]/, '')
-        if cleansed =~ /^\d{4}/
+        if /^\d{4}/.match?(cleansed)
           cleansed[0..11]
         else
-          "%04d%s" % [rand(0..9999), cleansed[0...8]]
+          '%04d%s' % [rand(0..9999), cleansed[0...8]]
         end
       end
 
       def sha256_authentication?
-        @options[:signature_algorithm] == "sha256"
+        @options[:signature_algorithm] == 'sha256'
       end
 
       def sign_request(xml_request_string, order_id)
@@ -499,7 +689,7 @@ module ActiveMerchant #:nodoc:
         cipher = OpenSSL::Cipher.new('DES3')
         cipher.encrypt
 
-        cipher.key = Base64.strict_decode64(key)
+        cipher.key = Base64.urlsafe_decode64(key)
         # The OpenSSL default of an all-zeroes ("\\0") IV is used.
         cipher.padding = 0
 
@@ -514,8 +704,14 @@ module ActiveMerchant #:nodoc:
       end
 
       def xml_signed_fields(data)
-        data[:ds_amount] + data[:ds_order] + data[:ds_merchantcode] + data[:ds_currency] +
-          data[:ds_response] + data[:ds_transactiontype] + data[:ds_securepayment]
+        xml_signed_fields = data[:ds_amount] + data[:ds_order] + data[:ds_merchantcode] +
+                            data[:ds_currency] + data[:ds_response]
+
+        xml_signed_fields += data[:ds_cardnumber] if data[:ds_cardnumber]
+
+        xml_signed_fields += data[:ds_emv3ds] if data[:ds_emv3ds]
+
+        xml_signed_fields + data[:ds_transactiontype] + data[:ds_securepayment]
       end
 
       def get_key(order_id)