activemerchant 1.79.2 → 1.80.0

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

@@ -175,18 +175,18 @@ module ActiveMerchant #:nodoc:
 
       def headers(post)
         {
-          "Content-Type" => "text/xml; charset=utf-8",
-          "Content-Length" => post.size.to_s,
-          "SOAPAction" => "http://iveri.com/Execute"
+          'Content-Type' => 'text/xml; charset=utf-8',
+          'Content-Length' => post.size.to_s,
+          'SOAPAction' => 'http://iveri.com/Execute'
         }
       end
 
       def parse(body)
         parsed = {}
 
-        vxml = Nokogiri::XML(body).remove_namespaces!.xpath("//Envelope/Body/ExecuteResponse/ExecuteResult").inner_text
+        vxml = Nokogiri::XML(body).remove_namespaces!.xpath('//Envelope/Body/ExecuteResponse/ExecuteResult').inner_text
         doc = Nokogiri::XML(vxml)
-        doc.xpath("*").each do |node|
+        doc.xpath('*').each do |node|
           if (node.elements.empty?)
             parsed[underscore(node.name)] = node.text
           else
@@ -201,7 +201,7 @@ module ActiveMerchant #:nodoc:
       def parse_element(parsed, node)
         if !node.attributes.empty?
           node.attributes.each do |a|
-            parsed[underscore(node.name)+ "_" + underscore(a[1].name)] = a[1].value
+            parsed[underscore(node.name)+ '_' + underscore(a[1].name)] = a[1].value
           end
         end
 
@@ -218,7 +218,7 @@ module ActiveMerchant #:nodoc:
 
       def message_from(response, succeeded)
         if succeeded
-          "Succeeded"
+          'Succeeded'
         else
           response['result_description'] || response['result_acquirer_description']
         end
@@ -243,7 +243,7 @@ module ActiveMerchant #:nodoc:
         camel_cased_word.to_s.gsub(/::/, '/').
           gsub(/([A-Z]+)([A-Z][a-z])/,'\1_\2').
           gsub(/([a-z\d])([A-Z])/,'\1_\2').
-          tr("-", "_").
+          tr('-', '_').
           downcase
       end
     end

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

@@ -23,132 +23,132 @@ module ActiveMerchant #:nodoc:
       self.money_format = :cents
 
       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.",
-        "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.",
-        "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.",
-        "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?)."
+        '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' =>  'No savings account.',
+        '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.',
+        '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.',
+        '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.',
+        '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 = {})
@@ -165,14 +165,14 @@ module ActiveMerchant #:nodoc:
       end
 
       def capture(money, reference, options = {})
-        split_authorization = reference.split(";")
+        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(";")
+        transaction_id, approval, amount, token = reference.split(';')
         commit(amount.to_i, build_void_request(amount.to_i, transaction_id, approval, token, options), token)
       end
 
@@ -186,7 +186,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def refund(money, reference, options = {})
-        split_authorization = reference.split(";")
+        split_authorization = reference.split(';')
         transaction_id = split_authorization[0]
         token = split_authorization[3]
         credit_card = options[:credit_card]
@@ -326,7 +326,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def success?(response)
-        response[:action_code] == "000"
+        response[:action_code] == '000'
       end
 
       def message_from(response)
@@ -335,11 +335,11 @@ module ActiveMerchant #:nodoc:
 
       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(";")
+        [ response[:transaction_id], response[:approval], original_amount, (response[:token] || previous_token)].join(';')
       end
 
       def add_credit_card(xml, credit_card)
-        xml.tag! 'CardNum', credit_card.number, "Tokenize" => true
+        xml.tag! 'CardNum', credit_card.number, 'Tokenize' => true
         xml.tag! 'CardExpMonth', format_exp(credit_card.month)
         xml.tag! 'CardExpYear', format_exp(credit_card.year)
 
@@ -354,7 +354,7 @@ module ActiveMerchant #:nodoc:
 
       def add_addresses(xml, options)
         if billing_address = options[:billing_address] || options[:address]
-          xml.tag! 'BillingAddress', [billing_address[:address1], billing_address[:address2]].compact.join(" ")
+          xml.tag! 'BillingAddress', [billing_address[:address1], billing_address[:address2]].compact.join(' ')
           xml.tag! 'BillingCity', billing_address[:city]
           xml.tag! 'BillingStateProv', billing_address[:state]
           xml.tag! 'BillingPostalCode', billing_address[:zip]
@@ -367,7 +367,7 @@ module ActiveMerchant #:nodoc:
             xml.tag! 'ShippingName', shipping_address[:name]
 
             xml.tag! 'ShippingAddr' do
-              xml.tag! 'Address', [shipping_address[:address1], shipping_address[:address2]].compact.join(" ")
+              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]

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

@@ -15,137 +15,137 @@ module ActiveMerchant #:nodoc:
       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?)."
+        '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' =>  'No savings account.',
+        '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 = {})
@@ -162,12 +162,12 @@ module ActiveMerchant #:nodoc:
       end
 
       def capture(money, reference, options = {})
-        transaction_id, _, _, token = reference.split(";")
+        transaction_id, _, _, token = reference.split(';')
         commit(money, build_capture_request(money, transaction_id, options), token)
       end
 
       def void(reference, options = {})
-        transaction_id, _, amount, token = reference.split(";")
+        transaction_id, _, amount, token = reference.split(';')
         commit(amount.to_i, build_void_request(amount.to_i, transaction_id, options), token)
       end
 
@@ -176,7 +176,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def refund(money, reference, options = {})
-        transaction_id, _, _, token = reference.split(";")
+        transaction_id, _, _, token = reference.split(';')
         commit(money, build_credit_request(money, transaction_id, token, options), token)
       end
 
@@ -335,7 +335,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def success?(response)
-        response[:action_code] == "000"
+        response[:action_code] == '000'
       end
 
       def message_from(response)
@@ -344,7 +344,7 @@ module ActiveMerchant #:nodoc:
 
       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(";")
+        [ response[:transaction_id], response[:approval], original_amount, (response[:token] || previous_token)].join(';')
       end
 
       def error_code_from(response)
@@ -356,7 +356,7 @@ module ActiveMerchant #:nodoc:
 
         if payment.is_a? String
           token = payment
-          _, _, _, token = payment.split(";") if payment.include? ";"
+          _, _, _, token = payment.split(';') if payment.include? ';'
           xml.tag! 'Token', token if token
         else
           add_credit_card(xml, payment)
@@ -364,7 +364,7 @@ module ActiveMerchant #:nodoc:
       end
 
       def add_credit_card(xml, credit_card)
-        xml.tag! 'CardNum', credit_card.number, "CardPresent" => false, "Tokenize" => true
+        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)
 
@@ -380,7 +380,7 @@ module ActiveMerchant #:nodoc:
       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! '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]
@@ -393,7 +393,7 @@ module ActiveMerchant #:nodoc:
         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! '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]
@@ -410,7 +410,7 @@ module ActiveMerchant #:nodoc:
       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_exempt] || "false"}
+          xml.tag! 'TaxAmount', tax_amount, {'ExemptInd' => options[:tax_exempt] || 'false'}
         end
       end