activemerchant 1.90.0 → 1.99.0

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data/CHANGELOG

@@ -1,6 +1,207 @@
 = ActiveMerchant CHANGELOG
 
 == HEAD
+== Version 1.99.0 (Sep 26, 2019)
+* Adyen: Add functionality to set 3DS exemptions via API [britth] #3331
+* Adyen: Send "NA" instead of "N/A" [leila-alderman] #3339
+* Stripe Payment Intents: Set application fee or transfer amount on capture  [britth] #3340
+* TNS: Support Europe endpoint [curiousepic] #3346
+* Redsys: Add 3DS support to gateway [britth] #3336
+* Worldpay: Allow multiple refunds per authorization [jknipp] #3349
+* MercadoPago: Add remote and unit tests for Naranja card [hdeters] #3345
+* CyberSource: Pass commerce indicator if present [curiousepic] #3350
+* Worldpay: Add 3DS2 Support [nfarve] #3344
+* Credorax: Add 3DS 2.0 [nfarve] #3342
+* TNS: Update verison and support pay mode [curiousepic] #3355
+* Stripe: Add supported countries [therufs] #3358
+* Stripe Payment Intents: Add supported countries [therufs] #3359
+* Mundipagg: Append error messages to the message response field [jasonxp] #3353
+* Redsys: Add ability to pass sca_exemption and moto fields to request exemptions [britth] #3354
+* Credorax: Add A Mandatory 3DS field [nfarve] #3360
+* CyberSource: Support 3DS2 pass-through fields [curiousepic] #3363
+* Credorax: Add support for MOTO flagging [britth] #3366
+* Credorax: Enable selecting a processor [leila-alderman] #3302
+* Adyen: Add Cabal card [leila-alderman] #3361
+* Decidir: Add remote tests for Cabal and Naranja [leila-alderman] #3337
+* Payflow: Pass correct field in Status for 3DS in Payflow [nebdil] #3362
+* CyberSource: Use 3DS hash for enrolled field [curiousepic] #3371
+
+== Version 1.98.0 (Sep 9, 2019)
+* Stripe Payment Intents: Add new gateway [britth] #3290
+* Stripe: Send cardholder name and address when creating sources for 3DS 1.0 [jknipp] #3300
+* Checkout_v2: Support for native 3DS2.0 [nfarve] #3303
+* Adds new Maestro BINs [tanyajajodia] #3305
+* eWAY Rapid: If no address is available, default to the name associated with the payment method when setting the Customer fields [jasonxp] #3306
+* eWAY Rapid: Fix a bug in which the email was not set in Customer fields if no address was provided [jasonxp] #3306
+* eWAY Rapid: Support both `phone` and `phone_number` fields under the `shipping_address` option [jasonxp] #3306
+* PayU Latam: Add support for the `merchant_buyer_id` field in the `options` and `buyer` hashes [jasonxp] #3308
+* Update Braintree Gem [curiousepic] #3311
+* Fat Zebra: Send metadata for purchase and authorize [montdidier] #3101
+* TrustCommerce: Add support for custom fields [jasonxp] #3313
+* Stripe Payment Intents: Support option fields `transfer_destination` and `transfer_amount` and remove `transfer_data` hash [britth] #3317
+* Barclaycard Smartpay: Add support for `shopperStatement` gateway-specific field [jasonxp] #3319
+* Stripe Payment Intents: Add support for billing_details on payment methods [britth] #3320
+* BlueSnap: add standardized 3DS 2 auth fields [bayprogrammer] #3318
+* Barclaycard Smartpay: Add app based 3DS requests for auth and purchase [britth] #3327
+* Stripe Payment Intents, Checkout V2: Add support for `MOTO` flagging [britth] #3323
+* Braintree Blue: Adding 3DS2 passthru support [molbrown] #3328
+* Global Collect: Add Cabal card [leila-alderman] #3310
+* WorldPay: Add Cabal card [leila-alderman] #3316
+* Decidir: Add Cabal card [leila-alderman] #3322
+* PayU Latam: Add Cabal card [leila-alderman] #3324
+* dLocal: Add Cabal card [leila-alderman] #3325
+* BlueSnap: Add Cabal card [leila-alderman] #3326
+* Adyen: added 3DS support through external [rikterbeek] #3294
+* Worldpay: Add support for MOTO flagging [britth] #3329
+* ePay: 3DS support [AllaWLie] #3321
+* Checkout.com: added options[:metadata][:manual_entry] support for MOTO transactions [filipebarcos] #3330
+
+== Version 1.97.0 (Aug 15, 2019)
+* CyberSource: Add issuer `additionalData` gateway-specific field [jasonxp] #3296
+* PayU Latam: Add Naranja card type [hdeters] #3299
+* Adyen: Add app based 3DS requests for auth and purchase [jeremywrowe] #3298
+* MercadoPago: Add Cabal card type [leila-alderman] #3295
+* MONEI: Add external MPI 3DS 1 support [jimmyn] #3292
+* Bambora formerly Beanstream: Pass card owner when storing tokenized cards [alexdunae] #3006
+* Realex: Prevent error calculating `refund_hash` or `credit_hash` when the secret is nil [jasonxp] #3291
+* Orbital: Add external MPI support for 3DS1 [pi3r] #3261
+* Paymill: Add currency and amount to store requests [jasonxp] #3289
+* Realex: Re-implement credit as general credit [leila-alderman] #3280
+* Braintree Blue: Support for stored credentials [hdeters] #3286
+* CardConnect: Move domain from gateway specific to gateway field [hdeters] #3283
+
+== Version 1.96.0 (Jul 26, 2019)
+* Bluesnap: Omit state codes for unsupported countries [therufs] #3229
+* Adyen: Pass updateShopperStatement, industryUsage [curiousepic] #3233
+* TransFirst Transaction Express: Fix blank address2 values [britth] #3231
+* WorldPay: Add support for store method [bayprogrammer] #3232
+* Adyen: Support for additional AVS code mapping [jknipp] #3236
+* Adyen: Update message for AVS result code 'A' to generically cover postal code mismatches [jknipp] #3237
+* CyberSource: Update CyberSource SOAP documentation link [vince-smith] #3204
+* USAePay: Handle additional error codes and add default error code [estelendur] #3167
+* Braintree: Add `skip_avs` and `skip_cvv` gateway specific fields [leila-alderman] #3241
+* NAB Transact: Update periodic test url [mengqing] #3177
+* NMI: Add level 3 gateway-specific fields tax, shipping, and ponumber [jasonxp] #3239
+* Checkout V2: Update stored card flag [curiousepic] #3247
+* NMI: Add support for stored credentials [bayprogrammer] #3243
+* Spreedly: Consolidate API requests and support bank accounts [lancecarlson] #3105
+* BPoint: Hook up merchant_reference and CRN fields [curiousepic] #3249
+* Checkout V2: Stop sending phone number to Checkout V2 integration [filipebarcos] #3248
+* Barclaycard Smartpay: Add support for 3DS2 [britth] #3251
+* Adyen: Add support for non-fractional currencies [molbrown] #3257
+* Decidir: Add new gateway [jknipp] #3254
+* Checkout V2: Reapply Update stored card flag [curiousepic]
+* CyberSource: Update supported countries [molbrown] #3260
+* Credorax: Update supported countries [molbrown] #3260
+* Kushki: Update supported countries [molbrown] #3260
+* Paypal: Update supported countries [molbrown] #3260
+* BlueSnap: Send amount in capture requests [jknipp] #3262
+* Mundipagg: Add Alelo card support [jasonxp] #3255
+* Adyen: Remove temporary amount modification for non-fractional currencies [molbrown] #3263
+* Adyen: Set blank state to N/A [therufs] #3252
+* MiGS: Add tx_source gateway specific field [leila-alderman] #3264
+* NMI: Correct password scrubber to scrub symbols [hdeters] #3267
+* Global Collect: Only add name if present [curiousepic] #3268
+* HPS: Add Apple Pay raw cryptogram support [slogsdon] #3209
+* CardConnect: Fix parsing of level 3 fields [hdeters] #3273
+* TrustCommerce: Support void after purchase [jknipp] #3265
+* Payflow: Support arbitrary level 2 + level 3 fields [therufs] #3272
+* BlueSnap: Default to not send amount on capture [molbrown] #3270
+* Spreedly: extra fields, remove extraneous check [montdidier] #3102 #3281
+* Cecabank: Update encryption to SHA2 [leila-alderman] #3278
+* Checkout V2: Fix 3DS 1&2 integration [nicolas-maalouf-cko] #3240
+* Credorax: add 3DS2 MPI auth data support [bayprogrammer] #3274
+* Add Kosovo to the list of countries [AnotherJoSmith] #3226
+* Realex: Adds 3DS 1&2 support through external MPI [filipebarcos] #3284
+* PayPal: Adds 3DS 1 support through external MPI [nebdil] #3279
+
+== Version 1.95.0 (May 23, 2019)
+* Adyen: Constantize version to fix subdomains [curiousepic] #3228
+* Qvalent: Adds support for standard stored credential framework [molbrown] #3227
+* Cybersource: Send tokenization data when card is :master [pi3r] #3230
+
+== Version 1.94.0 (May 21, 2019)
+* Mundipagg: Fix number lengths for both VR and Sodexo [dtykocki] #3195
+* Stripe: Support show and list webhook endpoints [jknipp] #3196
+* CardConnect: Add frontendid parameter to requests [gcatlin] #3198
+* Adyen: Correct formatting of Billing Address [nfarve] #3200
+* Stripe: Stripe: Show payment source [jknipp] #3202
+* Checkout V2: Checkout V2: Correct success criteria [curiousepic] #3205
+* Adyen: Add normalized hash of 3DS 2.0 data fields from web browsers [davidsantoso] #3207
+* Stripe: Do not attempt application fee refund if refund was not successful [jasonwebster] #3206
+* Elavon: Send transaction_currency if currency is provided [gcatlin] #3201
+* Elavon: Multi-currency support [jknipp] #3210
+* Adyen: Support preAuths and Synchronous Adjusts [curiousepic] #3212
+* WorldPay: Support Unknown Card Type [tanyajajodia] #3213
+* Mundipagg: Make gateway_affiliation_id an option [curiousepic] #3219
+* CyberSource: Adds Elo Card Type [tanyajajodia] #3220
+* CyberSource: Support standalone credit for cards [curiousepic] #3225
+
+== Version 1.93.0 (April 18, 2019)
+* Stripe: Do not consider a refund unsuccessful if only refunding the fee failed [jasonwebster] #3188
+* Stripe: Fix webhook creation for connected account [jknipp] #3193
+* Adyen: Upgrade to v40 API version [davidsantoso] #3192
+
+== Version 1.92.0 (April 8, 2019)
+* BluePay: Send customer IP address when provided [jknipp] #3149
+* PaymentExpress: Use ip field for client_info field [jknipp] #3150
+* Bambora Asia-Pacific: Adds Store [molbrown] #3147
+* Orbital: Pass normalized stored credential fields [curiousepic] #3148
+* Adds Elo card type in general and specifically to Adyen [deedeelavinder] #3153
+* Mercado Pago: Adds Elo card type [deedeelavinder] #3156
+* Litle: Add support for stored credentials [bayprogrammer] #3155
+* Adyen: Correctly process risk_data option [bayprogrammer] #3161
+* Paymentez: Adds Elo card type [deedeelavinder] #3162
+* WorldPay: Adds Elo card type [deedeelavinder] #3163
+* Adyen: Idempotency for non-purchase requests [molbrown] #3164
+* FirstData e4 v27: Support v28 url and stored creds [curiousepic] #3165
+* WorldPay: Fix element order for 3DS + stored cred [bayprogrammer] #3172
+* Braintree: Add risk data to returned response [jknipp] #3169
+* Adyen: Support idempotency on purchase [molbrown] #3168
+* Adyen: Pass phone, statement, device_fingerprint [curiousepic] #3178
+* Adyen: Fix adding phone from billing address [curiousepic] #3179
+* Fix partial or missing address exceptions [molbrown] #3180
+* Adyen: Update to support normalized stored credential fields [molbrown] #3182
+* VisaNet Peru: Always include DSC_COD_ACCION [bayprogrammer] #3174
+* Adyen: Support adjust action [curiousepic] #3190
+* CyberSource: Add support for stored credentials [therufs] #3185
+
+== Version 1.91.0 (February 22, 2019)
+* WorldPay: Pull CVC and AVS Result from Response [nfarve] #3106
+* Worldpay: Add AVS and CVC Mapping [nfarve] #3107
+* Paymentez: Fixes extra_params field [molbrown] #3108
+* Improved support for account_type using Check class's account_type instead [lancecarlson] #3097
+* USA Epay: Allow quantity to be passed and check custom fields [lancecarlson] #3090
+* Fix usaepay transaction invoice [lancecarlson] #3093
+* Adyen: Handles blank state address field [molbrown] #3113
+* Braintree: Send all country fields [curiousepic] #3112
+* Braintree: Account for empty string countries [curiousepic] #3115
+* Orbital: Support for stored credentials framework [jknipp] #3117
+* Openpay: Fix for marking successful transaction(s) as failed [jknipp] #3121
+* Braintree: Adds support for transaction_source [molbrown] #3120
+* Moneris: Remove redundant card on file guard clause [davidsantoso] #3123
+* Switch order of Romania country codes [molbrown] #3125
+* Blue Snap: Supports Level 2/3 data [molbrown] #3126
+* Blue Snap: Support personal_identification_number [jknipp] #3128
+* ProPay: Send 9 digit zip code without dash [molbrown] #3129
+* Adyen: Extend AVS code mappings [therufs] #3119
+* NMI: Add customer id to authorization on store [curiousepic] #3130
+* Trans First Express: Don't pass blank name field [curiousepic] #3133
+* TrustCommerce: Send full name on ACH transactions [jknipp] #3132
+* Qvalent: Map CVV Result to responses [curiousepic] #3135
+* Card Connect: Handle 401s as responses [curiousepic] #3137
+* Worldpay: Introduce normalized stored credential options [davidsantoso] #3134
+* Worldpay: Adjust use of normalized stored credentials hash [davidsantoso] #3139
+* Adyen: Enable Dynamic 3DS [molbrown] #3138
+* Fat Zebra: Support voids [curiousepic] #3142
+* Blue Snap: Support ACH/ECP payments [jknipp] #3143
+* Blue Snap: Fix Card-on-File field typo [jknipp] #3143
+* Add Bambora gateway [InfraRuby] #3145
+* Bambora Asia-Pacific: Updates Gateway [molbrown] #3145
+* PaymentExpress: Support ClientInfo field [jknipp] #3131
+* Pin Payments: Concatenate card and customer tokens when storing card [therufs] #3144
+* Update Discover regex to allow card numbers longer than 16 digits [prashcr] #3146
+* Merrco partial refunds fix [payfirma1] #3141
 
 == Version 1.90.0 (January 8, 2019)
 * Mercado Pago: Support "gateway" processing mode [curiousepic] #3087
@@ -12,6 +213,7 @@
 * Braintree Blue: Refactor line_items field [curiousepic] #3100
 * TrustCommerce: Use `application_id` [nfarve] #3103
 * Stripe: Add 3DS Support [nfarve] #3086
+* Cecabank: Append error text to message [therufs] #3127
 
 == Version 1.89.0 (December 17, 2018)
 * Worldpay: handle Visa and MasterCard payouts differently [bpollack] #3068

data/README.md

@@ -84,14 +84,18 @@ end
 For more in-depth documentation and tutorials, see [GettingStarted.md](GettingStarted.md) and the
 [API documentation](http://www.rubydoc.info/github/activemerchant/active_merchant/).
 
+Emerging ActiveMerchant 3DS conventions are documented in the [Contributing](https://github.com/activemerchant/active_merchant/wiki/Contributing#3ds-options)
+guide and [Standardized 3DS Fields](https://github.com/activemerchant/active_merchant/wiki/Standardized-3DS-Fields) guide of the wiki.
+
 ## Supported Payment Gateways
 
-The [ActiveMerchant Wiki](http://github.com/activemerchant/active_merchant/wikis) contains a [table of features supported by each gateway](http://github.com/activemerchant/active_merchant/wikis/gatewayfeaturematrix).
+The [ActiveMerchant Wiki](https://github.com/activemerchant/active_merchant/wikis) contains a [table of features supported by each gateway](https://github.com/activemerchant/active_merchant/wiki/Gateway-Feature-Matrix).
 
 * [Authorize.Net CIM](http://www.authorize.net/) - US
 * [Authorize.Net](http://www.authorize.net/) - AD, AT, AU, BE, BG, CA, CH, CY, CZ, DE, DK, ES, FI, FR, GB, GB, GI, GR, HU, IE, IT, LI, LU, MC, MT, NL, NO, PL, PT, RO, SE, SI, SK, SM, TR, US, VA
 * [Axcess MS](http://www.axcessms.com/) - AD, AT, BE, BG, BR, CA, CH, CY, CZ, DE, DK, EE, ES, FI, FO, FR, GB, GI, GR, HR, HU, IE, IL, IM, IS, IT, LI, LT, LU, LV, MC, MT, MX, NL, NO, PL, PT, RO, RU, SE, SI, SK, TR, US, VA
 * [Balanced](https://www.balancedpayments.com/) - US
+* [Bambora Asia-Pacific](http://www.bambora.com/) - AU, NZ
 * [Bank Frick](http://www.bankfrickacquiring.com/) - LI, US
 * [Banwire](http://www.banwire.com/) - MX
 * [Barclays ePDQ Extra Plus](http://www.barclaycard.co.uk/business/accepting-payments/epdq-ecomm/) - GB
@@ -192,7 +196,7 @@ The [ActiveMerchant Wiki](http://github.com/activemerchant/active_merchant/wikis
 * [Paystation](http://paystation.co.nz) - NZ
 * [Pay Way](http://www.payway.com.au) - AU
 * [PayU India](https://www.payu.in/) - IN
-* [Pin Payments](http://www.pin.net.au/) - AU
+* [Pin Payments](http://www.pinpayments.com/) - AU
 * [Plug'n Pay](http://www.plugnpay.com/) - US
 * [Psigate](http://www.psigate.com/) - CA
 * [PSL Payment Solutions](http://www.paymentsolutionsltd.com/) - GB

data/lib/active_merchant/billing/avs_result.rb

@@ -3,14 +3,13 @@
 module ActiveMerchant
   module Billing
     # Implements the Address Verification System
-    # https://www.wellsfargo.com/downloads/pdf/biz/merchant/visa_avs.pdf
+    # https://www.cybersource.com/developers/other_resources/quick_references/avs_results/.
     # http://en.wikipedia.org/wiki/Address_Verification_System
-    # http://apps.cybersource.com/library/documentation/dev_guides/CC_Svcs_IG/html/app_avs_cvn_codes.htm#app_AVS_CVN_codes_7891_48375
-    # http://imgserver.skipjack.com/imgServer/5293710/AVS%20and%20CVV2.pdf
     # http://www.emsecommerce.net/avs_cvv2_response_codes.htm
+    # https://www.cardfellow.com/blog/address-verification-service-avs/
     class AVSResult
       MESSAGES = {
-        'A' => 'Street address matches, but 5-digit and 9-digit postal code do not match.',
+        'A' => 'Street address matches, but postal code does not match.',
         'B' => 'Street address matches, but postal code not verified.',
         'C' => 'Street address and postal code do not match.',
         'D' => 'Street address and postal code match.',
@@ -23,7 +22,7 @@ module ActiveMerchant
         'K' => 'Card member\'s name matches but billing address and billing postal code do not match.',
         'L' => 'Card member\'s name and billing postal code match, but billing address does not match.',
         'M' => 'Street address and postal code match.',
-        'N' => 'Street address and postal code do not match.',
+        'N' => 'Street address and postal code do not match. For American Express: Card member\'s name, street address and postal code do not match.',
         'O' => 'Card member\'s name and billing address match, but billing postal code does not match.',
         'P' => 'Postal code matches, but street address not verified.',
         'Q' => 'Card member\'s name, billing address, and postal code match. Shipping information verified but chargeback protection not guaranteed.',

data/lib/active_merchant/billing/credit_card.rb

@@ -18,6 +18,10 @@ module ActiveMerchant #:nodoc:
     # * Dankort
     # * Maestro
     # * Forbrugsforeningen
+    # * Elo
+    # * Alelo
+    # * Cabal
+    # * Naranja
     #
     # For testing purposes, use the 'bogus' credit card brand. This skips the vast majority of
     # validations, allowing you to focus on your core concerns until you're ready to be more concerned
@@ -88,6 +92,10 @@ module ActiveMerchant #:nodoc:
       # * +'dankort'+
       # * +'maestro'+
       # * +'forbrugsforeningen'+
+      # * +'elo'+
+      # * +'alelo'+
+      # * +'cabal'+
+      # * +'naranja'+
       #
       # Or, if you wish to test your implementation, +'bogus'+.
       #

data/lib/active_merchant/billing/credit_card_methods.rb

@@ -5,15 +5,19 @@ module ActiveMerchant #:nodoc:
       CARD_COMPANY_DETECTORS = {
         'visa'               => ->(num) { num =~ /^4\d{12}(\d{3})?(\d{3})?$/ },
         'master'             => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), MASTERCARD_RANGES) },
-        'discover'           => ->(num) { num =~ /^(6011|65\d{2}|64[4-9]\d)\d{12}|(62\d{14})$/ },
+        'elo'                => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), ELO_RANGES) },
+        'alelo'              => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), ALELO_RANGES) },
+        'discover'           => ->(num) { num =~ /^(6011|65\d{2}|64[4-9]\d)\d{12,15}|(62\d{14,17})$/ },
         'american_express'   => ->(num) { num =~ /^3[47]\d{13}$/ },
+        'naranja'            => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 6), NARANJA_RANGES) },
         'diners_club'        => ->(num) { num =~ /^3(0[0-5]|[68]\d)\d{11}$/ },
         'jcb'                => ->(num) { num =~ /^35(28|29|[3-8]\d)\d{12}$/ },
         'dankort'            => ->(num) { num =~ /^5019\d{12}$/ },
         'maestro'            => ->(num) { (12..19).cover?(num&.size) && in_bin_range?(num.slice(0, 6), MAESTRO_RANGES) },
         'forbrugsforeningen' => ->(num) { num =~ /^600722\d{10}$/ },
-        'sodexo'             => ->(num) { num =~ /^(606071|603389|606070|606069|606068|600818)\d{8}$/ },
-        'vr'                 => ->(num) { num =~ /^(627416|637036)\d{8}$/ },
+        'sodexo'             => ->(num) { num =~ /^(606071|603389|606070|606069|606068|600818)\d{10}$/ },
+        'vr'                 => ->(num) { num =~ /^(627416|637036)\d{10}$/ },
+        'cabal'              => ->(num) { num&.size == 16 && in_bin_range?(num.slice(0, 8), CABAL_RANGES) },
         'carnet'             => lambda { |num|
           num&.size == 16 && (
             in_bin_range?(num.slice(0, 6), CARNET_RANGES) ||
@@ -62,10 +66,63 @@ module ActiveMerchant #:nodoc:
 
       # https://www.mastercard.us/content/dam/mccom/global/documents/mastercard-rules.pdf, page 73
       MAESTRO_RANGES = [
+        (561200..561269),
+        (561271..561299),
+        (561320..561356),
+        (581700..581751),
+        (581753..581800),
+        (589998..591259),
+        (591261..596770),
+        (596772..598744),
+        (598746..599999),
+        (600297..600314),
+        (600316..600335),
+        (600337..600362),
+        (600364..600382),
+        (601232..601254),
+        (601256..601276),
+        (601640..601652),
+        (601689..601700),
+        (602011..602050),
         (639000..639099),
         (670000..679999),
       ]
 
+      # https://dev.elo.com.br/apis/tabela-de-bins, download csv from left sidebar
+      ELO_RANGES = [
+        506707..506708, 506715..506715, 506718..506722, 506724..506724, 506726..506736, 506739..506739, 506741..506743,
+        506745..506747, 506753..506753, 506774..506776, 506778..506778, 509000..509001, 509003..509003, 509007..509007,
+        509020..509022, 509035..509035, 509039..509042, 509045..509045, 509048..509048, 509051..509071, 509073..509074,
+        509077..509080, 509084..509084, 509091..509094, 509098..509098, 509100..509100, 509104..509104, 509106..509109,
+        627780..627780, 636368..636368, 650031..650033, 650035..650045, 650047..650047, 650406..650410, 650434..650436,
+        650439..650439, 650485..650504, 650506..650530, 650577..650580, 650582..650591, 650721..650727, 650901..650922,
+        650928..650928, 650938..650939, 650946..650948, 650954..650955, 650962..650963, 650967..650967, 650971..650971,
+        651652..651667, 651675..651678, 655000..655010, 655012..655015, 655051..655052, 655056..655057
+      ]
+
+      # Alelo provides BIN ranges by e-mailing them out periodically.
+      # The BINs beginning with the digit 4 overlap with Visa's range of valid card numbers.
+      # By placing the 'alelo' entry in CARD_COMPANY_DETECTORS below the 'visa' entry, we
+      # identify these cards as Visa. This works because transactions with such cards will
+      # run on Visa rails.
+      ALELO_RANGES = [
+        402588..402588, 404347..404347, 405876..405876, 405882..405882, 405884..405884,
+        405886..405886, 430471..430471, 438061..438061, 438064..438064, 470063..470066,
+        496067..496067, 506699..506704, 506706..506706, 506713..506714, 506716..506716,
+        506749..506750, 506752..506752, 506754..506756, 506758..506762, 506764..506767,
+        506770..506771, 509015..509019, 509880..509882, 509884..509885, 509987..509988
+      ]
+
+      CABAL_RANGES = [
+        60420100..60440099,
+        58965700..58965799,
+        60352200..60352299
+      ]
+
+      NARANJA_RANGES = [
+        589562..589562
+      ]
+
       def self.included(base)
         base.extend(ClassMethods)
       end
@@ -141,7 +198,7 @@ module ActiveMerchant #:nodoc:
           valid_test_mode_card_number?(number) ||
             valid_card_number_length?(number) &&
             valid_card_number_characters?(number) &&
-            valid_checksum?(number)
+            valid_by_algorithm?(brand?(number), number)
         end
 
         def card_companies
@@ -215,6 +272,15 @@ module ActiveMerchant #:nodoc:
             %w[1 2 3 success failure error].include?(number)
         end
 
+        def valid_by_algorithm?(brand, numbers) #:nodoc:
+          case brand
+          when 'naranja'
+            valid_naranja_algo?(numbers)
+          else
+            valid_luhn?(numbers)
+          end
+        end
+
         ODD_LUHN_VALUE = {
           48 => 0,
           49 => 1,
@@ -245,7 +311,7 @@ module ActiveMerchant #:nodoc:
         # Checks the validity of a card number by use of the Luhn Algorithm.
         # Please see http://en.wikipedia.org/wiki/Luhn_algorithm for details.
         # This implementation is from the luhn_checksum gem, https://github.com/zendesk/luhn_checksum.
-        def valid_checksum?(numbers) #:nodoc:
+        def valid_luhn?(numbers) #:nodoc:
           sum = 0
 
           odd = true
@@ -261,6 +327,16 @@ module ActiveMerchant #:nodoc:
 
           sum % 10 == 0
         end
+
+        # Checks the validity of a card number by use of Naranja's specific algorithm.
+        def valid_naranja_algo?(numbers) #:nodoc:
+          num_array = numbers.to_s.chars.map(&:to_i)
+          multipliers = [4, 3, 2, 7, 6, 5, 4, 3, 2, 7, 6, 5, 4, 3, 2]
+          num_sum = num_array[0..14].zip(multipliers).map { |a, b| a*b }.reduce(:+)
+          intermediate = 11 - (num_sum % 11)
+          final_num = intermediate > 9 ? 0 : intermediate
+          final_num == num_array[15]
+        end
       end
     end
   end

data/lib/active_merchant/billing/gateway.rb

@@ -200,6 +200,16 @@ module ActiveMerchant #:nodoc:
         false
       end
 
+      def add_fields_to_post_if_present(post, options, fields)
+        fields.each do |field|
+          add_field_to_post_if_present(post, options, field)
+        end
+      end
+
+      def add_field_to_post_if_present(post, options, field)
+        post[field] = options[field] if options[field]
+      end
+
       protected # :nodoc: all
 
       def normalize(field)