aktivemerchant 2.0.0

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

@@ -0,0 +1,448 @@
+require 'nokogiri'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # iTransact, Inc. is an authorized reseller of the PaymentClearing gateway. If your merchant service provider uses PaymentClearing.com to process payments, you can use this module.
+    #
+    #
+    # Please note, the username and API Access Key are not what you use to log into the Merchant Control Panel.
+    #
+    # ==== How to get your GatewayID and API Access Key
+    #
+    # 1. If you don't already have a Gateway Account, go to http://www.itransact.com/merchant/test.html to sign up.
+    # 2. Go to http://support.paymentclearing.com and login or register, if necessary.
+    # 3. Click on "Submit a Ticket."
+    # 4. Select "Merchant Support" as the department and click "Next"
+    # 5. Enter *both* your company name and GatewayID. Put "API Access Key" in the subject.  In the body, you can request a username, but it may already be in use.
+    #
+    # ==== Initialization
+    #
+    # Once you have the username, API Access Key, and your GatewayId, you're ready
+    # to begin.  You initialize the Gateway like so:
+    #
+    #   gateway = ActiveMerchant::Billing::ItransactGateway.new(
+    #     :login => "#{THE_USERNAME}",
+    #     :password => "#{THE_API_ACCESS_KEY}",
+    #     :gateway_id => "#{THE_GATEWAY_ID}"
+    #   )
+    #
+    # ==== Important Notes
+    # 1. Recurring is not implemented
+    # 1. CreditTransactions are not implemented (these are credits not related to a previously run transaction).
+    # 1. TransactionStatus is not implemented
+    #
+    class ItransactGateway < Gateway
+      self.live_url = self.test_url = 'https://secure.paymentclearing.com/cgi-bin/rc/xmltrans2.cgi'
+
+      # The countries the gateway supports merchants from as 2 digit ISO country codes
+      self.supported_countries = ['US']
+
+      # The card types supported by the payment gateway
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+
+      # The homepage URL of the gateway
+      self.homepage_url = 'http://www.itransact.com/'
+
+      # The name of the gateway
+      self.display_name = 'iTransact'
+
+      #
+      # Creates a new instance of the iTransact Gateway.
+      #
+      # ==== Parameters
+      # * <tt>options</tt> - A Hash of options
+      #
+      # ==== Options Hash
+      # * <tt>:login</tt> - A String containing your PaymentClearing assigned API Access Username
+      # * <tt>:password</tt> - A String containing your PaymentClearing assigned API Access Key
+      # * <tt>:gateway_id</tt> - A String containing your PaymentClearing assigned GatewayID
+      # * <tt>:test_mode</tt> - <tt>true</tt> or <tt>false</tt>. Run *all* transactions with the 'TestMode' element set to 'TRUE'.
+      #
+      def initialize(options = {})
+        requires!(options, :login, :password, :gateway_id)
+        super
+      end
+
+      # Performs an authorize transaction.  In PaymentClearing's documentation
+      # this is known as a "PreAuth" transaction.
+      #
+      # ==== Parameters
+      # * <tt>money</tt> - The amount to be captured. Should be an Integer amount in cents.
+      # * <tt>creditcard</tt> - The CreditCard details for the transaction
+      # * <tt>options</tt> - A Hash of options
+      #
+      # ==== Options Hash
+      # The standard options apply here (:order_id, :ip, :customer, :invoice, :merchant, :description, :email, :currency, :address, :billing_address, :shipping_address), as well as:
+      # * <tt>:order_items</tt> - An Array of Hash objects with the keys <tt>:description</tt>, <tt>:cost</tt> (in cents!), and <tt>:quantity</tt>.  If this is provided, <tt>:description</tt> and <tt>money</tt> will be ignored.
+      # * <tt>:vendor_data</tt> - An Array of Hash objects with the keys being the name of the VendorData element and value being the value.
+      # * <tt>:send_customer_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendCustomerEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:send_merchant_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendMerchantEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:email_text</tt> - An Array of (up to ten (10)) String objects to be included in emails
+      # * <tt>:test_mode</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'TestMode' element set to 'TRUE' or 'FALSE'.
+      #
+      # ==== Examples
+      #  response = gateway.authorize(1000, creditcard,
+      #    :order_id => '1212', :address => {...}, :email => 'test@test.com',
+      #    :order_items => [
+      #      {:description => 'Line Item 1', :cost => '8.98', :quantity => '6'},
+      #      {:description => 'Line Item 2', :cost => '6.99', :quantity => '4'}
+      #    ],
+      #    :vendor_data => [{'repId' => '1234567'}, {'customerId' => '9886'}],
+      #    :send_customer_email => true,
+      #    :send_merchant_email => true,
+      #    :email_text => ['line1', 'line2', 'line3'],
+      #    :test_mode => true
+      #  )
+      #
+      def authorize(money, payment_source, options = {})
+        payload = Nokogiri::XML::Builder.new do |xml|
+          xml.AuthTransaction {
+            xml.Preauth
+            add_customer_data(xml, payment_source, options)
+            add_invoice(xml, money, options)
+            add_payment_source(xml, payment_source)
+            add_transaction_control(xml, options)
+            add_vendor_data(xml, options)
+          }
+        end.doc
+
+        commit(payload)
+      end
+
+      # Performs an authorize and capture in single transaction. In PaymentClearing's
+      # documentation this is known as an "Auth" or a "Sale" transaction
+      #
+      # ==== Parameters
+      # * <tt>money</tt> - The amount to be captured. Should be <tt>nil</tt> or an Integer amount in cents.
+      # * <tt>creditcard</tt> - The CreditCard details for the transaction
+      # * <tt>options</tt> - A Hash of options
+      #
+      # ==== Options Hash
+      # The standard options apply here (:order_id, :ip, :customer, :invoice, :merchant, :description, :email, :currency, :address, :billing_address, :shipping_address), as well as:
+      # * <tt>:order_items</tt> - An Array of Hash objects with the keys <tt>:description</tt>, <tt>:cost</tt> (in cents!), and <tt>:quantity</tt>.  If this is provided, <tt>:description</tt> and <tt>money</tt> will be ignored.
+      # * <tt>:vendor_data</tt> - An Array of Hash objects with the keys being the name of the VendorData element and value being the value.
+      # * <tt>:send_customer_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendCustomerEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:send_merchant_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendMerchantEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:email_text</tt> - An Array of (up to ten (10)) String objects to be included in emails
+      # * <tt>:test_mode</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'TestMode' element set to 'TRUE' or 'FALSE'.
+      #
+      # ==== Examples
+      #  response = gateway.purchase(1000, creditcard,
+      #    :order_id => '1212', :address => {...}, :email => 'test@test.com',
+      #    :order_items => [
+      #      {:description => 'Line Item 1', :cost => '8.98', :quantity => '6'},
+      #      {:description => 'Line Item 2', :cost => '6.99', :quantity => '4'}
+      #    ],
+      #    :vendor_data => [{'repId' => '1234567'}, {'customerId' => '9886'}],
+      #    :send_customer_email => true,
+      #    :send_merchant_email => true,
+      #    :email_text => ['line1', 'line2', 'line3'],
+      #    :test_mode => true
+      #  )
+      #
+      def purchase(money, payment_source, options = {})
+        payload = Nokogiri::XML::Builder.new do |xml|
+          xml.AuthTransaction {
+            add_customer_data(xml, payment_source, options)
+            add_invoice(xml, money, options)
+            add_payment_source(xml, payment_source)
+            add_transaction_control(xml, options)
+            add_vendor_data(xml, options)
+          }
+        end.doc
+
+        commit(payload)
+      end
+
+      # Captures the funds from an authorize transaction.  In PaymentClearing's
+      # documentation this is known as a "PostAuth" transaction.
+      #
+      # ==== Parameters
+      # * <tt>money</tt> - The amount to be captured. Should be an Integer amount in cents
+      # * <tt>authorization</tt> - The authorization returned from the previous capture or purchase request
+      # * <tt>options</tt> - A Hash of options, all are optional.
+      #
+      # ==== Options Hash
+      # The standard options apply here (:order_id, :ip, :customer, :invoice, :merchant, :description, :email, :currency, :address, :billing_address, :shipping_address), as well as:
+      # * <tt>:vendor_data</tt> - An Array of Hash objects with the keys being the name of the VendorData element and value being the value.
+      # * <tt>:send_customer_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendCustomerEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:send_merchant_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendMerchantEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:email_text</tt> - An Array of (up to ten (10)) String objects to be included in emails
+      # * <tt>:test_mode</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'TestMode' element set to 'TRUE' or 'FALSE'.
+      #
+      # ==== Examples
+      #  response = gateway.capture(1000, creditcard,
+      #    :vendor_data => [{'repId' => '1234567'}, {'customerId' => '9886'}],
+      #    :send_customer_email => true,
+      #    :send_merchant_email => true,
+      #    :email_text => ['line1', 'line2', 'line3'],
+      #    :test_mode => true
+      #  )
+      #
+      def capture(money, authorization, options = {})
+        payload = Nokogiri::XML::Builder.new do |xml|
+          xml.PostAuthTransaction {
+            xml.OperationXID(authorization)
+            add_invoice(xml, money, options)
+            add_transaction_control(xml, options)
+            add_vendor_data(xml, options)
+          }
+        end.doc
+
+        commit(payload)
+      end
+
+      # This will reverse a previously run transaction which *has* *not* settled.
+      #
+      # ==== Parameters
+      # * <tt>authorization</tt> - The authorization returned from the previous capture or purchase request
+      # * <tt>options</tt> - A Hash of options, all are optional
+      #
+      # ==== Options Hash
+      # The standard options (:order_id, :ip, :customer, :invoice, :merchant, :description, :email, :currency, :address, :billing_address, :shipping_address) are ignored.
+      # * <tt>:vendor_data</tt> - An Array of Hash objects with the keys being the name of the VendorData element and value being the value.
+      # * <tt>:send_customer_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendCustomerEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:send_merchant_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendMerchantEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:email_text</tt> - An Array of (up to ten (10)) String objects to be included in emails
+      # * <tt>:test_mode</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'TestMode' element set to 'TRUE' or 'FALSE'.
+      #
+      # ==== Examples
+      #  response = gateway.void('9999999999',
+      #    :vendor_data => [{'repId' => '1234567'}, {'customerId' => '9886'}],
+      #    :send_customer_email => true,
+      #    :send_merchant_email => true,
+      #    :email_text => ['line1', 'line2', 'line3'],
+      #    :test_mode => true
+      #  )
+      #
+      def void(authorization, options = {})
+        payload = Nokogiri::XML::Builder.new do |xml|
+          xml.VoidTransaction {
+            xml.OperationXID(authorization)
+            add_transaction_control(xml, options)
+            add_vendor_data(xml, options)
+          }
+        end.doc
+
+        commit(payload)
+      end
+
+      # This will reverse a previously run transaction which *has* settled.
+      #
+      # ==== Parameters
+      # * <tt>money</tt> - The amount to be credited. Should be an Integer amount in cents
+      # * <tt>authorization</tt> - The authorization returned from the previous capture or purchase request
+      # * <tt>options</tt> - A Hash of options, all are optional
+      #
+      # ==== Options Hash
+      # The standard options (:order_id, :ip, :customer, :invoice, :merchant, :description, :email, :currency, :address, :billing_address, :shipping_address) are ignored.
+      # * <tt>:vendor_data</tt> - An Array of Hash objects with the keys being the name of the VendorData element and value being the value.
+      # * <tt>:send_customer_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendCustomerEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:send_merchant_email</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'SendMerchantEmail' element set to 'TRUE' or 'FALSE'.
+      # * <tt>:email_text</tt> - An Array of (up to ten (10)) String objects to be included in emails
+      # * <tt>:test_mode</tt> - <tt>true</tt> or <tt>false</tt>. Runs the transaction with the 'TestMode' element set to 'TRUE' or 'FALSE'.
+      #
+      # ==== Examples
+      #  response = gateway.refund(555, '9999999999',
+      #    :vendor_data => [{'repId' => '1234567'}, {'customerId' => '9886'}],
+      #    :send_customer_email => true,
+      #    :send_merchant_email => true,
+      #    :email_text => ['line1', 'line2', 'line3'],
+      #    :test_mode => true
+      #  )
+      #
+      def refund(money, authorization, options = {})
+        payload = Nokogiri::XML::Builder.new do |xml|
+          xml.TranCredTransaction {
+            xml.OperationXID(authorization)
+            add_invoice(xml, money, options)
+            add_transaction_control(xml, options)
+            add_vendor_data(xml, options)
+          }
+        end.doc
+
+        commit(payload)
+      end
+
+      private
+
+      def add_customer_data(xml, payment_source, options)
+        billing_address = options[:billing_address] || options[:address]
+        shipping_address = options[:shipping_address] || options[:address]
+
+        xml.CustomerData {
+          xml.Email(options[:email]) unless options[:email].blank?
+          xml.CustId(options[:order_id]) unless options[:order_id].blank?
+          xml.BillingAddress {
+            xml.FirstName(payment_source.first_name || parse_first_name(billing_address[:name]))
+            xml.LastName(payment_source.last_name || parse_last_name(billing_address[:name]))
+            xml.Address1(billing_address[:address1])
+            xml.Address2(billing_address[:address2]) unless billing_address[:address2].blank?
+            xml.City(billing_address[:city])
+            xml.State(billing_address[:state])
+            xml.Zip(billing_address[:zip])
+            xml.Country(billing_address[:country])
+            xml.Phone(billing_address[:phone])
+          }
+          xml.ShippingAddress {
+            xml.FirstName(payment_source.first_name || parse_first_name(shipping_address[:name]))
+            xml.LastName(payment_source.last_name || parse_last_name(shipping_address[:name]))
+            xml.Address1(shipping_address[:address1])
+            xml.Address2(shipping_address[:address2]) unless shipping_address[:address2].blank?
+            xml.City(shipping_address[:city])
+            xml.State(shipping_address[:state])
+            xml.Zip(shipping_address[:zip])
+            xml.Country(shipping_address[:country])
+            xml.Phone(shipping_address[:phone])
+          } unless shipping_address.blank?
+        }
+      end
+
+      def add_invoice(xml, money, options)
+        xml.AuthCode options[:force] if options[:force]
+        if options[:order_items].blank?
+          xml.Total(amount(money)) unless(money.nil? || money < 0.01)
+          xml.Description(options[:description]) unless( options[:description].blank?)
+        else
+          xml.OrderItems {
+            options[:order_items].each do |item|
+              xml.Item {
+                xml.Description(item[:description])
+                xml.Cost(amount(item[:cost]))
+                xml.Qty(item[:quantity].to_s)
+              }
+            end
+          }
+        end
+      end
+
+      def add_payment_source(xml, source)
+        case determine_funding_source(source)
+        when :credit_card then add_creditcard(xml, source)
+        when :check       then add_check(xml, source)
+        end
+      end
+
+      def determine_funding_source(payment_source)
+        case payment_source
+        when ActiveMerchant::Billing::CreditCard
+          :credit_card
+        when ActiveMerchant::Billing::Check
+          :check
+        end
+      end
+
+      def add_creditcard(xml, creditcard)
+        xml.AccountInfo {
+          xml.CardAccount {
+            xml.AccountNumber(creditcard.number.to_s)
+            xml.ExpirationMonth(creditcard.month.to_s.rjust(2,'0'))
+            xml.ExpirationYear(creditcard.year.to_s)
+            xml.CVVNumber(creditcard.verification_value.to_s) unless creditcard.verification_value.blank?
+          }
+        }
+      end
+
+      def add_check(xml, check)
+        xml.AccountInfo {
+          xml.ABA(check.routing_number.to_s)
+          xml.AccountNumber(check.account_number.to_s)
+          xml.AccountSource(check.account_type.to_s)
+          xml.AccountType(check.account_holder_type.to_s)
+          xml.CheckNumber(check.number.to_s)
+        }
+      end
+
+      def add_transaction_control(xml, options)
+        xml.TransactionControl {
+          # if there was a 'global' option set...
+          xml.TestMode(@options[:test_mode].upcase) if !@options[:test_mode].blank?
+          # allow the global option to be overridden...
+          xml.TestMode(options[:test_mode].upcase) if !options[:test_mode].blank?
+          xml.SendCustomerEmail(options[:send_customer_email].upcase) unless options[:send_customer_email].blank?
+          xml.SendMerchantEmail(options[:send_merchant_email].upcase) unless options[:send_merchant_email].blank?
+          xml.EmailText {
+            options[:email_text].each do |item|
+              xml.EmailTextItem(item)
+            end
+          } if options[:email_text]
+        }
+      end
+
+      def add_vendor_data(xml, options)
+        return if options[:vendor_data].blank?
+        xml.VendorData {
+          options[:vendor_data].each do |k,v|
+            xml.Element {
+              xml.Name(k)
+              xml.Key(v)
+            }
+          end
+        }
+      end
+
+      def commit(payload)
+        # Set the Content-Type header -- otherwise the URL decoding messes up
+        # the Base64 encoded payload signature!
+        response = parse(ssl_post(self.live_url, post_data(payload), 'Content-Type' => 'text/xml'))
+
+        Response.new(successful?(response), response[:error_message], response,
+          :test => test?,
+          :authorization => response[:xid],
+          :avs_result => { :code => response[:avs_response] },
+          :cvv_result => response[:cvv_response])
+      end
+
+      def post_data(payload)
+        payload_xml = payload.root.to_xml(:indent => 0)
+
+        payload_signature = sign_payload(payload_xml)
+
+        request = Nokogiri::XML::Builder.new do |xml|
+          xml.GatewayInterface {
+            xml.APICredentials {
+              xml.Username(@options[:login])
+              xml.PayloadSignature(payload_signature)
+              xml.TargetGateway(@options[:gateway_id])
+            }
+          }
+        end.doc
+
+        request.root.children.first.after payload.root
+        request.to_xml(:indent => 0)
+      end
+
+      def parse(raw_xml)
+        doc = REXML::Document.new(raw_xml)
+        response = Hash.new
+        transaction_result = doc.root.get_elements('TransactionResponse/TransactionResult/*')
+        transaction_result.each do |e|
+          response[e.name.to_s.underscore.to_sym] = e.text unless e.text.blank?
+        end
+        response
+      end
+
+      def successful?(response)
+        # Turns out the PaymentClearing gateway is not consistent...
+        response[:status].downcase =='ok'
+      end
+
+      def test_mode?(response)
+        # The '1' is a legacy thing; most of the time it should be 'TRUE'...
+        response[:test_mode] == 'TRUE' || response[:test_mode] == '1'
+      end
+
+      def message_from(response)
+        response[:error_message]
+      end
+
+      def sign_payload(payload)
+        key = @options[:password].to_s
+        digest=OpenSSL::HMAC.digest(OpenSSL::Digest::SHA1.new(key), key, payload)
+        signature = Base64.encode64(digest)
+        signature.chomp!
+      end
+    end
+  end
+end
+

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

@@ -0,0 +1,275 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class JetpayGateway < Gateway
+      self.test_url = 'https://test1.jetpay.com/jetpay'
+      self.live_url = 'https://gateway17.jetpay.com/jetpay'
+
+      # The countries the gateway supports merchants from as 2 digit ISO country codes
+      self.supported_countries = ['US']
+
+      # The card types supported by the payment gateway
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+
+      # The homepage URL of the gateway
+      self.homepage_url = 'http://www.jetpay.com/'
+
+      # The name of the gateway
+      self.display_name = 'JetPay'
+
+      # all transactions are in cents
+      self.money_format = :cents
+
+      ACTION_CODE_MESSAGES = {
+        "001" =>  "Refer to card issuer.",
+        "002" =>  "Refer to card issuer, special condition.",
+        "003" =>  "Pick up card.",
+        "200" =>  "Deny - Pick up card.",
+        "005" =>  "Do not honor.",
+        "100" =>  "Deny.",
+        "006" =>  "Error.",
+        "181" =>  "Format error.",
+        "007" =>  "Pickup card, special condition.",
+        "104" =>  "Deny - New card issued.",
+        "110" =>  "Invalid amount.",
+        "014" =>  "Invalid account number (no such number).",
+        "111" =>  "Invalid account.",
+        "015" =>  "No such issuer.",
+        "103" =>  "Deny - Invalid manual Entry 4DBC.",
+        "182" =>  "Please wait.",
+        "109" =>  "Invalid merchant.",
+        "041" =>  "Pick up card (lost card).",
+        "043" =>  "Pick up card (stolen card).",
+        "051" =>  "Insufficient funds.",
+        "052" =>  "No checking account.",
+        "105" =>  "Deny - Account Cancelled.",
+        "054" =>  "Expired Card.",
+        "101" =>  "Expired Card.",
+        "183" =>  "Invalid currency code.",
+        "057" =>  "Transaction not permitted to cardholder.",
+        "115" =>  "Service not permitted.",
+        "062" =>  "Restricted card.",
+        "189" =>  "Deny - Cancelled or Closed Merchant/SE.",
+        "188" =>  "Deny - Expiration date required.",
+        "125" =>  "Invalid effective date.",
+        "122" =>  "Invalid card (CID) security code.",
+        "400" =>  "Reversal accepted.",
+        "992" =>  "DECLINE/TIMEOUT.",
+        "107" =>  "Please Call Issuer.",
+        "025" =>  "Transaction Not Found.",
+        "981" =>  "AVS Error.",
+        "913" =>  "Invalid Card Type.",
+        "996" =>  "Terminal ID Not Found.",
+        nil   =>  "No response returned (missing credentials?)."
+      }
+
+      def initialize(options = {})
+        requires!(options, :login)
+        super
+      end
+
+      def purchase(money, credit_card, options = {})
+        commit(money, build_sale_request(money, credit_card, options))
+      end
+
+      def authorize(money, credit_card, options = {})
+        commit(money, build_authonly_request(money, credit_card, options))
+      end
+
+      def capture(money, reference, options = {})
+        commit(money, build_capture_request('CAPT', reference.split(";").first))
+      end
+
+      def void(reference, options = {})
+        transaction_id, approval, amount = reference.split(";")
+        commit(amount.to_i, build_void_request(amount.to_i, transaction_id, approval))
+      end
+
+      def credit(money, transaction_id_or_card, options = {})
+        if transaction_id_or_card.is_a?(String)
+          ActiveMerchant.deprecated CREDIT_DEPRECATION_MESSAGE
+          refund(money, transaction_id_or_card, options)
+        else
+          commit(money, build_credit_request('CREDIT', money, nil, transaction_id_or_card))
+        end
+      end
+
+      def refund(money, reference, options = {})
+        transaction_id = reference.split(";").first
+        credit_card = options[:credit_card]
+        commit(money, build_credit_request('CREDIT', money, transaction_id, credit_card))
+      end
+
+
+      private
+
+      def build_xml_request(transaction_type, transaction_id = nil, &block)
+        xml = Builder::XmlMarkup.new
+        xml.tag! 'JetPay' do
+          # The basic values needed for any request
+          xml.tag! 'TerminalID', @options[:login]
+          xml.tag! 'TransactionType', transaction_type
+          xml.tag! 'TransactionID', transaction_id.nil? ? generate_unique_id.slice(0, 18) : transaction_id
+
+          if block_given?
+            yield xml
+          else
+            xml.target!
+          end
+        end
+      end
+
+      def build_sale_request(money, credit_card, options)
+        build_xml_request('SALE') do |xml|
+          add_credit_card(xml, credit_card)
+          add_addresses(xml, options)
+          add_customer_data(xml, options)
+          add_invoice_data(xml, options)
+          xml.tag! 'TotalAmount', amount(money)
+
+          xml.target!
+        end
+      end
+
+      def build_authonly_request(money, credit_card, options)
+        build_xml_request('AUTHONLY') do |xml|
+          add_credit_card(xml, credit_card)
+          add_addresses(xml, options)
+          add_customer_data(xml, options)
+          add_invoice_data(xml, options)
+          xml.tag! 'TotalAmount', amount(money)
+
+          xml.target!
+        end
+      end
+
+      def build_capture_request(transaction_type, transaction_id)
+        build_xml_request(transaction_type, transaction_id)
+      end
+
+      def build_void_request(money, transaction_id, approval)
+        build_xml_request('VOID', transaction_id) do |xml|
+          xml.tag! 'Approval', approval
+          xml.tag! 'TotalAmount', amount(money)
+
+          xml.target!
+        end
+      end
+
+      # `transaction_id` may be nil for unlinked credit transactions.
+      def build_credit_request(transaction_type, money, transaction_id, card)
+        build_xml_request(transaction_type, transaction_id) do |xml|
+          add_credit_card(xml, card) if card
+          xml.tag! 'TotalAmount', amount(money)
+
+          xml.target!
+        end
+      end
+
+      def commit(money, request)
+        response = parse(ssl_post(test? ? self.test_url : self.live_url, request))
+
+        success = success?(response)
+        Response.new(success,
+          success ? 'APPROVED' : message_from(response),
+          response,
+          :test => test?,
+          :authorization => authorization_from(response, money),
+          :avs_result => { :code => response[:avs] },
+          :cvv_result => response[:cvv2]
+        )
+      end
+
+      def parse(body)
+        return {} if body.blank?
+
+        xml = REXML::Document.new(body)
+
+        response = {}
+        xml.root.elements.to_a.each do |node|
+          parse_element(response, node)
+        end
+        response
+      end
+
+      def parse_element(response, node)
+        if node.has_elements?
+          node.elements.each{|element| parse_element(response, element) }
+        else
+          response[node.name.underscore.to_sym] = node.text
+        end
+      end
+
+      def format_exp(value)
+        format(value, :two_digits)
+      end
+
+      def success?(response)
+        response[:action_code] == "000"
+      end
+
+      def message_from(response)
+        ACTION_CODE_MESSAGES[response[:action_code]]
+      end
+
+      def authorization_from(response, money)
+        original_amount = amount(money) if money
+        [ response[:transaction_id], response[:approval], original_amount ].join(";")
+      end
+
+      def add_credit_card(xml, credit_card)
+        xml.tag! 'CardNum', credit_card.number
+        xml.tag! 'CardExpMonth', format_exp(credit_card.month)
+        xml.tag! 'CardExpYear', format_exp(credit_card.year)
+
+        if credit_card.first_name || credit_card.last_name
+          xml.tag! 'CardName', [credit_card.first_name,credit_card.last_name].compact.join(' ')
+        end
+
+        unless credit_card.verification_value.nil? || (credit_card.verification_value.length == 0)
+          xml.tag! 'CVV2', credit_card.verification_value
+        end
+      end
+
+      def add_addresses(xml, options)
+        if billing_address = options[:billing_address] || options[:address]
+          xml.tag! '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]
+          xml.tag! 'BillingCountry', lookup_country_code(billing_address[:country])
+          xml.tag! 'BillingPhone', billing_address[:phone]
+        end
+
+        if shipping_address = options[:shipping_address]
+          xml.tag! 'ShippingInfo' do
+            xml.tag! 'ShippingName', shipping_address[:name]
+
+            xml.tag! 'ShippingAddr' do
+              xml.tag! 'Address', [shipping_address[:address1], shipping_address[:address2]].compact.join(" ")
+              xml.tag! 'City', shipping_address[:city]
+              xml.tag! 'StateProv', shipping_address[:state]
+              xml.tag! 'PostalCode', shipping_address[:zip]
+              xml.tag! 'Country', lookup_country_code(shipping_address[:country])
+            end
+          end
+        end
+      end
+
+      def add_customer_data(xml, options)
+        xml.tag! 'Email', options[:email] if options[:email]
+        xml.tag! 'UserIPAddress', options[:ip] if options[:ip]
+      end
+
+      def add_invoice_data(xml, options)
+        xml.tag! 'OrderNumber', options[:order_id] if options[:order_id]
+        xml.tag! 'TaxAmount', amount(options[:tax]) if options[:tax]
+      end
+
+      def lookup_country_code(code)
+        country = Country.find(code) rescue nil
+        country && country.code(:alpha3)
+      end
+    end
+  end
+end
+