aktivemerchant 2.0.0

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

@@ -0,0 +1,291 @@
+require 'rexml/document'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+
+    # To learn more about the Moneris (US) gateway, please contact
+    # ussales@moneris.com for a copy of their integration guide. For
+    # information on remote testing, please see "Test Environment Penny Value
+    # Response Table", and "Test Environment eFraud (AVS and CVD) Penny
+    # Response Values", available at Moneris' {eSelect Plus Documentation
+    # Centre}[https://www3.moneris.com/connect/en/documents/index.html].
+    class MonerisUsGateway < Gateway
+      self.test_url = 'https://esplusqa.moneris.com/gateway_us/servlet/MpgRequest'
+      self.live_url = 'https://esplus.moneris.com/gateway_us/servlet/MpgRequest'
+
+      self.supported_countries = ['US']
+      self.supported_cardtypes = [:visa, :master, :american_express, :diners_club, :discover]
+      self.homepage_url = 'http://www.monerisusa.com/'
+      self.display_name = 'Moneris (US)'
+
+      # Initialize the Gateway
+      #
+      # The gateway requires that a valid login and password be passed
+      # in the +options+ hash.
+      #
+      # ==== Options
+      #
+      # * <tt>:login</tt> -- Your Store ID
+      # * <tt>:password</tt> -- Your API Token
+      # * <tt>:cvv_enabled</tt> -- Specify that you would like the CVV passed to the gateway.
+      #                            Only particular account types at Moneris will allow this.
+      #                            Defaults to false.  (optional)
+      def initialize(options = {})
+        requires!(options, :login, :password)
+        @cvv_enabled = options[:cvv_enabled]
+        @avs_enabled = options[:avs_enabled]
+        options = { :crypt_type => 7 }.merge(options)
+        super
+      end
+
+      # Referred to as "PreAuth" in the Moneris integration guide, this action
+      # verifies and locks funds on a customer's card, which then must be
+      # captured at a later date.
+      #
+      # Pass in +order_id+ and optionally a +customer+ parameter.
+      def authorize(money, creditcard_or_datakey, options = {})
+        requires!(options, :order_id)
+        post = {}
+        add_payment_source(post, creditcard_or_datakey, options)
+        post[:amount]     = amount(money)
+        post[:order_id]   = options[:order_id]
+        post[:address]    = options[:billing_address] || options[:address]
+        post[:crypt_type] = options[:crypt_type] || @options[:crypt_type]
+        action = (post[:data_key].blank?) ? 'us_preauth' : 'us_res_preauth_cc'
+        commit(action, post)
+      end
+
+      # This action verifies funding on a customer's card and readies them for
+      # deposit in a merchant's account.
+      #
+      # Pass in <tt>order_id</tt> and optionally a <tt>customer</tt> parameter
+      def purchase(money, creditcard_or_datakey, options = {})
+        requires!(options, :order_id)
+        post = {}
+        add_payment_source(post, creditcard_or_datakey, options)
+        post[:amount]     = amount(money)
+        post[:order_id]   = options[:order_id]
+        post[:address]    = options[:billing_address] || options[:address]
+        post[:crypt_type] = options[:crypt_type] || @options[:crypt_type]
+        action = (post[:data_key].blank?) ? 'us_purchase' : 'us_res_purchase_cc'
+        commit(action, post)
+      end
+
+      # This method retrieves locked funds from a customer's account (from a
+      # PreAuth) and prepares them for deposit in a merchant's account.
+      #
+      # Note: Moneris requires both the order_id and the transaction number of
+      # the original authorization.  To maintain the same interface as the other
+      # gateways the two numbers are concatenated together with a ; separator as
+      # the authorization number returned by authorization
+      def capture(money, authorization, options = {})
+        commit 'us_completion', crediting_params(authorization, :comp_amount => amount(money))
+      end
+
+      # Voiding requires the original transaction ID and order ID of some open
+      # transaction. Closed transactions must be refunded. Note that the only
+      # methods which may be voided are +capture+ and +purchase+.
+      #
+      # Concatenate your transaction number and order_id by using a semicolon
+      # (';'). This is to keep the Moneris interface consistent with other
+      # gateways. (See +capture+ for details.)
+      def void(authorization, options = {})
+        commit 'us_purchasecorrection', crediting_params(authorization)
+      end
+
+      # Performs a refund. This method requires that the original transaction
+      # number and order number be included. Concatenate your transaction
+      # number and order_id by using a semicolon (';'). This is to keep the
+      # Moneris interface consistent with other gateways. (See +capture+ for
+      # details.)
+      def credit(money, authorization, options = {})
+        ActiveMerchant.deprecated CREDIT_DEPRECATION_MESSAGE
+        refund(money, authorization, options)
+      end
+
+      def refund(money, authorization, options = {})
+        commit 'us_refund', crediting_params(authorization, :amount => amount(money))
+      end
+
+      def store(credit_card, options = {})
+        post = {}
+        post[:pan] = credit_card.number
+        post[:expdate] = expdate(credit_card)
+        post[:crypt_type] = options[:crypt_type] || @options[:crypt_type]
+        commit('us_res_add_cc', post)
+      end
+
+      def unstore(data_key, options = {})
+        post = {}
+        post[:data_key] = data_key
+        commit('us_res_delete', post)
+      end
+
+      def update(data_key, credit_card, options = {})
+        post = {}
+        post[:pan] = credit_card.number
+        post[:expdate] = expdate(credit_card)
+        post[:data_key] = data_key
+        post[:crypt_type] = options[:crypt_type] || @options[:crypt_type]
+        commit('us_res_update_cc', post)
+      end
+
+      private # :nodoc: all
+
+      def expdate(creditcard)
+        sprintf("%.4i", creditcard.year)[-2..-1] + sprintf("%.2i", creditcard.month)
+      end
+
+      def add_payment_source(post, source, options)
+        if source.is_a?(String)
+          post[:data_key]   = source
+          post[:cust_id]    = options[:customer]
+        else
+          post[:pan]        = source.number
+          post[:expdate]    = expdate(source)
+          post[:cvd_value]  = source.verification_value if source.verification_value?
+          post[:cust_id]    = options[:customer] || source.name
+        end
+      end
+
+      # Common params used amongst the +credit+, +void+ and +capture+ methods
+      def crediting_params(authorization, options = {})
+        {
+          :txn_number => split_authorization(authorization).first,
+          :order_id   => split_authorization(authorization).last,
+          :crypt_type => options[:crypt_type] || @options[:crypt_type]
+        }.merge(options)
+      end
+
+      # Splits an +authorization+ param and retrieves the order id and
+      # transaction number in that order.
+      def split_authorization(authorization)
+        if authorization.nil? || authorization.empty? || authorization !~ /;/
+          raise ArgumentError, 'You must include a valid authorization code (e.g. "1234;567")'
+        else
+          authorization.split(';')
+        end
+      end
+
+      def commit(action, parameters = {})
+        data = post_data(action, parameters)
+        url = test? ? self.test_url : self.live_url
+        raw = ssl_post(url, data)
+        response = parse(raw)
+
+        Response.new(successful?(response), message_from(response[:message]), response,
+          :test          => test?,
+          :avs_result    => { :code => response[:avs_result_code] },
+          :cvv_result    => response[:cvd_result_code] && response[:cvd_result_code][-1,1],
+          :authorization => authorization_from(response)
+        )
+      end
+
+      # Generates a Moneris authorization string of the form 'trans_id;receipt_id'.
+      def authorization_from(response = {})
+        if response[:trans_id] && response[:receipt_id]
+          "#{response[:trans_id]};#{response[:receipt_id]}"
+        end
+      end
+
+      # Tests for a successful response from Moneris' servers
+      def successful?(response)
+        response[:response_code] &&
+        response[:complete] &&
+        (0..49).include?(response[:response_code].to_i)
+      end
+
+      def parse(xml)
+        response = { :message => "Global Error Receipt", :complete => false }
+        hashify_xml!(xml, response)
+        response
+      end
+
+      def hashify_xml!(xml, response)
+        xml = REXML::Document.new(xml)
+        return if xml.root.nil?
+        xml.elements.each('//receipt/*') do |node|
+          response[node.name.underscore.to_sym] = normalize(node.text)
+        end
+      end
+
+      def post_data(action, parameters = {})
+        xml   = REXML::Document.new
+        root  = xml.add_element("request")
+        root.add_element("store_id").text  = options[:login]
+        root.add_element("api_token").text = options[:password]
+        root.add_element(transaction_element(action, parameters))
+
+        xml.to_s
+      end
+
+      def transaction_element(action, parameters)
+        transaction = REXML::Element.new(action)
+
+        # Must add the elements in the correct order
+        actions[action].each do |key|
+          case key
+          when :avs_info
+            transaction.add_element(avs_element(parameters[:address])) if @avs_enabled && parameters[:address]
+          when :cvd_info
+            transaction.add_element(cvd_element(parameters[:cvd_value])) if @cvv_enabled
+          else
+            transaction.add_element(key.to_s).text = parameters[key] unless parameters[key].blank?
+          end
+        end
+
+        transaction
+      end
+
+      def avs_element(address)
+        full_address = "#{address[:address1]} #{address[:address2]}"
+        tokens = full_address.split(/\s+/)
+
+        element = REXML::Element.new('avs_info')
+        element.add_element('avs_street_number').text = tokens.select{|x| x =~ /\d/}.join(' ')
+        element.add_element('avs_street_name').text = tokens.reject{|x| x =~ /\d/}.join(' ')
+        element.add_element('avs_zipcode').text = address[:zip]
+        element
+      end
+
+      def cvd_element(cvd_value)
+        element = REXML::Element.new('cvd_info')
+        if cvd_value
+          element.add_element('cvd_indicator').text = "1"
+          element.add_element('cvd_value').text = cvd_value
+        else
+          element.add_element('cvd_indicator').text = "0"
+        end
+        element
+      end
+
+      def message_from(message)
+        return 'Unspecified error' if message.blank?
+        message.gsub(/[^\w]/, ' ').split.join(" ").capitalize
+      end
+
+      def actions
+        {
+          "us_purchase"           => [:order_id, :cust_id, :amount, :pan, :expdate, :crypt_type, :avs_info, :cvd_info],
+          "us_preauth"            => [:order_id, :cust_id, :amount, :pan, :expdate, :crypt_type, :avs_info, :cvd_info],
+          "us_command"            => [:order_id],
+          "us_refund"             => [:order_id, :amount, :txn_number, :crypt_type],
+          "us_indrefund"          => [:order_id, :cust_id, :amount, :pan, :expdate, :crypt_type],
+          "us_completion"         => [:order_id, :comp_amount, :txn_number, :crypt_type],
+          "us_purchasecorrection" => [:order_id, :txn_number, :crypt_type],
+          "us_cavvpurcha"         => [:order_id, :cust_id, :amount, :pan, :expdate, :cav],
+          "us_cavvpreaut"         => [:order_id, :cust_id, :amount, :pan, :expdate, :cavv],
+          "us_transact"           => [:order_id, :cust_id, :amount, :pan, :expdate, :crypt_type],
+          "us_Batchcloseall"      => [],
+          "us_opentotals"         => [:ecr_number],
+          "us_batchclose"         => [:ecr_number],
+          "us_res_add_cc"         => [:pan, :expdate, :crypt_type],
+          "us_res_delete"         => [:data_key],
+          "us_res_update_cc"      => [:data_key, :pan, :expdate, :crypt_type],
+          "us_res_purchase_cc"    => [:data_key, :order_id, :cust_id, :amount, :crypt_type],
+          "us_res_preauth_cc"     => [:data_key, :order_id, :cust_id, :amount, :crypt_type]
+        }
+      end
+    end
+  end
+end

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

@@ -0,0 +1,152 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class MoneyMoversGateway < Gateway
+      self.live_url = self.test_url = 'https://secure.mmoagateway.com/api/transact.php'
+
+      APPROVED, DECLINED, ERROR = 1, 2, 3
+
+      self.homepage_url = 'http://mmoa.us/'
+      self.display_name = 'MoneyMovers'
+      self.supported_countries = ['US']
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+
+      def initialize(options = {})
+        requires!(options, :login, :password)
+        @options = options
+        super
+      end
+
+      def purchase(money, creditcard, options = {})
+        post = {}
+        add_invoice(post, options)
+        add_creditcard(post, creditcard)
+        add_address(post, options)
+        add_customer_data(post, options)
+        commit('sale', money, post)
+      end
+
+      def authorize(money, creditcard, options = {})
+        post = {}
+        add_invoice(post, options)
+        add_creditcard(post, creditcard)
+        add_address(post, options)
+        add_customer_data(post, options)
+        commit('auth', money, post)
+      end
+
+      def capture(money, authorization, options = {})
+        options[:transactionid] = authorization
+        commit('capture', money, options)
+      end
+
+      def void(authorization, options = {})
+        options[:transactionid] = authorization
+        commit('void', nil, options)
+      end
+
+      def refund(money, authorization, options = {})
+        commit('refund', money, options.merge(:transactionid => authorization))
+      end
+
+      def credit(money, authorization, options = {})
+        ActiveMerchant.deprecated CREDIT_DEPRECATION_MESSAGE
+        refund(money, authorization, options)
+      end
+
+      private
+
+      def add_customer_data(post, options)
+        post[:firstname] = options[:first_name]
+        post[:lastname] = options[:last_name]
+
+        post[:email] = options[:email]
+      end
+
+      def add_address(post, options)
+        if address = (options[:billing_address] || options[:address])
+          post[:company] = address[:company]
+          post[:address1] = address[:address1]
+          post[:address2] = address[:address2]
+          post[:city]    = address[:city]
+          post[:state]   = address[:state]
+          post[:zip]     = address[:zip]
+          post[:country] = address[:country]
+          post[:phone] = address[:phone]
+        end
+        if address = options[:shipping_address]
+          post[:shipping_firstname] = address[:first_name]
+          post[:shipping_lastname] = address[:last_name]
+          post[:shipping_company] = address[:company]
+          post[:shipping_address1] = address[:address1]
+          post[:shipping_address2] = address[:address2]
+          post[:shipping_city]    = address[:city]
+          post[:shipping_state]   = address[:state]
+          post[:shipping_zip]     = address[:zip]
+          post[:shipping_country] = address[:country]
+          post[:shipping_email]   = address[:email]
+        end
+      end
+
+      def add_invoice(post, options)
+        post[:orderid] = options[:order_id]
+        post[:orderdescription] = options[:description]
+      end
+
+      def add_creditcard(post, creditcard)
+        post[:ccnumber] = creditcard.number
+        post[:ccexp] = expdate(creditcard)
+        post[:cvv] = creditcard.verification_value
+      end
+
+      def parse(body)
+        body.split('&').inject({}) do |memo, x|
+          k, v = x.split('=')
+          memo[k] = v
+          memo
+        end
+      end
+
+      def commit(action, money, parameters)
+        parameters[:amount] = amount(money)
+
+        data = ssl_post(self.live_url, post_data(action, parameters))
+        response = parse(data)
+        message = message_from(response)
+
+        Response.new(success?(response), message, response,
+          :test => test?,
+          :authorization => response['transactionid'],
+          :avs_result => {:code =>  response['avsresponse']},
+          :cvv_result => response['cvvresponse']
+        )
+      end
+
+      def success?(response)
+        response['response'] == '1'
+      end
+
+      def test?
+        (@options[:login].eql?('demo')) && (@options[:password].eql?('password'))
+      end
+
+      def message_from(response)
+        case response['response'].to_i
+        when APPROVED
+          "Transaction Approved"
+        when DECLINED
+          "Transaction Declined"
+        else
+          "Error in transaction data or system error"
+        end
+      end
+
+      def post_data(action, parameters = {})
+        parameters[:type] = action
+        parameters[:username] = @options[:login]
+        parameters[:password] = @options[:password]
+        parameters.map{|k, v| "#{k}=#{CGI.escape(v.to_s)}"}.join('&')
+      end
+    end
+  end
+end
+

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

@@ -0,0 +1,280 @@
+require 'rexml/document'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # The National Australia Bank provide a payment gateway that seems to
+    # be a rebadged Securepay Australia service, though some differences exist.
+    class NabTransactGateway < Gateway
+      API_VERSION = 'xml-4.2'
+      PERIODIC_API_VERSION = "spxml-4.2"
+
+      class_attribute :test_periodic_url, :live_periodic_url
+
+      self.test_url = 'https://transact.nab.com.au/test/xmlapi/payment'
+      self.live_url = 'https://transact.nab.com.au/live/xmlapi/payment'
+      self.test_periodic_url = 'https://transact.nab.com.au/xmlapidemo/periodic'
+      self.live_periodic_url = 'https://transact.nab.com.au/xmlapi/periodic'
+
+      self.supported_countries = ['AU']
+      self.supported_cardtypes = [:visa, :master, :american_express, :diners_club, :jcb]
+
+      self.homepage_url = 'http://transact.nab.com.au'
+      self.display_name = 'NAB Transact'
+      self.money_format = :cents
+      self.default_currency = 'AUD'
+
+      #Transactions currently accepted by NAB Transact XML API
+      TRANSACTIONS = {
+        :purchase => 0,           #Standard Payment
+        :refund => 4,             #Refund
+        :void => 6,               #Client Reversal (Void)
+        :unmatched_refund => 666, #Unmatched Refund
+        :authorization => 10,     #Preauthorise
+        :capture => 11            #Preauthorise Complete (Advice)
+      }
+
+      PERIODIC_TYPES = {
+        :addcrn    => 5,
+        :editcrn   => 5,
+        :deletecrn => 5,
+        :trigger   => 8
+      }
+
+      SUCCESS_CODES = [ '00', '08', '11', '16', '77' ]
+
+
+      def initialize(options = {})
+        requires!(options, :login, :password)
+        super
+      end
+
+      def purchase(money, credit_card_or_stored_id, options = {})
+        if credit_card_or_stored_id.respond_to?(:number)
+          #Credit card for instant payment
+          commit :purchase, build_purchase_request(money, credit_card_or_stored_id, options)
+        else
+          #Triggered payment for an existing stored credit card
+          options[:billing_id] = credit_card_or_stored_id.to_s
+          commit_periodic build_periodic_item(:trigger, money, nil, options)
+        end
+      end
+
+      def credit(money, credit_card, options = {})
+        commit :unmatched_refund, build_purchase_request(money, credit_card, options)
+      end
+
+      def refund(money, authorization, options = {})
+        commit :refund, build_reference_request(money, authorization, options)
+      end
+
+      def authorize(money, credit_card, options = {})
+        commit :authorization, build_purchase_request(money, credit_card, options)
+      end
+
+      def capture(money, authorization, options = {})
+        commit :capture, build_reference_request(money, authorization, options)
+      end
+
+      def store(creditcard, options = {})
+        requires!(options, :billing_id, :amount)
+        commit_periodic(build_periodic_item(:addcrn, options[:amount], creditcard, options))
+      end
+
+      def unstore(identification, options = {})
+        options[:billing_id] = identification
+        commit_periodic(build_periodic_item(:deletecrn, options[:amount], nil, options))
+      end
+
+      private
+
+      def add_metadata(xml, options)
+        if options[:merchant_name] || options[:merchant_location]
+          xml.tag! 'metadata' do
+            xml.tag! 'meta', :name => 'ca_name', :value => options[:merchant_name] if options[:merchant_name]
+            xml.tag! 'meta', :name => 'ca_location', :value => options[:merchant_location] if options[:merchant_location]
+          end
+        end
+      end
+
+      def build_purchase_request(money, credit_card, options)
+        xml = Builder::XmlMarkup.new
+        xml.tag! 'amount', amount(money)
+        xml.tag! 'currency', options[:currency] || currency(money)
+        xml.tag! 'purchaseOrderNo', options[:order_id].to_s.gsub(/[ ']/, '')
+
+        xml.tag! 'CreditCardInfo' do
+          xml.tag! 'cardNumber', credit_card.number
+          xml.tag! 'expiryDate', expdate(credit_card)
+          xml.tag! 'cvv', credit_card.verification_value if credit_card.verification_value?
+        end
+
+        add_metadata(xml, options)
+
+        xml.target!
+      end
+
+      def build_reference_request(money, reference, options)
+        xml = Builder::XmlMarkup.new
+
+        transaction_id, order_id, preauth_id, original_amount = reference.split('*')
+
+        xml.tag! 'amount', (money ? amount(money) : original_amount)
+        xml.tag! 'currency', options[:currency] || currency(money)
+        xml.tag! 'txnID', transaction_id
+        xml.tag! 'purchaseOrderNo', order_id
+        xml.tag! 'preauthID', preauth_id
+
+        add_metadata(xml, options)
+
+        xml.target!
+      end
+
+      #Generate payment request XML
+      # - API is set to allow multiple Txn's but currently only allows one
+      # - txnSource = 23 - (XML)
+      def build_request(action, body)
+        xml = Builder::XmlMarkup.new
+        xml.instruct!
+        xml.tag! 'NABTransactMessage' do
+          xml.tag! 'MessageInfo' do
+            xml.tag! 'messageID', SecureRandom.hex(15)
+            xml.tag! 'messageTimestamp', generate_timestamp
+            xml.tag! 'timeoutValue', request_timeout
+            xml.tag! 'apiVersion', API_VERSION
+          end
+
+          xml.tag! 'MerchantInfo' do
+            xml.tag! 'merchantID', @options[:login]
+            xml.tag! 'password', @options[:password]
+          end
+
+          xml.tag! 'RequestType', 'Payment'
+          xml.tag! 'Payment' do
+            xml.tag! 'TxnList', "count" => 1 do
+              xml.tag! 'Txn', "ID" => 1 do
+                xml.tag! 'txnType', TRANSACTIONS[action]
+                xml.tag! 'txnSource', 23
+                xml << body
+              end
+            end
+          end
+        end
+
+        xml.target!
+      end
+
+      def build_periodic_item(action, money, credit_card, options)
+        xml = Builder::XmlMarkup.new
+
+        xml.tag! 'actionType', action.to_s
+        xml.tag! 'periodicType', PERIODIC_TYPES[action] if PERIODIC_TYPES[action]
+        xml.tag! 'currency', options[:currency] || currency(money)
+        xml.tag! 'crn', options[:billing_id]
+
+        if credit_card
+          xml.tag! 'CreditCardInfo' do
+            xml.tag! 'cardNumber', credit_card.number
+            xml.tag! 'expiryDate', expdate(credit_card)
+            xml.tag! 'cvv', credit_card.verification_value if credit_card.verification_value?
+          end
+        end
+        xml.tag! 'amount', amount(money)
+
+        xml.target!
+      end
+
+      def build_periodic_request(body)
+        xml = Builder::XmlMarkup.new
+        xml.instruct!
+        xml.tag! 'NABTransactMessage' do
+          xml.tag! 'MessageInfo' do
+            xml.tag! 'messageID', SecureRandom.hex(15)
+            xml.tag! 'messageTimestamp', generate_timestamp
+            xml.tag! 'timeoutValue', request_timeout
+            xml.tag! 'apiVersion', PERIODIC_API_VERSION
+          end
+
+          xml.tag! 'MerchantInfo' do
+            xml.tag! 'merchantID', @options[:login]
+            xml.tag! 'password', @options[:password]
+          end
+
+          xml.tag! 'RequestType', 'Periodic'
+          xml.tag! 'Periodic' do
+            xml.tag! 'PeriodicList', "count" => 1 do
+              xml.tag! 'PeriodicItem', "ID" => 1 do
+                xml << body
+              end
+            end
+          end
+        end
+
+        xml.target!
+      end
+
+      def commit(action, request)
+        response = parse(ssl_post(test? ? self.test_url : self.live_url, build_request(action, request)))
+
+        Response.new(success?(response), message_from(response), response,
+          :test => test?,
+          :authorization => authorization_from(response)
+        )
+      end
+
+      def commit_periodic(request)
+        response = parse(ssl_post(test? ? self.test_periodic_url : self.live_periodic_url, build_periodic_request(request)))
+        Response.new(success?(response), message_from(response), response,
+          :test => test?,
+          :authorization => authorization_from(response)
+        )
+      end
+
+      def success?(response)
+        SUCCESS_CODES.include?(response[:response_code])
+      end
+
+      def authorization_from(response)
+        [response[:txn_id], response[:purchase_order_no], response[:preauth_id], response[:amount]].join('*')
+      end
+
+      def message_from(response)
+        response[:response_text] || response[:status_description]
+      end
+
+      def expdate(credit_card)
+        "#{format(credit_card.month, :two_digits)}/#{format(credit_card.year, :two_digits)}"
+      end
+
+      def parse(body)
+        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
+
+      # YYYYDDMMHHNNSSKKK000sOOO
+      def generate_timestamp
+        time = Time.now.utc
+        time.strftime("%Y%d%m%H%M%S#{time.usec}+000")
+      end
+
+      def request_timeout
+        @options[:request_timeout] || 60
+      end
+
+    end
+  end
+end