aktivemerchant 2.0.0

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

@@ -0,0 +1,417 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # For more information on the Authorize.Net Gateway please visit their {Integration Center}[http://developer.authorize.net/]
+    #
+    # The login and password are not the username and password you use to
+    # login to the Authorize.Net Merchant Interface. Instead, you will
+    # use the API Login ID as the login and Transaction Key as the
+    # password.
+    #
+    # ==== How to Get Your API Login ID and Transaction Key
+    #
+    # 1. Log into the Merchant Interface
+    # 2. Select Settings from the Main Menu
+    # 3. Click on API Login ID and Transaction Key in the Security section
+    # 4. Type in the answer to the secret question configured on setup
+    # 5. Click Submit
+    #
+    # ==== Automated Recurring Billing (ARB)
+    #
+    # Automated Recurring Billing (ARB) is an optional service for submitting and managing recurring, or subscription-based, transactions.
+    #
+    # To use recurring, update_recurring, cancel_recurring and status_recurring ARB must be enabled for your account.
+    #
+    # Information about ARB is available on the {Authorize.Net website}[http://www.authorize.net/solutions/merchantsolutions/merchantservices/automatedrecurringbilling/].
+    # Information about the ARB API is available at the {Authorize.Net Integration Center}[http://developer.authorize.net/]
+    class AuthorizeNetArbGateway < Gateway
+      API_VERSION = '3.1'
+
+      self.test_url = 'https://apitest.authorize.net/xml/v1/request.api'
+      self.live_url = 'https://api.authorize.net/xml/v1/request.api'
+
+      self.default_currency = 'USD'
+
+      self.supported_countries = ['US', 'CA', 'GB']
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover, :diners_club, :jcb]
+      self.homepage_url = 'http://www.authorize.net/'
+      self.display_name = 'Authorize.Net'
+
+      AUTHORIZE_NET_ARB_NAMESPACE = 'AnetApi/xml/v1/schema/AnetApiSchema.xsd'
+
+      RECURRING_ACTIONS = {
+        :create => 'ARBCreateSubscription',
+        :update => 'ARBUpdateSubscription',
+        :cancel => 'ARBCancelSubscription',
+        :status => 'ARBGetSubscriptionStatus'
+      }
+
+      # Creates a new AuthorizeNetArbGateway
+      #
+      # The gateway requires that a valid login and password be passed
+      # in the +options+ hash.
+      #
+      # ==== Options
+      #
+      # * <tt>:login</tt> -- The Authorize.Net API Login ID (REQUIRED)
+      # * <tt>:password</tt> -- The Authorize.Net Transaction Key. (REQUIRED)
+      # * <tt>:test</tt> -- +true+ or +false+. If true, perform transactions against the test server.
+      #   Otherwise, perform transactions against the production server.
+      def initialize(options = {})
+        ActiveMerchant.deprecated "ARB functionality in ActiveMerchant is deprecated and will be removed in a future version. Please contact the ActiveMerchant maintainers if you have an interest in taking ownership of a separate gem that continues support for it."
+        requires!(options, :login, :password)
+        super
+      end
+
+      # Create a recurring payment.
+      #
+      # This transaction creates a new Automated Recurring Billing (ARB) subscription. Your account must have ARB enabled.
+      #
+      # ==== Parameters
+      #
+      # * <tt>money</tt> -- The amount to be charged to the customer at each interval as an Integer value in cents.
+      # * <tt>creditcard</tt> -- The CreditCard details for the transaction.
+      # * <tt>options</tt> -- A hash of parameters.
+      #
+      # ==== Options
+      #
+      # * <tt>:interval</tt> -- A hash containing information about the interval of time between payments. Must
+      #   contain the keys <tt>:length</tt> and <tt>:unit</tt>. <tt>:unit</tt> can be either <tt>:months</tt> or <tt>:days</tt>.
+      #   If <tt>:unit</tt> is <tt>:months</tt> then <tt>:length</tt> must be an integer between 1 and 12 inclusive.
+      #   If <tt>:unit</tt> is <tt>:days</tt> then <tt>:length</tt> must be an integer between 7 and 365 inclusive.
+      #   For example, to charge the customer once every three months the hash would be
+      #   +:interval => { :unit => :months, :length => 3 }+ (REQUIRED)
+      # * <tt>:duration</tt> -- A hash containing keys for the <tt>:start_date</tt> the subscription begins (also the date the
+      #   initial billing occurs) and the total number of billing <tt>:occurrences</tt> or payments for the subscription. (REQUIRED)
+      def recurring(money, creditcard, options={})
+        requires!(options, :interval, :duration, :billing_address)
+        requires!(options[:interval], :length, [:unit, :days, :months])
+        requires!(options[:duration], :start_date, :occurrences)
+        requires!(options[:billing_address], :first_name, :last_name)
+
+        options[:credit_card] = creditcard
+        options[:amount] = money
+
+        request = build_recurring_request(:create, options)
+        recurring_commit(:create, request)
+      end
+
+      # Update a recurring payment's details.
+      #
+      # This transaction updates an existing Automated Recurring Billing (ARB) subscription. Your account must have ARB enabled
+      # and the subscription must have already been created previously by calling +recurring()+. The ability to change certain
+      # details about a recurring payment is dependent on transaction history and cannot be determined until after calling
+      # +update_recurring()+. See the ARB XML Guide for such conditions.
+      #
+      # ==== Parameters
+      #
+      # * <tt>options</tt> -- A hash of parameters.
+      #
+      # ==== Options
+      #
+      # * <tt>:subscription_id</tt> -- A string containing the <tt>:subscription_id</tt> of the recurring payment already in place
+      #   for a given credit card. (REQUIRED)
+      def update_recurring(options={})
+        requires!(options, :subscription_id)
+        request = build_recurring_request(:update, options)
+        recurring_commit(:update, request)
+      end
+
+      # Cancel a recurring payment.
+      #
+      # This transaction cancels an existing Automated Recurring Billing (ARB) subscription. Your account must have ARB enabled
+      # and the subscription must have already been created previously by calling recurring()
+      #
+      # ==== Parameters
+      #
+      # * <tt>subscription_id</tt> -- A string containing the +subscription_id+ of the recurring payment already in place
+      #   for a given credit card. (REQUIRED)
+      def cancel_recurring(subscription_id)
+        request = build_recurring_request(:cancel, :subscription_id => subscription_id)
+        recurring_commit(:cancel, request)
+      end
+
+      # Get Subscription Status of a recurring payment.
+      #
+      # This transaction gets the status of an existing Automated Recurring Billing (ARB) subscription. Your account must have ARB enabled.
+      #
+      # ==== Parameters
+      #
+      # * <tt>subscription_id</tt> -- A string containing the +subscription_id+ of the recurring payment already in place
+      #   for a given credit card. (REQUIRED)
+      def status_recurring(subscription_id)
+        request = build_recurring_request(:status, :subscription_id => subscription_id)
+        recurring_commit(:status, request)
+      end
+
+      private
+
+      # Builds recurring billing request
+      def build_recurring_request(action, options = {})
+        unless RECURRING_ACTIONS.include?(action)
+          raise StandardError, "Invalid Automated Recurring Billing Action: #{action}"
+        end
+
+        xml = Builder::XmlMarkup.new(:indent => 2)
+        xml.instruct!(:xml, :version => '1.0', :encoding => 'utf-8')
+        xml.tag!("#{RECURRING_ACTIONS[action]}Request", :xmlns => AUTHORIZE_NET_ARB_NAMESPACE) do
+          add_merchant_authentication(xml)
+          # Merchant-assigned reference ID for the request
+          xml.tag!('refId', options[:ref_id]) if options[:ref_id]
+          send("build_#{action}_subscription_request", xml, options)
+        end
+      end
+
+      # Contains the merchant’s payment gateway account authentication information
+      def add_merchant_authentication(xml)
+        xml.tag!('merchantAuthentication') do
+          xml.tag!('name', @options[:login])
+          xml.tag!('transactionKey', @options[:password])
+        end
+      end
+
+      # Builds body for ARBCreateSubscriptionRequest
+      def build_create_subscription_request(xml, options)
+        # Subscription
+        add_subscription(xml, options)
+
+        xml.target!
+      end
+
+      # Builds body for ARBUpdateSubscriptionRequest
+      def build_update_subscription_request(xml, options)
+        xml.tag!('subscriptionId', options[:subscription_id])
+        # Adds Subscription
+        add_subscription(xml, options)
+
+        xml.target!
+      end
+
+      # Builds body for ARBCancelSubscriptionRequest
+      def build_cancel_subscription_request(xml, options)
+        xml.tag!('subscriptionId', options[:subscription_id])
+
+        xml.target!
+      end
+
+      # Builds body for ARBGetSubscriptionStatusRequest
+      def build_status_subscription_request(xml, options)
+        xml.tag!('subscriptionId', options[:subscription_id])
+
+        xml.target!
+      end
+
+      # Adds subscription information
+      def add_subscription(xml, options)
+        xml.tag!('subscription') do
+          # Merchant-assigned name for the subscription (optional)
+          xml.tag!('name', options[:subscription_name]) if options[:subscription_name]
+          # Contains information about the payment schedule
+          add_payment_schedule(xml, options)
+          # The amount to be billed to the customer
+          # for each payment in the subscription
+          xml.tag!('amount', amount(options[:amount])) if options[:amount]
+          if trial = options[:trial]
+            # The amount to be charged for each payment during a trial period (conditional)
+            xml.tag!('trialAmount', amount(trial[:amount])) if trial[:amount]
+          end
+          # Contains either the customer’s credit card
+          # or bank account payment information
+          add_payment(xml, options)
+          # Contains order information (optional)
+          add_order(xml, options)
+          # Contains information about the customer
+          add_customer(xml, options)
+          # Contains the customer's billing address information
+          add_address(xml, 'billTo', options[:billing_address])
+          # Contains the customer's shipping address information (optional)
+          add_address(xml, 'shipTo', options[:shipping_address])
+        end
+      end
+
+      # Adds information about the interval of time between payments
+      def add_interval(xml, options)
+        interval = options[:interval]
+        return unless interval
+        xml.tag!('interval') do
+          # The measurement of time, in association with the Interval Unit,
+          # that is used to define the frequency of the billing occurrences
+          xml.tag!('length', interval[:length])
+          # The unit of time, in association with the Interval Length,
+          # between each billing occurrence
+          xml.tag!('unit', interval[:unit].to_s)
+        end
+      end
+
+      # Adds information about the subscription duration
+      def add_duration(xml, options)
+        duration = options[:duration]
+        return unless duration
+        # The date the subscription begins
+        # (also the date the initial billing occurs)
+        xml.tag!('startDate', duration[:start_date]) if duration[:start_date]
+        # Number of billing occurrences or payments for the subscription
+        xml.tag!('totalOccurrences', duration[:occurrences]) if duration[:occurrences]
+      end
+
+      def add_payment_schedule(xml, options)
+        return unless options[:interval] || options[:duration]
+        xml.tag!('paymentSchedule') do
+          # Contains information about the interval of time between payments
+          add_interval(xml, options)
+          add_duration(xml, options)
+          if trial = options[:trial]
+            # Number of billing occurrences or payments in the trial period (optional)
+            xml.tag!('trialOccurrences', trial[:occurrences]) if trial[:occurrences]
+          end
+        end
+      end
+
+      # Adds customer's credit card or bank account payment information
+      def add_payment(xml, options)
+        return unless options[:credit_card] || options[:bank_account]
+        xml.tag!('payment') do
+          # Contains the customer’s credit card information
+          add_credit_card(xml, options)
+          # Contains the customer’s bank account information
+          add_bank_account(xml, options)
+        end
+      end
+
+      # Adds customer’s credit card information
+      # Note: This element should only be included
+      # when the payment method is credit card.
+      def add_credit_card(xml, options)
+        credit_card = options[:credit_card]
+        return unless credit_card
+        xml.tag!('creditCard') do
+          # The credit card number used for payment of the subscription
+          xml.tag!('cardNumber', credit_card.number)
+          # The expiration date of the credit card used for the subscription
+          xml.tag!('expirationDate', expdate(credit_card))
+        end
+      end
+
+      # Adds customer’s bank account information
+      # Note: This element should only be included
+      # when the payment method is bank account.
+      def add_bank_account(xml, options)
+        bank_account = options[:bank_account]
+        return unless bank_account
+        xml.tag!('bankAccount') do
+          # The type of bank account used for payment of the subscription
+          xml.tag!('accountType', bank_account[:account_type])
+          # The routing number of the customer’s bank
+          xml.tag!('routingNumber', bank_account[:routing_number])
+          # The bank account number used for payment of the subscription
+          xml.tag!('accountNumber', bank_account[:account_number])
+          # The full name of the individual associated
+          # with the bank account number
+          xml.tag!('nameOfAccount', bank_account[:name_of_account])
+          # The full name of the individual associated
+          # with the bank account number (optional)
+          xml.tag!('bankName', bank_account[:bank_name]) if bank_account[:bank_name]
+          # The type of electronic check transaction used for the subscription
+          xml.tag!('echeckType', bank_account[:echeck_type])
+        end
+      end
+
+      # Adds order information (optional)
+      def add_order(xml, options)
+        order = options[:order]
+        return unless order
+        xml.tag!('order') do
+          # Merchant-assigned invoice number for the subscription (optional)
+          xml.tag!('invoiceNumber', order[:invoice_number])
+          # Description of the subscription (optional)
+          xml.tag!('description', order[:description])
+        end
+      end
+
+      # Adds information about the customer
+      def add_customer(xml, options)
+        customer = options[:customer]
+        return unless customer
+        xml.tag!('customer') do
+          xml.tag!('type', customer[:type]) if customer[:type]
+          xml.tag!('id', customer[:id]) if customer[:id]
+          xml.tag!('email', customer[:email]) if customer[:email]
+          xml.tag!('phoneNumber', customer[:phone_number]) if customer[:phone_number]
+          xml.tag!('faxNumber', customer[:fax_number]) if customer[:fax_number]
+          add_drivers_license(xml, options)
+          xml.tag!('taxId', customer[:tax_id]) if customer[:tax_id]
+        end
+      end
+
+      # Adds the customer's driver's license information (conditional)
+      def add_drivers_license(xml, options)
+        return unless customer = options[:customer]
+        return unless drivers_license = customer[:drivers_license]
+        xml.tag!('driversLicense') do
+          # The customer's driver's license number
+          xml.tag!('number', drivers_license[:number])
+          # The customer's driver's license state
+          xml.tag!('state', drivers_license[:state])
+          # The customer's driver's license date of birth
+          xml.tag!('dateOfBirth', drivers_license[:date_of_birth])
+        end
+      end
+
+      # Adds address information
+      def add_address(xml, container_name, address)
+        return if address.blank?
+        xml.tag!(container_name) do
+          xml.tag!('firstName', address[:first_name])
+          xml.tag!('lastName', address[:last_name])
+          xml.tag!('company', address[:company])
+          xml.tag!('address', address[:address1])
+          xml.tag!('city', address[:city])
+          xml.tag!('state', address[:state])
+          xml.tag!('zip', address[:zip])
+          xml.tag!('country', address[:country])
+        end
+      end
+
+      def expdate(credit_card)
+        sprintf('%04d-%02d', credit_card.year, credit_card.month)
+      end
+
+      def recurring_commit(action, request)
+        url = test? ? test_url : live_url
+        xml = ssl_post(url, request, "Content-Type" => "text/xml")
+
+        response = recurring_parse(action, xml)
+
+        message = response[:message] || response[:text]
+        test_mode = test? || message =~ /Test Mode/
+        success = response[:result_code] == 'Ok'
+
+        Response.new(success, message, response,
+          :test => test_mode,
+          :authorization => response[:subscription_id]
+        )
+      end
+
+      def recurring_parse(action, xml)
+        response = {}
+        xml = REXML::Document.new(xml)
+        root = REXML::XPath.first(xml, "//#{RECURRING_ACTIONS[action]}Response") ||
+               REXML::XPath.first(xml, "//ErrorResponse")
+        if root
+          root.elements.to_a.each do |node|
+            recurring_parse_element(response, node)
+          end
+        end
+
+        response
+      end
+
+      def recurring_parse_element(response, node)
+        if node.has_elements?
+          node.elements.each{|e| recurring_parse_element(response, e) }
+        else
+          response[node.name.underscore.to_sym] = node.text
+        end
+      end
+    end
+  end
+end

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

@@ -0,0 +1,976 @@
+# -*- coding: utf-8 -*-
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # ==== Customer Information Manager (CIM)
+    #
+    # The Authorize.Net Customer Information Manager (CIM) is an optional additional service that allows you to store sensitive payment information on
+    # Authorize.Net's servers, simplifying payments for returning customers and recurring transactions. It can also help with Payment Card Industry (PCI)
+    # Data Security Standard compliance, since customer data is no longer stored locally.
+    #
+    # To use the AuthorizeNetCimGateway CIM must be enabled for your account.
+    #
+    # Information about CIM is available on the {Authorize.Net website}[http://www.authorize.net/solutions/merchantsolutions/merchantservices/cim/].
+    # Information about the CIM API is available at the {Authorize.Net Integration Center}[http://developer.authorize.net/]
+    #
+    # ==== Login and Password
+    #
+    # The login and password are not the username and password you use to
+    # login to the Authorize.Net Merchant Interface. Instead, you will
+    # use the API Login ID as the login and Transaction Key as the
+    # password.
+    #
+    # ==== How to Get Your API Login ID and Transaction Key
+    #
+    # 1. Log into the Merchant Interface
+    # 2. Select Settings from the Main Menu
+    # 3. Click on API Login ID and Transaction Key in the Security section
+    # 4. Type in the answer to the secret question configured on setup
+    # 5. Click Submit
+    class AuthorizeNetCimGateway < Gateway
+      self.test_url = 'https://apitest.authorize.net/xml/v1/request.api'
+      self.live_url = 'https://api.authorize.net/xml/v1/request.api'
+
+      AUTHORIZE_NET_CIM_NAMESPACE = 'AnetApi/xml/v1/schema/AnetApiSchema.xsd'
+
+      CIM_ACTIONS = {
+        :create_customer_profile => 'createCustomerProfile',
+        :create_customer_payment_profile => 'createCustomerPaymentProfile',
+        :create_customer_shipping_address => 'createCustomerShippingAddress',
+        :get_customer_profile => 'getCustomerProfile',
+        :get_customer_profile_ids => 'getCustomerProfileIds',
+        :get_customer_payment_profile => 'getCustomerPaymentProfile',
+        :get_customer_shipping_address => 'getCustomerShippingAddress',
+        :delete_customer_profile => 'deleteCustomerProfile',
+        :delete_customer_payment_profile => 'deleteCustomerPaymentProfile',
+        :delete_customer_shipping_address => 'deleteCustomerShippingAddress',
+        :update_customer_profile => 'updateCustomerProfile',
+        :update_customer_payment_profile => 'updateCustomerPaymentProfile',
+        :update_customer_shipping_address => 'updateCustomerShippingAddress',
+        :create_customer_profile_transaction => 'createCustomerProfileTransaction',
+        :validate_customer_payment_profile => 'validateCustomerPaymentProfile'
+      }
+
+      CIM_TRANSACTION_TYPES = {
+        :auth_capture => 'profileTransAuthCapture',
+        :auth_only => 'profileTransAuthOnly',
+        :capture_only => 'profileTransCaptureOnly',
+        :prior_auth_capture => 'profileTransPriorAuthCapture',
+        :refund => 'profileTransRefund',
+        :void => 'profileTransVoid'
+      }
+
+      CIM_VALIDATION_MODES = {
+        :none => 'none',
+        :test => 'testMode',
+        :live => 'liveMode',
+        :old => 'oldLiveMode'
+      }
+
+      BANK_ACCOUNT_TYPES = {
+        :checking => 'checking',
+        :savings => 'savings',
+        :business_checking => 'businessChecking'
+      }
+
+      ECHECK_TYPES = {
+        :ccd => 'CCD',
+        :ppd => 'PPD',
+        :web => 'WEB'
+      }
+
+      self.homepage_url = 'http://www.authorize.net/'
+      self.display_name = 'Authorize.Net CIM'
+      self.supported_countries = ['US']
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+
+      # Creates a new AuthorizeNetCimGateway
+      #
+      # The gateway requires that a valid API Login ID and Transaction Key be passed
+      # in the +options+ hash.
+      #
+      # ==== Options
+      #
+      # * <tt>:login</tt> -- The Authorize.Net API Login ID (REQUIRED)
+      # * <tt>:password</tt> -- The Authorize.Net Transaction Key. (REQUIRED)
+      # * <tt>:test</tt> -- +true+ or +false+. If true, perform transactions against the test server.
+      #   Otherwise, perform transactions against the production server.
+      # * <tt>:test_requests</tt> -- +true+ or +false+. If true, perform transactions without the
+      #   test flag. This is useful when you need to generate card declines, AVS or CVV errors.
+      #   Will hold the same value as :test by default.
+      # * <tt>:delimiter</tt> -- The delimiter used in the direct response.  Default is ',' (comma).
+      def initialize(options = {})
+        requires!(options, :login, :password)
+        super
+        @options[:test_requests] = test? if @options[:test_requests].nil?
+      end
+
+      # Creates a new customer profile along with any customer payment profiles and customer shipping addresses
+      # for the customer profile.
+      #
+      # Returns a Response with the Customer Profile ID of the new customer profile in the authorization field.
+      # It is *CRITICAL* that you save this ID. There is no way to retrieve this through the API. You will not
+      # be able to create another Customer Profile with the same information.
+      #
+      #
+      #
+      # ==== Options
+      #
+      # * <tt>:profile</tt> -- A hash containing at least one of the CONDITIONAL profile options below (REQUIRED)
+      #
+      # ==== Profile
+      #
+      # * <tt>:email</tt> -- Email address associated with the customer profile (CONDITIONAL)
+      # * <tt>:description</tt> -- Description of the customer or customer profile (CONDITIONAL)
+      # * <tt>:merchant_customer_id</tt> -- Merchant assigned ID for the customer (CONDITIONAL)
+      # * <tt>:payment_profile</tt> -- A hash containing the elements of the new payment profile (optional)
+      #
+      # ==== Payment Profile
+      #
+      # * <tt>:payment</tt> -- A hash containing information on payment. Either :credit_card or :bank_account (optional)
+      def create_customer_profile(options)
+        requires!(options, :profile)
+        requires!(options[:profile], :email) unless options[:profile][:merchant_customer_id] || options[:profile][:description]
+        requires!(options[:profile], :description) unless options[:profile][:email] || options[:profile][:merchant_customer_id]
+        requires!(options[:profile], :merchant_customer_id) unless options[:profile][:description] || options[:profile][:email]
+
+        request = build_request(:create_customer_profile, options)
+        commit(:create_customer_profile, request)
+      end
+
+      # Creates a new customer payment profile for an existing customer profile.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer the payment profile will be added to. (REQUIRED)
+      # * <tt>:payment_profile</tt> -- A hash containing the elements of the new payment profile (REQUIRED)
+      #
+      # ==== Payment Profile
+      #
+      # * <tt>:payment</tt> -- A hash containing information on payment. Either :credit_card or :bank_account (REQUIRED)
+      def create_customer_payment_profile(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :payment_profile)
+        requires!(options[:payment_profile], :payment)
+
+        request = build_request(:create_customer_payment_profile, options)
+        commit(:create_customer_payment_profile, request)
+      end
+
+      # Creates a new customer shipping address for an existing customer profile.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer the payment profile will be added to. (REQUIRED)
+      # * <tt>:address</tt> -- A hash containing the elements of the shipping address (REQUIRED)
+      def create_customer_shipping_address(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :address)
+
+        request = build_request(:create_customer_shipping_address, options)
+        commit(:create_customer_shipping_address, request)
+      end
+
+      # Deletes an existing customer profile along with all associated customer payment profiles and customer shipping addresses.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to be deleted. (REQUIRED)
+      def delete_customer_profile(options)
+        requires!(options, :customer_profile_id)
+
+        request = build_request(:delete_customer_profile, options)
+        commit(:delete_customer_profile, request)
+      end
+
+      # Deletes a customer payment profile from an existing customer profile.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be deleted. (REQUIRED)
+      # * <tt>:customer_payment_profile_id</tt> -- The Payment Profile ID of the payment profile to be deleted. (REQUIRED)
+      def delete_customer_payment_profile(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :customer_payment_profile_id)
+
+        request = build_request(:delete_customer_payment_profile, options)
+        commit(:delete_customer_payment_profile, request)
+      end
+
+      # Deletes a customer shipping address from an existing customer profile.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be deleted. (REQUIRED)
+      # * <tt>:customer_address_id</tt> -- The Shipping Address ID of the shipping address to be deleted. (REQUIRED)
+      def delete_customer_shipping_address(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :customer_address_id)
+
+        request = build_request(:delete_customer_shipping_address, options)
+        commit(:delete_customer_shipping_address, request)
+      end
+
+      # Retrieves an existing customer profile along with all the associated customer payment profiles and customer shipping addresses.
+      #
+      # Returns a Response whose params hash contains all the profile information.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to retrieve. (REQUIRED)
+      def get_customer_profile(options)
+        requires!(options, :customer_profile_id)
+
+        request = build_request(:get_customer_profile, options)
+        commit(:get_customer_profile, request)
+      end
+
+      def get_customer_profile_ids(options = {})
+        request = build_request(:get_customer_profile_ids, options)
+        commit(:get_customer_profile_ids, request)
+      end
+
+      # Retrieve a customer payment profile for an existing customer profile.
+      #
+      # Returns a Response whose params hash contains all the payment profile information. Sensitive information such as credit card
+      # numbers will be masked.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be retrieved. (REQUIRED)
+      # * <tt>:customer_payment_profile_id</tt> -- The Payment Profile ID of the payment profile to be retrieved. (REQUIRED)
+      def get_customer_payment_profile(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :customer_payment_profile_id)
+
+        request = build_request(:get_customer_payment_profile, options)
+        commit(:get_customer_payment_profile, request)
+      end
+
+      # Retrieve a customer shipping address for an existing customer profile.
+      #
+      # Returns a Response whose params hash contains all the shipping address information.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be retrieved. (REQUIRED)
+      # * <tt>:customer_address_id</tt> -- The Shipping Address ID of the shipping address to be retrieved. (REQUIRED)
+      def get_customer_shipping_address(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :customer_address_id)
+
+        request = build_request(:get_customer_shipping_address, options)
+        commit(:get_customer_shipping_address, request)
+      end
+
+      # Updates an existing customer profile.
+      #
+      # Warning: if you do not provide a parameter in the <tt>:payment_profile</tt> hash, it is automatically set to nil at
+      # Authorize.Net. You will most likely want to first get the profile hash using get_customer_profile and then only change the
+      # elements you wish to change.
+      #
+      # ==== Options
+      #
+      # * <tt>:profile</tt> -- A hash containing the values the Customer Profile should be updated to. (REQUIRED)
+      #
+      # ==== Profile
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer profile to update. (REQUIRED)
+      def update_customer_profile(options)
+        requires!(options, :profile)
+        requires!(options[:profile], :customer_profile_id)
+
+        request = build_request(:update_customer_profile, options)
+        commit(:update_customer_profile, request)
+      end
+
+      # Updates a customer payment profile for an existing customer profile.
+      #
+      # Warning: if you do not provide a parameter in the <tt>:payment_profile</tt> hash, it is automatically set to nil at
+      # Authorize.Net. You will most likely want to first get the profile hash using get_customer_payment_profile and then only
+      # change the elements you wish to change.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be updated. (REQUIRED)
+      # * <tt>:payment_profile</tt> -- A hash containing the values the Customer Payment Profile should be updated to. (REQUIRED)
+      #
+      # ==== Payment Profile
+      #
+      # * <tt>:customer_payment_profile_id</tt> -- The Customer Payment Profile ID of the Customer Payment Profile to update. (REQUIRED)
+      def update_customer_payment_profile(options)
+        requires!(options, :customer_profile_id, :payment_profile)
+        requires!(options[:payment_profile], :customer_payment_profile_id)
+
+        request = build_request(:update_customer_payment_profile, options)
+        commit(:update_customer_payment_profile, request)
+      end
+
+      # Updates a customer shipping address for an existing customer profile.
+      #
+      # Warning: if you do not provide a parameter in the <tt>:address</tt> hash, it is automatically set to nil at
+      # Authorize.Net. You will most likely want to first get the profile hash using get_customer_shipping_address and then only
+      # change the elements you wish to change.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be updated. (REQUIRED)
+      # * <tt>:address</tt> -- A hash containing the values the Customer Shipping Address should be updated to. (REQUIRED)
+      #
+      # ==== Address
+      #
+      # * <tt>:customer_address_id</tt> -- The Customer Address ID of the Customer Payment Profile to update. (REQUIRED)
+      def update_customer_shipping_address(options)
+        requires!(options, :customer_profile_id, :address)
+        requires!(options[:address], :customer_address_id)
+
+        request = build_request(:update_customer_shipping_address, options)
+        commit(:update_customer_shipping_address, request)
+      end
+
+      # Creates a new payment transaction from an existing customer profile
+      #
+      # This is what is used to charge a customer whose information you have stored in a Customer Profile.
+      #
+      # Returns a Response object that contains the result of the transaction in <tt>params['direct_response']</tt>
+      #
+      # ==== Options
+      #
+      # * <tt>:transaction</tt> -- A hash containing information on the transaction that is being requested. (REQUIRED)
+      #
+      # ==== Transaction
+      #
+      # * <tt>:type</tt> -- The type of transaction. Can be either <tt>:auth_only</tt>, <tt>:capture_only</tt>, <tt>:auth_capture</tt>, <tt>:prior_auth_capture</tt>, <tt>:refund</tt> or <tt>:void</tt>. (REQUIRED)
+      # * <tt>:amount</tt> -- The amount for the transaction. Formatted with a decimal. For example "4.95" (CONDITIONAL)
+      #     - :type == :void (NOT USED)
+      #     - :type == :refund (OPTIONAL)
+      #     - :type == (:auth_only, :capture_only, :auth_capture, :prior_auth_capture) (REQUIRED)
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to use in this transaction. (CONDITIONAL)
+      #     - :type == (:void, :prior_auth_capture) (OPTIONAL)
+      #     - :type == :refund (CONDITIONAL - required if masked information is not being submitted [see below])
+      #     - :type == (:auth_only, :capture_only, :auth_capture) (REQUIRED)
+      #
+      # * <tt>:customer_payment_profile_id</tt> -- The Customer Payment Profile ID of the Customer Payment Profile to use in this transaction. (CONDITIONAL)
+      #     - :type == (:void, :prior_auth_capture) (OPTIONAL)
+      #     - :type == :refund (CONDITIONAL - required if masked information is not being submitted [see below])
+      #     - :type == (:auth_only, :capture_only, :auth_capture) (REQUIRED)
+      #
+      # * <tt>:trans_id</tt> -- The payment gateway assigned transaction ID of the original transaction (CONDITIONAL):
+      #     - :type = (:void, :refund, :prior_auth_capture) (REQUIRED)
+      #     - :type = (:auth_only, :capture_only, :auth_capture) (NOT USED)
+      #
+      # * <tt>:card_code</tt> -- CVV/CCV code (OPTIONAL)
+      #     - :type = (:void, :refund, :prior_auth_capture) (NOT USED)
+      #     - :type = (:auth_only, :capture_only, :auth_capture) (OPTIONAL)
+      #
+      # * <tt>:recurring_billing</tt> -- The recurring billing status (OPTIONAL)
+      #     - :type = (:void, :refund, :prior_auth_capture) (NOT USED)
+      #     - :type = (:auth_only, :capture_only, :auth_capture) (OPTIONAL)
+      #
+      # * <tt>:customer_shipping_address_id</tt> -- Payment gateway assigned ID associated with the customer shipping address (CONDITIONAL)
+      #     - :type = (:void, :refund) (OPTIONAL)
+      #     - :type = (:auth_only, :capture_only, :auth_capture) (NOT USED)
+      #     - :type = (:prior_auth_capture) (OPTIONAL)
+      #
+      # ==== For :type == :refund only
+      # * <tt>:credit_card_number_masked</tt> -- (CONDITIONAL - required for credit card refunds if :customer_profile_id AND :customer_payment_profile_id are missing)
+      # * <tt>:bank_routing_number_masked && :bank_account_number_masked</tt> -- (CONDITIONAL - required for electronic check refunds if :customer_profile_id AND :customer_payment_profile_id are missing) (NOT ABLE TO TEST - I keep getting "ACH transactions are not accepted by this merchant." when trying to make a payment and, until that's possible I can't refund (wiseleyb@gmail.com))
+      def create_customer_profile_transaction(options)
+        requires!(options, :transaction)
+        requires!(options[:transaction], :type)
+        case options[:transaction][:type]
+          when :void
+            requires!(options[:transaction], :trans_id)
+          when :refund
+            requires!(options[:transaction], :trans_id) &&
+              (
+                (options[:transaction][:customer_profile_id] && options[:transaction][:customer_payment_profile_id]) ||
+                options[:transaction][:credit_card_number_masked] ||
+                (options[:transaction][:bank_routing_number_masked] && options[:transaction][:bank_account_number_masked])
+              )
+          when :prior_auth_capture
+            requires!(options[:transaction], :amount, :trans_id)
+          else
+            requires!(options[:transaction], :amount, :customer_profile_id, :customer_payment_profile_id)
+        end
+        request = build_request(:create_customer_profile_transaction, options)
+        commit(:create_customer_profile_transaction, request)
+      end
+
+      # Creates a new payment transaction for refund from an existing customer profile
+      #
+      # This is what is used to refund a transaction you have stored in a Customer Profile.
+      #
+      # Returns a Response object that contains the result of the transaction in <tt>params['direct_response']</tt>
+      #
+      # ==== Options
+      #
+      # * <tt>:transaction</tt> -- A hash containing information on the transaction that is being requested. (REQUIRED)
+      #
+      # ==== Transaction
+      #
+      # * <tt>:amount</tt> -- The total amount to be refunded (REQUIRED)
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to use in this transaction. (CONDITIONAL :customer_payment_profile_id must be included if used)
+      # * <tt>:customer_payment_profile_id</tt> -- The Customer Payment Profile ID of the Customer Payment Profile to use in this transaction. (CONDITIONAL :customer_profile_id must be included if used)
+      #
+      # * <tt>:credit_card_number_masked</tt> -- Four Xs followed by the last four digits of the credit card (CONDITIONAL - used if customer_profile_id and customer_payment_profile_id aren't given)
+      #
+      # * <tt>:bank_routing_number_masked</tt> -- The last four digits of the routing number to be refunded (CONDITIONAL - must be used with :bank_account_number_masked)
+      # * <tt>:bank_account_number_masked</tt> -- The last four digits of the bank account number to be refunded, Ex. XXXX1234 (CONDITIONAL - must be used with :bank_routing_number_masked)
+      #
+      # * <tt>:tax</tt> - A hash containing tax information for the refund (OPTIONAL - <tt>:amount</tt>, <tt>:name</tt> (31 characters), <tt>:description</tt> (255 characters))
+      # * <tt>:duty</tt> - A hash containing duty information for the refund (OPTIONAL - <tt>:amount</tt>, <tt>:name</tt> (31 characters), <tt>:description</tt> (255 characters))
+      # * <tt>:shipping</tt> - A hash containing shipping information for the refund (OPTIONAL - <tt>:amount</tt>, <tt>:name</tt> (31 characters), <tt>:description</tt> (255 characters))
+      def create_customer_profile_transaction_for_refund(options)
+        requires!(options, :transaction)
+        options[:transaction][:type] = :refund
+        requires!(options[:transaction], :trans_id)
+        requires!(options[:transaction], :amount)
+        request = build_request(:create_customer_profile_transaction, options)
+        commit(:create_customer_profile_transaction, request)
+      end
+
+      # Creates a new payment transaction for void from an existing customer profile
+      #
+      # This is what is used to void a transaction you have stored in a Customer Profile.
+      #
+      # Returns a Response object that contains the result of the transaction in <tt>params['direct_response']</tt>
+      #
+      # ==== Options
+      #
+      # * <tt>:transaction</tt> -- A hash containing information on the transaction that is being requested. (REQUIRED)
+      #
+      # ==== Transaction
+      #
+      # * <tt>:trans_id</tt> -- The payment gateway assigned transaction id of the original transaction. (REQUIRED)
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to use in this transaction.
+      # * <tt>:customer_payment_profile_id</tt> -- The Customer Payment Profile ID of the Customer Payment Profile to use in this transaction.
+      # * <tt>:customer_shipping_address_id</tt> -- Payment gateway assigned ID associated with the customer shipping address.
+      def create_customer_profile_transaction_for_void(options)
+        requires!(options, :transaction)
+        options[:transaction][:type] = :void
+        requires!(options[:transaction], :trans_id)
+        request = build_request(:create_customer_profile_transaction, options)
+        commit(:create_customer_profile_transaction, request)
+      end
+
+      # Verifies an existing customer payment profile by generating a test transaction
+      #
+      # Returns a Response object that contains the result of the transaction in <tt>params['direct_response']</tt>
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to use in this transaction. (REQUIRED)
+      # * <tt>:customer_payment_profile_id</tt> -- The Customer Payment Profile ID of the Customer Payment Profile to be verified. (REQUIRED)
+      # * <tt>:customer_address_id</tt> -- The Customer Address ID of the Customer Shipping Address to be verified. (OPTIONAL)
+      # * <tt>:card_code</tt> -- If the payment profile is a credit card, the CCV/CVV code to validate with (OPTIONAL)
+      # * <tt>:validation_mode</tt> -- <tt>:live</tt> or <tt>:test</tt> In Test Mode, only field validation is performed. (REQUIRED
+      #   In Live Mode, a transaction is generated and submitted to the processor with the amount of $0.01. If successful, the transaction is immediately voided. (REQUIRED)
+      def validate_customer_payment_profile(options)
+        requires!(options, :customer_profile_id, :customer_payment_profile_id, :validation_mode)
+
+        request = build_request(:validate_customer_payment_profile, options)
+        commit(:validate_customer_payment_profile, request)
+      end
+
+      private
+
+      def expdate(credit_card)
+        if credit_card.year.present? && credit_card.month.present?
+          sprintf('%04d-%02d', credit_card.year, credit_card.month)
+        else
+          'XXXX'
+        end
+      end
+
+      def build_request(action, options = {})
+        unless CIM_ACTIONS.include?(action)
+          raise StandardError, "Invalid Customer Information Manager Action: #{action}"
+        end
+
+        xml = Builder::XmlMarkup.new(:indent => 2)
+        xml.instruct!(:xml, :version => '1.0', :encoding => 'utf-8')
+        xml.tag!("#{CIM_ACTIONS[action]}Request", :xmlns => AUTHORIZE_NET_CIM_NAMESPACE) do
+          add_merchant_authentication(xml)
+          # Merchant-assigned reference ID for the request
+          xml.tag!('refId', options[:ref_id]) if options[:ref_id]
+          # Order options
+          add_order(xml, options[:order]) if options[:order]
+          send("build_#{action}_request", xml, options)
+        end
+      end
+
+      # Contains the merchant’s payment gateway account authentication information
+      def add_merchant_authentication(xml)
+        xml.tag!('merchantAuthentication') do
+          xml.tag!('name', @options[:login])
+          xml.tag!('transactionKey', @options[:password])
+        end
+      end
+
+      def build_create_customer_profile_request(xml, options)
+        add_profile(xml, options[:profile])
+
+        xml.tag!('validationMode', CIM_VALIDATION_MODES[options[:validation_mode]]) if options[:validation_mode]
+
+        if options.has_key?(:payment_profile)
+          xml.tag!('paymentProfile') do
+            add_payment_profile(xml, options[:payment_profile])
+          end
+        end
+
+        xml.target!
+      end
+
+      def build_create_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+
+        xml.tag!('paymentProfile') do
+          add_payment_profile(xml, options[:payment_profile])
+        end
+
+        xml.tag!('validationMode', CIM_VALIDATION_MODES[options[:validation_mode]]) if options[:validation_mode]
+
+        xml.target!
+      end
+
+      def build_create_customer_shipping_address_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+
+        xml.tag!('address') do
+          add_address(xml, options[:address])
+        end
+
+        xml.target!
+      end
+
+      def build_delete_customer_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.target!
+      end
+
+      def build_delete_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerPaymentProfileId', options[:customer_payment_profile_id])
+        xml.target!
+      end
+
+      def build_delete_customer_shipping_address_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerAddressId', options[:customer_address_id])
+        xml.target!
+      end
+
+      def build_get_customer_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.target!
+      end
+
+      def build_get_customer_profile_ids_request(xml, options)
+        xml.target!
+      end
+
+      def build_get_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerPaymentProfileId', options[:customer_payment_profile_id])
+        xml.target!
+      end
+
+      def build_get_customer_shipping_address_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerAddressId', options[:customer_address_id])
+        xml.target!
+      end
+
+      def build_update_customer_profile_request(xml, options)
+        add_profile(xml, options[:profile], true)
+
+        xml.target!
+      end
+
+      def build_update_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+
+        xml.tag!('paymentProfile') do
+          add_payment_profile(xml, options[:payment_profile])
+        end
+
+        xml.tag!('validationMode', CIM_VALIDATION_MODES[options[:validation_mode]]) if options[:validation_mode]
+
+        xml.target!
+      end
+
+      def build_update_customer_shipping_address_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+
+        xml.tag!('address') do
+          add_address(xml, options[:address])
+        end
+
+        xml.target!
+      end
+
+      def build_create_customer_profile_transaction_request(xml, options)
+        options[:extra_options] ||= {}
+        options[:extra_options].merge!('x_delim_char' => @options[:delimiter]) if @options[:delimiter]
+
+        add_transaction(xml, options[:transaction])
+        xml.tag!('extraOptions') do
+          xml.cdata!(format_extra_options(options[:extra_options]))
+        end unless options[:extra_options].blank?
+
+        xml.target!
+      end
+
+      def build_validate_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerPaymentProfileId', options[:customer_payment_profile_id])
+        xml.tag!('customerShippingAddressId', options[:customer_address_id]) if options[:customer_address_id]
+        tag_unless_blank(xml, 'cardCode', options[:card_code])
+        xml.tag!('validationMode', CIM_VALIDATION_MODES[options[:validation_mode]]) if options[:validation_mode]
+
+        xml.target!
+      end
+
+      # :merchant_customer_id (Optional)
+      # :description (Optional)
+      # :email (Optional)
+      # :payment_profiles (Optional)
+      def add_profile(xml, profile, update = false)
+        xml.tag!('profile') do
+          # Merchant assigned ID for the customer. Up to 20 characters. (optional)
+          xml.tag!('merchantCustomerId', profile[:merchant_customer_id]) if profile[:merchant_customer_id]
+          # Description of the customer. Up to 255 Characters (optional)
+          xml.tag!('description', profile[:description]) if profile[:description]
+          # Email Address for the customer. Up to 255 Characters (optional)
+          xml.tag!('email', profile[:email]) if profile[:email]
+
+          if update
+            xml.tag!('customerProfileId', profile[:customer_profile_id])
+          else
+            add_payment_profiles(xml, profile[:payment_profiles]) if profile[:payment_profiles]
+            add_ship_to_list(xml, profile[:ship_to_list]) if profile[:ship_to_list]
+          end
+        end
+      end
+
+      def add_transaction(xml, transaction)
+        unless CIM_TRANSACTION_TYPES.include?(transaction[:type])
+          raise StandardError, "Invalid Customer Information Manager Transaction Type: #{transaction[:type]}"
+        end
+
+        xml.tag!('transaction') do
+          xml.tag!(CIM_TRANSACTION_TYPES[transaction[:type]]) do
+            # The amount to be billed to the customer
+            case transaction[:type]
+              when :void
+                tag_unless_blank(xml,'customerProfileId', transaction[:customer_profile_id])
+                tag_unless_blank(xml,'customerPaymentProfileId', transaction[:customer_payment_profile_id])
+                tag_unless_blank(xml,'customerShippingAddressId', transaction[:customer_shipping_address_id])
+                xml.tag!('transId', transaction[:trans_id])
+              when :refund
+                #TODO - add lineItems field
+                xml.tag!('amount', transaction[:amount])
+                tag_unless_blank(xml, 'customerProfileId', transaction[:customer_profile_id])
+                tag_unless_blank(xml, 'customerPaymentProfileId', transaction[:customer_payment_profile_id])
+                tag_unless_blank(xml, 'customerShippingAddressId', transaction[:customer_shipping_address_id])
+                tag_unless_blank(xml, 'creditCardNumberMasked', transaction[:credit_card_number_masked])
+                tag_unless_blank(xml, 'bankRoutingNumberMasked', transaction[:bank_routing_number_masked])
+                tag_unless_blank(xml, 'bankAccountNumberMasked', transaction[:bank_account_number_masked])
+                add_order(xml, transaction[:order]) if transaction[:order].present?
+                xml.tag!('transId', transaction[:trans_id])
+                add_tax(xml, transaction[:tax]) if transaction[:tax]
+                add_duty(xml, transaction[:duty]) if transaction[:duty]
+                add_shipping(xml, transaction[:shipping]) if transaction[:shipping]
+              when :prior_auth_capture
+                xml.tag!('amount', transaction[:amount])
+                add_order(xml, transaction[:order]) if transaction[:order].present?
+                xml.tag!('transId', transaction[:trans_id])
+              else
+                xml.tag!('amount', transaction[:amount])
+                xml.tag!('customerProfileId', transaction[:customer_profile_id])
+                xml.tag!('customerPaymentProfileId', transaction[:customer_payment_profile_id])
+                xml.tag!('approvalCode', transaction[:approval_code]) if transaction[:type] == :capture_only
+                add_order(xml, transaction[:order]) if transaction[:order].present?
+
+            end
+            if [:auth_capture, :auth_only, :capture_only].include?(transaction[:type])
+              xml.tag!('recurringBilling', transaction[:recurring_billing]) if transaction.has_key?(:recurring_billing)
+            end
+            unless [:void,:refund,:prior_auth_capture].include?(transaction[:type])
+              tag_unless_blank(xml, 'cardCode', transaction[:card_code])
+            end
+          end
+        end
+      end
+
+      def add_tax(xml, tax)
+        xml.tag!('tax') do
+          xml.tag!('amount', tax[:amount]) if tax[:amount]
+          xml.tag!('name', tax[:name]) if tax[:name]
+          xml.tag!('description', tax[:description]) if tax[:description]
+        end
+      end
+
+      def add_duty(xml, duty)
+        xml.tag!('duty') do
+          xml.tag!('amount', duty[:amount]) if duty[:amount]
+          xml.tag!('name', duty[:name]) if duty[:name]
+          xml.tag!('description', duty[:description]) if duty[:description]
+        end
+      end
+
+      def add_shipping(xml, shipping)
+        xml.tag!('shipping') do
+          xml.tag!('amount', shipping[:amount]) if shipping[:amount]
+          xml.tag!('name', shipping[:name]) if shipping[:name]
+          xml.tag!('description', shipping[:description]) if shipping[:description]
+        end
+      end
+
+      def add_order(xml, order)
+        xml.tag!('order') do
+          xml.tag!('invoiceNumber', order[:invoice_number]) if order[:invoice_number]
+          xml.tag!('description', order[:description]) if order[:description]
+          xml.tag!('purchaseOrderNumber', order[:purchase_order_number]) if order[:purchase_order_number]
+        end
+      end
+
+      def add_payment_profiles(xml, payment_profiles)
+        xml.tag!('paymentProfiles') do
+          add_payment_profile(xml, payment_profiles)
+        end
+      end
+
+      # :customer_type => 'individual or business', # Optional
+      # :bill_to => @address,
+      # :payment => @payment
+      def add_payment_profile(xml, payment_profile)
+        # 'individual' or 'business' (optional)
+        xml.tag!('customerType', payment_profile[:customer_type]) if payment_profile[:customer_type]
+
+        if payment_profile[:bill_to]
+          xml.tag!('billTo') do
+            add_address(xml, payment_profile[:bill_to])
+          end
+        end
+
+        if payment_profile[:payment]
+          xml.tag!('payment') do
+            add_credit_card(xml, payment_profile[:payment][:credit_card]) if payment_profile[:payment].has_key?(:credit_card)
+            add_bank_account(xml, payment_profile[:payment][:bank_account]) if payment_profile[:payment].has_key?(:bank_account)
+            add_drivers_license(xml, payment_profile[:payment][:drivers_license]) if payment_profile[:payment].has_key?(:drivers_license)
+            # This element is only required for Wells Fargo SecureSource eCheck.Net merchants
+            # The customer's Social Security Number or Tax ID
+            xml.tag!('taxId', payment_profile[:payment]) if payment_profile[:payment].has_key?(:tax_id)
+          end
+        end
+
+        xml.tag!('customerPaymentProfileId', payment_profile[:customer_payment_profile_id]) if payment_profile[:customer_payment_profile_id]
+      end
+
+      def add_ship_to_list(xml, ship_to_list)
+        xml.tag!('shipToList') do
+          add_address(xml, ship_to_list)
+        end
+      end
+
+      def add_address(xml, address)
+        xml.tag!('firstName', address[:first_name])
+        xml.tag!('lastName', address[:last_name])
+        xml.tag!('company', address[:company])
+        xml.tag!('address', address[:address1]) if address[:address1]
+        xml.tag!('address', address[:address]) if address[:address]
+        xml.tag!('city', address[:city])
+        xml.tag!('state', address[:state])
+        xml.tag!('zip', address[:zip])
+        xml.tag!('country', address[:country])
+        xml.tag!('phoneNumber', address[:phone_number]) if address[:phone_number]
+        xml.tag!('faxNumber', address[:fax_number]) if address[:fax_number]
+
+        xml.tag!('customerAddressId', address[:customer_address_id]) if address[:customer_address_id]
+      end
+
+      # Adds customer’s credit card information
+      # Note: This element should only be included
+      # when the payment method is credit card.
+      def add_credit_card(xml, credit_card)
+        return unless credit_card
+        xml.tag!('creditCard') do
+          # The credit card number used for payment of the subscription
+          xml.tag!('cardNumber', full_or_masked_card_number(credit_card.number))
+          # The expiration date of the credit card used for the subscription
+          xml.tag!('expirationDate', expdate(credit_card))
+          # Note that Authorize.net does not save CVV codes as part of the
+          # payment profile. Any transactions/validations after the payment
+          # profile is created that wish to use CVV verification must pass
+          # the CVV code to authorize.net again.
+          xml.tag!('cardCode', credit_card.verification_value) if credit_card.verification_value?
+        end
+      end
+
+      # Adds customer’s bank account information
+      # Note: This element should only be included
+      # when the payment method is bank account.
+      def add_bank_account(xml, bank_account)
+        raise StandardError, "Invalid Bank Account Type: #{bank_account[:account_type]}" unless BANK_ACCOUNT_TYPES.include?(bank_account[:account_type])
+        raise StandardError, "Invalid eCheck Type: #{bank_account[:echeck_type]}" unless ECHECK_TYPES.include?(bank_account[:echeck_type])
+
+        xml.tag!('bankAccount') do
+          # The type of bank account
+          xml.tag!('accountType', BANK_ACCOUNT_TYPES[bank_account[:account_type]])
+          # The routing number of the customer’s bank
+          xml.tag!('routingNumber', bank_account[:routing_number])
+          # The bank account number
+          xml.tag!('accountNumber', bank_account[:account_number])
+          # The full name of the individual associated
+          # with the bank account number
+          xml.tag!('nameOnAccount', bank_account[:name_on_account])
+          # The type of electronic check transaction
+          xml.tag!('echeckType', ECHECK_TYPES[bank_account[:echeck_type]])
+          # The full name of the individual associated
+          # with the bank account number (optional)
+          xml.tag!('bankName', bank_account[:bank_name]) if bank_account[:bank_name]
+        end
+      end
+
+      # Adds customer’s driver's license information
+      # Note: This element is only required for
+      # Wells Fargo SecureSource eCheck.Net merchants
+      def add_drivers_license(xml, drivers_license)
+        xml.tag!('driversLicense') do
+          # The state of the customer's driver's license
+          # A valid two character state code
+          xml.tag!('state', drivers_license[:state])
+          # The customer’s driver's license number
+          xml.tag!('number', drivers_license[:number])
+          # The date of birth listed on the customer's driver's license
+          # YYYY-MM-DD
+          xml.tag!('dateOfBirth', drivers_license[:date_of_birth])
+        end
+      end
+
+      def commit(action, request)
+        url = test? ? test_url : live_url
+        xml = ssl_post(url, request, "Content-Type" => "text/xml")
+
+        response_params = parse(action, xml)
+
+        message = response_params['messages']['message']['text']
+        test_mode = @options[:test_requests] || message =~ /Test Mode/
+        success = response_params['messages']['result_code'] == 'Ok'
+        response_params['direct_response'] = parse_direct_response(response_params['direct_response']) if response_params['direct_response']
+        transaction_id = response_params['direct_response']['transaction_id'] if response_params['direct_response']
+
+        Response.new(success, message, response_params,
+          :test => test_mode,
+          :authorization => transaction_id || response_params['customer_profile_id'] || (response_params['profile'] ? response_params['profile']['customer_profile_id'] : nil)
+        )
+      end
+
+      def tag_unless_blank(xml, tag_name, data)
+        xml.tag!(tag_name, data) unless data.blank? || data.nil?
+      end
+
+      def format_extra_options(options)
+        options.map{ |k, v| "#{k}=#{v}" }.join('&') unless options.nil?
+      end
+
+      def parse_direct_response(params)
+        delimiter = @options[:delimiter] || ','
+        direct_response = {'raw' => params}
+        direct_response_fields = params.split(delimiter)
+        direct_response.merge(
+          {
+            'response_code' => direct_response_fields[0],
+            'response_subcode' => direct_response_fields[1],
+            'response_reason_code' => direct_response_fields[2],
+            'message' => direct_response_fields[3],
+            'approval_code' => direct_response_fields[4],
+            'avs_response' => direct_response_fields[5],
+            'transaction_id' => direct_response_fields[6],
+            'invoice_number' => direct_response_fields[7],
+            'order_description' => direct_response_fields[8],
+            'amount' => direct_response_fields[9],
+            'method' => direct_response_fields[10],
+            'transaction_type' => direct_response_fields[11],
+            'customer_id' => direct_response_fields[12],
+            'first_name' => direct_response_fields[13],
+            'last_name' => direct_response_fields[14],
+            'company' => direct_response_fields[15],
+            'address' => direct_response_fields[16],
+            'city' => direct_response_fields[17],
+            'state' => direct_response_fields[18],
+            'zip_code' => direct_response_fields[19],
+            'country' => direct_response_fields[20],
+            'phone' => direct_response_fields[21],
+            'fax' => direct_response_fields[22],
+            'email_address' => direct_response_fields[23],
+            'ship_to_first_name' => direct_response_fields[24],
+            'ship_to_last_name' => direct_response_fields[25],
+            'ship_to_company' => direct_response_fields[26],
+            'ship_to_address' => direct_response_fields[27],
+            'ship_to_city' => direct_response_fields[28],
+            'ship_to_state' => direct_response_fields[29],
+            'ship_to_zip_code' => direct_response_fields[30],
+            'ship_to_country' => direct_response_fields[31],
+            'tax' => direct_response_fields[32],
+            'duty' => direct_response_fields[33],
+            'freight' => direct_response_fields[34],
+            'tax_exempt' => direct_response_fields[35],
+            'purchase_order_number' => direct_response_fields[36],
+            'md5_hash' => direct_response_fields[37],
+            'card_code' => direct_response_fields[38],
+            'cardholder_authentication_verification_response' => direct_response_fields[39],
+            # The following direct response fields are only available in version 3.1 of the
+            # transaction response.  Check your merchant account settings for details.
+            'account_number' => direct_response_fields[50] || '',
+            'card_type' => direct_response_fields[51] || '',
+            'split_tender_id' => direct_response_fields[52] || '',
+            'requested_amount' => direct_response_fields[53] || '',
+            'balance_on_card' => direct_response_fields[54] || '',
+          }
+        )
+      end
+
+      def parse(action, xml)
+        xml = REXML::Document.new(xml)
+        root = REXML::XPath.first(xml, "//#{CIM_ACTIONS[action]}Response") ||
+               REXML::XPath.first(xml, "//ErrorResponse")
+        if root
+          response = parse_element(root)
+        end
+
+        response
+      end
+
+      def parse_element(node)
+        if node.has_elements?
+          response = {}
+          node.elements.each{ |e|
+            key = e.name.underscore
+            value = parse_element(e)
+            if response.has_key?(key)
+              if response[key].is_a?(Array)
+                response[key].push(value)
+              else
+                response[key] = [response[key], value]
+              end
+            else
+              response[key] = parse_element(e)
+            end
+          }
+        else
+          response = node.text
+        end
+
+        response
+      end
+
+      def full_or_masked_card_number(card_number)
+        !card_number.nil? && card_number.length == 4 ? "XXXX#{card_number}" : card_number
+      end
+    end
+  end
+end