archetype2142_activemerchant 1.124.0

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

@@ -0,0 +1,1209 @@
+require 'active_merchant/billing/gateways/orbital/orbital_soft_descriptors'
+require 'rexml/document'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # For more information on Orbital, visit the {integration center}[http://download.chasepaymentech.com]
+    #
+    # ==== Authentication Options
+    #
+    # The Orbital Gateway supports two methods of authenticating incoming requests:
+    # Source IP authentication and Connection Username/Password authentication
+    #
+    # In addition, these IP addresses/Connection Usernames must be affiliated with the Merchant IDs
+    # for which the client should be submitting transactions.
+    #
+    # This does allow Third Party Hosting service organizations presenting on behalf of other
+    # merchants to submit transactions.  However, each time a new customer is added, the
+    # merchant or Third-Party hosting organization needs to ensure that the new Merchant IDs
+    # or Chain IDs are affiliated with the hosting companies IPs or Connection Usernames.
+    #
+    # If the merchant expects to have more than one merchant account with the Orbital
+    # Gateway, it should have its IP addresses/Connection Usernames affiliated at the Chain
+    # level hierarchy within the Orbital Gateway.  Each time a new merchant ID is added, as
+    # long as it is placed within the same Chain, it will simply work.  Otherwise, the additional
+    # MIDs will need to be affiliated with the merchant IPs or Connection Usernames respectively.
+    # For example, we generally affiliate all Salem accounts [BIN 000001] with
+    # their Company Number [formerly called MA #] number so all MIDs or Divisions under that
+    # Company will automatically be affiliated.
+
+    class OrbitalGateway < Gateway
+      include Empty
+
+      API_VERSION = '8.1'
+
+      POST_HEADERS = {
+        'MIME-Version' => '1.1',
+        'Content-Type' => "application/PTI#{API_VERSION.delete('.')}",
+        'Content-transfer-encoding' => 'text',
+        'Request-number' => '1',
+        'Document-type' => 'Request',
+        'Interface-Version' => 'Ruby|ActiveMerchant|Proprietary Gateway'
+      }
+
+      SUCCESS = '0'
+      APPROVAL_SUCCESS = '1'
+
+      APPROVED = [
+        '00', # Approved
+        '08', # Approved authorization, honor with ID
+        '11', # Approved authorization, VIP approval
+        '24', # Validated
+        '26', # Pre-noted
+        '27', # No reason to decline
+        '28', # Received and stored
+        '29', # Provided authorization
+        '31', # Request received
+        '32', # BIN alert
+        '34', # Approved for partial
+        '91', # Approved low fraud
+        '92', # Approved medium fraud
+        '93', # Approved high fraud
+        '94', # Approved fraud service unavailable
+        'E7', # Stored
+        'PA', # Partial approval
+        'P1'  # ECP - AVS - Account Status Verification and/or AOA data is in a positive status.
+      ]
+
+      class_attribute :secondary_test_url, :secondary_live_url
+
+      self.test_url = 'https://orbitalvar1.chasepaymentech.com/authorize'
+      self.secondary_test_url = 'https://orbitalvar2.chasepaymentech.com/authorize'
+
+      self.live_url = 'https://orbital1.chasepaymentech.com/authorize'
+      self.secondary_live_url = 'https://orbital2.chasepaymentech.com/authorize'
+
+      self.supported_countries = %w[US CA]
+      self.default_currency = 'CAD'
+      self.supported_cardtypes = %i[visa master american_express discover diners_club jcb]
+
+      self.display_name = 'Orbital Paymentech'
+      self.homepage_url = 'http://chasepaymentech.com/'
+
+      self.money_format = :cents
+
+      AVS_SUPPORTED_COUNTRIES = %w[US CA UK GB]
+
+      CURRENCY_CODES = {
+        'AUD' => '036',
+        'BRL' => '986',
+        'CAD' => '124',
+        'CLP' => '152',
+        'CZK' => '203',
+        'DKK' => '208',
+        'HKD' => '344',
+        'ICK' => '352',
+        'JPY' => '392',
+        'MXN' => '484',
+        'NZD' => '554',
+        'NOK' => '578',
+        'SGD' => '702',
+        'SEK' => '752',
+        'CHF' => '756',
+        'GBP' => '826',
+        'USD' => '840',
+        'EUR' => '978'
+      }
+
+      CURRENCY_EXPONENTS = {
+        'AUD' => '2',
+        'BRL' => '2',
+        'CAD' => '2',
+        'CLP' => '2',
+        'CZK' => '2',
+        'DKK' => '2',
+        'HKD' => '2',
+        'ICK' => '2',
+        'JPY' => '0',
+        'MXN' => '2',
+        'NZD' => '2',
+        'NOK' => '2',
+        'SGD' => '2',
+        'SEK' => '2',
+        'CHF' => '2',
+        'GBP' => '2',
+        'USD' => '2',
+        'EUR' => '2'
+      }
+
+      # INDUSTRY TYPES
+      ECOMMERCE_TRANSACTION = 'EC'
+      RECURRING_PAYMENT_TRANSACTION = 'RC'
+      MAIL_ORDER_TELEPHONE_ORDER_TRANSACTION = 'MO'
+      INTERACTIVE_VOICE_RESPONSE = 'IV'
+      # INTERACTIVE_VOICE_RESPONSE = 'IN'
+
+      # Auth Only No Capture
+      AUTH_ONLY = 'A'
+      # AC - Auth and Capture = 'AC'
+      AUTH_AND_CAPTURE = 'AC'
+      # F  - Force Auth No Capture and no online authorization = 'F'
+      FORCE_AUTH_ONLY = 'F'
+      # FR - Force Auth No Capture and no online authorization = 'FR'
+      # FC - Force Auth and Capture no online authorization = 'FC'
+      FORCE_AUTH_AND_CAPTURE = 'FC'
+      # Refund and Capture no online authorization
+      REFUND = 'R'
+
+      # Tax Inds
+      TAX_NOT_PROVIDED = 0
+      TAX_INCLUDED     = 1
+      NON_TAXABLE_TRANSACTION = 2
+
+      # Customer Profile Actions
+      CREATE   = 'C'
+      RETRIEVE = 'R'
+      UPDATE   = 'U'
+      DELETE   = 'D'
+
+      RECURRING = 'R'
+      DEFERRED  = 'D'
+
+      # Status
+      # Profile Status Flag
+      # This field is used to set the status of a Customer Profile.
+      ACTIVE   = 'A'
+      INACTIVE = 'I'
+      MANUAL_SUSPEND = 'MS'
+
+      # CustomerProfileOrderOverrideInd
+      # Defines if any Order Data can be pre-populated from
+      # the Customer Reference Number (CustomerRefNum)
+      NO_MAPPING_TO_ORDER_DATA = 'NO'
+      USE_CRN_FOR_ORDER_ID     = 'OI'
+      USE_CRN_FOR_COMMENTS     = 'OD'
+      USE_CRN_FOR_ORDER_ID_AND_COMMENTS = 'OA'
+
+      #  CustomerProfileFromOrderInd
+      # Method to use to Generate the Customer Profile Number
+      # When Customer Profile Action Type = Create, defines
+      # what the Customer Profile Number will be:
+      AUTO_GENERATE        = 'A' # Auto-Generate the CustomerRefNum
+      USE_CUSTOMER_REF_NUM = 'S' # Use CustomerRefNum field
+      USE_ORDER_ID         = 'O' #  Use OrderID field
+      USE_COMMENTS         = 'D' #  Use Comments field
+
+      SENSITIVE_FIELDS = %i[account_num cc_account_num]
+
+      # Bank account types to be used for check processing
+      ACCOUNT_TYPE = {
+        'savings' => 'S',
+        'checking' => 'C'
+      }
+
+      def initialize(options = {})
+        requires!(options, :merchant_id)
+        requires!(options, :login, :password) unless options[:ip_authentication]
+        super
+        @options[:merchant_id] = @options[:merchant_id].to_s
+      end
+
+      # A – Authorization request
+      def authorize(money, payment_source, options = {})
+        # ECP for Orbital requires $0 prenotes so ensure
+        # if we are doing a force capture with a check, that
+        # we do a purchase here
+        if options[:force_capture] && payment_source.is_a?(Check) &&
+           (options[:action_code].include?('W8') || options[:action_code].include?('W9') || options[:action_code].include?('ND'))
+          return purchase(money, payment_source, options)
+        end
+
+        order = build_new_order_xml(AUTH_ONLY, money, payment_source, options) do |xml|
+          add_payment_source(xml, payment_source, options)
+          add_address(xml, payment_source, options)
+          if @options[:customer_profiles]
+            add_customer_data(xml, payment_source, options)
+            add_managed_billing(xml, options)
+          end
+        end
+        commit(order, :authorize, options[:retry_logic], options[:trace_number])
+      end
+
+      def verify(creditcard, options = {})
+        MultiResponse.run(:use_first_response) do |r|
+          r.process { authorize(100, creditcard, options) }
+          r.process(:ignore_result) { void(r.authorization) }
+        end
+      end
+
+      # AC – Authorization and Capture
+      def purchase(money, payment_source, options = {})
+        order = build_new_order_xml(options[:force_capture] ? FORCE_AUTH_AND_CAPTURE : AUTH_AND_CAPTURE, money, payment_source, options) do |xml|
+          add_payment_source(xml, payment_source, options)
+          add_address(xml, payment_source, options)
+          if @options[:customer_profiles]
+            add_customer_data(xml, payment_source, options)
+            add_managed_billing(xml, options)
+          end
+        end
+
+        commit(order, :purchase, options[:retry_logic], options[:trace_number])
+      end
+
+      # MFC - Mark For Capture
+      def capture(money, authorization, options = {})
+        commit(build_mark_for_capture_xml(money, authorization, options), :capture, options[:retry_logic], options[:trace_number])
+      end
+
+      # R – Refund request
+      def refund(money, authorization, options = {})
+        payment_method = options[:payment_method]
+        order = build_new_order_xml(REFUND, money, payment_method, options.merge(authorization: authorization)) do |xml|
+          if payment_method.is_a?(Check)
+            add_echeck(xml, payment_method, options)
+          else
+            add_refund(xml, options[:currency])
+          end
+          xml.tag! :CustomerRefNum, options[:customer_ref_num] if @options[:customer_profiles] && options[:profile_txn]
+        end
+        commit(order, :refund, options[:retry_logic], options[:trace_number])
+      end
+
+      def credit(money, payment_method, options = {})
+        order = build_new_order_xml(REFUND, money, payment_method, options) do |xml|
+          add_payment_source(xml, payment_method, options)
+        end
+        commit(order, :refund, options[:retry_logic], options[:trace_number])
+      end
+
+      def void(authorization, options = {}, deprecated = {})
+        if !options.kind_of?(Hash)
+          ActiveMerchant.deprecated('Calling the void method with an amount parameter is deprecated and will be removed in a future version.')
+          return void(options, deprecated.merge(amount: authorization))
+        end
+
+        order = build_void_request_xml(authorization, options)
+        commit(order, :void, options[:retry_logic], options[:trace_number])
+      end
+
+      # ==== Customer Profiles
+      # :customer_ref_num should be set unless you're happy with Orbital providing one
+      #
+      # :customer_profile_order_override_ind can be set to map
+      # the CustomerRefNum to OrderID or Comments. Defaults to 'NO' - no mapping
+      #
+      #   'NO' - No mapping to order data
+      #   'OI' - Use <CustomerRefNum> for <OrderID>
+      #   'OD' - Use <CustomerRefNum> for <Comments>
+      #   'OA' - Use <CustomerRefNum> for <OrderID> and <Comments>
+      #
+      # :order_default_description can be set optionally. 64 char max.
+      #
+      # :order_default_amount can be set optionally. integer as cents.
+      #
+      # :status defaults to Active
+      #
+      #   'A' - Active
+      #   'I' - Inactive
+      #   'MS'  - Manual Suspend
+
+      def add_customer_profile(creditcard, options = {})
+        options[:customer_profile_action] = CREATE
+        order = build_customer_request_xml(creditcard, options)
+        commit(order, :add_customer_profile)
+      end
+
+      def update_customer_profile(creditcard, options = {})
+        options[:customer_profile_action] = UPDATE
+        order = build_customer_request_xml(creditcard, options)
+        commit(order, :update_customer_profile)
+      end
+
+      def retrieve_customer_profile(customer_ref_num)
+        options = { customer_profile_action: RETRIEVE, customer_ref_num: customer_ref_num }
+        order = build_customer_request_xml(nil, options)
+        commit(order, :retrieve_customer_profile)
+      end
+
+      def delete_customer_profile(customer_ref_num)
+        options = { customer_profile_action: DELETE, customer_ref_num: customer_ref_num }
+        order = build_customer_request_xml(nil, options)
+        commit(order, :delete_customer_profile)
+      end
+
+      def supports_scrubbing?
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((<OrbitalConnectionUsername>).+(</OrbitalConnectionUsername>)), '\1[FILTERED]\2').
+          gsub(%r((<OrbitalConnectionPassword>).+(</OrbitalConnectionPassword>)), '\1[FILTERED]\2').
+          gsub(%r((<AccountNum>).+(</AccountNum>)), '\1[FILTERED]\2').
+          # the response sometimes contains a new line that cuts off the end of the closing tag
+          gsub(%r((<CCAccountNum>).+(</CC)), '\1[FILTERED]\2').
+          gsub(%r((<CardSecVal>).+(</CardSecVal>)), '\1[FILTERED]\2').
+          gsub(%r((<MerchantID>).+(</MerchantID>)), '\1[FILTERED]\2').
+          gsub(%r((<CustomerMerchantID>).+(</CustomerMerchantID>)), '\1[FILTERED]\2').
+          gsub(%r((<CustomerProfileMessage>).+(</CustomerProfileMessage>)), '\1[FILTERED]\2').
+          gsub(%r((<CheckDDA>).+(</CheckDDA>)), '\1[FILTERED]\2').
+          gsub(%r((<BCRtNum>).+(</BCRtNum>)), '\1[FILTERED]\2').
+          gsub(%r((<DigitalTokenCryptogram>).+(</DigitalTokenCryptogram>)), '\1[FILTERED]\2')
+      end
+
+      private
+
+      def authorization_string(*args)
+        args.compact.join(';')
+      end
+
+      def split_authorization(authorization)
+        authorization.split(';')
+      end
+
+      def add_customer_data(xml, creditcard, options)
+        if options[:profile_txn]
+          xml.tag! :CustomerRefNum, options[:customer_ref_num]
+        else
+          if options[:customer_ref_num]
+            xml.tag! :CustomerProfileFromOrderInd, USE_CUSTOMER_REF_NUM if creditcard
+            xml.tag! :CustomerRefNum, options[:customer_ref_num]
+          else
+            xml.tag! :CustomerProfileFromOrderInd, AUTO_GENERATE
+          end
+          xml.tag! :CustomerProfileOrderOverrideInd, options[:customer_profile_order_override_ind] || NO_MAPPING_TO_ORDER_DATA
+        end
+      end
+
+      def add_soft_descriptors(xml, soft_desc)
+        xml.tag! :SDMerchantName, soft_desc.merchant_name             if soft_desc.merchant_name
+        xml.tag! :SDProductDescription, soft_desc.product_description if soft_desc.product_description
+        xml.tag! :SDMerchantCity, soft_desc.merchant_city             if soft_desc.merchant_city
+        xml.tag! :SDMerchantPhone, soft_desc.merchant_phone           if soft_desc.merchant_phone
+        xml.tag! :SDMerchantURL, soft_desc.merchant_url               if soft_desc.merchant_url
+        xml.tag! :SDMerchantEmail, soft_desc.merchant_email           if soft_desc.merchant_email
+      end
+
+      def add_soft_descriptors_from_hash(xml, soft_desc)
+        xml.tag! :SDMerchantName, soft_desc[:merchant_name] || nil
+        xml.tag! :SDProductDescription, soft_desc[:product_description] || nil
+        xml.tag! :SDMerchantCity, soft_desc[:merchant_city] || nil
+        xml.tag! :SDMerchantPhone, soft_desc[:merchant_phone] || nil
+        xml.tag! :SDMerchantURL, soft_desc[:merchant_url] || nil
+        xml.tag! :SDMerchantEmail, soft_desc[:merchant_email] || nil
+      end
+
+      def add_level2_tax(xml, options = {})
+        if (level2 = options[:level_2_data])
+          xml.tag! :TaxInd, level2[:tax_indicator] if [TAX_NOT_PROVIDED, TAX_INCLUDED, NON_TAXABLE_TRANSACTION].include?(level2[:tax_indicator].to_i)
+          xml.tag! :Tax, level2[:tax].to_i if level2[:tax]
+        end
+      end
+
+      def add_level3_tax(xml, options = {})
+        if (level3 = options[:level_3_data])
+          xml.tag! :PC3VATtaxAmt, byte_limit(level3[:vat_tax], 12) if level3[:vat_tax]
+          xml.tag! :PC3VATtaxRate, byte_limit(level3[:vat_rate], 4) if level3[:vat_rate]
+          xml.tag! :PC3AltTaxInd, byte_limit(level3[:alt_ind], 15) if level3[:alt_ind]
+          xml.tag! :PC3AltTaxAmt, byte_limit(level3[:alt_tax], 9) if level3[:alt_tax]
+        end
+      end
+
+      def add_level2_advice_addendum(xml, options = {})
+        if (level2 = options[:level_2_data])
+          xml.tag! :AMEXTranAdvAddn1, byte_limit(level2[:advice_addendum_1], 40) if level2[:advice_addendum_1]
+          xml.tag! :AMEXTranAdvAddn2, byte_limit(level2[:advice_addendum_2], 40) if level2[:advice_addendum_2]
+          xml.tag! :AMEXTranAdvAddn3, byte_limit(level2[:advice_addendum_3], 40) if level2[:advice_addendum_3]
+          xml.tag! :AMEXTranAdvAddn4, byte_limit(level2[:advice_addendum_4], 40) if level2[:advice_addendum_4]
+        end
+      end
+
+      def add_level2_purchase(xml, options = {})
+        if (level2 = options[:level_2_data])
+          xml.tag! :PCOrderNum,       byte_limit(level2[:purchase_order], 17) if level2[:purchase_order]
+          xml.tag! :PCDestZip,        byte_limit(format_address_field(level2[:zip]), 10) if level2[:zip]
+          xml.tag! :PCDestName,       byte_limit(format_address_field(level2[:name]), 30) if level2[:name]
+          xml.tag! :PCDestAddress1,   byte_limit(format_address_field(level2[:address1]), 30) if level2[:address1]
+          xml.tag! :PCDestAddress2,   byte_limit(format_address_field(level2[:address2]), 30) if level2[:address2]
+          xml.tag! :PCDestCity,       byte_limit(format_address_field(level2[:city]), 20) if level2[:city]
+          xml.tag! :PCDestState,      byte_limit(format_address_field(level2[:state]), 2) if level2[:state]
+        end
+      end
+
+      def add_level3_purchase(xml, options = {})
+        if (level3 = options[:level_3_data])
+          xml.tag! :PC3FreightAmt,    byte_limit(level3[:freight_amount], 12) if level3[:freight_amount]
+          xml.tag! :PC3DutyAmt,       byte_limit(level3[:duty_amount], 12) if level3[:duty_amount]
+          xml.tag! :PC3DestCountryCd, byte_limit(level3[:dest_country], 3) if level3[:dest_country]
+          xml.tag! :PC3ShipFromZip,   byte_limit(level3[:ship_from_zip], 10) if level3[:ship_from_zip]
+          xml.tag! :PC3DiscAmt,       byte_limit(level3[:discount_amount], 12) if level3[:discount_amount]
+        end
+      end
+
+      def add_line_items(xml, options = {})
+        xml.tag! :PC3LineItemCount, byte_limit(options[:line_items].count, 2)
+        xml.tag! :PC3LineItemArray do
+          options[:line_items].each_with_index do |line_item, index|
+            xml.tag! :PC3LineItem do
+              xml.tag! :PC3DtlIndex,  byte_limit(index + 1, 2)
+              line_item.each do |key, value|
+                if [:line_tot, 'line_tot'].include? key
+                  formatted_key = :PC3Dtllinetot
+                else
+                  formatted_key = "PC3Dtl#{key.to_s.camelize}".to_sym
+                end
+                xml.tag! formatted_key, value
+              end
+            end
+          end
+        end
+      end
+
+      def add_card_indicators(xml, options)
+        xml.tag! :CardIndicators, options[:card_indicators] if options[:card_indicators]
+      end
+
+      def add_address(xml, payment_source, options)
+        address = get_address(options)
+
+        unless address.blank?
+          avs_supported = AVS_SUPPORTED_COUNTRIES.include?(address[:country].to_s) || empty?(address[:country])
+
+          if avs_supported
+            xml.tag! :AVSzip, byte_limit(format_address_field(address[:zip]), 10)
+            xml.tag! :AVSaddress1, byte_limit(format_address_field(address[:address1]), 30)
+            xml.tag! :AVSaddress2, byte_limit(format_address_field(address[:address2]), 30)
+            xml.tag! :AVScity, byte_limit(format_address_field(address[:city]), 20)
+            xml.tag! :AVSstate, byte_limit(format_address_field(address[:state]), 2)
+            xml.tag! :AVSphoneNum, (address[:phone] ? address[:phone].scan(/\d/).join.to_s[0..13] : nil)
+          end
+
+          xml.tag! :AVSname, billing_name(payment_source, options)
+          xml.tag! :AVScountryCode, (avs_supported ? byte_limit(format_address_field(address[:country]), 2) : '')
+
+          # Needs to come after AVScountryCode
+          add_destination_address(xml, address) if avs_supported
+        end
+      end
+
+      def billing_name(payment_source, options)
+        if payment_source&.name.present?
+          payment_source.name[0..29]
+        elsif options[:billing_address][:name].present?
+          options[:billing_address][:name][0..29]
+        end
+      end
+
+      def add_destination_address(xml, address)
+        if address[:dest_zip]
+          avs_supported = AVS_SUPPORTED_COUNTRIES.include?(address[:dest_country].to_s)
+
+          xml.tag! :AVSDestzip,      byte_limit(format_address_field(address[:dest_zip]), 10)
+          xml.tag! :AVSDestaddress1, byte_limit(format_address_field(address[:dest_address1]), 30)
+          xml.tag! :AVSDestaddress2, byte_limit(format_address_field(address[:dest_address2]), 30)
+          xml.tag! :AVSDestcity,     byte_limit(format_address_field(address[:dest_city]), 20)
+          xml.tag! :AVSDeststate,    byte_limit(format_address_field(address[:dest_state]), 2)
+          xml.tag! :AVSDestphoneNum, (address[:dest_phone] ? address[:dest_phone].scan(/\d/).join.to_s[0..13] : nil)
+
+          xml.tag! :AVSDestname,        byte_limit(address[:dest_name], 30)
+          xml.tag! :AVSDestcountryCode, (avs_supported ? address[:dest_country] : '')
+        end
+      end
+
+      # For Profile requests
+      def add_customer_address(xml, options)
+        address = get_address(options)
+
+        unless address.blank?
+          avs_supported = AVS_SUPPORTED_COUNTRIES.include?(address[:country].to_s)
+
+          xml.tag! :CustomerAddress1, byte_limit(format_address_field(address[:address1]), 30)
+          xml.tag! :CustomerAddress2, byte_limit(format_address_field(address[:address2]), 30)
+          xml.tag! :CustomerCity, byte_limit(format_address_field(address[:city]), 20)
+          xml.tag! :CustomerState, byte_limit(format_address_field(address[:state]), 2)
+          xml.tag! :CustomerZIP, byte_limit(format_address_field(address[:zip]), 10)
+          xml.tag! :CustomerEmail, byte_limit(address[:email], 50) if address[:email]
+          xml.tag! :CustomerPhone, (address[:phone] ? address[:phone].scan(/\d/).join.to_s : nil)
+          xml.tag! :CustomerCountryCode, (avs_supported ? address[:country] : '')
+        end
+      end
+
+      # Payment can be done through either Credit Card or Electronic Check
+      def add_payment_source(xml, payment_source, options = {})
+        if payment_source.is_a?(Check)
+          add_echeck(xml, payment_source, options)
+        else
+          add_creditcard(xml, payment_source, options[:currency])
+        end
+      end
+
+      # Adds Electronic Check attributes
+      def add_echeck(xml, check, options = {})
+        xml.tag! :CardBrand, 'EC'
+        xml.tag! :CurrencyCode, currency_code(options[:currency])
+        xml.tag! :CurrencyExponent, currency_exponents(options[:currency])
+        unless check.nil?
+
+          xml.tag! :BCRtNum, check.routing_number
+          xml.tag! :CheckDDA, check.account_number if check.account_number
+          xml.tag! :BankAccountType, ACCOUNT_TYPE[check.account_type] if ACCOUNT_TYPE[check.account_type]
+          xml.tag! :ECPAuthMethod, options[:auth_method] if options[:auth_method]
+
+          if options[:payment_delivery]
+            xml.tag! :BankPmtDelv, options[:payment_delivery]
+          else
+            xml.tag! :BankPmtDelv, 'B'
+          end
+
+          xml.tag! :AVSname, (check&.name ? check.name[0..29] : nil) if get_address(options).blank?
+        end
+      end
+
+      # Adds Credit Card attributes
+      def add_creditcard(xml, creditcard, currency = nil)
+        unless creditcard.nil?
+          xml.tag! :AccountNum, creditcard.number
+          xml.tag! :Exp, expiry_date(creditcard)
+        end
+
+        xml.tag! :CurrencyCode, currency_code(currency)
+        xml.tag! :CurrencyExponent, currency_exponents(currency)
+
+        # If you are trying to collect a Card Verification Number
+        # (CardSecVal) for a Visa or Discover transaction, pass one of these values:
+        #   1 Value is Present
+        #   2 Value on card but illegible
+        #   9 Cardholder states data not available
+        # If the transaction is not a Visa or Discover transaction:
+        #   Null-fill this attribute OR
+        #   Do not submit the attribute at all.
+        # - http://download.chasepaymentech.com/docs/orbital/orbital_gateway_xml_specification.pdf
+        unless creditcard.nil?
+          if creditcard.verification_value?
+            xml.tag! :CardSecValInd, '1' if %w(visa discover).include?(creditcard.brand)
+            xml.tag! :CardSecVal, creditcard.verification_value
+          end
+        end
+      end
+
+      def add_eci(xml, creditcard, three_d_secure)
+        eci = if three_d_secure
+                three_d_secure[:eci]
+              elsif creditcard.is_a?(NetworkTokenizationCreditCard)
+                creditcard.eci
+              end
+
+        xml.tag!(:AuthenticationECIInd, eci) if eci
+      end
+
+      def add_xid(xml, creditcard, three_d_secure)
+        return unless three_d_secure && creditcard.brand == 'visa'
+
+        xml.tag!(:XID, three_d_secure[:xid]) if three_d_secure[:xid]
+      end
+
+      def add_cavv(xml, creditcard, three_d_secure)
+        return unless three_d_secure && creditcard.brand == 'visa'
+
+        xml.tag!(:CAVV, three_d_secure[:cavv])
+      end
+
+      def add_aav(xml, creditcard, three_d_secure)
+        return unless three_d_secure && creditcard.brand == 'master'
+
+        xml.tag!(:AAV, three_d_secure[:cavv])
+      end
+
+      def add_mc_program_protocol(xml, creditcard, three_d_secure)
+        return unless three_d_secure && creditcard.brand == 'master'
+        return unless three_d_secure[:version]
+
+        truncated_version = three_d_secure[:version].to_s[0]
+        xml.tag!(:MCProgramProtocol, truncated_version)
+      end
+
+      def add_mc_directory_trans_id(xml, creditcard, three_d_secure)
+        return unless three_d_secure && creditcard.brand == 'master'
+
+        xml.tag!(:MCDirectoryTransID, three_d_secure[:ds_transaction_id]) if three_d_secure[:ds_transaction_id]
+      end
+
+      def add_mc_ucafind(xml, creditcard, three_d_secure)
+        return unless three_d_secure && creditcard.brand == 'master'
+
+        xml.tag! :UCAFInd, '4'
+      end
+
+      def add_mc_scarecurring(xml, creditcard, parameters, three_d_secure)
+        return unless parameters && parameters[:sca_recurring] && creditcard.brand == 'master'
+
+        valid_eci = three_d_secure && three_d_secure[:eci] && three_d_secure[:eci] == '7'
+
+        xml.tag!(:SCARecurringPayment, parameters[:sca_recurring]) if valid_eci
+      end
+
+      def add_dpanind(xml, creditcard)
+        return unless creditcard.is_a?(NetworkTokenizationCreditCard)
+
+        xml.tag! :DPANInd, 'Y'
+      end
+
+      def add_digital_token_cryptogram(xml, creditcard)
+        return unless creditcard.is_a?(NetworkTokenizationCreditCard)
+
+        xml.tag! :DigitalTokenCryptogram, creditcard.payment_cryptogram
+      end
+
+      def add_aevv(xml, creditcard, three_d_secure)
+        return unless three_d_secure && creditcard.brand == 'american_express'
+
+        xml.tag!(:AEVV, three_d_secure[:cavv])
+      end
+
+      def add_pymt_brand_program_code(xml, creditcard, three_d_secure)
+        return unless three_d_secure && creditcard.brand == 'american_express'
+
+        xml.tag!(:PymtBrandProgramCode, 'ASK')
+      end
+
+      def add_refund(xml, currency = nil)
+        xml.tag! :AccountNum, nil
+
+        xml.tag! :CurrencyCode, currency_code(currency)
+        xml.tag! :CurrencyExponent, currency_exponents(currency)
+      end
+
+      def add_managed_billing(xml, options)
+        if mb = options[:managed_billing]
+          ActiveMerchant.deprecated RECURRING_DEPRECATION_MESSAGE
+
+          # default to recurring (R).  Other option is deferred (D).
+          xml.tag! :MBType, mb[:type] || RECURRING
+          # default to Customer Reference Number
+          xml.tag! :MBOrderIdGenerationMethod,     mb[:order_id_generation_method] || 'IO'
+          # By default use MBRecurringEndDate, set to N.
+          # MMDDYYYY
+          xml.tag! :MBRecurringStartDate,          mb[:start_date].scan(/\d/).join.to_s if mb[:start_date]
+          # MMDDYYYY
+          xml.tag! :MBRecurringEndDate,            mb[:end_date].scan(/\d/).join.to_s if mb[:end_date]
+          # By default listen to any value set in MBRecurringEndDate.
+          xml.tag! :MBRecurringNoEndDateFlag,      mb[:no_end_date_flag] || 'N' # 'Y' || 'N' (Yes or No).
+          xml.tag! :MBRecurringMaxBillings,        mb[:max_billings]       if mb[:max_billings]
+          xml.tag! :MBRecurringFrequency,          mb[:frequency]          if mb[:frequency]
+          xml.tag! :MBDeferredBillDate,            mb[:deferred_bill_date] if mb[:deferred_bill_date]
+          xml.tag! :MBMicroPaymentMaxDollarValue,  mb[:max_dollar_value]   if mb[:max_dollar_value]
+          xml.tag! :MBMicroPaymentMaxBillingDays,  mb[:max_billing_days]   if mb[:max_billing_days]
+          xml.tag! :MBMicroPaymentMaxTransactions, mb[:max_transactions]   if mb[:max_transactions]
+        end
+      end
+
+      def add_ews_details(xml, payment_source, parameters = {})
+        split_name = payment_source.first_name.split if payment_source.first_name
+        xml.tag! :EWSFirstName, split_name[0]
+        xml.tag! :EWSMiddleName, split_name[1..-1].join(' ')
+        xml.tag! :EWSLastName, payment_source.last_name
+        xml.tag! :EWSBusinessName, parameters[:company] if payment_source.first_name.empty? && payment_source.last_name.empty?
+
+        if (address = (parameters[:billing_address] || parameters[:address]))
+          xml.tag! :EWSAddressLine1, byte_limit(format_address_field(address[:address1]), 30)
+          xml.tag! :EWSAddressLine2, byte_limit(format_address_field(address[:address2]), 30)
+          xml.tag! :EWSCity, byte_limit(format_address_field(address[:city]), 20)
+          xml.tag! :EWSState, byte_limit(format_address_field(address[:state]), 2)
+          xml.tag! :EWSZip, byte_limit(format_address_field(address[:zip]), 10)
+        end
+
+        xml.tag! :EWSPhoneType, parameters[:phone_type]
+        xml.tag! :EWSPhoneNumber, parameters[:phone_number]
+        xml.tag! :EWSCheckSerialNumber, payment_source.account_number unless parameters[:auth_method].eql?('I')
+      end
+
+      # Adds ECP conditional attributes depending on other attribute values
+      def add_ecp_details(xml, payment_source, parameters = {})
+        requires!(payment_source.account_number) if parameters[:auth_method]&.eql?('A') || parameters[:auth_method]&.eql?('P')
+        xml.tag! :ECPActionCode, parameters[:action_code] if parameters[:action_code]
+        xml.tag! :ECPCheckSerialNumber, payment_source.account_number if parameters[:auth_method]&.eql?('A') || parameters[:auth_method]&.eql?('P')
+        if parameters[:auth_method]&.eql?('P')
+          xml.tag! :ECPTerminalCity, parameters[:terminal_city] if parameters[:terminal_city]
+          xml.tag! :ECPTerminalState, parameters[:terminal_state] if parameters[:terminal_state]
+          xml.tag! :ECPImageReferenceNumber, parameters[:image_reference_number] if parameters[:image_reference_number]
+        end
+        if parameters[:action_code]&.eql?('W3') || parameters[:action_code]&.eql?('W5') ||
+           parameters[:action_code]&.eql?('W7') || parameters[:action_code]&.eql?('W9')
+          add_ews_details(xml, payment_source, parameters)
+        end
+      end
+
+      def add_stored_credentials(xml, parameters)
+        return unless parameters[:mit_stored_credential_ind] == 'Y' || parameters[:stored_credential] && !parameters[:stored_credential].values.all?(&:nil?)
+
+        if msg_type = get_msg_type(parameters)
+          xml.tag! :MITMsgType, msg_type
+        end
+        xml.tag! :MITStoredCredentialInd, 'Y'
+        if parameters[:mit_submitted_transaction_id]
+          xml.tag! :MITSubmittedTransactionID, parameters[:mit_submitted_transaction_id]
+        elsif parameters.dig(:stored_credential, :network_transaction_id) && parameters.dig(:stored_credential, :initiator) == 'merchant'
+          xml.tag! :MITSubmittedTransactionID, parameters[:stored_credential][:network_transaction_id]
+        end
+      end
+
+      def get_msg_type(parameters)
+        return parameters[:mit_msg_type] if parameters[:mit_msg_type]
+        return 'CSTO' if parameters[:stored_credential][:initial_transaction]
+        return unless parameters[:stored_credential][:initiator] && parameters[:stored_credential][:reason_type]
+
+        initiator =
+          case parameters[:stored_credential][:initiator]
+          when 'cardholder', 'customer' then 'C'
+          when 'merchant' then 'M'
+          end
+        reason =
+          case parameters[:stored_credential][:reason_type]
+          when 'recurring' then 'REC'
+          when 'installment' then 'INS'
+          when 'unscheduled' then 'USE'
+          end
+
+        "#{initiator}#{reason}"
+      end
+
+      def parse(body)
+        response = {}
+        xml = REXML::Document.new(strip_invalid_xml_chars(body))
+        root = REXML::XPath.first(xml, '//Response') ||
+               REXML::XPath.first(xml, '//ErrorResponse')
+        if root
+          root.elements.to_a.each do |node|
+            recurring_parse_element(response, node)
+          end
+        end
+
+        response.delete_if { |k, _| SENSITIVE_FIELDS.include?(k) }
+      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
+
+      def commit(order, message_type, retry_logic = nil, trace_number = nil)
+        headers = POST_HEADERS.merge('Content-length' => order.size.to_s)
+        if (@options[:retry_logic] || retry_logic) && trace_number
+          headers['Trace-number'] = trace_number.to_s
+          headers['Merchant-Id'] = @options[:merchant_id]
+        end
+        request = ->(url) { parse(ssl_post(url, order, headers)) }
+
+        # Failover URL will be attempted in the event of a connection error
+        response =
+          begin
+            request.call(remote_url)
+          rescue ConnectionError
+            request.call(remote_url(:secondary))
+          end
+
+        Response.new(success?(response, message_type), message_from(response), response,
+          {
+            authorization: authorization_string(response[:tx_ref_num], response[:order_id]),
+            test: self.test?,
+            avs_result: OrbitalGateway::AVSResult.new(response[:avs_resp_code]),
+            cvv_result: OrbitalGateway::CVVResult.new(response[:cvv2_resp_code])
+          })
+      end
+
+      def remote_url(url = :primary)
+        if url == :primary
+          (self.test? ? self.test_url : self.live_url)
+        else
+          (self.test? ? self.secondary_test_url : self.secondary_live_url)
+        end
+      end
+
+      def success?(response, message_type)
+        if %i[void].include?(message_type)
+          response[:proc_status] == SUCCESS
+        elsif %i[refund].include?(message_type)
+          response[:proc_status] == SUCCESS && response[:approval_status] == APPROVAL_SUCCESS
+        elsif response[:customer_profile_action]
+          response[:profile_proc_status] == SUCCESS
+        else
+          response[:proc_status] == SUCCESS &&
+            APPROVED.include?(response[:resp_code])
+        end
+      end
+
+      def message_from(response)
+        response[:resp_msg] || response[:status_msg] || response[:customer_profile_message]
+      end
+
+      def ip_authentication?
+        @options[:ip_authentication] == true
+      end
+
+      def build_new_order_xml(action, money, payment_source, parameters = {})
+        requires!(parameters, :order_id)
+        xml = xml_envelope
+        xml.tag! :Request do
+          xml.tag! :NewOrder do
+            add_xml_credentials(xml)
+            # EC - Ecommerce transaction
+            # RC - Recurring Payment transaction
+            # MO - Mail Order Telephone Order transaction
+            # IV - Interactive Voice Response
+            # IN - Interactive Voice Response
+            xml.tag! :IndustryType, parameters[:industry_type] || ECOMMERCE_TRANSACTION
+            # A  - Auth Only No Capture
+            # AC - Auth and Capture
+            # F  - Force Auth No Capture and no online authorization
+            # FR - Force Auth No Capture and no online authorization
+            # FC - Force Auth and Capture no online authorization
+            # R  - Refund and Capture no online authorization
+            xml.tag! :MessageType, action
+            add_bin_merchant_and_terminal(xml, parameters)
+
+            yield xml if block_given?
+
+            three_d_secure = parameters[:three_d_secure]
+
+            add_eci(xml, payment_source, three_d_secure)
+            add_cavv(xml, payment_source, three_d_secure)
+            add_xid(xml, payment_source, three_d_secure)
+
+            xml.tag! :OrderID, format_order_id(parameters[:order_id])
+            xml.tag! :Amount, amount(money)
+            xml.tag! :Comments, parameters[:comments] if parameters[:comments]
+
+            add_level2_tax(xml, parameters)
+            add_level2_advice_addendum(xml, parameters)
+
+            add_aav(xml, payment_source, three_d_secure)
+            # CustomerAni, AVSPhoneType and AVSDestPhoneType could be added here.
+
+            if parameters[:soft_descriptors].is_a?(OrbitalSoftDescriptors)
+              add_soft_descriptors(xml, parameters[:soft_descriptors])
+            elsif parameters[:soft_descriptors].is_a?(Hash)
+              add_soft_descriptors_from_hash(xml, parameters[:soft_descriptors])
+            end
+
+            add_dpanind(xml, payment_source)
+            add_aevv(xml, payment_source, three_d_secure)
+            add_digital_token_cryptogram(xml, payment_source)
+
+            xml.tag! :ECPSameDayInd, parameters[:same_day] if parameters[:same_day] && payment_source.is_a?(Check)
+
+            set_recurring_ind(xml, parameters)
+
+            # Append Transaction Reference Number at the end for Refund transactions
+            if action == REFUND && parameters[:authorization]
+              tx_ref_num, = split_authorization(parameters[:authorization])
+              xml.tag! :TxRefNum, tx_ref_num
+            end
+
+            add_level2_purchase(xml, parameters)
+            add_level3_purchase(xml, parameters)
+            add_level3_tax(xml, parameters)
+            add_line_items(xml, parameters) if parameters[:line_items]
+            add_ecp_details(xml, payment_source, parameters) if payment_source.is_a?(Check)
+            add_card_indicators(xml, parameters)
+            add_stored_credentials(xml, parameters)
+            add_pymt_brand_program_code(xml, payment_source, three_d_secure)
+            add_mc_scarecurring(xml, payment_source, parameters, three_d_secure)
+            add_mc_program_protocol(xml, payment_source, three_d_secure)
+            add_mc_directory_trans_id(xml, payment_source, three_d_secure)
+            add_mc_ucafind(xml, payment_source, three_d_secure)
+          end
+        end
+        xml.target!
+      end
+
+      # For Canadian transactions on PNS Tampa on New Order
+      # RF - First Recurring Transaction
+      # RS - Subsequent Recurring Transactions
+      def set_recurring_ind(xml, parameters)
+        if parameters[:recurring_ind]
+          raise 'RecurringInd must be set to either "RF" or "RS"' unless %w(RF RS).include?(parameters[:recurring_ind])
+
+          xml.tag! :RecurringInd, parameters[:recurring_ind]
+        end
+      end
+
+      def build_mark_for_capture_xml(money, authorization, parameters = {})
+        tx_ref_num, order_id = split_authorization(authorization)
+        xml = xml_envelope
+        xml.tag! :Request do
+          xml.tag! :MarkForCapture do
+            add_xml_credentials(xml)
+            xml.tag! :OrderID, format_order_id(order_id)
+            xml.tag! :Amount, amount(money)
+            add_level2_tax(xml, parameters)
+            add_bin_merchant_and_terminal(xml, parameters)
+            xml.tag! :TxRefNum, tx_ref_num
+            add_level2_purchase(xml, parameters)
+            add_level2_advice_addendum(xml, parameters)
+            add_level3_purchase(xml, parameters)
+            add_level3_tax(xml, parameters)
+            add_line_items(xml, parameters) if parameters[:line_items]
+          end
+        end
+        xml.target!
+      end
+
+      def build_void_request_xml(authorization, parameters = {})
+        tx_ref_num, order_id = split_authorization(authorization)
+        xml = xml_envelope
+        xml.tag! :Request do
+          xml.tag! :Reversal do
+            add_xml_credentials(xml)
+            xml.tag! :TxRefNum, tx_ref_num
+            xml.tag! :TxRefIdx, parameters[:transaction_index]
+            xml.tag! :AdjustedAmt, parameters[:amount] # setting adjusted amount to nil will void entire amount
+            xml.tag! :OrderID, format_order_id(order_id || parameters[:order_id])
+            add_bin_merchant_and_terminal(xml, parameters)
+            xml.tag! :ReversalRetryNumber, parameters[:reversal_retry_number] if parameters[:reversal_retry_number]
+            xml.tag! :OnlineReversalInd,   parameters[:online_reversal_ind]   if parameters[:online_reversal_ind]
+          end
+        end
+        xml.target!
+      end
+
+      def currency_code(currency)
+        CURRENCY_CODES[(currency || self.default_currency)].to_s
+      end
+
+      def currency_exponents(currency)
+        CURRENCY_EXPONENTS[(currency || self.default_currency)].to_s
+      end
+
+      def expiry_date(credit_card)
+        "#{format(credit_card.month, :two_digits)}#{format(credit_card.year, :two_digits)}"
+      end
+
+      def bin
+        @options[:bin] || (salem_mid? ? '000001' : '000002')
+      end
+
+      def xml_envelope
+        xml = Builder::XmlMarkup.new(indent: 2)
+        xml.instruct!(:xml, version: '1.0', encoding: 'UTF-8')
+        xml
+      end
+
+      def add_xml_credentials(xml)
+        unless ip_authentication?
+          xml.tag! :OrbitalConnectionUsername, @options[:login]
+          xml.tag! :OrbitalConnectionPassword, @options[:password]
+        end
+      end
+
+      def add_bin_merchant_and_terminal(xml, parameters)
+        xml.tag! :BIN, bin
+        xml.tag! :MerchantID, @options[:merchant_id]
+        xml.tag! :TerminalID, parameters[:terminal_id] || '001'
+      end
+
+      def salem_mid?
+        @options[:merchant_id].length == 6
+      end
+
+      def get_address(options)
+        options[:billing_address] || options[:address]
+      end
+
+      # Null characters are possible in some responses (namely, the respMsg field), causing XML parsing errors
+      # Prevent by substituting these with a valid placeholder string
+      def strip_invalid_xml_chars(xml)
+        xml.gsub(/\u0000/, '[null]')
+      end
+
+      # The valid characters include:
+      #
+      # 1. all letters and digits
+      # 2. - , $ @ & and a space character, though the space character cannot be the leading character
+      # 3. PINless Debit transactions can only use uppercase and lowercase alpha (A-Z, a-z) and numeric (0-9)
+      def format_order_id(order_id)
+        illegal_characters = /[^,$@&\- \w]/
+        order_id = order_id.to_s.tr('.', '-')
+        order_id.gsub!(illegal_characters, '')
+        order_id.lstrip!
+        order_id[0...22]
+      end
+
+      # Address-related fields cannot contain % | ^ \ /
+      # Returns the value with these characters removed, or nil
+      def format_address_field(value)
+        value.gsub(/[%\|\^\\\/]/, '') if value.respond_to?(:gsub)
+      end
+
+      # Field lengths should be limited by byte count instead of character count
+      # Returns the truncated value or nil
+      def byte_limit(value, byte_length)
+        limited_value = ''
+
+        value.to_s.each_char do |c|
+          break if (limited_value.bytesize + c.bytesize) > byte_length
+
+          limited_value << c
+        end
+
+        limited_value
+      end
+
+      def build_customer_request_xml(creditcard, options = {})
+        ActiveMerchant.deprecated 'Customer Profile support in Orbital is non-conformant to the ActiveMerchant API and will be removed in its current form in a future version. Please contact the ActiveMerchant maintainers if you have an interest in modifying it to conform to the store/unstore/update API.'
+        xml = xml_envelope
+        xml.tag! :Request do
+          xml.tag! :Profile do
+            xml.tag! :OrbitalConnectionUsername, @options[:login] unless ip_authentication?
+            xml.tag! :OrbitalConnectionPassword, @options[:password] unless ip_authentication?
+            xml.tag! :CustomerBin, bin
+            xml.tag! :CustomerMerchantID, @options[:merchant_id]
+            xml.tag! :CustomerName, creditcard.name if creditcard
+            xml.tag! :CustomerRefNum, options[:customer_ref_num] if options[:customer_ref_num]
+
+            add_customer_address(xml, options)
+
+            xml.tag! :CustomerProfileAction, options[:customer_profile_action] # C, R, U, D
+            # NO No mapping to order data
+            # OI Use <CustomerRefNum> for <OrderID>
+            # OD Use <CustomerReferNum> for <Comments>
+            # OA Use <CustomerRefNum> for <OrderID> and <Comments>
+            xml.tag! :CustomerProfileOrderOverrideInd, options[:customer_profile_order_override_ind] || NO_MAPPING_TO_ORDER_DATA
+
+            if options[:customer_profile_action] == CREATE
+              # A Auto-Generate the CustomerRefNum
+              # S Use CustomerRefNum field
+              # O Use OrderID field
+              # D Use Comments field
+              xml.tag! :CustomerProfileFromOrderInd, (options[:customer_ref_num] ? USE_CUSTOMER_REF_NUM : AUTO_GENERATE)
+            end
+
+            xml.tag! :OrderDefaultDescription, options[:order_default_description][0..63] if options[:order_default_description]
+            xml.tag! :OrderDefaultAmount, options[:order_default_amount] if options[:order_default_amount]
+
+            if [CREATE, UPDATE].include? options[:customer_profile_action]
+              xml.tag! :CustomerAccountType, 'CC' # Only credit card supported
+              xml.tag! :Status, options[:status] || ACTIVE # Active
+            end
+
+            xml.tag! :CCAccountNum, creditcard.number if creditcard
+            xml.tag! :CCExpireDate, creditcard.expiry_date.expiration.strftime('%m%y') if creditcard
+
+            # This has to come after CCExpireDate.
+            add_managed_billing(xml, options)
+          end
+        end
+        xml.target!
+      end
+
+      # Unfortunately, Orbital uses their own special codes for AVS responses
+      # that are different than the standard codes defined in
+      # <tt>ActiveMerchant::Billing::AVSResult</tt>.
+      #
+      # This class encapsulates the response codes shown on page 240 of their spec:
+      # http://download.chasepaymentech.com/docs/orbital/orbital_gateway_xml_specification.pdf
+      #
+      class AVSResult < ActiveMerchant::Billing::AVSResult
+        CODES = {
+          '1'  => 'No address supplied',
+          '2'  => 'Bill-to address did not pass Auth Host edit checks',
+          '3'  => 'AVS not performed',
+          '4'  => 'Issuer does not participate in AVS',
+          '5'  => 'Edit-error - AVS data is invalid',
+          '6'  => 'System unavailable or time-out',
+          '7'  => 'Address information unavailable',
+          '8'  => 'Transaction Ineligible for AVS',
+          '9'  => 'Zip Match/Zip 4 Match/Locale match',
+          'A'  => 'Zip Match/Zip 4 Match/Locale no match',
+          'B'  => 'Zip Match/Zip 4 no Match/Locale match',
+          'C'  => 'Zip Match/Zip 4 no Match/Locale no match',
+          'D'  => 'Zip No Match/Zip 4 Match/Locale match',
+          'E'  => 'Zip No Match/Zip 4 Match/Locale no match',
+          'F'  => 'Zip No Match/Zip 4 No Match/Locale match',
+          'G'  => 'No match at all',
+          'H'  => 'Zip Match/Locale match',
+          'J'  => 'Issuer does not participate in Global AVS',
+          'JA' => 'International street address and postal match',
+          'JB' => 'International street address match. Postal code not verified',
+          'JC' => 'International street address and postal code not verified',
+          'JD' => 'International postal code match. Street address not verified',
+          'M1' => 'Cardholder name matches',
+          'M2' => 'Cardholder name, billing address, and postal code matches',
+          'M3' => 'Cardholder name and billing code matches',
+          'M4' => 'Cardholder name and billing address match',
+          'M5' => 'Cardholder name incorrect, billing address and postal code match',
+          'M6' => 'Cardholder name incorrect, billing postal code matches',
+          'M7' => 'Cardholder name incorrect, billing address matches',
+          'M8' => 'Cardholder name, billing address and postal code are all incorrect',
+          'N3' => 'Address matches, ZIP not verified',
+          'N4' => 'Address and ZIP code not verified due to incompatible formats',
+          'N5' => 'Address and ZIP code match (International only)',
+          'N6' => 'Address not verified (International only)',
+          'N7' => 'ZIP matches, address not verified',
+          'N8' => 'Address and ZIP code match (International only)',
+          'N9' => 'Address and ZIP code match (UK only)',
+          'R'  => 'Issuer does not participate in AVS',
+          'UK' => 'Unknown',
+          'X'  => 'Zip Match/Zip 4 Match/Address Match',
+          'Z'  => 'Zip Match/Locale no match'
+        }
+
+        # Map vendor's AVS result code to a postal match code
+        ORBITAL_POSTAL_MATCH_CODE = {
+          'Y' => %w(9 A B C H JA JD M2 M3 M5 N5 N8 N9 X Z),
+          'N' => %w(D E F G M8),
+          'X' => %w(4 J R),
+          nil => %w(1 2 3 5 6 7 8 JB JC M1 M4 M6 M7 N3 N4 N6 N7 UK)
+        }.inject({}) do |map, (type, codes)|
+          codes.each { |code| map[code] = type }
+          map
+        end
+
+        # Map vendor's AVS result code to a street match code
+        ORBITAL_STREET_MATCH_CODE = {
+          'Y' => %w(9 B D F H JA JB M2 M4 M5 M6 M7 N3 N5 N7 N8 N9 X),
+          'N' => %w(A C E G M8 Z),
+          'X' => %w(4 J R),
+          nil => %w(1 2 3 5 6 7 8 JC JD M1 M3 N4 N6 UK)
+        }.inject({}) do |map, (type, codes)|
+          codes.each { |code| map[code] = type }
+          map
+        end
+
+        def self.messages
+          CODES
+        end
+
+        def initialize(code)
+          @code = (code.blank? ? nil : code.to_s.strip.upcase)
+          if @code
+            @message      = CODES[@code]
+            @postal_match = ORBITAL_POSTAL_MATCH_CODE[@code]
+            @street_match = ORBITAL_STREET_MATCH_CODE[@code]
+          end
+        end
+      end
+
+      # Unfortunately, Orbital uses their own special codes for CVV responses
+      # that are different than the standard codes defined in
+      # <tt>ActiveMerchant::Billing::CVVResult</tt>.
+      #
+      # This class encapsulates the response codes shown on page 255 of their spec:
+      # http://download.chasepaymentech.com/docs/orbital/orbital_gateway_xml_specification.pdf
+      #
+      class CVVResult < ActiveMerchant::Billing::CVVResult
+        MESSAGES = {
+          'M' => 'Match',
+          'N' => 'No match',
+          'P' => 'Not processed',
+          'S' => 'Should have been present',
+          'U' => 'Unsupported by issuer/Issuer unable to process request',
+          'I' => 'Invalid',
+          'Y' => 'Invalid',
+          ''  => 'Not applicable'
+        }
+
+        def self.messages
+          MESSAGES
+        end
+
+        def initialize(code)
+          @code = code.blank? ? '' : code.upcase
+          @message = MESSAGES[@code]
+        end
+      end
+    end
+  end
+end