balanced 0.8.2 → 1.0.beta1

data/spec/balanced/resources/debit_spec.rb

@@ -0,0 +1,95 @@
+require 'spec_helper'
+
+describe Balanced::Debit, :vcr do
+
+  before do
+    api_key = Balanced::ApiKey.new.save
+    Balanced.configure api_key.secret
+    @marketplace = Balanced::Marketplace.new.save
+  end
+
+  describe '#create', :vcr do
+
+    describe 'one time debit', :vcr do
+      subject do
+        debit = Balanced::Debit.new(
+            :amount => 1234,
+            :source => {
+                :number => '5105105105105100',
+                :expiration_month => '12',
+                :expiration_year => '2015'
+            })
+        debit.save
+      end
+      it { should_not be_nil }
+      it { should be_instance_of Balanced::Debit }
+
+      its(:href) { should_not be_nil }
+      its(:amount) { should eql 1234 }
+      its(:appears_on_statement_as) { should eql 'BAL*example.com' }
+      its(:description) { should be_nil }
+      its(:status) { should eql 'succeeded' }
+    end
+
+    describe 'from a customer', :vcr do
+      before do
+        @customer = Balanced::Customer.new.save
+        @card = Balanced::Card.new(
+            :number => '5105105105105100',
+            :expiration_month => '12',
+            :expiration_year => '2020'
+        ).save
+        @card.associate_to_customer(@customer)
+        @customer.add_source(@card)
+      end
+
+      context 'tokenized card', :vcr do
+        subject do
+          @card.debit(:amount => 1234)
+        end
+        it { should be_instance_of Balanced::Debit }
+        its(:href) { should_not be_nil }
+        its(:amount) { should eql 1234 }
+        its(:appears_on_statement_as) { should eql "BAL*#{@marketplace.domain_url}" }
+        its(:description) { should be_nil }
+        its(:status) { should eql 'succeeded' }
+        its(:source) { should be_instance_of Balanced::Card }
+        its('source.href') { should match "#{@card.href}" }
+      end
+
+      context 'default source', :vcr do
+        subject do
+          @customer.debit(:amount => 1234)
+        end
+        it { should be_instance_of Balanced::Debit }
+        its(:href) { should_not be_nil }
+        its(:amount) { should eql 1234 }
+        its(:appears_on_statement_as) { should eql "BAL*#{@marketplace.domain_url}" }
+        its(:description) { should be_nil }
+        its(:status) { should eql 'succeeded' }
+        its(:source) { should be_instance_of Balanced::Card }
+        its('source.href') { should match "#{@card.href}" }
+      end
+    end
+  end
+
+  describe '#refund', :vcr do
+    subject do
+      debit = Balanced::Debit.new(
+          :amount => 1234,
+          :source => {
+              :number => '5105105105105100',
+              :expiration_month => '12',
+              :expiration_year => '2015'
+          })
+      debit.save
+      refund = debit.refund
+      refund
+    end
+
+    it { should_not be_nil }
+    it { should be_instance_of Balanced::Refund }
+    its(:amount) { should eql 1234 }
+
+  end
+end

data/spec/balanced/resources/marketplace_spec.rb

@@ -1,4 +1,4 @@
-require "spec_helper"
+require 'spec_helper'
 
 
 describe Balanced::Marketplace, :vcr do
@@ -6,189 +6,36 @@ describe Balanced::Marketplace, :vcr do
     api_key = Balanced::ApiKey.new.save
     Balanced.configure api_key.secret
     @marketplace = Balanced::Marketplace.new.save
-    @bank_account = @marketplace.create_bank_account(
-      :account_number => "1234567890",
-      :bank_code => "321174851",
-      :name => "Jack Q Merchant"
-    )
-    @merchant = @marketplace.create_merchant(
-      :name =>"Jack Q Merchant",
-      :email_address => "merchant@example.org",
-      :merchant => {
-        :type => "person",
-        :name => "Billy Jones",
-        :street_address => "801 High St.",
-        :postal_code => "94301",
-        :country => "USA",
-        :dob => "1842-01",
-        :phone_number => "+16505551234"
-      },
-      :bank_account_uri => @bank_account.uri
-    )
   end
 
-  describe "create_bank_account", :vcr do
-    it "can create a bank account using the option hash" do
-      bank_account = @marketplace.create_bank_account(
-          :name => "Jon Q.",
-          :account_number => "11111111111",
-          :bank_code => "123456789"
-      )
-      bank_account.should be_instance_of Balanced::BankAccount
-      Balanced.is_collection(bank_account.uri).should be_false
+  describe 'marketplace', :vcr do
+    it 'should be a Balanced::Marketplace' do
+      @marketplace.should be_instance_of Balanced::Marketplace
     end
 
-  end
-
-  describe "create_account", :vcr => { :cassette_name => :new_episodes } do
-    before do
-      @account = @marketplace.create_account
-      @account_with_attributes = @marketplace.create_account(
-          :name => "Jon Q. Timmy",
-          :email_address => "bog@example.com"
-      )
-    end
-
-    it "creates an account without any roles" do
-      @account.should be_instance_of Balanced::Account
-      Balanced.is_collection(@account.uri).should be_false
-      @account.uri.should match ACCOUNTS_URI_REGEX
-      @account.roles.size.should eql 0
-    end
-
-    it "creates an account with some options" do
-      @account_with_attributes.name.should == "Jon Q. Timmy"
-      @account_with_attributes.email_address.should == "bog@example.com"
-    end
-
-  end
-
-  describe "create_card", :vcr do
-    it "can create a card" do
-      card = @marketplace.create_card(
-          :card_number => "4111111111111111",
-          :expiration_month => "12",
-          :expiration_year => "2018"
-      )
-      card.should be_instance_of Balanced::Card
-      Balanced.is_collection(card.uri).should be_false
+    it 'should conform to application/vnd.api+json' do
+      @marketplace.id.should_not be_nil
+      @marketplace.href.should_not be_nil
+      @marketplace.links.should be_instance_of Hash
     end
-  end
 
-  describe "create_merchant", :vcr do
-    describe "class" do
-      subject { @merchant }
-      it { should be_instance_of Balanced::Account }
+    it '#href' do
+      @marketplace.href.should match(/\/marketplaces\/TEST-MP\w{21,23}/)
     end
 
-    describe "attributes" do
-      describe "#id" do
-        subject { @merchant.id }
-        it { should_not be_nil }
-        it { should_not be_empty }
-      end
-      describe "#roles" do
-        subject { @merchant.roles }
-        it { should include("merchant") }
-      end
-      describe "#email_address" do
-        subject { @merchant.email_address }
-        it { should eql "merchant@example.org" }
-      end
-      describe "#name" do
-        subject { @merchant.name }
-        it { should eql "Jack Q Merchant" }
-      end
-      describe "#created_at" do
-        subject { @merchant.created_at }
-        it { should_not be_nil }
-        it { should_not be_empty }
-      end
-      describe "#uri" do
-        subject { @merchant.uri }
-        it { should match MERCHANT_URI_REGEX }
-      end
-      describe "#holds_uri" do
-        subject { @merchant.holds_uri }
-        it { should match HOLDS_URI_REGEX }
-      end
-      describe "#bank_accounts_uri" do
-        subject { @merchant.bank_accounts_uri }
-        it { should match BANK_ACCOUNTS_URI_REGEX }
-      end
-      describe "#refunds_uri" do
-        subject { @merchant.refunds_uri }
-        it { should match REFUNDS_URI_REGEX }
-      end
-      describe "#debits_uri" do
-        subject { @merchant.debits_uri }
-        it { should match DEBITS_URI_REGEX }
-      end
-      describe "#transactions_uri" do
-        subject { @merchant.transactions_uri }
-        it { should match TRANSACTIONS_URI_REGEX }
-      end
-      describe "#credits_uri" do
-        subject { @merchant.credits_uri }
-        it { should match CREDITS_URI_REGEX }
-      end
-      describe "#cards_uri" do
-        subject { @merchant.cards_uri }
-        it { should match CARDS_URI_REGEX }
-      end
+    it '#bank_accounts' do
+      @marketplace.bank_accounts.should be_instance_of Balanced::Pager
+      @marketplace.bank_accounts.href.should eql '/bank_accounts'
     end
-  end
-end
-
-describe Balanced::Marketplace, '.marketplace_uri' do
-  context 'when invoking .my_marketplace', :vcr do
-    it 'sets the marketplace_id after the first call implicitly' do
-      Balanced.configure nil
-      Balanced.is_configured_with_api_key?.should be_false
-      
-      Balanced::Marketplace.send(:class_variable_set, :@@marketplace_uri, nil)
-      Balanced::Marketplace.send(:class_variable_get, :@@marketplace_uri).should be_nil
-
-      api_key = Balanced::ApiKey.new.save
-      Balanced.configure api_key.secret
-      marketplace = Balanced::Marketplace.new.save
-      # creating the marketplace sets `Balanced::Marketplace.marketplace_uri`,
-      # it will never be unset.
-      
-      Balanced::Marketplace.send(:class_variable_get, :@@marketplace_uri).should equal marketplace.uri
-      old_marketplace_uri = marketplace.uri
 
-      api_key = Balanced::ApiKey.new.save
-      Balanced.configure api_key.secret
-      marketplace = Balanced::Marketplace.new.save
-      # creating the marketplace sets `Balanced::Marketplace.marketplace_uri`,
-      # it will never be unset.
-      
-      Balanced::Marketplace.send(:class_variable_get, :@@marketplace_uri).should_not equal old_marketplace_uri
-      Balanced::Marketplace.send(:class_variable_get, :@@marketplace_uri).should equal marketplace.uri
+    it '#owner_customer' do
+      @marketplace.owner_customer.should be_instance_of Balanced::Customer
     end
-  end
-
-  context 'when creating a Balanced::Marketplace resource', :vcr do
-    it 'sets the marketplace_uri' do
-      api_key = Balanced::ApiKey.new.save
-      Balanced.configure api_key.secret
 
-      res = Balanced::Marketplace.new.save
-      Balanced::Marketplace.marketplace_uri.should == res.uri
-      Balanced::Marketplace.marketplace_uri.nil?.should be_false
+    it '#meta' do
+      @marketplace.meta.should be_instance_of Hash
     end
-  end
-end
 
-describe Balanced::Marketplace, '.marketplace_exists?' do
-  it 'returns false when nil' do
-    Balanced::Marketplace.stub(:marketplace_uri) { nil }
-    Balanced::Marketplace.marketplace_exists?.should == false
   end
 
-  it 'returns true when not nil' do
-    Balanced::Marketplace.stub(:marketplace_uri) { 'some uri' }
-    Balanced::Marketplace.marketplace_exists?.should == true
-  end
 end

data/spec/balanced/resources/order_spec.rb

@@ -0,0 +1,364 @@
+require 'spec_helper'
+
+describe Balanced::Order, :vcr, :marketplace => true do
+
+  context 'created with verified merchant' do
+    subject(:order) do
+      customer = Balanced::Customer.new(
+          :name => 'Henry Ford',
+          :dob_month => 7,
+          :dob_year => 1963,
+          :address => {
+              :postal_code => '48120'
+          }
+      ).save
+      customer.create_order
+    end
+
+    its(:href) { should eq "/orders/#{subject.id}" }
+    its('merchant.merchant_status') { should eq 'underwritten' }
+  end
+
+  describe 'simple order' do
+    before do
+      # create seller
+      @merchant = Balanced::Customer.new(
+          :name => 'Henry Ford',
+          :dob_month => 7,
+          :dob_year => 1963,
+          :address => {
+              :postal_code => '48120'
+          }
+      ).save
+      @bank_account =@merchant.bank_accounts.create(
+          :name => 'William Henry Cavendish III',
+          :routing_number => '321174851',
+          :account_number => '0987654321',
+          :type => 'checking'
+      )
+
+      # create buyer
+      @buyer = Balanced::Customer.new(
+          :name => 'John Buyer'
+      ).save
+      @card = @buyer.cards.create(
+          :number => '5105105105105100',
+          :expiration_month => '12',
+          :expiration_year => '2020',
+          :cvv => '123'
+      )
+
+      # create order
+      @order = @merchant.create_order
+    end
+
+    it 'should debit buyer and pay merchant' do
+      debit = @order.debit_from(
+          :source => @card,
+          :amount => 10000
+      )
+
+      @order.reload
+      @order.amount.should eq 10000
+      @order.amount_escrowed.should eq 10000
+
+      @order.credit_to(
+          :destination => @bank_account,
+          :amount => 8000
+      )
+      @order.reload
+      @order.amount.should eq 10000
+      @order.amount_escrowed.should eq 2000
+      @order.debits.map { |d| d.href }.should include(debit.href)
+    end
+
+  end
+
+  describe "can't over credit" do
+    before do
+      # create seller
+      @merchant = Balanced::Customer.new(
+          :name => 'Henry Ford',
+          :dob_month => 7,
+          :dob_year => 1963,
+          :address => {
+              :postal_code => '48120'
+          }
+      ).save
+      @bank_account =@merchant.bank_accounts.create(
+          :name => 'William Henry Cavendish III',
+          :routing_number => '321174851',
+          :account_number => '0987654321',
+          :type => 'checking'
+      )
+
+      # create buyer
+      @buyer = Balanced::Customer.new(
+          :name => 'John Buyer'
+      ).save
+      @card = @buyer.cards.create(
+          :number => '5105105105105100',
+          :expiration_month => '12',
+          :expiration_year => '2020',
+          :cvv => '123'
+      )
+
+      # create order
+      @order = @merchant.create_order
+    end
+
+    it 'credit should fail' do
+      @order.debit_from(
+          :source => @card,
+          :amount => 1234
+      )
+
+      @order.reload
+      @order.amount.should eq 1234
+      @order.amount_escrowed.should eq 1234
+
+      expect {
+        @order.credit_to(:destination => @bank_account, :amount => 2000)
+      }.to raise_exception(Balanced::Conflict)
+
+      @order.reload
+      @order.amount.should eq 1234
+    end
+  end
+
+  describe 'create with unverified merchant' do
+    before do
+      # create seller
+      @merchant = Balanced::Customer.new(
+          :name => 'William Henry Cavendish III',
+          :dob_month => 7,
+          :dob_year => 1963
+      ).save
+      @bank_account =@merchant.bank_accounts.create(
+          :name => 'William Henry Cavendish III',
+          :routing_number => '321174851',
+          :account_number => '0987654321',
+          :type => 'checking'
+      )
+
+      # create buyer
+      @buyer = Balanced::Customer.new(
+          :name => 'John Buyer'
+      ).save
+      @card = @buyer.cards.create(
+          :number => '5105105105105100',
+          :expiration_month => '12',
+          :expiration_year => '2020',
+          :cvv => '123'
+      )
+
+      # create order
+      @order = @merchant.create_order
+    end
+
+    it 'credit should succeed when not underwritten' do
+      @merchant.merchant_status.should eq 'no-match'
+      @bank_account =@merchant.bank_accounts.create(
+          :name => 'William Henry Cavendish III',
+          :routing_number => '321174851',
+          :account_number => '0987654321',
+          :type => 'checking'
+      )
+
+      @order.debit_from(:source => @card, :amount => 1234)
+
+      @order.reload
+      @order.amount.should eq 1234
+      @order.amount_escrowed.should eq 1234
+
+      @order.credit_to(
+          :destination => @bank_account,
+          :amount => 1234
+      )
+
+      @order.reload
+      @order.amount.should eq 1234
+    end
+  end
+
+  describe 'refund order' do
+    before do
+
+      # create seller
+      bank_account = Balanced::BankAccount.new(
+          :name => 'William Henry Cavendish III',
+          :routing_number => '321174851',
+          :account_number => '0987654321',
+          :type => 'checking'
+      ).save
+      @merchant = Balanced::Customer.new(
+          :name => 'Henry Ford',
+          :dob_month => 7,
+          :dob_year => 1963,
+          :address => {
+              :postal_code => '48120'
+          }
+      ).save
+      bank_account.associate_to_customer(@merchant)
+
+      # create buyer
+      @buyer = Balanced::Customer.new(
+          :name => 'John Buyer'
+      ).save
+      card = @buyer.cards.create(
+          :number => '5105105105105100',
+          :expiration_month => '12',
+          :expiration_year => '2020',
+          :cvv => '123'
+      )
+
+      # create order
+      @order = @merchant.create_order
+
+      @debit = @order.debit_from(
+          :source => card,
+          :amount => 1234
+      )
+
+      @credit = @order.credit_to(
+          :destination => bank_account,
+          :amount => 1234
+      )
+    end
+
+    it 'should create reversal and refund' do
+      @order.reload
+      @order.amount.should eq 1234
+      @order.amount_escrowed.should eq 0
+
+      @credit.reverse
+
+      @order.reload
+      @order.amount_escrowed.should eq 1234
+
+      @debit.refund
+
+      @order.reload
+      @order.amount_escrowed.should eq 0
+    end
+  end
+
+  describe 'failure behavior' do
+    before do
+      # create seller
+      @bank_account = Balanced::BankAccount.new(
+          :name => 'William Henry Cavendish III',
+          :routing_number => '321174851',
+          :account_number => '0987654321',
+          :type => 'checking'
+      ).save
+      @merchant = Balanced::Customer.new(
+          :name => 'Henry Ford',
+          :dob_month => 7,
+          :dob_year => 1963,
+          :address => {
+              :postal_code => '48120'
+          }
+      ).save
+
+      @bank_account.associate_to_customer(@merchant)
+
+      # create buyer
+      @failing_card = Balanced::Card.new(
+          :number => '4444444444444448',
+          :expiration_month => '12',
+          :expiration_year => '2020',
+          :cvv => '123'
+      ).save
+      @buyer = Balanced::Customer.new(
+          :name => 'John Buyer'
+      ).save
+
+      @failing_card.associate_to_customer(@buyer)
+
+      # create order
+      @order = @merchant.create_order
+    end
+
+    it 'should not show failed transactions by default' do
+      lambda {
+        @order.debit_from(
+            :amount => 600,
+            :source => @failing_card
+        )
+      }.should raise_error(Balanced::PaymentRequired)
+      lambda {
+        @order.credit_to(
+            :amount => 600,
+            :destination => @bank_account
+        )
+      }.should raise_error(Balanced::Conflict)
+
+      @order.reload
+      @order.amount.should eq 0
+      @order.amount_escrowed.should eq 0
+
+      @order.debits.to_a.should eql []
+      @order.credits.to_a.should eql []
+
+      @order.debits.where(:status => 'failed').total.should eq 1
+      @order.credits.where(:status => 'failed').total.should eq 1
+
+    end
+  end
+
+  describe 'when seller is not underwritten' do
+    before do
+      # create seller
+      @bank_account = Balanced::BankAccount.new(
+          :name => 'William Henry Cavendish III',
+          :routing_number => '321174851',
+          :account_number => '0987654321',
+          :type => 'checking'
+      ).save
+
+      @merchant = Balanced::Customer.new(
+          :name => 'Henry Ford'
+      ).save
+
+      @bank_account.associate_to_customer(@merchant)
+
+      # create buyer
+      @buyer_card = Balanced::Card.new(
+          :name => 'Darius the Great',
+          :number => '4' + '1' * 15,
+          :expiration_month => 12,
+          :expiration_year => 2016,
+          :cvv => '123',
+          :address => {
+              :line1 => '965 Mission St',
+              :line2 => 'Suite 425',
+              :city => 'San Francisco',
+              :state => 'CA',
+              :postal_code => '94103'
+          }
+      ).save
+
+      @buyer = Balanced::Customer.new(
+          :name => 'Darius the Great',
+          :email => 'darius.great@gmail.com',
+          :meta => {
+              :ip_address => '174.240.15.249'
+          }
+      ).save
+
+      @buyer_card.associate_to_customer(@buyer)
+
+      # create order
+      @order = @merchant.create_order
+      @order.debit_from(:source => @buyer_card, :amount => 1000)
+    end
+
+    it 'should allow credits to the seller' do
+      @order.credit_to(
+          :amount => 100,
+          :destination => @bank_account
+      )
+    end
+  end
+end