bitfluent-activemerchant 1.5.1.1 → 1.15.1

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

@@ -64,12 +64,17 @@ module ActiveMerchant #:nodoc:
       end
       
       # Refund funds to the card holder
-      def credit(money, identification, options = {})
+      def refund(money, identification, options = {})
         requires!(options, :description)
         
         request = build_capture_or_credit_request(money, identification, options)                                            
         commit(:credit, request)
       end
+
+      def credit(money, identification, options = {})
+        deprecated CREDIT_DEPRECATION_MESSAGE
+        refund(money, identification, options)
+      end
       
       # token based billing
       
@@ -187,7 +192,7 @@ module ActiveMerchant #:nodoc:
         response = parse( ssl_post(URL, request.to_s) )
         
         # Return a response
-        PaymentExpressResponse.new(response[:success] == APPROVED, response[:response_text], response,
+        PaymentExpressResponse.new(response[:success] == APPROVED, response[:card_holder_help_text], response,
           :test => response[:test_mode] == '1',
           :authorization => response[:dps_txn_ref]
         )

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

@@ -50,14 +50,14 @@ module ActiveMerchant #:nodoc:
               xml.tag! 'n2:ReferenceID', reference_id if transaction_type == 'DoReferenceTransaction'
               xml.tag! 'n2:PaymentAction', action
               xml.tag! 'n2:PaymentDetails' do
-                xml.tag! 'n2:OrderTotal', amount(money), 'currencyID' => currency_code
+                xml.tag! 'n2:OrderTotal', localized_amount(money, currency_code), 'currencyID' => currency_code
                 
                 # All of the values must be included together and add up to the order total
                 if [:subtotal, :shipping, :handling, :tax].all?{ |o| options.has_key?(o) }
-                  xml.tag! 'n2:ItemTotal', amount(options[:subtotal]), 'currencyID' => currency_code
-                  xml.tag! 'n2:ShippingTotal', amount(options[:shipping]),'currencyID' => currency_code
-                  xml.tag! 'n2:HandlingTotal', amount(options[:handling]),'currencyID' => currency_code
-                  xml.tag! 'n2:TaxTotal', amount(options[:tax]), 'currencyID' => currency_code
+                  xml.tag! 'n2:ItemTotal', localized_amount(options[:subtotal], currency_code), 'currencyID' => currency_code
+                  xml.tag! 'n2:ShippingTotal', localized_amount(options[:shipping], currency_code),'currencyID' => currency_code
+                  xml.tag! 'n2:HandlingTotal', localized_amount(options[:handling], currency_code),'currencyID' => currency_code
+                  xml.tag! 'n2:TaxTotal', localized_amount(options[:tax], currency_code), 'currencyID' => currency_code
                 end
                 
                 xml.tag! 'n2:NotifyURL', options[:notify_url]

data/lib/active_merchant/billing/gateways/paypal/paypal_common_api.rb

@@ -8,7 +8,7 @@ module ActiveMerchant #:nodoc:
         base.cattr_accessor :signature
       end
       
-      API_VERSION = '59.0'
+      API_VERSION = '62.0'
       
       URLS = {
         :test => { :certificate => 'https://api.sandbox.paypal.com/2.0/',
@@ -105,8 +105,13 @@ module ActiveMerchant #:nodoc:
         commit 'DoVoid', build_void_request(authorization, options)
       end
       
+      def refund(money, identification, options = {})
+        commit 'RefundTransaction', build_refund_request(money, identification, options)
+      end
+
       def credit(money, identification, options = {})
-        commit 'RefundTransaction', build_credit_request(money, identification, options)
+        deprecated Gateway::CREDIT_DEPRECATION_MESSAGE
+        refund(money, identification, options)
       end
 
       private
@@ -141,7 +146,7 @@ module ActiveMerchant #:nodoc:
         xml.target!        
       end
       
-      def build_credit_request(money, identification, options)
+      def build_refund_request(money, identification, options)
         xml = Builder::XmlMarkup.new
             
         xml.tag! 'RefundTransactionReq', 'xmlns' => PAYPAL_NAMESPACE do
@@ -197,6 +202,26 @@ module ActiveMerchant #:nodoc:
       end
 
       def parse(action, xml)
+        legacy_hash = legacy_parse(action, xml)
+        xml = strip_attributes(xml)
+        hash = Hash.from_xml(xml)
+        hash = hash.fetch('Envelope').fetch('Body').fetch("#{action}Response")
+        hash = hash["#{action}ResponseDetails"] if hash["#{action}ResponseDetails"]
+
+        legacy_hash.merge(hash)
+      rescue IndexError
+        legacy_hash.merge(hash['Envelope']['Body'])
+      end
+
+      def strip_attributes(xml)
+        xml = REXML::Document.new(xml)
+        REXML::XPath.each(xml, '//SOAP-ENV:Envelope//*[@*]') do |el|
+          el.attributes.each_attribute { |a| a.remove }
+        end
+        xml.to_s
+      end
+
+      def legacy_parse(action, xml)
         response = {}
         
         error_messages = []
@@ -225,22 +250,22 @@ module ActiveMerchant #:nodoc:
                 error_messages << message
               end
             else
-              parse_element(response, node)
+              legacy_parse_element(response, node)
             end
           end
           response[:message] = error_messages.uniq.join(". ") unless error_messages.empty?
           response[:error_codes] = error_codes.uniq.join(",") unless error_codes.empty?
         elsif root = REXML::XPath.first(xml, "//SOAP-ENV:Fault")
-          parse_element(response, root)
+          legacy_parse_element(response, root)
           response[:message] = "#{response[:faultcode]}: #{response[:faultstring]} - #{response[:detail]}"
         end
 
         response
       end
 
-      def parse_element(response, node)
+      def legacy_parse_element(response, node)
         if node.has_elements?
-          node.elements.each{|e| parse_element(response, e) }
+          node.elements.each{|e| legacy_parse_element(response, e) }
         else
           response[node.name.underscore.to_sym] = node.text
           node.attributes.each do |k, v|
@@ -323,4 +348,4 @@ module ActiveMerchant #:nodoc:
       end
     end
   end
-end
+end

data/lib/active_merchant/billing/gateways/paypal/paypal_express_response.rb

@@ -2,37 +2,48 @@ module ActiveMerchant #:nodoc:
   module Billing #:nodoc:
     class PaypalExpressResponse < Response
       def email
-        @params['payer']
+        info['Payer']
+      end
+
+      def info
+        (@params['PayerInfo']||{})
       end
       
       def name
-        [@params['first_name'], @params['middle_name'], @params['last_name']].compact.join(' ')
+        payer = (info['PayerName']||{})
+        [payer['FirstName'], payer['MiddleName'], payer['LastName']].compact.join(' ')
       end
       
       def token
-        @params['token']
+        @params['Token']
       end
       
       def payer_id
-        @params['payer_id']
+        info['PayerID']
       end
       
       def payer_country
-        @params['payer_country']
+        info['PayerCountry']
+      end
+      
+      # PayPal returns a contact telephone number only if your Merchant account profile settings require that the buyer enter one.
+      def contact_phone
+        @params['ContactPhone']
       end
       
       def address
-        {  'name'       => @params['name'],
-           'company'    => @params['payer_business'],
-           'address1'   => @params['street1'],
-           'address2'   => @params['street2'],
-           'city'       => @params['city_name'],
-           'state'      => @params['state_or_province'],
-           'country'    => @params['country'],
-           'zip'        => @params['postal_code'],
-           'phone'      => nil
+        address = (@params['PaymentDetails']||{})['ShipToAddress']
+        {  'name'       => address['Name'],
+           'company'    => info['PayerBusiness'],
+           'address1'   => address['Street1'],
+           'address2'   => address['Street2'],
+           'city'       => address['CityName'],
+           'state'      => address['StateOrProvince'],
+           'country'    => address['Country'],
+           'zip'        => address['PostalCode'],
+           'phone'      => (contact_phone || address['Phone'])
         }
       end
     end
   end
-end
+end

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

@@ -4,7 +4,7 @@ module ActiveMerchant #:nodoc:
   module Billing #:nodoc:
     # The PayPal gateway for PayPal Website Payments Pro Canada only supports Visa and MasterCard
     class PaypalCaGateway < PaypalGateway
-      self.supported_cardtypes = [:visa, :master, :american_express]
+      self.supported_cardtypes = [:visa, :master]
       self.supported_countries = ['CA']
       self.homepage_url = 'https://www.paypal.com/cgi-bin/webscr?cmd=_wp-pro-overview-outside'
       self.display_name = 'PayPal Website Payments Pro (CA)'

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

@@ -8,7 +8,7 @@ module ActiveMerchant #:nodoc:
       include PaypalCommonAPI
       include PaypalExpressCommon
       
-      self.test_redirect_url = 'https://www.sandbox.paypal.com/cgi-bin/webscr?cmd=_express-checkout&token='
+      self.test_redirect_url = 'https://www.sandbox.paypal.com/cgi-bin/webscr'
       self.supported_countries = ['US']
       self.homepage_url = 'https://www.paypal.com/cgi-bin/webscr?cmd=xpt/merchant/ExpressCheckoutIntro-outside'
       self.display_name = 'PayPal Express Checkout'
@@ -66,18 +66,20 @@ module ActiveMerchant #:nodoc:
               xml.tag! 'n2:Token', options[:token]
               xml.tag! 'n2:PayerID', options[:payer_id]
               xml.tag! 'n2:PaymentDetails' do
-                xml.tag! 'n2:OrderTotal', amount(money), 'currencyID' => currency_code
+                xml.tag! 'n2:OrderTotal', localized_amount(money, currency_code), 'currencyID' => currency_code
                 
                 # All of the values must be included together and add up to the order total
                 if [:subtotal, :shipping, :handling, :tax].all?{ |o| options.has_key?(o) }
-                  xml.tag! 'n2:ItemTotal', amount(options[:subtotal]), 'currencyID' => currency_code
-                  xml.tag! 'n2:ShippingTotal', amount(options[:shipping]),'currencyID' => currency_code
-                  xml.tag! 'n2:HandlingTotal', amount(options[:handling]),'currencyID' => currency_code
-                  xml.tag! 'n2:TaxTotal', amount(options[:tax]), 'currencyID' => currency_code
+                  xml.tag! 'n2:ItemTotal', localized_amount(options[:subtotal], currency_code), 'currencyID' => currency_code
+                  xml.tag! 'n2:ShippingTotal', localized_amount(options[:shipping], currency_code),'currencyID' => currency_code
+                  xml.tag! 'n2:HandlingTotal', localized_amount(options[:handling], currency_code),'currencyID' => currency_code
+                  xml.tag! 'n2:TaxTotal', localized_amount(options[:tax], currency_code), 'currencyID' => currency_code
                 end
                 
                 xml.tag! 'n2:NotifyURL', options[:notify_url]
                 xml.tag! 'n2:ButtonSource', application_id.to_s.slice(0,32) unless application_id.blank?
+                xml.tag! 'n2:InvoiceID', options[:order_id]
+                xml.tag! 'n2:OrderDescription', options[:description]
               end
             end
           end
@@ -87,29 +89,69 @@ module ActiveMerchant #:nodoc:
       end
 
       def build_setup_request(action, money, options)
+        currency_code = options[:currency] || currency(money)
+        
         xml = Builder::XmlMarkup.new :indent => 2
         xml.tag! 'SetExpressCheckoutReq', 'xmlns' => PAYPAL_NAMESPACE do
           xml.tag! 'SetExpressCheckoutRequest', 'xmlns:n2' => EBAY_NAMESPACE do
             xml.tag! 'n2:Version', API_VERSION
             xml.tag! 'n2:SetExpressCheckoutRequestDetails' do
-              xml.tag! 'n2:PaymentAction', action
-              xml.tag! 'n2:OrderTotal', amount(money).to_f.zero? ? amount(100) : amount(money), 'currencyID' => options[:currency] || currency(money)
               if options[:max_amount]
-                xml.tag! 'n2:MaxAmount', amount(options[:max_amount]), 'currencyID' => options[:currency] || currency(options[:max_amount])
+                xml.tag! 'n2:MaxAmount', localized_amount(options[:max_amount], currency_code), 'currencyID' => currency_code
+              end
+              if !options[:allow_note].nil?
+                xml.tag! 'n2:AllowNote', options[:allow_note] ? '1' : '0'
+              end
+              xml.tag! 'n2:PaymentDetails' do
+                xml.tag! 'n2:OrderTotal', amount(money).to_f.zero? ? localized_amount(100, currency_code) : localized_amount(money, currency_code), 'currencyID' => currency_code
+                # All of the values must be included together and add up to the order total
+                if [:subtotal, :shipping, :handling, :tax].all? { |o| options.has_key?(o) }
+                  xml.tag! 'n2:ItemTotal', localized_amount(options[:subtotal], currency_code), 'currencyID' => currency_code
+                  xml.tag! 'n2:ShippingTotal', localized_amount(options[:shipping], currency_code), 'currencyID' => currency_code
+                  xml.tag! 'n2:HandlingTotal', localized_amount(options[:handling], currency_code), 'currencyID' => currency_code
+                  xml.tag! 'n2:TaxTotal', localized_amount(options[:tax], currency_code), 'currencyID' => currency_code
+                end
+
+                xml.tag! 'n2:OrderDescription', options[:description]
+                xml.tag! 'n2:InvoiceID', options[:order_id]
+
+                if options[:items]
+                  options[:items].each do |item|
+                    xml.tag! 'n2:PaymentDetailsItem' do
+                      xml.tag! 'n2:Name', item[:name]
+                      xml.tag! 'n2:Number', item[:number]
+                      xml.tag! 'n2:Quantity', item[:quantity]
+                      if item[:amount]
+                        xml.tag! 'n2:Amount', localized_amount(item[:amount], currency_code), 'currencyID' => currency_code
+                      end
+                      xml.tag! 'n2:Description', item[:description]
+                      xml.tag! 'n2:ItemURL', item[:url]
+                    end
+                  end
+                end
+
+                xml.tag! 'n2:PaymentAction', action
               end
+
               add_address(xml, 'n2:Address', options[:shipping_address] || options[:address])
               xml.tag! 'n2:AddressOverride', options[:address_override] ? '1' : '0'
               xml.tag! 'n2:NoShipping', options[:no_shipping] ? '1' : '0'
               xml.tag! 'n2:ReturnURL', options[:return_url]
               xml.tag! 'n2:CancelURL', options[:cancel_return_url]
-              xml.tag! 'n2:IPAddress', options[:ip]
-              xml.tag! 'n2:OrderDescription', options[:description]
+              xml.tag! 'n2:IPAddress', options[:ip] unless options[:ip].blank?
               xml.tag! 'n2:BuyerEmail', options[:email] unless options[:email].blank?
-              xml.tag! 'n2:InvoiceID', options[:order_id]
+              
+              if options[:billing_agreement]
+                xml.tag! 'n2:BillingAgreementDetails' do
+                  xml.tag! 'n2:BillingType', options[:billing_agreement][:type]
+                  xml.tag! 'n2:BillingAgreementDescription', options[:billing_agreement][:description]
+                  xml.tag! 'n2:PaymentType', options[:billing_agreement][:payment_type] || 'InstantOnly'
+                end
+              end
         
               # Customization of the payment page
               xml.tag! 'n2:PageStyle', options[:page_style] unless options[:page_style].blank?
-              xml.tag! 'n2:cpp-image-header', options[:header_image] unless options[:header_image].blank?
+              xml.tag! 'n2:cpp-header-image', options[:header_image] unless options[:header_image].blank?
               xml.tag! 'n2:cpp-header-back-color', options[:header_background_color] unless options[:header_background_color].blank?
               xml.tag! 'n2:cpp-header-border-color', options[:header_border_color] unless options[:header_border_color].blank?
               xml.tag! 'n2:cpp-payflow-color', options[:background_color] unless options[:background_color].blank?

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

@@ -4,7 +4,7 @@ module ActiveMerchant
       def self.included(base)
         base.cattr_accessor :test_redirect_url
         base.cattr_accessor :live_redirect_url
-        base.live_redirect_url = 'https://www.paypal.com/cgibin/webscr?cmd=_express-checkout&token='
+        base.live_redirect_url = 'https://www.paypal.com/cgibin/webscr'
       end
       
       def redirect_url
@@ -12,8 +12,13 @@ module ActiveMerchant
       end
       
       def redirect_url_for(token, options = {})
-        options = {:review => true}.update(options)
-        options[:review] ? "#{redirect_url}#{token}" : "#{redirect_url}#{token}&useraction=commit"
+        options = {:review => true, :mobile => false}.update(options)
+
+        cmd  = options[:mobile] ? '_express-checkout-mobile' : '_express-checkout'
+        url  = "#{redirect_url}?cmd=#{cmd}&token=#{token}"
+        url += '&useraction=commit' unless options[:review]
+
+        url
       end
     end
   end

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

@@ -156,9 +156,8 @@ module ActiveMerchant
         add_amount(post, money, options)
        
         if identification_or_creditcard.is_a?(String)
-          post[:orderID] = identification_or_creditcard
-          
-          commit(:refund, post)
+          deprecated CREDIT_DEPRECATION_MESSAGE
+          refund(money, identification_or_creditcard, options)
         else
           add_creditcard(post, identification_or_creditcard)        
           add_addresses(post, options)   
@@ -167,6 +166,13 @@ module ActiveMerchant
           commit(:credit, post)
         end
       end
+
+      def refund(money, reference, options = {})
+        post = PlugnpayPostData.new
+        add_amount(post, money, options)
+        post[:orderID] = reference
+        commit(:refund, post)
+      end
       
       private                                 
       def commit(action, post)

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

@@ -79,6 +79,11 @@ module ActiveMerchant #:nodoc:
 
       # Psigate Credit
       def credit(money, authorization, options = {})
+        deprecated CREDIT_DEPRECATION_MESSAGE
+        refund(money, authorization, options)
+      end
+
+      def refund(money, authorization, options = {})
         options.update({ :CardAction => "3", :order_id => authorization })
         commit(money, nil, options)
       end

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

@@ -0,0 +1,295 @@
+require 'securerandom'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class QbmsGateway < Gateway
+      API_VERSION = '4.0'
+
+      class_attribute :test_url, :live_url
+
+      self.test_url = "https://webmerchantaccount.ptc.quickbooks.com/j/AppGateway"
+      self.live_url = "https://webmerchantaccount.quickbooks.com/j/AppGateway"
+
+      self.homepage_url = 'http://payments.intuit.com/'
+      self.display_name = 'QuickBooks Merchant Services'
+      self.default_currency = 'USD'
+      self.supported_cardtypes = [ :visa, :master, :discover, :american_express, :diners_club, :jcb ]
+      self.supported_countries = [ 'US' ]
+
+      TYPES = {
+        :authorize => 'CustomerCreditCardAuth',
+        :capture   => 'CustomerCreditCardCapture',
+        :purchase  => 'CustomerCreditCardCharge',
+        :refund    => 'CustomerCreditCardTxnVoidOrRefund',
+        :void      => 'CustomerCreditCardTxnVoid',
+        :query     => 'MerchantAccountQuery',
+      }
+
+      # Creates a new QbmsGateway
+      #
+      # The gateway requires that a valid app id, app login, and ticket be passed
+      # in the +options+ hash.
+      #
+      # ==== Options
+      #
+      # * <tt>:login</tt> -- The App Login (REQUIRED)
+      # * <tt>:ticket</tt> -- The Connection Ticket. (REQUIRED)
+      # * <tt>:pem</tt> -- The PEM-encoded SSL client key and certificate. (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 = {})
+        requires!(options, :login, :ticket)
+        test_mode = options[:test] || false
+        @options = options
+        super
+      end
+
+      # Performs an authorization, which reserves the funds on the customer's credit card, but does not
+      # charge the card.
+      #
+      # ==== Parameters
+      #
+      # * <tt>money</tt> -- The amount to be authorized as an Integer value in cents.
+      # * <tt>creditcard</tt> -- The CreditCard details for the transaction.
+      # * <tt>options</tt> -- A hash of optional parameters.
+      #
+      def authorize(money, creditcard, options = {})
+        commit(:authorize, money, options.merge(:credit_card => creditcard))
+      end
+
+      # Perform a purchase, which is essentially an authorization and capture in a single operation.
+      #
+      # ==== Parameters
+      #
+      # * <tt>money</tt> -- The amount to be purchased as an Integer value in cents.
+      # * <tt>creditcard</tt> -- The CreditCard details for the transaction.
+      # * <tt>options</tt> -- A hash of optional parameters.
+      #
+      def purchase(money, creditcard, options = {})
+        commit(:purchase, money, options.merge(:credit_card => creditcard))
+      end
+
+      # Captures the funds from an authorized transaction.
+      #
+      # ==== Parameters
+      #
+      # * <tt>money</tt> -- The amount to be captured as an Integer value in cents.
+      # * <tt>authorization</tt> -- The authorization returned from the previous authorize request.
+      #
+      def capture(money, authorization, options = {})
+        commit(:capture, money, options.merge(:transaction_id => authorization))
+      end
+
+      # Void a previous transaction
+      #
+      # ==== Parameters
+      #
+      # * <tt>authorization</tt> - The authorization returned from the previous authorize request.
+      #
+      def void(authorization, options = {})
+        commit(:void, nil, options.merge(:transaction_id => authorization))
+      end
+
+      # Credit an account.
+      #
+      # This transaction is also referred to as a Refund and indicates to the gateway that
+      # money should flow from the merchant to the customer.
+      #
+      # ==== Parameters
+      #
+      # * <tt>money</tt> -- The amount to be credited to the customer as an Integer value in cents.
+      # * <tt>identification</tt> -- The ID of the original transaction against which the credit is being issued.
+      # * <tt>options</tt> -- A hash of parameters.
+      #
+      #
+      def credit(money, identification, options = {})
+        deprecated CREDIT_DEPRECATION_MESSAGE
+        refund(money, identification, options = {})
+      end
+
+      def refund(money, identification, options = {})
+        commit(:refund, money, options.merge(:transaction_id => identification))
+      end
+
+      # Query the merchant account status
+      def query
+        commit(:query, nil, {})
+      end
+
+      private
+      
+      def hosted?
+        @options[:pem]
+      end
+
+      def commit(action, money, parameters)
+        url = test? ? self.test_url : self.live_url
+
+        type = TYPES[action]
+        parameters[:trans_request_id] ||= SecureRandom.hex(10)
+
+        req = build_request(type, money, parameters)
+        data = ssl_post(url, req, "Content-Type" => "application/x-qbmsxml")
+        response = parse(type, data)
+        message = (response[:status_message] || '').strip
+
+        Response.new(success?(response), message, response,
+          :test          => test?,
+          :authorization => response[:credit_card_trans_id],
+          :fraud_review  => fraud_review?(response),
+          :avs_result    => { :code => avs_result(response) },
+          :cvv_result    => cvv_result(response)
+        )
+      end
+
+      def success?(response)
+        response[:status_code] == 0
+      end
+
+      def fraud_review?(response)
+        [10100, 10101].member? response[:status_code]
+      end
+
+      def parse(type, body)
+        xml = REXML::Document.new(body)
+
+        signon = REXML::XPath.first(xml, "//SignonMsgsRs/#{hosted? ? 'SignonAppCertRs' : 'SignonDesktopRs'}")
+        status_code = signon.attributes["statusCode"].to_i
+
+        if status_code != 0
+          return {
+            :status_code    => status_code,
+            :status_message => signon.attributes["statusMessage"],
+          }
+        end
+
+        response = REXML::XPath.first(xml, "//QBMSXMLMsgsRs/#{type}Rs")
+
+        results = {
+          :status_code    => response.attributes["statusCode"].to_i,
+          :status_message => response.attributes["statusMessage"],
+        }
+
+        response.elements.each do |e|
+          name  = e.name.underscore.to_sym
+          value = e.text()
+
+          if old_value = results[name]
+            results[name] = [old_value] if !old_value.kind_of?(Array)
+            results[name] << value
+          else
+            results[name] = value
+          end
+        end
+
+        results
+      end
+
+      def build_request(type, money, parameters = {})
+        xml = Builder::XmlMarkup.new(:indent => 0)
+
+        xml.instruct!(:xml, :version => '1.0', :encoding => 'utf-8')
+        xml.instruct!(:qbmsxml, :version => API_VERSION)
+
+        xml.tag!("QBMSXML") do
+          xml.tag!("SignonMsgsRq") do
+            xml.tag!(hosted? ? "SignonAppCertRq" : "SignonDesktopRq") do
+              xml.tag!("ClientDateTime", Time.now.xmlschema)
+              xml.tag!("ApplicationLogin", @options[:login])
+              xml.tag!("ConnectionTicket", @options[:ticket])
+            end
+          end
+
+          xml.tag!("QBMSXMLMsgsRq") do
+            xml.tag!("#{type}Rq") do
+              method("build_#{type}").call(xml, money, parameters)
+            end
+          end
+        end
+
+        xml.target!
+      end
+
+      def build_CustomerCreditCardAuth(xml, money, parameters)
+        cc = parameters[:credit_card]
+        name = "#{cc.first_name} #{cc.last_name}"[0...30]
+
+        xml.tag!("TransRequestID", parameters[:trans_request_id])
+        xml.tag!("CreditCardNumber", cc.number)
+        xml.tag!("ExpirationMonth", cc.month)
+        xml.tag!("ExpirationYear", cc.year)
+        xml.tag!("IsECommerce", "true")
+        xml.tag!("Amount", amount(money))
+        xml.tag!("NameOnCard", name)
+        add_address(xml, parameters)
+        xml.tag!("CardSecurityCode", cc.verification_value) if cc.verification_value?
+      end
+
+      def build_CustomerCreditCardCapture(xml, money, parameters)
+        xml.tag!("TransRequestID", parameters[:trans_request_id])
+        xml.tag!("CreditCardTransID", parameters[:transaction_id])
+        xml.tag!("Amount", amount(money))
+      end
+
+      def build_CustomerCreditCardCharge(xml, money, parameters)
+        cc = parameters[:credit_card]
+        name = "#{cc.first_name} #{cc.last_name}"[0...30]
+
+        xml.tag!("TransRequestID", parameters[:trans_request_id])
+        xml.tag!("CreditCardNumber", cc.number)
+        xml.tag!("ExpirationMonth", cc.month)
+        xml.tag!("ExpirationYear", cc.year)
+        xml.tag!("IsECommerce", "true")
+        xml.tag!("Amount", amount(money))
+        xml.tag!("NameOnCard", name)
+        add_address(xml, parameters)
+        xml.tag!("CardSecurityCode", cc.verification_value) if cc.verification_value?
+      end
+
+      def build_CustomerCreditCardTxnVoidOrRefund(xml, money, parameters)
+        xml.tag!("TransRequestID", parameters[:trans_request_id])
+        xml.tag!("CreditCardTransID", parameters[:transaction_id])
+        xml.tag!("Amount", amount(money))
+      end
+
+      def build_CustomerCreditCardTxnVoid(xml, money, parameters)
+        xml.tag!("TransRequestID", parameters[:trans_request_id])
+        xml.tag!("CreditCardTransID", parameters[:transaction_id])
+      end
+
+      # Called reflectively by build_request
+      def build_MerchantAccountQuery(xml, money, parameters)
+      end
+
+      def add_address(xml, parameters)
+        if address = parameters[:billing_address] || parameters[:address]
+          xml.tag!("CreditCardAddress", address[:address1][0...30])
+          xml.tag!("CreditCardPostalCode", address[:zip][0...9])
+        end
+      end
+
+      def cvv_result(response)
+        case response[:card_security_code_match]
+        when "Pass"         then 'M'
+        when "Fail"         then 'N'
+        when "NotAvailable" then 'P'
+        end
+      end
+
+      def avs_result(response)
+        case "#{response[:avs_street]}|#{response[:avs_zip]}"
+        when "Pass|Pass"                 then "D"
+        when "Pass|Fail"                 then "A"
+        when "Pass|NotAvailable"         then "B"
+        when "Fail|Pass"                 then "Z"
+        when "Fail|Fail"                 then "C"
+        when "Fail|NotAvailable"         then "N"
+        when "NotAvailable|Pass"         then "P"
+        when "NotAvailable|Fail"         then "N"
+        when "NotAvailable|NotAvailable" then "U"
+        end
+      end
+    end
+  end
+end