braintree 2.84.0 → 2.85.0

data/spec/integration/braintree/payment_method_spec.rb

@@ -483,41 +483,6 @@ describe Braintree::PaymentMethod do
       found_credit_card.billing_address.street_address.should == "456 Xyz Way"
     end
 
-    context "us bank account" do
-      it "creates a payment method from a us bank account nonce" do
-        customer = Braintree::Customer.create.customer
-        result = Braintree::PaymentMethod.create(
-          :payment_method_nonce => generate_valid_us_bank_account_nonce,
-          :customer_id => customer.id
-        )
-
-        result.should be_success
-        us_bank_account = result.payment_method
-        us_bank_account.should be_a(Braintree::UsBankAccount)
-        us_bank_account.routing_number.should == "021000021"
-        us_bank_account.last_4.should == "1234"
-        us_bank_account.account_type.should == "checking"
-        us_bank_account.account_holder_name.should == "Dan Schulman"
-        us_bank_account.bank_name.should =~ /CHASE/
-        us_bank_account.default.should == true
-        us_bank_account.ach_mandate.text.should == "cl mandate text"
-        us_bank_account.ach_mandate.accepted_at.should be_a Time
-
-        Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
-      end
-
-      it "does not creates a payment method from an invalid us bank account nonce" do
-        customer = Braintree::Customer.create.customer
-        result = Braintree::PaymentMethod.create(
-          :payment_method_nonce => generate_invalid_us_bank_account_nonce,
-          :customer_id => customer.id
-        )
-
-        result.should_not be_success
-        result.errors.for(:payment_method).on(:payment_method_nonce)[0].code.should == Braintree::ErrorCodes::PaymentMethod::PaymentMethodNonceUnknown
-      end
-    end
-
     context "paypal" do
       it "creates a payment method from an unvalidated future paypal account nonce" do
         nonce = nonce_for_paypal_account(:consent_code => "PAYPAL_CONSENT_CODE")

data/spec/integration/braintree/payment_method_us_bank_account_spec.rb

@@ -0,0 +1,412 @@
+require File.expand_path(File.dirname(__FILE__) + "/../spec_helper")
+require File.expand_path(File.dirname(__FILE__) + "/client_api/spec_helper")
+
+describe Braintree::PaymentMethod do
+  describe "self.create" do
+    context "compliant merchant" do
+      before do
+        Braintree::Configuration.merchant_id = "integration2_merchant_id"
+        Braintree::Configuration.public_key = "integration2_public_key"
+        Braintree::Configuration.private_key = "integration2_private_key"
+      end
+
+      context "plaid verified nonce" do
+        let(:nonce) { generate_valid_plaid_us_bank_account_nonce }
+
+        it "succeeds" do
+          customer = Braintree::Customer.create.customer
+          result = Braintree::PaymentMethod.create(
+            :payment_method_nonce => nonce,
+            :customer_id => customer.id,
+            :options => {
+              :verification_merchant_account_id => SpecHelper::AnotherUsBankMerchantAccountId,
+            }
+          )
+
+          result.should be_success
+          us_bank_account = result.payment_method
+          us_bank_account.should be_a(Braintree::UsBankAccount)
+          us_bank_account.routing_number.should == "011000015"
+          us_bank_account.last_4.should == "0000"
+          us_bank_account.account_type.should == "checking"
+          us_bank_account.account_holder_name.should == "PayPal, Inc."
+          us_bank_account.bank_name.should == "FEDERAL RESERVE BANK"
+          us_bank_account.default.should == true
+          us_bank_account.ach_mandate.text.should == "cl mandate text"
+          us_bank_account.ach_mandate.accepted_at.should be_a Time
+
+          us_bank_account.verifications.count.should == 1
+          us_bank_account.verifications.first.status.should == Braintree::UsBankAccountVerification::Status::Verified
+          us_bank_account.verifications.first.verification_method.should == Braintree::UsBankAccountVerification::VerificationMethod::TokenizedCheck
+          us_bank_account.verifications.first.id.should_not be_empty
+          us_bank_account.verifications.first.verification_determined_at.should be_a Time
+          us_bank_account.verified.should == true
+
+          Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
+        end
+
+        [
+          Braintree::UsBankAccountVerification::VerificationMethod::IndependentCheck,
+          Braintree::UsBankAccountVerification::VerificationMethod::NetworkCheck,
+        ].each do |method|
+          it "succeeds and verifies via #{method}" do
+            customer = Braintree::Customer.create.customer
+            result = Braintree::PaymentMethod.create(
+              :payment_method_nonce => nonce,
+              :customer_id => customer.id,
+              :options => {
+                :us_bank_account_verification_method => method,
+                :verification_merchant_account_id => SpecHelper::AnotherUsBankMerchantAccountId,
+              }
+            )
+
+            result.should be_success
+            us_bank_account = result.payment_method
+            us_bank_account.should be_a(Braintree::UsBankAccount)
+            us_bank_account.routing_number.should == "011000015"
+            us_bank_account.last_4.should == "0000"
+            us_bank_account.account_type.should == "checking"
+            us_bank_account.account_holder_name.should == "PayPal, Inc."
+            us_bank_account.bank_name.should == "FEDERAL RESERVE BANK"
+            us_bank_account.default.should == true
+            us_bank_account.ach_mandate.text.should == "cl mandate text"
+            us_bank_account.ach_mandate.accepted_at.should be_a Time
+            us_bank_account.verified.should == true
+
+            us_bank_account.verifications.count.should == 2
+
+            us_bank_account.verifications.map(&:verification_method).should contain_exactly(
+              Braintree::UsBankAccountVerification::VerificationMethod::TokenizedCheck,
+              method,
+            )
+
+            us_bank_account.verifications.each do |verification|
+              verification.status.should == Braintree::UsBankAccountVerification::Status::Verified
+              verification.id.should_not be_empty
+              verification.verification_determined_at.should be_a Time
+            end
+
+            Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
+          end
+        end
+      end
+
+      context "non plaid verified nonce" do
+        let(:nonce) { generate_non_plaid_us_bank_account_nonce }
+
+        it "succeeds and does not verify when no method provided" do
+          customer = Braintree::Customer.create.customer
+          result = Braintree::PaymentMethod.create(
+            :payment_method_nonce => nonce,
+            :customer_id => customer.id,
+            :options => {
+              :verification_merchant_account_id => SpecHelper::AnotherUsBankMerchantAccountId,
+            }
+          )
+
+          result.should be_success
+          us_bank_account = result.payment_method
+          us_bank_account.should be_a(Braintree::UsBankAccount)
+          us_bank_account.routing_number.should == "021000021"
+          us_bank_account.last_4.should == "0000"
+          us_bank_account.account_type.should == "checking"
+          us_bank_account.account_holder_name.should == "John Doe"
+          us_bank_account.bank_name.should =~ /CHASE/
+          us_bank_account.default.should == true
+          us_bank_account.ach_mandate.text.should == "cl mandate text"
+          us_bank_account.ach_mandate.accepted_at.should be_a Time
+
+          us_bank_account.verifications.count.should == 0
+          us_bank_account.verified.should == false
+
+          Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
+        end
+
+        [
+          Braintree::UsBankAccountVerification::VerificationMethod::IndependentCheck,
+          Braintree::UsBankAccountVerification::VerificationMethod::NetworkCheck,
+        ].each do |method|
+          it "succeeds and verifies via #{method}" do
+            customer = Braintree::Customer.create.customer
+            result = Braintree::PaymentMethod.create(
+              :payment_method_nonce => nonce,
+              :customer_id => customer.id,
+              :options => {
+                :us_bank_account_verification_method => method,
+                :verification_merchant_account_id => SpecHelper::AnotherUsBankMerchantAccountId,
+              }
+            )
+
+            result.should be_success
+            us_bank_account = result.payment_method
+            us_bank_account.should be_a(Braintree::UsBankAccount)
+            us_bank_account.routing_number.should == "021000021"
+            us_bank_account.last_4.should == "0000"
+            us_bank_account.account_type.should == "checking"
+            us_bank_account.account_holder_name.should == "John Doe"
+            us_bank_account.bank_name.should =~ /CHASE/
+            us_bank_account.default.should == true
+            us_bank_account.ach_mandate.text.should == "cl mandate text"
+            us_bank_account.ach_mandate.accepted_at.should be_a Time
+
+            us_bank_account.verifications.count.should == 1
+            us_bank_account.verifications.first.status.should == Braintree::UsBankAccountVerification::Status::Verified
+            us_bank_account.verifications.first.verification_method.should == method
+            us_bank_account.verifications.first.id.should_not be_empty
+            us_bank_account.verifications.first.verification_determined_at.should be_a Time
+            us_bank_account.verified.should == true
+
+            Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
+          end
+        end
+      end
+
+      it "fails with invalid nonce" do
+        customer = Braintree::Customer.create.customer
+        result = Braintree::PaymentMethod.create(
+          :payment_method_nonce => generate_invalid_us_bank_account_nonce,
+          :customer_id => customer.id
+        )
+
+        result.should_not be_success
+        result.errors.for(:payment_method).on(:payment_method_nonce)[0].code.should == Braintree::ErrorCodes::PaymentMethod::PaymentMethodNonceUnknown
+      end
+    end
+
+    context "exempt merchant" do
+      context "plaid verified nonce" do
+        before do
+          Braintree::Configuration.merchant_id = "integration_merchant_id"
+          Braintree::Configuration.public_key = "integration_public_key"
+          Braintree::Configuration.private_key = "integration_private_key"
+        end
+
+        let(:nonce) { generate_valid_plaid_us_bank_account_nonce }
+
+        it "succeeds and verifies via independent check" do
+          customer = Braintree::Customer.create.customer
+          result = Braintree::PaymentMethod.create(
+            :payment_method_nonce => nonce,
+            :customer_id => customer.id,
+            :options => {
+              :verification_merchant_account_id => SpecHelper::UsBankMerchantAccountId,
+            }
+          )
+
+          result.should be_success
+          us_bank_account = result.payment_method
+          us_bank_account.should be_a(Braintree::UsBankAccount)
+          us_bank_account.routing_number.should == "011000015"
+          us_bank_account.last_4.should == "0000"
+          us_bank_account.account_type.should == "checking"
+          us_bank_account.account_holder_name.should == "PayPal, Inc."
+          us_bank_account.bank_name.should == "FEDERAL RESERVE BANK"
+          us_bank_account.default.should == true
+          us_bank_account.ach_mandate.text.should == "cl mandate text"
+          us_bank_account.ach_mandate.accepted_at.should be_a Time
+
+          us_bank_account.verifications.count.should == 1
+          us_bank_account.verifications.first.status.should == Braintree::UsBankAccountVerification::Status::Verified
+          us_bank_account.verifications.first.verification_method.should == Braintree::UsBankAccountVerification::VerificationMethod::TokenizedCheck
+          us_bank_account.verifications.first.id.should_not be_empty
+          us_bank_account.verifications.first.verification_determined_at.should be_a Time
+          us_bank_account.verified.should == true
+
+          Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
+        end
+      end
+
+      context "non plaid verified nonce" do
+        let(:nonce) { generate_non_plaid_us_bank_account_nonce }
+
+        it "succeeds and verifies via independent check" do
+          customer = Braintree::Customer.create.customer
+          result = Braintree::PaymentMethod.create(
+            :payment_method_nonce => nonce,
+            :customer_id => customer.id,
+            :options => {
+              :verification_merchant_account_id => SpecHelper::UsBankMerchantAccountId,
+            }
+          )
+
+          result.should be_success
+          us_bank_account = result.payment_method
+          us_bank_account.should be_a(Braintree::UsBankAccount)
+          us_bank_account.routing_number.should == "021000021"
+          us_bank_account.last_4.should == "0000"
+          us_bank_account.account_type.should == "checking"
+          us_bank_account.account_holder_name.should == "John Doe"
+          us_bank_account.bank_name.should =~ /CHASE/
+          us_bank_account.default.should == true
+          us_bank_account.ach_mandate.text.should == "cl mandate text"
+          us_bank_account.ach_mandate.accepted_at.should be_a Time
+
+          us_bank_account.verifications.count.should == 1
+          us_bank_account.verifications.first.status.should == Braintree::UsBankAccountVerification::Status::Verified
+          us_bank_account.verifications.first.verification_method.should == Braintree::UsBankAccountVerification::VerificationMethod::IndependentCheck
+          us_bank_account.verifications.first.id.should_not be_empty
+          us_bank_account.verifications.first.verification_determined_at.should be_a Time
+          us_bank_account.verified.should == true
+
+          Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
+        end
+      end
+
+      it "fails with invalid nonce" do
+        customer = Braintree::Customer.create.customer
+        result = Braintree::PaymentMethod.create(
+          :payment_method_nonce => generate_invalid_us_bank_account_nonce,
+          :customer_id => customer.id
+        )
+
+        result.should_not be_success
+        result.errors.for(:payment_method).on(:payment_method_nonce)[0].code.should == Braintree::ErrorCodes::PaymentMethod::PaymentMethodNonceUnknown
+      end
+    end
+  end
+
+  context "self.update" do
+    context "compliant merchant" do
+      before do
+        Braintree::Configuration.merchant_id = "integration2_merchant_id"
+        Braintree::Configuration.public_key = "integration2_public_key"
+        Braintree::Configuration.private_key = "integration2_private_key"
+      end
+
+      context "unverified token" do
+        let(:payment_method) do
+          customer = Braintree::Customer.create.customer
+          result = Braintree::PaymentMethod.create(
+            :payment_method_nonce => generate_non_plaid_us_bank_account_nonce,
+            :customer_id => customer.id,
+            :options => {
+              :verification_merchant_account_id => SpecHelper::AnotherUsBankMerchantAccountId,
+            },
+          ).payment_method
+        end
+
+        [
+          Braintree::UsBankAccountVerification::VerificationMethod::IndependentCheck,
+          Braintree::UsBankAccountVerification::VerificationMethod::NetworkCheck,
+        ].each do |method|
+          it "succeeds and verifies via #{method}" do
+            result = Braintree::PaymentMethod.update(
+              payment_method.token,
+              :options => {
+                :verification_merchant_account_id => SpecHelper::AnotherUsBankMerchantAccountId,
+                :us_bank_account_verification_method => method,
+              },
+            )
+
+            result.should be_success
+
+            us_bank_account = result.payment_method
+            us_bank_account.should be_a(Braintree::UsBankAccount)
+            us_bank_account.routing_number.should == "021000021"
+            us_bank_account.last_4.should == "0000"
+            us_bank_account.account_type.should == "checking"
+            us_bank_account.account_holder_name.should == "John Doe"
+            us_bank_account.bank_name.should =~ /CHASE/
+            us_bank_account.default.should == true
+            us_bank_account.ach_mandate.text.should == "cl mandate text"
+            us_bank_account.ach_mandate.accepted_at.should be_a Time
+
+            us_bank_account.verifications.count.should == 1
+            us_bank_account.verifications.first.status.should == Braintree::UsBankAccountVerification::Status::Verified
+            us_bank_account.verifications.first.verification_method.should == method
+            us_bank_account.verifications.first.id.should_not be_empty
+            us_bank_account.verifications.first.verification_determined_at.should be_a Time
+            us_bank_account.verified.should == true
+
+            Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
+          end
+        end
+
+        it "fails with invalid verification method" do
+          result = Braintree::PaymentMethod.update(
+            payment_method.token,
+            :options => {
+              :verification_merchant_account_id => SpecHelper::AnotherUsBankMerchantAccountId,
+              :us_bank_account_verification_method => "blahblah",
+            },
+          )
+
+          result.should_not be_success
+          result.errors.for(:options).first.code.should == Braintree::ErrorCodes::PaymentMethod::Options::UsBankAccountVerificationMethodIsInvalid
+        end
+      end
+    end
+
+    context "exempt merchant" do
+      before do
+        Braintree::Configuration.merchant_id = "integration_merchant_id"
+        Braintree::Configuration.public_key = "integration_public_key"
+        Braintree::Configuration.private_key = "integration_private_key"
+      end
+
+      context "unverified token" do
+        let(:payment_method) do
+          customer = Braintree::Customer.create.customer
+          result = Braintree::PaymentMethod.create(
+            :payment_method_nonce => generate_non_plaid_us_bank_account_nonce,
+            :customer_id => customer.id,
+            :options => {
+              :verification_merchant_account_id => SpecHelper::UsBankMerchantAccountId,
+            }
+          ).payment_method
+        end
+
+        [
+          Braintree::UsBankAccountVerification::VerificationMethod::IndependentCheck,
+          Braintree::UsBankAccountVerification::VerificationMethod::NetworkCheck,
+        ].each do |method|
+          it "succeeds and verifies via #{method}" do
+            result = Braintree::PaymentMethod.update(
+              payment_method.token,
+              :options => {
+                :verification_merchant_account_id => SpecHelper::UsBankMerchantAccountId,
+                :us_bank_account_verification_method => method,
+              },
+            )
+
+            result.should be_success
+
+            us_bank_account = result.payment_method
+            us_bank_account.should be_a(Braintree::UsBankAccount)
+            us_bank_account.routing_number.should == "021000021"
+            us_bank_account.last_4.should == "0000"
+            us_bank_account.account_type.should == "checking"
+            us_bank_account.account_holder_name.should == "John Doe"
+            us_bank_account.bank_name.should =~ /CHASE/
+            us_bank_account.default.should == true
+            us_bank_account.ach_mandate.text.should == "cl mandate text"
+            us_bank_account.ach_mandate.accepted_at.should be_a Time
+
+            us_bank_account.verifications.count.should == 2
+            verification = us_bank_account.verifications.find do |verification|
+              verification.verification_method == method
+            end
+            verification.status.should == Braintree::UsBankAccountVerification::Status::Verified
+            verification.id.should_not be_empty
+            verification.verification_determined_at.should be_a Time
+            us_bank_account.verified.should == true
+
+            Braintree::PaymentMethod.find(us_bank_account.token).should be_a(Braintree::UsBankAccount)
+          end
+        end
+
+        it "fails with invalid verification method" do
+          result = Braintree::PaymentMethod.update(
+            payment_method.token,
+            :options => {
+              :us_bank_account_verification_method => "blahblah",
+            },
+          )
+
+          result.should_not be_success
+          result.errors.for(:options).first.code.should == Braintree::ErrorCodes::PaymentMethod::Options::UsBankAccountVerificationMethodIsInvalid
+        end
+      end
+    end
+  end
+end