brot 0.2.0 → 0.3.0

checksums.yaml

@@ -1,7 +1,7 @@
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data/.github/workflows/ci.yml

@@ -11,7 +11,7 @@ jobs:
     runs-on: ubuntu-latest
 
     steps:
-      - uses: actions/checkout@v4
+      - uses: actions/checkout@v6
 
       - uses: ruby/setup-ruby@v1
         with:

data/.github/workflows/release.yml

@@ -10,7 +10,7 @@ jobs:
     runs-on: ubuntu-latest
 
     steps:
-      - uses: actions/checkout@v4
+      - uses: actions/checkout@v6
 
       - uses: ruby/setup-ruby@v1
         with:
@@ -33,7 +33,7 @@ jobs:
       contents: write
 
     steps:
-      - uses: actions/checkout@v4
+      - uses: actions/checkout@v6
 
       - uses: ruby/setup-ruby@v1
         with:

data/README.md

@@ -1,14 +1,14 @@
 # brot
 
-`brot` builds ISO 20022 SEPA credit transfer XML for DATEV-style uploads with
+`brot` builds ISO 20022 credit transfer XML for DATEV-style uploads with
 `Nokogiri::XML::Builder`.
 
 The gem supports these bundled schema targets:
 
-- `pain.001.003.03`
+- `pain.001.001.03`
 - `pain.001.001.12`
 
-Use `Brot::PainVersion::PAIN_001_003_03` or
+Use `Brot::PainVersion::PAIN_001_001_03` or
 `Brot::PainVersion::PAIN_001_001_12` instead of raw symbols when selecting the
 output format.
 
@@ -16,6 +16,19 @@ The public API is intentionally narrow and DATEV-oriented. It models one
 debtor, one payment information block, one or more transfers, and unstructured
 remittance information.
 
+## DATEV Compatibility
+
+Current DATEV compatibility and announced migration path are narrower than the
+gem's bundled schema support:
+
+- As of March 13, 2026, use `pain.001.001.03` for DATEV uploads.
+- DATEV states that SEPA version 3.7 becomes mandatory in November 2026.
+- Bundesbank maps SEPA version 3.6 to `pain.001.001.03` and SEPA version 3.7
+  to `pain.001.001.09`.
+- `pain.001.001.09` is not implemented in this gem yet.
+- `pain.001.001.12` remains available as a generic ISO 20022 output format,
+  but it should not be treated as a current DATEV upload target.
+
 ## Official References
 
 For authoritative field semantics and message context, use these primary
@@ -27,6 +40,11 @@ sources:
 - ISO 20022 message archive for older definitions, including
   `pain.001.001.03`:
   https://www.iso20022.org/catalogue-messages/iso-20022-messages-archive?search=pain
+- DATEV note on SEPA version 3.7 becoming mandatory in November 2026:
+  https://www.datev.de/web/de/mydatev/datev-magazin/fuer-selbstbucher/neu-sepa-version-3-7/
+- Deutsche Bundesbank format overview mapping SEPA versions to
+  `pain.001.001.03` and `pain.001.001.09`:
+  https://www.bundesbank.de/de/aufgaben/unbarer-zahlungsverkehr/serviceangebot/xml-formate-im-zv-613692
 - European Payments Council SCT rulebook and implementation-guideline entry
   point for SEPA-specific usage constraints and terminology:
   https://www.europeanpaymentscouncil.eu/what-we-do/epc-payment-schemes/sepa-credit-transfer/sepa-credit-transfer-rulebook-and
@@ -49,6 +67,7 @@ require 'date'
 
 transfer = Brot::Transfer.new(
   amount: '1250.50',
+  currency: 'EUR',
   creditor_name: 'Example Supplier GmbH',
   creditor_iban: 'DE89370400440532013000',
   creditor_bic: 'COBADEFFXXX',
@@ -66,7 +85,7 @@ document = Brot::Document.new(
   debtor_bic: 'INGDDEFFXXX',
   requested_execution_date: Date.new(2026, 3, 13),
   transfers: [transfer],
-  version: Brot::PainVersion::PAIN_001_003_03
+  version: Brot::PainVersion::PAIN_001_001_03
 )
 
 xml = document.to_xml
@@ -76,9 +95,12 @@ raise result.errors.join("\n") unless result.valid?
 ```
 
 If you omit `version:`, the document defaults to
-`Brot::PainVersion::PAIN_001_003_03`.
+`Brot::PainVersion::PAIN_001_001_03`.
 Call `document.validate!` if you prefer a raised `Brot::ValidationError`.
 
+For current DATEV uploads, stick to
+`Brot::PainVersion::PAIN_001_001_03`.
+
 ## Supported Subset
 
 Current assumptions baked into the serializer:
@@ -86,12 +108,19 @@ Current assumptions baked into the serializer:
 - Service level is always `SEPA`.
 - Payment method is always `TRF`.
 - Charge bearer is always `SLEV`.
-- Instructed amount is always emitted as `EUR`.
 - One debtor and one `PmtInf` block are emitted per document.
 - Remittance information is emitted as unstructured text only.
 - If a debtor BIC or creditor BIC is absent, the XML falls back to
   `NOTPROVIDED`.
 
+Currency support:
+
+- `Brot::Transfer` accepts `currency:` and defaults it to `EUR`.
+- The bundled `pain.001.001.03` and `pain.001.001.12` schemas both emit the
+  supplied transfer currency and support mixed-currency documents.
+- DATEV-specific acceptance is governed by DATEV's supported schema versions,
+  not by the gem alone.
+
 Supported input data:
 
 - Debtor and creditor names
@@ -100,6 +129,7 @@ Supported input data:
 - End-to-end IDs
 - Optional instruction IDs
 - Optional purpose codes
+- Optional transfer currencies, defaulting to `EUR`
 - Unstructured remittance information
 - Validation against bundled XSDs for both supported versions
 
@@ -109,7 +139,7 @@ Not modeled:
 - Postal addresses and richer party identification
 - Ultimate debtor and ultimate creditor
 - Multiple `PmtInf` sections in one document
-- Non-SEPA service levels or non-EUR transfer setups
+- Non-SEPA service levels
 - Broader ISO 20022 branches outside the current DATEV-oriented subset
 
 ## Public API
@@ -160,6 +190,7 @@ Example:
 ```ruby
 transfer = Brot::Transfer.new(
   amount: '1250.50',
+  currency: 'USD',
   creditor_name: 'Example Supplier GmbH',
   creditor_iban: 'DE89370400440532013000',
   creditor_bic: 'COBADEFFXXX',
@@ -180,6 +211,8 @@ Initialization attributes:
   Required. Validated as an IBAN.
 - `creditor_bic`
   Optional. Validated as a BIC if supplied.
+- `currency`
+  Optional. Three-letter ISO-style currency code. Defaults to `EUR`.
 - `end_to_end_id`
   Required. Maximum 35 characters.
 - `remittance_information`
@@ -193,7 +226,7 @@ Initialization attributes:
 
 Use `Brot::Document` for the full payment file.
 
-Example using `.12` output:
+Example using generic `.12` output:
 
 ```ruby
 document = Brot::Document.new(
@@ -231,8 +264,8 @@ Initialization attributes:
 - `created_at`
   Optional. Defaults to current UTC time.
 - `version`
-  Optional. Defaults to `Brot::PainVersion::PAIN_001_003_03`.
-  Supported values are `Brot::PainVersion::PAIN_001_003_03` and
+  Optional. Defaults to `Brot::PainVersion::PAIN_001_001_03`.
+  Supported values are `Brot::PainVersion::PAIN_001_001_03` and
   `Brot::PainVersion::PAIN_001_001_12`.
 
 Useful methods:
@@ -245,12 +278,13 @@ Useful methods:
 
 Version-specific output differences:
 
-- `pain.001.003.03` uses namespace
-  `urn:iso:std:iso:20022:tech:xsd:pain.001.003.03`
+- `pain.001.001.03` uses namespace
+  `urn:iso:std:iso:20022:tech:xsd:pain.001.001.03`
 - `pain.001.001.12` uses namespace
   `urn:iso:std:iso:20022:tech:xsd:pain.001.001.12`
 - `.03` writes `BIC` and plain `ReqdExctnDt`
 - `.12` writes `BICFI` and `ReqdExctnDt/Dt`
+- For DATEV compatibility today, prefer `.03`
 
 ### `Brot::Schema`
 
@@ -286,5 +320,5 @@ from the XML document namespace.
 `Brot::PainVersion` is the public value object for supported output formats.
 Prefer these constants when constructing documents or looking up bundled XSDs:
 
-- `Brot::PainVersion::PAIN_001_003_03`
+- `Brot::PainVersion::PAIN_001_001_03`
 - `Brot::PainVersion::PAIN_001_001_12`

data/brot.gemspec

@@ -10,8 +10,8 @@ Gem::Specification.new do |spec|
 
   spec.summary = 'Build ISO 20022 pain.001 payment initiation XML for DATEV uploads.'
   spec.description = <<~TEXT
-    brot builds SEPA credit transfer XML with Nokogiri::XML::Builder.
-    The output targets pain.001.003.03 or pain.001.001.12 for DATEV-oriented uploads.
+    brot builds ISO 20022 credit transfer XML with Nokogiri::XML::Builder.
+    The output targets pain.001.001.03 or pain.001.001.12 for DATEV-oriented uploads.
   TEXT
   spec.homepage = 'https://github.com/garriguv/brot'
   spec.license = 'MIT'

data/lib/brot/document.rb

@@ -16,7 +16,7 @@ module Brot
 
     # @param attributes [Hash]
     # @option attributes [PainVersion, Symbol, String] :version
-    #   Defaults to {PainVersion::PAIN_001_003_03}.
+    #   Defaults to {PainVersion::PAIN_001_001_03}.
     def initialize(**attributes)
       @version = PainVersion.fetch(attributes.fetch(:version, PainVersion.default))
       assign_identifiers(attributes)

data/lib/brot/pain_version.rb

@@ -24,22 +24,22 @@ module Brot
       xsd_path: File.expand_path('../../xsd/pain.001.001.12.xsd', __dir__)
     )
 
-    PAIN_001_003_03 = new(
-      identifier: 'pain.001.003.03',
-      namespace: 'urn:iso:std:iso:20022:tech:xsd:pain.001.003.03',
-      serializer_class: Serializers::Pain00100303,
-      xsd_path: File.expand_path('../../xsd/pain.001.003.03.xsd', __dir__)
+    PAIN_001_001_03 = new(
+      identifier: 'pain.001.001.03',
+      namespace: 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.03',
+      serializer_class: Serializers::Pain00100103,
+      xsd_path: File.expand_path('../../xsd/pain.001.001.03.xsd', __dir__)
     )
 
     ALL = [
       PAIN_001_001_12,
-      PAIN_001_003_03
+      PAIN_001_001_03
     ].freeze
 
     class << self
       # @return [PainVersion]
       def default
-        PAIN_001_003_03
+        PAIN_001_001_03
       end
 
       # @return [Array<PainVersion>]

data/lib/brot/serializer_base.rb

@@ -76,7 +76,7 @@ module Brot
     def build_credit_transfer(xml, transfer)
       xml.CdtTrfTxInf do
         payment_identification(xml, transfer)
-        amount(xml, transfer.amount)
+        amount(xml, transfer)
         agent(xml, :CdtrAgt, transfer.creditor_account)
         creditor(xml, transfer)
         purpose(xml, transfer.purpose_code)
@@ -121,9 +121,9 @@ module Brot
       end
     end
 
-    def amount(xml, amount)
+    def amount(xml, transfer)
       xml.Amt do
-        xml.InstdAmt(Utils.format_amount(amount), Ccy: 'EUR')
+        xml.InstdAmt(Utils.format_amount(transfer.amount), Ccy: transfer.currency)
       end
     end
 

data/lib/brot/serializers/{pain00100303.rb → pain00100103.rb}

@@ -2,8 +2,8 @@
 
 module Brot
   module Serializers
-    # Concrete serializer for pain.001.003.03 output.
-    class Pain00100303 < SerializerBase
+    # Concrete serializer for pain.001.001.03 output.
+    class Pain00100103 < SerializerBase
       private
 
       def bic_element_name
@@ -11,7 +11,7 @@ module Brot
       end
 
       def namespace
-        'urn:iso:std:iso:20022:tech:xsd:pain.001.003.03'
+        'urn:iso:std:iso:20022:tech:xsd:pain.001.001.03'
       end
 
       def requested_execution_date(xml)

data/lib/brot/transfer.rb

@@ -6,6 +6,7 @@ module Brot
     attr_reader :amount,
                 :creditor_account,
                 :creditor_name,
+                :currency,
                 :end_to_end_id,
                 :instruction_id,
                 :purpose_code,
@@ -21,6 +22,7 @@ module Brot
 
     def assign_creditor_details(attributes)
       @amount = Utils.normalize_amount!(attributes.fetch(:amount))
+      @currency = Utils.normalize_currency!(attributes.fetch(:currency, 'EUR'))
       @creditor_name = Utils.normalize_text!('creditor_name', attributes.fetch(:creditor_name), max: 70)
       @creditor_account = Account.new(iban: attributes.fetch(:creditor_iban), bic: attributes[:creditor_bic])
     end

data/lib/brot/utils.rb

@@ -37,6 +37,13 @@ module Brot
       raise ValidationError, 'amount is invalid'
     end
 
+    def normalize_currency!(currency)
+      value = String(currency).upcase.strip
+      raise ValidationError, 'currency is invalid' unless /\A[A-Z]{3}\z/.match?(value)
+
+      value
+    end
+
     def normalize_date!(date)
       return date if date.is_a?(Date)
       return Date.iso8601(date) if date.is_a?(String)

data/lib/brot/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Brot
-  VERSION = '0.2.0'
+  VERSION = '0.3.0'
 end

data/lib/brot.rb

@@ -16,7 +16,7 @@ require_relative 'brot/account'
 require_relative 'brot/transfer'
 require_relative 'brot/serializer_base'
 require_relative 'brot/serializers/pain00100112'
-require_relative 'brot/serializers/pain00100303'
+require_relative 'brot/serializers/pain00100103'
 require_relative 'brot/pain_version'
 require_relative 'brot/schema'
 require_relative 'brot/document'

data/test/currency_support_test.rb

@@ -0,0 +1,102 @@
+# frozen_string_literal: true
+
+require_relative 'test_helper'
+
+class CurrencySupportTest < Minitest::Test
+  DOCUMENT_ATTRIBUTES = {
+    message_id: 'MSG-20260313-01',
+    payment_information_id: 'PMT-20260313-01',
+    initiating_party_name: 'Example Debtor GmbH',
+    debtor_name: 'Example Debtor GmbH',
+    debtor_iban: 'DE12500105170648489890',
+    debtor_bic: 'INGDDEFFXXX',
+    requested_execution_date: Date.new(2026, 3, 13),
+    created_at: Time.utc(2026, 3, 13, 12, 0, 0)
+  }.freeze
+  TRANSFER_ATTRIBUTES = {
+    amount: '1250.50',
+    creditor_name: 'Example Supplier GmbH',
+    creditor_iban: 'DE89370400440532013000',
+    creditor_bic: 'COBADEFFXXX',
+    end_to_end_id: 'INV-2026-0001',
+    remittance_information: 'Invoice 2026-0001',
+    instruction_id: 'INSTR-2026-0001'
+  }.freeze
+  TRANSFER_OVERRIDE_KEYS = %i[
+    amount
+    creditor_bic
+    creditor_iban
+    creditor_name
+    currency
+    end_to_end_id
+    instruction_id
+    purpose_code
+    remittance_information
+  ].freeze
+  PAIN_001_001_12_NS = {
+    'ns' => 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.12'
+  }.freeze
+  PAIN_001_001_03_NS = {
+    'ns' => 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.03'
+  }.freeze
+
+  def test_serializes_transfer_currency_for_version_twelve
+    parsed = Nokogiri::XML(document(version: Brot::PainVersion::PAIN_001_001_12, currency: 'usd').to_xml)
+    currency = parsed.at_xpath('//ns:Amt/ns:InstdAmt', PAIN_001_001_12_NS).attribute('Ccy').value
+
+    assert_equal 'USD', currency
+  end
+
+  def test_supports_mixed_currencies_for_version_twelve
+    document = mixed_currency_document_for_version_twelve
+    parsed = Nokogiri::XML(document.to_xml)
+    amounts = parsed.xpath('//ns:Amt/ns:InstdAmt', PAIN_001_001_12_NS)
+    currencies = amounts.map { it['Ccy'] }
+
+    assert_equal %w[EUR USD], currencies
+    assert_predicate document.validate, :valid?
+  end
+
+  def test_serializes_transfer_currency_for_version_three
+    parsed = Nokogiri::XML(document(version: Brot::PainVersion::PAIN_001_001_03, currency: 'usd').to_xml)
+    currency = parsed.at_xpath('//ns:Amt/ns:InstdAmt', PAIN_001_001_03_NS).attribute('Ccy').value
+
+    assert_equal 'USD', currency
+  end
+
+  private
+
+  def document(**overrides)
+    attributes = DOCUMENT_ATTRIBUTES.merge(version: Brot::PainVersion::PAIN_001_001_03)
+    attributes.merge!(overrides)
+    attributes[:transfers] ||= [transfer(**transfer_overrides(overrides))]
+    Brot::Document.new(**attributes)
+  end
+
+  def transfer(**overrides) = Brot::Transfer.new(**TRANSFER_ATTRIBUTES, **overrides)
+
+  def transfer_overrides(overrides) = overrides.slice(*TRANSFER_OVERRIDE_KEYS)
+
+  def mixed_currency_document_for_version_twelve
+    document(
+      version: Brot::PainVersion::PAIN_001_001_12,
+      transfers: [
+        transfer(currency: 'EUR'),
+        usd_transfer
+      ]
+    )
+  end
+
+  def usd_transfer
+    transfer(
+      amount: '99.95',
+      currency: 'USD',
+      creditor_name: 'Example Vendor LLC',
+      creditor_iban: 'FR7630006000011234567890189',
+      creditor_bic: 'AGRIFRPP',
+      end_to_end_id: 'INV-2026-0002',
+      remittance_information: 'Invoice 2026-0002',
+      instruction_id: 'INSTR-2026-0002'
+    )
+  end
+end

data/test/document_test.rb

@@ -4,7 +4,7 @@ require_relative 'test_helper'
 
 EXPECTED_DOCUMENT_NAMESPACES = {
   Brot::PainVersion::PAIN_001_001_12 => 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.12',
-  Brot::PainVersion::PAIN_001_003_03 => 'urn:iso:std:iso:20022:tech:xsd:pain.001.003.03'
+  Brot::PainVersion::PAIN_001_001_03 => 'urn:iso:std:iso:20022:tech:xsd:pain.001.001.03'
 }.freeze
 DOCUMENT_ATTRIBUTES = {
   message_id: 'MSG-20260313-01',
@@ -25,9 +25,22 @@ TRANSFER_ATTRIBUTES = {
   remittance_information: 'Invoice 2026-0001',
   instruction_id: 'INSTR-2026-0001'
 }.freeze
+TRANSFER_OVERRIDE_KEYS = %i[
+  amount
+  creditor_bic
+  creditor_iban
+  creditor_name
+  currency
+  end_to_end_id
+  instruction_id
+  purpose_code
+  remittance_information
+].freeze
 
 class DocumentTest < Minitest::Test
-  def test_defaults_to_the_latest_supported_version = assert_equal(Brot::PainVersion::PAIN_001_003_03, document.version)
+  def test_defaults_to_the_default_supported_version
+    assert_equal Brot::PainVersion::PAIN_001_001_03, document.version
+  end
 
   def test_accepts_a_pain_version_object
     assert_equal Brot::PainVersion::PAIN_001_001_12,
@@ -62,12 +75,12 @@ class DocumentTest < Minitest::Test
 
   def test_serializes_version_specific_requested_execution_dates
     assert_xpath(Brot::PainVersion::PAIN_001_001_12, '//ns:ReqdExctnDt/ns:Dt', '2026-03-13')
-    assert_xpath(Brot::PainVersion::PAIN_001_003_03, '//ns:ReqdExctnDt', '2026-03-13')
+    assert_xpath(Brot::PainVersion::PAIN_001_001_03, '//ns:ReqdExctnDt', '2026-03-13')
   end
 
   def test_serializes_version_specific_bic_element_names
     assert_xpath(Brot::PainVersion::PAIN_001_001_12, '//ns:DbtrAgt/ns:FinInstnId/ns:BICFI', 'INGDDEFFXXX')
-    assert_xpath(Brot::PainVersion::PAIN_001_003_03, '//ns:DbtrAgt/ns:FinInstnId/ns:BIC', 'INGDDEFFXXX')
+    assert_xpath(Brot::PainVersion::PAIN_001_001_03, '//ns:DbtrAgt/ns:FinInstnId/ns:BIC', 'INGDDEFFXXX')
   end
 
   def test_serializes_notprovided_when_bic_is_missing_for_each_version
@@ -104,7 +117,7 @@ class DocumentTest < Minitest::Test
   def test_rejects_an_unsupported_version
     error = assert_raises(Brot::ValidationError) { document(version: :'pain.001.999.99') }
 
-    assert_equal 'version must be one of pain.001.001.12, pain.001.003.03', error.message
+    assert_equal 'version must be one of pain.001.001.12, pain.001.001.03', error.message
   end
 
   private
@@ -118,14 +131,19 @@ class DocumentTest < Minitest::Test
                  parsed_document(version).at_xpath(xpath, ns(version)).content
   end
 
-  def document(version: Brot::PainVersion::PAIN_001_003_03, **overrides)
-    attributes = DOCUMENT_ATTRIBUTES.merge(transfers: [transfer(**overrides.slice(:creditor_bic))], version:)
+  def document(version: Brot::PainVersion::PAIN_001_001_03, **overrides)
+    transfer_overrides = transfer_attributes_from(overrides)
+    attributes = DOCUMENT_ATTRIBUTES.merge(transfers: [transfer(**transfer_overrides)], version:)
     attributes[:debtor_bic] = overrides[:debtor_bic] if overrides.key?(:debtor_bic)
     Brot::Document.new(**attributes)
   end
 
   def invalid_document = Brot::Document.new(**DOCUMENT_ATTRIBUTES, transfers: [transfer], debtor_iban: 'INVALID')
 
+  def transfer_attributes_from(overrides)
+    overrides.slice(*TRANSFER_OVERRIDE_KEYS)
+  end
+
   def parsed_document(version)
     @parsed_documents ||= {}
     @parsed_documents[version] ||= Nokogiri::XML(document(version:).to_xml)

data/test/transfer_test.rb

@@ -0,0 +1,33 @@
+# frozen_string_literal: true
+
+require_relative 'test_helper'
+
+class TransferTest < Minitest::Test
+  ATTRIBUTES = {
+    amount: '1250.50',
+    creditor_name: 'Example Supplier GmbH',
+    creditor_iban: 'DE89370400440532013000',
+    creditor_bic: 'COBADEFFXXX',
+    end_to_end_id: 'INV-2026-0001',
+    remittance_information: 'Invoice 2026-0001',
+    instruction_id: 'INSTR-2026-0001'
+  }.freeze
+
+  def test_defaults_currency_to_eur
+    assert_equal 'EUR', transfer.currency
+  end
+
+  def test_normalizes_currency_to_uppercase
+    assert_equal 'USD', transfer(currency: 'usd').currency
+  end
+
+  def test_rejects_an_invalid_currency
+    error = assert_raises(Brot::ValidationError) { transfer(currency: 'EURO') }
+
+    assert_equal 'currency is invalid', error.message
+  end
+
+  private
+
+  def transfer(**overrides) = Brot::Transfer.new(**ATTRIBUTES, **overrides)
+end