dcas-ruby 0.1.0

data/.document

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+README.rdoc
+lib/**/*.rb
+bin/*
+features/**/*.feature
+LICENSE

data/.gitignore

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+## MAC OS
+.DS_Store
+
+## TEXTMATE
+*.tmproj
+tmtags
+
+## EMACS
+*~
+\#*
+.\#*
+
+## VIM
+*.swp
+
+## PROJECT::GENERAL
+coverage
+rdoc
+pkg
+
+## PROJECT::SPECIFIC
+spec/fixtures/clients.yml

data/API.rdoc

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+= Functions of DCAS:
+
+* Generate a file
+* Upload a file
+* Check for response files
+* Receive response files
+* Parse response files
+
+=== First you must set up the login info and a cache location
+  angola = DCAS::Client.new(:username => 'angola', :password => '4ng014', :cache_location => './EFT')
+
+=== Create a Payment Batch
+  ach_payments = angola.new_batch(batch_id)
+  cc_payments  = angola.new_batch(batch_id)
+
+=== Populate it with payments
+  ach_payments << DCAS::AchPayment.new(client_id, client_name, amount, account_type, routing_number, account_number, check_number)
+  cc_payments  << DCAS::CreditCardPayment.new(client_id, client_name, amount, card_type, credit_card_number, expiration)
+
+=== You can generate a payments file from a collection of DCAS::Payment objects
+  File.open(filename,     'w') {|f| f << cc_payments.to_csv }
+  File.open(ach_filename, 'w') {|f| f << ach_payments.to_csv }
+
+=== Upload a generated file to the payments folder of a DCAS bucket
+  angola.submit_payments_file!(filename)
+
+=== Simpler method, just submit batches in one go
+  angola.submit_batches!
+
+=== Check for response file availability and return the available filenames
+  response_filenames = angola.available_response_files
+  response_filename = response_filenames.first
+
+=== Download all response files
+  angola.download_response_files!
+  response_file_content = File.read(angola.cache_location + '/' + response_filename)
+
+=== Return an array of DCAS::Response objects parsed from the response file/content
+  responses = DCAS.parse_response_file(response_filename)
+  responses = DCAS.parse_response_file(response_file_content)
+
+=== Run the block for each DCAS::Response in the response file/content
+  angola.each_response_in(response_filename) { |response| ... }
+  angola.each_response_in(response_file_content) { |response| ... }

data/HISTORY.rdoc

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+= v0.1.0 2010/01/15
+
+* Initial package. FTPS operations work properly and creates payment files.

data/LICENSE

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+Copyright (c) 2009 BehindLogic
+
+Permission is hereby granted, free of charge, to any person obtaining
+a copy of this software and associated documentation files (the
+"Software"), to deal in the Software without restriction, including
+without limitation the rights to use, copy, modify, merge, publish,
+distribute, sublicense, and/or sell copies of the Software, and to
+permit persons to whom the Software is furnished to do so, subject to
+the following conditions:
+
+The above copyright notice and this permission notice shall be
+included in all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
+EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
+MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
+NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE
+LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION
+OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION
+WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

data/README.rdoc

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+= dcas-ruby
+
+Ruby codebase for creating payment batch files for DCAS, uploading them, and receiving response files from DCAS.
+For the Ruby API, see API.
+
+== Note on Patches/Pull Requests
+ 
+* Fork the project.
+* Make your feature addition or bug fix.
+* Add tests for it. This is important so I don't break it in a
+  future version unintentionally.
+* Commit, do not mess with rakefile, version, or history.
+  (if you want to have your own version, that is fine but bump version in a commit by itself I can ignore when I pull)
+* Send me a pull request. Bonus points for topic branches.
+
+== Copyright
+
+Copyright (c) 2010 BehindLogic. See LICENSE for details.

data/Rakefile

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+require 'rubygems'
+require 'rake'
+
+begin
+  require 'jeweler'
+  Jeweler::Tasks.new do |gem|
+    gem.name = "dcas-ruby"
+    gem.summary = %Q{Ruby codebase for managing payments with DCAS.}
+    gem.description = %Q{Ruby codebase for creating payment batch files for DCAS, uploading them, and receiving response files from DCAS.}
+    gem.email = "gems@behindlogic.com"
+    gem.homepage = "http://github.com/dcparker/dcas-ruby"
+    gem.authors = ["BehindLogic"]
+    gem.add_development_dependency "rspec", ">= 1.2.9"
+    gem.add_dependency "fastercsv"
+    # gem is a Gem::Specification... see http://www.rubygems.org/read/chapter/20 for additional settings
+  end
+  Jeweler::GemcutterTasks.new
+rescue LoadError
+  puts "Jeweler (or a dependency) not available. Install it with: gem install jeweler"
+end
+
+require 'spec/rake/spectask'
+Spec::Rake::SpecTask.new(:spec) do |spec|
+  spec.libs << 'lib' << 'spec'
+  spec.spec_files = FileList['spec/**/*_spec.rb']
+end
+
+Spec::Rake::SpecTask.new(:rcov) do |spec|
+  spec.libs << 'lib' << 'spec'
+  spec.pattern = 'spec/**/*_spec.rb'
+  spec.rcov = true
+end
+
+task :spec => :check_dependencies
+
+task :default => :spec
+
+require 'rake/rdoctask'
+Rake::RDocTask.new do |rdoc|
+  version = File.exist?('VERSION') ? File.read('VERSION') : ""
+
+  rdoc.rdoc_dir = 'rdoc'
+  rdoc.title = "dcas-ruby #{version}"
+  rdoc.rdoc_files.include('README*')
+  rdoc.rdoc_files.include('lib/**/*.rb')
+end

data/VERSION

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+0.1.0

data/dcas-ruby.gemspec

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+# Generated by jeweler
+# DO NOT EDIT THIS FILE DIRECTLY
+# Instead, edit Jeweler::Tasks in Rakefile, and run the gemspec command
+# -*- encoding: utf-8 -*-
+
+Gem::Specification.new do |s|
+  s.name = %q{dcas-ruby}
+  s.version = "0.1.0"
+
+  s.required_rubygems_version = Gem::Requirement.new(">= 0") if s.respond_to? :required_rubygems_version=
+  s.authors = ["BehindLogic"]
+  s.date = %q{2010-01-15}
+  s.description = %q{Ruby codebase for creating payment batch files for DCAS, uploading them, and receiving response files from DCAS.}
+  s.email = %q{gems@behindlogic.com}
+  s.extra_rdoc_files = [
+    "LICENSE",
+     "README.rdoc"
+  ]
+  s.files = [
+    ".document",
+     ".gitignore",
+     "API.rdoc",
+     "HISTORY.rdoc",
+     "LICENSE",
+     "README.rdoc",
+     "Rakefile",
+     "VERSION",
+     "dcas-ruby.gemspec",
+     "lib/dcas.rb",
+     "lib/dcas/ach_response.rb",
+     "lib/dcas/ach_return.rb",
+     "lib/dcas/payment.rb",
+     "lib/dcas/response.rb",
+     "lib/net/ftps_implicit.rb",
+     "spec/dcas/response_spec.rb",
+     "spec/dcas_spec.rb",
+     "spec/fixtures/ach_first_response.csv.sample",
+     "spec/fixtures/ach_payments.csv",
+     "spec/fixtures/ach_payments.yml",
+     "spec/fixtures/ach_second_response.csv.sample",
+     "spec/fixtures/cc_response.csv.sample",
+     "spec/fixtures/clients.yml.sample",
+     "spec/fixtures/credit_card_payments.csv",
+     "spec/fixtures/credit_card_payments.yml",
+     "spec/fixtures/test_upload0.txt",
+     "spec/fixtures/test_upload1.txt",
+     "spec/fixtures/test_upload2.txt",
+     "spec/fixtures/test_upload3.txt",
+     "spec/fixtures/test_upload4.txt",
+     "spec/fixtures/test_upload5.txt",
+     "spec/fixtures/test_upload6.txt",
+     "spec/fixtures/test_upload7.txt",
+     "spec/fixtures/test_upload8.txt",
+     "spec/fixtures/test_upload9.txt",
+     "spec/ftps_implicit_spec.rb",
+     "spec/spec.opts",
+     "spec/spec_helper.rb"
+  ]
+  s.homepage = %q{http://github.com/dcparker/dcas-ruby}
+  s.rdoc_options = ["--charset=UTF-8"]
+  s.require_paths = ["lib"]
+  s.rubygems_version = %q{1.3.5}
+  s.summary = %q{Ruby codebase for managing payments with DCAS.}
+  s.test_files = [
+    "spec/dcas/response_spec.rb",
+     "spec/dcas_spec.rb",
+     "spec/ftps_implicit_spec.rb",
+     "spec/spec_helper.rb"
+  ]
+
+  if s.respond_to? :specification_version then
+    current_version = Gem::Specification::CURRENT_SPECIFICATION_VERSION
+    s.specification_version = 3
+
+    if Gem::Version.new(Gem::RubyGemsVersion) >= Gem::Version.new('1.2.0') then
+      s.add_development_dependency(%q<rspec>, [">= 1.2.9"])
+      s.add_runtime_dependency(%q<fastercsv>, [">= 0"])
+    else
+      s.add_dependency(%q<rspec>, [">= 1.2.9"])
+      s.add_dependency(%q<fastercsv>, [">= 0"])
+    end
+  else
+    s.add_dependency(%q<rspec>, [">= 1.2.9"])
+    s.add_dependency(%q<fastercsv>, [">= 0"])
+  end
+end
+

data/lib/dcas/ach_response.rb

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+module DCAS
+  class AchResponse < Response
+    DESCRIPTIONS = {
+      '00' => 'Processing',
+      '02' => 'Account Closed',
+      '03' => 'Account Closed',
+      '04' => 'Stop Payment',
+      '05' => 'Stop Payment',
+      '10' => 'No Debits Allowed',
+      '11' => 'No Checks Allowed',
+      '12' => 'Account Closed',
+      '14' => 'Account Closed',
+      '20' => 'Insufficient Funds',
+      '21' => 'Insufficient Funds',
+      '22' => 'Insufficient Funds',
+      '30' => 'Insufficient Funds',
+      '31' => 'Insufficient Funds',
+      '32' => 'Insufficient Funds',
+      '33' => 'Insufficient Funds',
+      '37' => 'Account Restricted',
+      '80' => 'Non-DDA Participant Credit Card',
+      '81' => 'Non-DDA Participant Line of Credit',
+      '82' => 'Non-DDA Participant Home Equity',
+      '83' => 'Non-DDA Non-Participant Credit Card / LOC',
+      '84' => 'Non-DDA Participant Broker Check',
+      '85' => 'Non-DDA Non-Participant Broker Check',
+      '96' => 'Non-Participant',
+      '97' => 'Non-Participant',
+      '98' => 'Non-DDA',
+      '99' => 'Account Not Located',
+      '128' => 'WARNING: Authentication Required',
+      '256' => 'WARNING: Account Validation Declined',
+      '257' => 'WARNING: Insufficient Funds',
+      '258' => 'WARNING: Account - Invalid Card',
+      '259' => 'WARNING: Account - Expired Card',
+      '260' => 'WARNING: Referral',
+      '261' => 'WARNING: Authentication Failed',
+      '262' => 'WARNING: Authentication Server Not Available',
+      '1026' => 'WARNING: Account Validation Error',
+      '1027' => 'WARNING: Account Validation Failure',
+      '1028' => 'WARNING: Account Duplicate',
+      '1029' => 'WARNING: Account - Invalid Merchant',
+      '1034' => 'WARNING: Account - Invalid Transaction',
+      '9001' => 'WARNING; Bank ABA not Verified',
+      '9033' => 'WARNING: Insufficient Funds',
+      '9097' => 'WARNING: ABA Not Valid',
+      '9098' => 'WARNING: Batch not closed',
+      '9099' => 'WARNING: No Batch on file',
+      '9999' => 'Unspecified Error'
+    }
+
+    def initialize(batch_id,attrs={})
+      new_attrs = {}
+      nattrs = attrs.dup
+      if nattrs.is_a?(Hash) # Is xml-hash
+        nattrs.stringify_keys!
+        # status, order_number, transacted_at, transaction_id, description
+        new_attrs = nattrs
+      elsif nattrs.respond_to?('[]') # Is csv row
+        # GotoBilling: MerchantID,FirstName,LastName,CustomerID,Amount,SentDate,SettleDate,TransactionID,TransactionType,Status,Description
+        # DCAS:        RT,BankABA,AccountNumber,CheckNumber,Amount,ReturnCode,Description,CustTraceCode
+        # ret could be 0 (denied), 1 (approved), 2 (call for authorization), or 99 (error)
+        new_attrs = {
+          :status       => nattrs[3][0..0] == 'A' ? 'A' : 'D',
+          :description  => DESCRIPTIONS[nattrs[3].match(/(\d+)/)[1]] + " / " + nattrs[3].split(/-/)[1], # "Processing" if everything's good
+          :ach_submitted => true,
+          :client_id    => nattrs[4][4..-1],
+          :account_number => nattrs[2]
+        }
+      end
+      self.attributes = new_attrs
+      self.batch_id = batch_id
+    end
+
+    def record_to_transaction!
+      return unless transaction.status != status && transaction.description != description
+      transaction.status = status
+      transaction.description = description
+      transaction.ach_submitted = true if ach_submitted
+      transaction.save
+    end
+  end
+end

data/lib/dcas/ach_return.rb

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+module DCAS
+  class AchReturn < Response
+    DESCRIPTIONS = {
+      'C01' => 'Incorrect DFI account number',
+      'C02' => 'Incorrect T/R number',
+      'C03' => 'Incorrect T/R number and incorrect DFI account number',
+      'C04' => 'Incorrect indvidual name/receiving company name',
+      'C05' => 'Incorrect transaction codes',
+      'C06' => 'Incorrect DFI account number and incorrect transaction code',
+      'C07' => 'Incorrect T/R number, incorrect DFI number and incorrect transaction code',
+      'C08' => 'Reserved',
+      'C09' => 'Incorrect individual identification number',
+      'C10' => 'Incorrect company name',
+      'C11' => 'Incorrect',
+      'C12' => 'Incorrect company name and company identification',
+      'C13' => 'Addenda format error',
+      'C61' => 'Misrouted notification change',
+      'C62' => 'Incorrect trace number',
+      'C63' => 'Incorrect company identification number',
+      'C64' => 'Incorrect individual identification number/identification number',
+      'C65' => 'Incorrectly formatted corrected data',
+      'C66' => 'Incorrect discretionary data',
+      'C67' => 'Routing number not from original entry detail record',
+      'C68' => 'DFI account number not from original entry detail record',
+      'C69' => 'Incorrect transaction code',
+      'R01' => 'Insufficient funds',
+      'R02' => 'Account closed',
+      'R03' => 'No account/Unable to locate account',
+      'R04' => 'Invalid account number',
+      'R05' => 'Reserved',
+      'R06' => 'Returned per Originating DFIs request',
+      'R07' => 'Authorization revoked by customer',
+      'R08' => 'Payment stopped',
+      'R09' => 'Uncollected Funds',
+      'R10' => 'Customer advises not authorized',
+      'R11' => 'Check truncation entry return',
+      'R12' => 'Branch sold to another DFI',
+      'R13' => 'Receiving DFI not qualified to participate',
+      'R14' => 'Account-holder deceased',
+      'R15' => 'Beneficiary deceased',
+      'R16' => 'Account frozen',
+      'R17' => 'File record edit criteria',
+      'R18' => 'Improper effective entry date',
+      'R19' => 'Amount field error',
+      'R20' => 'Non-transaction account',
+      'R21' => 'Invalid company identification',
+      'R22' => 'Invalid individual ID number',
+      'R23' => 'Credit entry refused by receiver',
+      'R24' => 'Duplicate entry',
+      'R25' => 'Addenda error',
+      'R26' => 'Mandatory field error',
+      'R27' => 'Trace number error',
+      'R28' => 'Transit/Routing check digit error',
+      'R29' => 'Corporate customer advises not authorized',
+      'R30' => 'Receiving DFI not participant in check truncation program',
+      'R31' => 'Permissible return entry',
+      'R32' => 'RDFI - non-settlement',
+      'R33' => 'Return for XCK',
+      'R34' => 'Limited participation DFI',
+      '900' => 'Edit Reject',
+      '901' => 'Non-Sufficient Funds',
+      '902' => 'Cannot Trace',
+      '903' => 'Payment Stopped/Recalled',
+      '904' => 'Post/Stale Dated',
+      '905' => 'Account Closed',
+      '906' => 'Account Transferred',
+      '907' => 'No Checquing Privileges',
+      '908' => 'Funds Not Cleared',
+      '910' => 'Payer/Payee Deceased',
+      '911' => 'Account Frozen',
+      '912' => 'Invalid/Incorrect Account Number',
+      '914' => 'Incorrect Payer/Payee Name',
+      '915' => 'Refused By Payer/Payee',
+      '990' => 'Institution In Default',
+      '998' => 'No Agreement For Returns'
+    }
+
+    ACH_RET_CODES = {
+      'A' => 'G',
+      'C' => 'I',
+      'R' => 'D',
+      '9' => 'D'
+    }
+    def initialize(batch_id,attrs={})
+      new_attrs = {}
+      nattrs = attrs.dup
+      if nattrs.is_a?(Hash) # Is xml-hash
+        nattrs.stringify_keys!
+        # status, order_number, transacted_at, transaction_id, description
+        new_attrs = nattrs
+      elsif nattrs.respond_to?('[]') # Is csv row
+        # GotoBilling: MerchantID,FirstName,LastName,CustomerID,Amount,SentDate,SettleDate,TransactionID,TransactionType,Status,Description
+        # DCAS:        RT,BankABA,AccountNumber,CheckNumber,Amount,ReturnCode,Description,CustTraceCode
+        # ret could be 0 (denied), 1 (approved), 2 (call for authorization), or 99 (error)
+        status = ACH_RET_CODES[nattrs[5][0..0]]
+        new_attrs = {
+          :account_number => nattrs[2],
+          :check_number => nattrs[3],
+          :client_id    => nattrs[7] ? nattrs[7][4..-1] : nil
+        }
+        if status == 'I'
+          new_attrs[:information] = "#{DESCRIPTIONS[nattrs[5]]} (#{nattrs[6]})"
+        else
+          new_attrs[:status]      = status
+          new_attrs[:description] = "#{DESCRIPTIONS[nattrs[5]]} (#{nattrs[6]})"
+        end
+      end
+      self.attributes = new_attrs
+      self.batch_id = batch_id
+    end
+  
+    def transaction
+      @transaction ||= GotoTransaction.find_by_batch_id_and_client_id(self.batch_id, self.client_id)
+      @transaction ||= GotoTransaction.find_by_batch_id_and_bank_account_number_and_check_number(self.batch_id, self.account_number, self.check_number)
+      @transaction
+    end
+
+    def record_to_transaction!
+      return unless transaction.status != status && transaction.description != description
+
+      transaction.transaction_id = 0 if transaction.transaction_id.to_i != 0 && transaction.status == 'G' && status == 'D' # Was accepted, now declined.
+
+      if status == 'I'
+        transaction.information = information
+      else
+        transaction.description = description
+      end
+      transaction.status = status
+      transaction.ach_submitted = ach_submitted if ach_submitted
+      transaction.save
+    end
+  end
+end

data/lib/dcas/payment.rb

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+require 'fastercsv'
+
+module DCAS
+  class PaymentBatch
+    def initialize(client, batch_id)
+      @client = client
+      @batch_id = batch_id
+    end
+
+    attr_reader :batch_id
+
+    def payments
+      @payments ||= []
+    end
+
+    def <<(payment)
+      raise ArgumentError, "payment should be instance of Payment" unless payment.is_a?(Payment)
+      type = payments.first.class
+      raise ArgumentError, "payment added to a #{type} batch should be a #{type} but was #{payment.class.name}!" if !payments.empty? && !payment.is_a?(type)
+      payment.batch = self
+      payments << payment
+    end
+
+    def type
+      payments.first.class.name.gsub(/.*::/,'').downcase
+    end
+
+    # Generates a payment batch file and returns its contents.
+    def to_csv
+      FasterCSV.generate do |csv|
+        csv << [ 'HD', @client.company_alias, @client.company_username, @client.company_password, 'Check' ]
+        payments.each do |payment|
+          csv << payment.to_csv_data if payment.batch == self # Safety net in case the same payment was applied to more than one batch. It will only go through in the last batch it was added to.
+        end
+      end
+    end
+  end
+
+  class Payment
+    attr_accessor :batch
+
+    def initialize(client_id, client_name, amount, *args)
+      @client_id = client_id
+      @client_name = client_name
+      @amount = amount
+      @txn_type = 'Debit'
+      return args
+    end
+  end
+
+  class AchPayment < Payment
+    # Arguments: client_id, client_name, amount, account_type, routing_number, account_number, check_number
+    def initialize(*args)
+      @account_type, @routing_number, @account_number, @check_number = *super
+    end
+
+    def to_csv_data(options={})
+      # Example from DCAS:
+          # HD,CompanyName,UserName,Password,Check
+          # CA,111000753,1031103,42676345,50.99,,Darwin Rogers,1409 N AVE,,,75090,,,,,2919,,,,,Checking,,,,,,200
+          # CC,VISA,4118000000981234,04/2009,19.99,N,,162078,JACLYN ,545 Sheridan Ave,,,07203,,,,9872,,,2,3,1
+      [ # This is for bank account transactions
+        'CA',
+        @routing_number,
+        @account_number,
+        @check_number, # check number field can be used to prevent duplicates
+        @amount,
+        nil, # invoice number
+        @client_name,
+        nil, # address - API says required, but it's really not.
+        nil, # city
+        nil, # state
+        nil, # zip
+        nil, # phone number
+        nil, # driver license number
+        nil, # driver license state
+        nil, # third party check? 1=yes, 0=no
+        "#{@batch.batch_id}#{@client_id}", # CustTraceCode
+        nil, # image name
+        nil, # back image name
+        @txn_type, # Credit/Debit (default Debit)
+        nil, # Internal Account Number: date (in 4 digits: YYMM) + client id
+        @account_type,
+        #, nil, # ECC - Default Entry Class Code (??)
+        # nil, nil, nil, nil, # Deposit info
+        # nil, # CPA Code
+        # nil, nil, # scanned MICR info
+        # nil, nil # endorsement and image
+      ]
+    end
+  end
+
+  class AchRefund < AchPayment
+    # Arguments: client_id, client_name, amount, account_type, routing_number, account_number, check_number
+    def initialize(*args)
+      super
+      @txn_type = 'Credit'
+    end
+  end
+
+  class CreditCardPayment < Payment
+    # Arguments: client_id, client_name, amount, card_type, credit_card_number, expiration
+    def initialize(*args)
+      @card_type, @credit_card_number, @expiration = *super
+    end
+
+    def to_csv_data(options={})
+      # DCAS Example:
+          # HD,CompanyName,UserName,Password,CHECK 
+          # CA,111000753,1031103,42676345,50.99,,Darwin Rogers,1409 N AVE,,,75090,,,,,2919,,,,,Checking,,,,,,200
+          # CC,VISA,4118000000981234,04/2009,19.99,N,,162078,JACLYN ,545 Sheridan Ave,,,07203,,,,9872,,,2,3,1
+      [ # This is for credit card transactions
+        'CC',
+        @card_type, # Card Type
+        @credit_card_number, # Account Number
+        @expiration, # Expiration date (MM/YYYY)
+        @amount, # Amount (00.00)
+        'N', # Card Present
+        nil, # Card verification (if present)
+        nil, # invoice number
+        @client_name, # name # Larry Cummings @ DCAS Support: (972) 239-2327, ext 153 #OR# (972) 392-4654
+        nil, # address
+        nil, # city
+        nil, # state
+        nil, # zip
+        nil, # phone number
+        nil, # driver license number
+        nil, # driver license state
+        "#{@batch.batch_id}#{@client_id}", # CustTraceCode
+        @txn_type, # Credit/Debit (default Debit)
+        nil,
+        2,
+        3,
+        1,
+        nil
+      ]
+    end
+  end
+
+  class CreditCardRefund < Payment
+    # Arguments: client_id, client_name, amount, card_type, credit_card_number, expiration
+    def initialize(*args)
+      super
+      @txn_type = 'Credit'
+    end
+  end
+end