dpay 0.1.0

checksums.yaml

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data/CHANGELOG.md

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+# Changelog
+
+Wszystkie istotne zmiany w tym projekcie są dokumentowane w tym pliku.
+
+Format oparty na [Keep a Changelog](https://keepachangelog.com/pl/1.1.0/),
+projekt stosuje [Semantic Versioning](https://semver.org/lang/pl/).
+
+## [Unreleased]
+
+## [0.1.0] - 2026-07-23
+
+### Added
+
+- Klient `DPay::Client` z serwisami `payments`, `refunds`, `banks`, `blik`, `cards`, `payouts`.
+- Rejestracja płatności i szczegóły transakcji.
+- Zwroty pełne i częściowe oraz sprawdzanie dostępności zwrotu.
+- Lista banków globalna i dla punktu płatności.
+- Aliasy BLIK: rejestracja, wyrejestrowanie, status cykliczności.
+- Płatności kartowe S2S: klucz publiczny, OTP, preautoryzacja, capture, anulowanie, Google Pay, Apple Pay, DCC.
+- Szczegóły wypłat.
+- Weryfikacja IPN (`DPay::IpnVerifier`) z `DPay::IpnEvent::ACK`.
+- Wartości `DPay::Money` i `DPay::Currency` oraz pełna hierarchia błędów z markerem `DPay::Error`.
+- `DPay::Testing::MockHttpClient` do testów integracji.
+- Sygnatury RBS w `sig/`.
+
+### Notes
+
+- Zero zależności runtime; transport domyślny oparty na `net/http`.
+- Parytet wire-protocol z rodziną SDK dpay potwierdzony golden vectors.

data/LICENSE

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data/README.md

@@ -0,0 +1,191 @@
+# dpay Ruby SDK
+
+Oficjalna biblioteka Ruby do integracji z API płatności [dpay.pl](https://dpay.pl).
+
+## Wymagania
+
+- Ruby 3.1 lub nowszy
+- Zero zależności runtime
+
+## Instalacja
+
+```bash
+gem install dpay
+```
+
+Lub dopisz w `Gemfile`:
+
+```ruby
+gem "dpay"
+```
+
+## Szybki start
+
+```ruby
+require "dpay"
+
+dpay = DPay::Client.new(service: "nazwa_serwisu", secret_hash: "twoj_secret_hash")
+
+payment = dpay.payments.register(
+  DPay::RegisterPaymentRequest
+    .create(
+      DPay::Money.pln(1050),
+      DPay::TransactionType::TRANSFERS,
+      DPay::ReturnUrls.new(
+        "https://twojsklep.pl/sukces",
+        "https://twojsklep.pl/blad",
+        "https://twojsklep.pl/ipn"
+      )
+    )
+    .with_description("Zamówienie #1234")
+    .with_custom("order-1234")
+)
+
+redirect_to payment.redirect_url if payment.redirect_url
+```
+
+`DPay::Money.pln(1050)` przyjmuje kwotę w groszach (najmniejszej jednostce), czyli 10,50 PLN.
+`RegisterPaymentRequest` to budowniczy: każda metoda `with_*` zwraca `self`, więc wywołania można łączyć w łańcuch.
+
+## Obsługa IPN
+
+Brama traktuje jako potwierdzenie dokładnie treść odpowiedzi, nie kod HTTP. Musi to być dokładnie napis
+`"OK"` (dostępny jako stała `DPay::IpnEvent::ACK`) - jakikolwiek inna treść w body oznacza dla dpay.pl,
+że powiadomienie nie zostało obsłużone i zostanie wysłane ponownie.
+
+```ruby
+begin
+  event = DPay::IpnVerifier.construct_event(request.raw_post, "twoj_secret_hash")
+rescue DPay::SignatureVerificationError
+  return render plain: "Invalid signature", status: :bad_request
+end
+
+mark_order_as_paid(event.id, event.amount) if event.transfer? || event.capture?
+
+render plain: DPay::IpnEvent::ACK
+```
+
+`event.amount` to surowy string dziesiętny, a nie `DPay::Money` - payload IPN nie niesie informacji
+o walucie. Zawsze porównaj tę wartość z kwotą własnego zamówienia przed oznaczeniem go jako opłacone,
+zamiast ufać wyłącznie faktowi otrzymania powiadomienia.
+
+## Zwroty
+
+```ruby
+dpay.refunds.create("identyfikator-transakcji")
+dpay.refunds.create("identyfikator-transakcji", DPay::Money.pln(500), "reklamacja")
+
+availability = dpay.refunds.check_availability("identyfikator-transakcji")
+availability.available?
+```
+
+## Szczegóły transakcji i banki
+
+```ruby
+transaction = dpay.payments.details("identyfikator-transakcji")
+transaction.paid?
+transaction.available_refund_amount.to_decimal
+transaction.refunds
+
+banks = dpay.banks.for_service
+```
+
+## Karty S2S
+
+```ruby
+public_key = dpay.cards.public_key
+
+encrypted = DPay::CardEncryptor.new.encrypt(
+  DPay::CardData.new("4111111111111111", "123", "12/28"),
+  "identyfikator-transakcji",
+  public_key
+)
+
+device_info = DPay::DeviceInfo.create(
+  browser_accept_header: "text/html", browser_language: "pl-PL", browser_color_depth: 24,
+  browser_screen_height: 1080, browser_screen_width: 1920, browser_tz: -60,
+  browser_user_agent: "Mozilla/5.0", system_family: "Windows", geo_localization: "52.2297,21.0122",
+  device_id: "device-1", application_name: "sklep"
+)
+
+result = dpay.cards.pay_otp(
+  "identyfikator-transakcji",
+  DPay::CardPaymentRequest.create(device_info).with_encrypted_card_data(encrypted)
+)
+
+return render_html(result.three_ds_form_html) if result.three_ds_form?
+offer = result.dcc_offer if result.dcc_offer?
+```
+
+Klucz publiczny jest rotowany - pobieraj go przed każdą próbą płatności, nie przechowuj go u siebie.
+
+## Obsługa błędów
+
+Wszystkie wyjątki SDK dołączają moduł `DPay::Error`, więc `rescue DPay::Error` łapie każdy z nich.
+
+```ruby
+begin
+  payment = dpay.payments.register(request)
+rescue DPay::InvalidRequestError => e
+  e.field_errors
+rescue DPay::ApiError => e
+  e.http_status
+  e.error_code
+rescue DPay::TransportError
+  # błąd sieci - status płatności jest nieznany, sprawdź go przez payments.details()
+rescue DPay::Error => e
+  # dowolny inny błąd SDK, np. DPay::InvalidArgumentError
+end
+```
+
+| Wyjątek | Kiedy |
+|---|---|
+| `DPay::AuthenticationError` | HTTP 401 - niepoprawny checksum |
+| `DPay::InvalidRequestError` | HTTP 400 lub 422 - błędne dane wejściowe, patrz `field_errors` |
+| `DPay::AccessDeniedError` | HTTP 403 |
+| `DPay::NotFoundError` | HTTP 404 |
+| `DPay::RateLimitError` | HTTP 429, dodatkowo `retry_after`, `limit`, `remaining` |
+| `DPay::ApiServerError` | HTTP 5xx |
+| `DPay::PaymentRejectedError` | rejestracja płatności odrzucona mimo HTTP 200 |
+| `DPay::CardPaymentError` | płatność kartą odrzucona mimo HTTP 200 |
+| `DPay::SignatureVerificationError` | niepoprawny lub brakujący podpis IPN |
+| `DPay::TransportError` | błąd sieci lub transportu HTTP |
+| `DPay::InvalidArgumentError` | niepoprawny argument przekazany do SDK |
+
+## Konfiguracja
+
+| Opcja | Typ | Opis |
+|---|---|---|
+| `service` | `String` | Nazwa Punktu Płatności z panelu dpay.pl (wymagane) |
+| `secret_hash` | `String` | Klucz Secret Hash z panelu dpay.pl (wymagane) |
+| `timeout` | `Integer` | Timeout HTTP w sekundach (domyślnie `30`) |
+| `http_client` | obiekt z metodą `#request` | Własny transport, np. proxy, retry albo testy |
+| `base_urls` | `Hash` | Nadpisanie hostów API: `api_payments`, `panel`, `gateway` |
+
+## Testowanie integracji
+
+```ruby
+require "dpay/testing"
+
+transport = DPay::Testing::MockHttpClient.new
+transport.queue_json(200, { "transactionId" => "tx-1", "msg" => "https://secure.dpay.pl/pay/1" })
+
+dpay = DPay::Client.new(service: "test", secret_hash: "test", http_client: transport)
+
+request = DPay::RegisterPaymentRequest.create(
+  DPay::Money.pln(1050),
+  DPay::TransactionType::TRANSFERS,
+  DPay::ReturnUrls.new("https://twojsklep.pl/sukces", "https://twojsklep.pl/blad", "https://twojsklep.pl/ipn")
+)
+
+payment = dpay.payments.register(request)
+
+transport.last_request_body["value"] # => "10.50"
+```
+
+`DPay::Testing::MockHttpClient` implementuje ten sam interfejs co domyślny transport (`#request`), więc
+można go podać jako `http_client:` bez żadnych innych zmian w kodzie testowanym.
+
+## Licencja
+
+Apache-2.0

data/lib/dpay/bank/bank.rb

@@ -0,0 +1,28 @@
+# frozen_string_literal: true
+
+module DPay
+  class Bank
+    attr_reader :id, :name, :image, :on_from, :on_to, :iterator, :type, :raw
+
+    def self.from_api(data)
+      new(data)
+    end
+
+    def initialize(data)
+      @raw = data
+      @id = Internal::Coerce.string(data["id"]) || ""
+      @name = Internal::Coerce.string(data["name"]) || ""
+      @image = data["image"].is_a?(String) ? data["image"] : nil
+      @on_from = Internal::Coerce.integer(data["on_from"])
+      @on_to = Internal::Coerce.integer(data["on_to"])
+      @iterator = data["iterator"].nil? ? nil : Internal::Coerce.integer(data["iterator"])
+      @test = Internal::Coerce.boolean(data["test"])
+      @type = data["type"].is_a?(String) ? data["type"] : nil
+      freeze
+    end
+
+    def test?
+      @test
+    end
+  end
+end

data/lib/dpay/bank/bank_service.rb

@@ -0,0 +1,28 @@
+# frozen_string_literal: true
+
+module DPay
+  class BankService
+    PATH = "/api/v1/pbl/banks"
+
+    def initialize(api)
+      @api = api
+    end
+
+    def all
+      map_banks(@api.get_json(Internal::BaseUrls::PANEL, PATH))
+    end
+
+    def for_service(timestamp = nil)
+      body = { "service" => @api.service, "timestamp" => timestamp || Time.now.to_i }
+      body["checksum"] = @api.checksum.ordered_body(body.values)
+
+      map_banks(@api.post_json(Internal::BaseUrls::PANEL, PATH, body))
+    end
+
+    private
+
+    def map_banks(data)
+      Internal::Coerce.list(data).map { |bank| Bank.from_api(bank) }
+    end
+  end
+end

data/lib/dpay/blik/blik_alias.rb

@@ -0,0 +1,27 @@
+# frozen_string_literal: true
+
+module DPay
+  class BlikAlias
+    ACTIVE = "ACTIVE"
+
+    attr_reader :alias_value, :alias_type, :status, :expiration_date, :apps, :raw
+
+    def self.from_api(data)
+      new(data)
+    end
+
+    def initialize(data)
+      @raw = data
+      @alias_value = Internal::Coerce.string(data["alias_value"]) || ""
+      @alias_type = Internal::Coerce.string(data["alias_type"]) || BlikAliasType::UID
+      @status = data["status"].is_a?(String) ? data["status"] : nil
+      @expiration_date = data["expiration_date"].is_a?(String) ? data["expiration_date"] : nil
+      @apps = Internal::Coerce.list(data["apps"]).map { |app| BlikApp.from_api(app) }
+      freeze
+    end
+
+    def active?
+      @status == ACTIVE
+    end
+  end
+end

data/lib/dpay/blik/blik_alias_registration.rb

@@ -0,0 +1,21 @@
+# frozen_string_literal: true
+
+module DPay
+  class BlikAliasRegistration
+    def initialize(label, type = BlikAliasType::UID)
+      unless label.is_a?(String) && !label.empty? && label.length <= 50
+        raise InvalidArgumentError, "Alias label must be 1-50 characters"
+      end
+
+      BlikAliasType.assert_valid(type)
+
+      @label = label
+      @type = type
+      freeze
+    end
+
+    def to_h
+      { "label" => @label, "type" => @type }
+    end
+  end
+end

data/lib/dpay/blik/blik_alias_type.rb

@@ -0,0 +1,18 @@
+# frozen_string_literal: true
+
+module DPay
+  module BlikAliasType
+    UID = "UID"
+    PAYID = "PAYID"
+
+    ALL = [UID, PAYID].freeze
+
+    def self.valid?(value)
+      ALL.include?(value)
+    end
+
+    def self.assert_valid(value)
+      raise InvalidArgumentError, %(Invalid BLIK alias type "#{value}") unless valid?(value)
+    end
+  end
+end

data/lib/dpay/blik/blik_app.rb

@@ -0,0 +1,17 @@
+# frozen_string_literal: true
+
+module DPay
+  class BlikApp
+    attr_reader :key, :label
+
+    def self.from_api(data)
+      new(data)
+    end
+
+    def initialize(data)
+      @key = data["key"].is_a?(String) ? data["key"] : nil
+      @label = data["label"].is_a?(String) ? data["label"] : nil
+      freeze
+    end
+  end
+end

data/lib/dpay/blik/blik_recurring_registration.rb

@@ -0,0 +1,74 @@
+# frozen_string_literal: true
+
+module DPay
+  class BlikRecurringRegistration
+    MODELS = %w[A M O].freeze
+    FREQUENCY = /\A[1-9][0-9]{0,2}[DWMQY]\z/
+    DATE = /\A\d{4}-\d{2}-\d{2}\z/
+
+    def self.create(label, model, frequency)
+      new(label, model, frequency)
+    end
+
+    def initialize(label, model, frequency)
+      unless label.is_a?(String) && !label.empty? && label.length <= 50
+        raise InvalidArgumentError, "Alias label must be 1-50 characters"
+      end
+      raise InvalidArgumentError, %(Invalid recurring model "#{model}") unless MODELS.include?(model)
+      raise InvalidArgumentError, %(Invalid recurring frequency "#{frequency}") unless FREQUENCY.match?(frequency.to_s)
+
+      @label = label
+      @model = model
+      @frequency = frequency
+      @optional = {}
+    end
+
+    def with_value(value)
+      @optional["value"] = value.to_decimal
+      self
+    end
+
+    def with_limit_amt(limit_amt)
+      @optional["limit_amt"] = limit_amt
+      self
+    end
+
+    def with_tot_limit_amt(tot_limit_amt)
+      @optional["tot_limit_amt"] = tot_limit_amt
+      self
+    end
+
+    def with_limit_amt_fixed(fixed)
+      @optional["is_limit_amt_fixed"] = fixed
+      self
+    end
+
+    def with_expiration_date(expiration_date)
+      @optional["expiration_date"] = assert_date(expiration_date)
+      self
+    end
+
+    def with_init_date(init_date)
+      @optional["init_date"] = assert_date(init_date)
+      self
+    end
+
+    def to_h
+      base = { "label" => @label, "type" => BlikAliasType::PAYID, "model" => @model, "frequency" => @frequency }
+
+      %w[value limit_amt tot_limit_amt is_limit_amt_fixed expiration_date init_date].each do |key|
+        base[key] = @optional[key] if @optional.key?(key)
+      end
+
+      base
+    end
+
+    private
+
+    def assert_date(date)
+      raise InvalidArgumentError, %(Date "#{date}" must be in YYYY-MM-DD format) unless DATE.match?(date.to_s)
+
+      date
+    end
+  end
+end

data/lib/dpay/blik/blik_recurring_registration_info.rb

@@ -0,0 +1,26 @@
+# frozen_string_literal: true
+
+module DPay
+  class BlikRecurringRegistrationInfo
+    attr_reader :model, :frequency, :limit_amt, :tot_limit_amt, :limit_amt_fixed, :init_date, :label,
+                :registered_at, :raw
+
+    def self.from_api(data)
+      new(data)
+    end
+
+    def initialize(data)
+      @raw = data
+      @model = data["model"].is_a?(String) ? data["model"] : nil
+      @frequency = data["frequency"].is_a?(String) ? data["frequency"] : nil
+      @limit_amt = data["limit_amt"].is_a?(Integer) ? data["limit_amt"] : nil
+      @tot_limit_amt = data["tot_limit_amt"].is_a?(Integer) ? data["tot_limit_amt"] : nil
+      fixed = data["is_limit_amt_fixed"]
+      @limit_amt_fixed = fixed.is_a?(TrueClass) || fixed.is_a?(FalseClass) ? fixed : nil
+      @init_date = data["init_date"].is_a?(String) ? data["init_date"] : nil
+      @label = data["label"].is_a?(String) ? data["label"] : nil
+      @registered_at = data["registered_at"].is_a?(String) ? data["registered_at"] : nil
+      freeze
+    end
+  end
+end