gonow-activemerchant 1.15.0

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

@@ -0,0 +1,321 @@
+require File.dirname(__FILE__) + '/orbital/orbital_soft_descriptors.rb'
+require "rexml/document"
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # For more information on Orbital, visit the {integration center}[http://download.chasepaymentech.com]
+    #     
+    # ==== Authentication Options
+    # 
+    # The Orbital Gateway supports two methods of authenticating incoming requests:
+    # Source IP authentication and Connection Username/Password authentication
+    # 
+    # In addition, these IP addresses/Connection Usernames must be affiliated with the Merchant IDs 
+    # for which the client should be submitting transactions.
+    # 
+    # This does allow Third Party Hosting service organizations presenting on behalf of other 
+    # merchants to submit transactions.  However, each time a new customer is added, the 
+    # merchant or Third-Party hosting organization needs to ensure that the new Merchant IDs 
+    # or Chain IDs are affiliated with the hosting companies IPs or Connection Usernames.
+    # 
+    # If the merchant expects to have more than one merchant account with the Orbital 
+    # Gateway, it should have its IP addresses/Connection Usernames affiliated at the Chain 
+    # level hierarchy within the Orbital Gateway.  Each time a new merchant ID is added, as
+    # long as it is placed within the same Chain, it will simply work.  Otherwise, the additional 
+    # MIDs will need to be affiliated with the merchant IPs or Connection Usernames respectively.
+    # For example, we generally affiliate all Salem accounts [BIN 000001] with 
+    # their Company Number [formerly called MA #] number so all MIDs or Divisions under that 
+    # Company will automatically be affiliated.
+    
+    class OrbitalGateway < Gateway
+      API_VERSION = "4.6"
+      
+      POST_HEADERS = {
+        "MIME-Version" => "1.0",
+        "Content-Type" => "Application/PTI46",
+        "Content-transfer-encoding" => "text",
+        "Request-number" => '1',
+        "Document-type" => "Request",
+        "Interface-Version" => "Ruby|ActiveMerchant|Proprietary Gateway"
+      }
+      
+      SUCCESS, APPROVED = '0', '00'
+      
+      class_attribute :primary_test_url, :secondary_test_url, :primary_live_url, :secondary_live_url
+      
+      self.primary_test_url = "https://orbitalvar1.paymentech.net/authorize"
+      self.secondary_test_url = "https://orbitalvar2.paymentech.net/authorize"
+      
+      self.primary_live_url = "https://orbital1.paymentech.net/authorize"
+      self.secondary_live_url = "https://orbital2.paymentech.net/authorize"
+      
+      self.supported_countries = ["US", "CA"]
+      self.default_currency = "CAD"
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover, :diners_club, :jcb]
+      
+      self.display_name = 'Orbital Paymentech'
+      self.homepage_url = 'http://chasepaymentech.com/'
+      
+      self.money_format = :cents
+            
+      CURRENCY_CODES = { 
+        "AUD" => '036',
+        "CAD" => '124',
+        "CZK" => '203',
+        "DKK" => '208',
+        "HKD" => '344',
+        "ICK" => '352',
+        "JPY" => '392',
+        "MXN" => '484',
+        "NZD" => '554',
+        "NOK" => '578',
+        "SGD" => '702',
+        "SEK" => '752',
+        "CHF" => '756',
+        "GBP" => '826',
+        "USD" => '840',
+        "EUR" => '978'
+      }
+
+      def initialize(options = {})
+        unless options[:ip_authentication] == true
+          requires!(options, :login, :password, :merchant_id)
+          @options = options
+        end
+        super
+      end
+      
+      # A – Authorization request
+      def authorize(money, creditcard, options = {})
+        order = build_new_order_xml('A', money, options) do |xml|
+          add_creditcard(xml, creditcard, options[:currency])        
+          add_address(xml, creditcard, options)   
+        end
+        commit(order)
+      end
+      
+      # AC – Authorization and Capture
+      def purchase(money, creditcard, options = {})
+        order = build_new_order_xml('AC', money, options) do |xml|
+          add_creditcard(xml, creditcard, options[:currency])
+          add_address(xml, creditcard, options)   
+        end
+        commit(order)
+      end                       
+      
+      # MFC - Mark For Capture
+      def capture(money, authorization, options = {})
+        commit(build_mark_for_capture_xml(money, authorization, options))
+      end
+      
+      # R – Refund request
+      def refund(money, authorization, options = {})
+        order = build_new_order_xml('R', money, options.merge(:authorization => authorization)) do |xml|
+          add_refund(xml, options[:currency])
+        end
+        commit(order)
+      end
+
+      def credit(money, authorization, options= {})
+        deprecated CREDIT_DEPRECATION_MESSAGE
+        refund(money, authorization, options)
+      end
+      
+      # setting money to nil will perform a full void
+      def void(money, authorization, options = {})
+        order = build_void_request_xml(money, authorization, options)
+        commit(order)
+      end
+    
+      private                       
+            
+      def add_customer_data(xml, options)
+        if options[:customer_ref_num]
+          xml.tag! :CustomerProfileFromOrderInd, 'S'
+          xml.tag! :CustomerRefNum, options[:customer_ref_num]
+        else
+          xml.tag! :CustomerProfileFromOrderInd, 'A'
+        end
+      end
+      
+      def add_soft_descriptors(xml, soft_desc)
+        xml.tag! :SDMerchantName, soft_desc.merchant_name
+        xml.tag! :SDProductDescription, soft_desc.product_description
+        xml.tag! :SDMerchantCity, soft_desc.merchant_city
+        xml.tag! :SDMerchantPhone, soft_desc.merchant_phone
+        xml.tag! :SDMerchantURL, soft_desc.merchant_url
+        xml.tag! :SDMerchantEmail, soft_desc.merchant_email
+      end
+
+      def add_address(xml, creditcard, options)      
+        if address = options[:billing_address] || options[:address]
+          xml.tag! :AVSzip, address[:zip]
+          xml.tag! :AVSaddress1, address[:address1]
+          xml.tag! :AVSaddress2, address[:address2]
+          xml.tag! :AVScity, address[:city]
+          xml.tag! :AVSstate, address[:state]
+          xml.tag! :AVSphoneNum, address[:phone] ? address[:phone].scan(/\d/).to_s : nil
+          xml.tag! :AVSname, creditcard.name
+          xml.tag! :AVScountryCode, address[:country]
+        end
+      end
+
+      def add_creditcard(xml, creditcard, currency=nil)
+        xml.tag! :AccountNum, creditcard.number
+        xml.tag! :Exp, expiry_date(creditcard)
+        
+        xml.tag! :CurrencyCode, currency_code(currency)
+        xml.tag! :CurrencyExponent, '2' # Will need updating to support currencies such as the Yen.
+        
+        xml.tag! :CardSecVal,  creditcard.verification_value if creditcard.verification_value?
+      end
+      
+      def add_refund(xml, currency=nil)
+        xml.tag! :AccountNum, nil
+        
+        xml.tag! :CurrencyCode, currency_code(currency)
+        xml.tag! :CurrencyExponent, '2' # Will need updating to support currencies such as the Yen.
+      end
+      
+      def parse(body)
+        response = {}
+        xml = REXML::Document.new(body)
+        root = REXML::XPath.first(xml, "//Response") ||
+               REXML::XPath.first(xml, "//ErrorResponse")
+        if root
+          root.elements.to_a.each do |node|
+            recurring_parse_element(response, node)
+          end
+        end
+        response
+      end     
+      
+      def recurring_parse_element(response, node)
+        if node.has_elements?
+          node.elements.each{|e| recurring_parse_element(response, e) }
+        else
+          response[node.name.underscore.to_sym] = node.text
+        end
+      end
+      
+      def commit(order)
+        headers = POST_HEADERS.merge("Content-length" => order.size.to_s)
+        request = lambda {return parse(ssl_post(remote_url, order, headers))}
+        
+        # Failover URL will be used in the event of a connection error
+        begin response = request.call; rescue ConnectionError; retry end
+        
+        Response.new(success?(response), message_from(response), response,
+          {:authorization => "#{response[:tx_ref_num]};#{response[:order_id]}",
+           :test => self.test?,
+           :avs_result => {:code => response[:avs_resp_code]},
+           :cvv_result => response[:cvv2_resp_code]
+          }
+        )
+      end
+      
+      def remote_url
+        unless $!.class == ActiveMerchant::ConnectionError
+          self.test? ? self.primary_test_url : self.primary_live_url
+        else
+          self.test? ? self.secondary_test_url : self.secondary_live_url
+        end
+      end
+
+      def success?(response)
+        if response[:message_type] == "R"
+          response[:proc_status] == SUCCESS
+        else
+          response[:proc_status] == SUCCESS &&
+          response[:resp_code] == APPROVED 
+        end
+      end
+      
+      def message_from(response)
+        success?(response) ? 'APPROVED' : response[:resp_msg] || response[:status_msg]
+      end
+      
+      def ip_authentication?
+        @options[:ip_authentication] == true
+      end
+
+      def build_new_order_xml(action, money, parameters = {})
+        requires!(parameters, :order_id)
+        xml = Builder::XmlMarkup.new(:indent => 2)
+        xml.instruct!(:xml, :version => '1.0', :encoding => 'UTF-8')
+        xml.tag! :Request do
+          xml.tag! :NewOrder do
+            xml.tag! :OrbitalConnectionUsername, @options[:login] unless ip_authentication?
+            xml.tag! :OrbitalConnectionPassword, @options[:password] unless ip_authentication?
+            xml.tag! :IndustryType, "EC" # E-Commerce transaction 
+            xml.tag! :MessageType, action
+            xml.tag! :BIN, '000002' # PNS Tampa
+            xml.tag! :MerchantID, @options[:merchant_id]
+            xml.tag! :TerminalID, parameters[:terminal_id] || '001'            
+            
+            yield xml if block_given?
+            
+            xml.tag! :Comments, parameters[:comments] if parameters[:comments]
+            xml.tag! :OrderID, parameters[:order_id].to_s[0...22]
+            xml.tag! :Amount, amount(money)
+            
+            # Append Transaction Reference Number at the end for Refund transactions
+            if action == "R"
+              tx_ref_num, _ = parameters[:authorization].split(';')
+              xml.tag! :TxRefNum, tx_ref_num
+            end
+          end
+        end
+        xml.target!
+      end
+      
+      def build_mark_for_capture_xml(money, authorization, parameters = {})
+        tx_ref_num, order_id = authorization.split(';')
+        xml = Builder::XmlMarkup.new(:indent => 2)
+        xml.instruct!(:xml, :version => '1.0', :encoding => 'UTF-8')
+        xml.tag! :Request do
+          xml.tag! :MarkForCapture do
+            xml.tag! :OrbitalConnectionUsername, @options[:login] unless ip_authentication?
+            xml.tag! :OrbitalConnectionPassword, @options[:password] unless ip_authentication?
+            xml.tag! :OrderID, order_id
+            xml.tag! :Amount, amount(money)
+            xml.tag! :BIN, '000002' # PNS Tampa
+            xml.tag! :MerchantID, @options[:merchant_id]
+            xml.tag! :TerminalID, parameters[:terminal_id] || '001'
+            xml.tag! :TxRefNum, tx_ref_num
+          end
+        end
+        xml.target!
+      end
+      
+      def build_void_request_xml(money, authorization, parameters = {})
+        requires!(parameters, :transaction_index)
+        tx_ref_num, order_id = authorization.split(';')
+        xml = Builder::XmlMarkup.new(:indent => 2)
+        xml.instruct!(:xml, :version => '1.0', :encoding => 'UTF-8')
+        xml.tag! :Request do
+          xml.tag! :Reversal do
+            xml.tag! :OrbitalConnectionUsername, @options[:login] unless ip_authentication?
+            xml.tag! :OrbitalConnectionPassword, @options[:password] unless ip_authentication?
+            xml.tag! :TxRefNum, tx_ref_num
+            xml.tag! :TxRefIdx, parameters[:transaction_index]
+            xml.tag! :AdjustedAmt, amount(money)
+            xml.tag! :OrderID, order_id
+            xml.tag! :BIN, '000002' # PNS Tampa
+            xml.tag! :MerchantID, @options[:merchant_id]
+            xml.tag! :TerminalID, parameters[:terminal_id] || '001'
+          end
+        end
+        xml.target!
+      end
+      
+      def currency_code(currency)
+        CURRENCY_CODES[(currency || self.default_currency)].to_s
+      end
+      
+      def expiry_date(credit_card)
+        "#{format(credit_card.month, :two_digits)}#{format(credit_card.year, :two_digits)}"
+      end
+    end
+  end
+end

data/lib/active_merchant/billing/gateways/orbital/orbital_soft_descriptors.rb

@@ -0,0 +1,46 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class OrbitalSoftDescriptors
+      include Validateable
+      
+      PHONE_FORMAT_1 = /\A\d{3}-\d{3}-\d{4}\z/
+      PHONE_FORMAT_2 = /\A\d{3}-\w{7}\z/
+      
+      # ==== Tampa PNS Soft Descriptors
+      # The support for Soft Descriptors via the PNS Host is only for customers processing through Chase 
+      # Paymentech Canada. 
+
+      # Unlike Salem, the only value that gets passed on the cardholder statement is the Merchant Name field.  
+      # And for these customers, it is a maximum of 25 bytes of data. 
+      # 
+      # All other Soft Descriptor fields can optionally be sent, but will not be submitted to the settlement host 
+      # and will not display on the cardholder statement.
+      
+      attr_accessor :merchant_name, :product_description, :merchant_city, :merchant_phone, :merchant_url, :merchant_email
+      
+      def initialize(options = {})
+        self.merchant_name = options[:merchant_name]
+        self.merchant_city = options[:merchant_city]
+        self.merchant_phone = options[:merchant_phone]
+        self.merchant_url = options[:merchant_url]
+        self.merchant_email = options[:merchant_email]
+      end
+      
+      def validate
+        errors.add(:merchant_name, "is required") if self.merchant_name.blank?
+        errors.add(:merchant_name, "is required to be 25 bytes or less") if self.merchant_name.bytesize > 25
+        
+        unless self.merchant_phone.blank? || self.merchant_phone.match(PHONE_FORMAT_1) || self.merchant_phone.match(PHONE_FORMAT_2)
+          errors.add(:merchant_phone, "is required to follow \"NNN-NNN-NNNN\" or \"NNN-AAAAAAA\" format")
+        end
+        
+        [:merchant_email, :merchant_url].each do |attr|
+          unless self.send(attr).blank?
+            errors.add(attr, "is required to be 13 bytes or less") if self.send(attr).bytesize > 13
+          end
+        end
+      end
+      
+    end
+  end
+end

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

@@ -0,0 +1,392 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # PayJunction Gateway
+    #
+    # This gateway accepts the following arguments:
+    #   :login    => your PayJunction username
+    #   :password => your PayJunction pass
+    # 
+    # Example use:
+    #
+    #   gateway = ActiveMerchant::Billing::Base.gateway(:pay_junction).new(
+    #               :login => "my_account", 
+    #               :password => "my_pass"
+    #            )
+    #
+    #   # set up credit card obj as in main ActiveMerchant example
+    #   creditcard = ActiveMerchant::Billing::CreditCard.new(
+    #     :type       => 'visa',
+    #     :number     => '4242424242424242',
+    #     :month      => 8,
+    #     :year       => 2009,
+    #     :first_name => 'Bob',
+    #     :last_name  => 'Bobsen'
+    #   )
+    #
+    #   # optionally specify address if using AVS
+    #   address = { :address1 => '101 Test Ave', :city => 'Test', :state => 'TS',
+    #               :zip  => '10101', :country => 'US' }
+    #
+    #   # run request
+    #   response = gateway.purchase(1000, creditcard, :address => address) # charge 10 dollars
+    #
+    # 1) Check whether the transaction was successful
+    #
+    #   response.success?
+    #
+    # 2) Retrieve the message returned by PayJunction
+    #
+    #   response.message
+    #
+    # 3) Retrieve the unique transaction ID returned by PayJunction
+    #
+    #   response.authorization
+    #
+    # This gateway supports "instant" transactions. These transactions allow you
+    # to execute an operation on a previously run card without card information
+    # provided you have the transaction id from a previous transaction with the
+    # same card. All functions that take a credit card object for this gateway
+    # can take a transaction id string instead.
+    #
+    # Test Transactions
+    #
+    # See the source for initialize() for test account information. Note that
+    # PayJunction does not allow test transactions on your account, so if the 
+    # gateway is running in :test mode your transaction will be run against
+    # PayJunction's global test account and will not show up in your account.
+    #
+    # Transactions ran on this account go through a test processor, so there is no 
+    # need to void or otherwise cancel transactions. However, for further safety, 
+    # please use the special card numbers 4433221111223344 or 4444333322221111 and 
+    # keep transaction amounts below $4.00 when testing.  
+    #
+    # Also note, transactions ran for an amount between $0.00 and $1.99 will likely
+    # result in denial. To demonstrate approvals, use amounts between $2.00 and $4.00.
+    #
+    # Test transactions can be checked by logging into
+    # PayJunction Web Login with username 'pj-cm-01' and password 'pj-cm-01p'
+    #
+    # Usage Details
+    # 
+    # Below is a map of values accepted by PayJunction and how you should submit
+    # each to ActiveMerchant
+    #
+    # PayJunction Field       ActiveMerchant Use
+    # 
+    # dc_logon                provide as :login value to gateway instantation
+    # dc_password             provide as :password value to gateway instantiation
+    #
+    # dc_name                 will be retrieved from credit_card.name
+    # dc_first_name           :first_name on CreditCard object instantation
+    # dc_last_name            :last_name  on CreditCard object instantation
+    # dc_number               :number     on CreditCard object instantation
+    # dc_expiration_month     :month      on CreditCard object instantation
+    # dc_expiration_year      :year       on CreditCard object instantation
+    # dc_verification_number  :verification_value on CC object instantation
+    #
+    # dc_transaction_amount   include as argument to method for your transaction type
+    # dc_transaction_type     do nothing, set by your transaction type
+    # dc_version              do nothing, always "1.2"
+    #
+    # dc_transaction_id       submit as a string in place of CreditCard obj for
+    #                         "instant" transactions.
+    #
+    # dc_invoice              :order_id in options for transaction method
+    # dc_notes                :description in options for transaction method
+    #
+    # See example use above for address AVS fields
+    # See #recurring for periodic transaction fields
+    class PayJunctionGateway < Gateway
+      API_VERSION   = '1.2'
+
+      class_attribute :test_url, :live_url
+
+      self.test_url = "https://www.payjunctionlabs.com/quick_link"
+      self.live_url = "https://payjunction.com/quick_link"
+
+      TEST_LOGIN = 'pj-ql-01'
+      TEST_PASSWORD = 'pj-ql-01p'
+      
+      SUCCESS_CODES = ["00", "85"]
+      SUCCESS_MESSAGE = 'The transaction was approved.'
+      
+      FAILURE_MESSAGE = 'The transaction was declined.'
+      
+      DECLINE_CODES = {
+        "AE"  => 'Address verification failed because address did not match.',
+        'ZE'  => 'Address verification failed because zip did not match.',
+        'XE'  => 'Address verification failed because zip and address did not match.',
+        'YE'  => 'Address verification failed because zip and address did not match.',
+        'OE'  => 'Address verification failed because address or zip did not match.',
+        'UE'  => 'Address verification failed because cardholder address unavailable.',
+        'RE'  => 'Address verification failed because address verification system is not working.',
+        'SE'  => 'Address verification failed because address verification system is unavailable.',
+        'EE'  => 'Address verification failed because transaction is not a mail or phone order.',
+        'GE'  => 'Address verification failed because international support is unavailable.',
+        'CE'  => 'Declined because CVV2/CVC2 code did not match.',
+        '04'  => 'Declined. Pick up card.',
+        '07'  => 'Declined. Pick up card (Special Condition).',
+        '41'  => 'Declined. Pick up card (Lost).',
+        '43'  => 'Declined. Pick up card (Stolen).',
+        '13'  => 'Declined because of the amount is invalid.',
+        '14'  => 'Declined because the card number is invalid.',
+        '80'  => 'Declined because of an invalid date.',
+        '05'  => 'Declined. Do not honor.',
+        '51'  => 'Declined because of insufficient funds.',
+        'N4'  => 'Declined because the amount exceeds issuer withdrawal limit.',
+        '61'  => 'Declined because the amount exceeds withdrawal limit.',
+        '62'  => 'Declined because of an invalid service code (restricted).',
+        '65'  => 'Declined because the card activity limit exceeded.',
+        '93'  => 'Declined because there a violation (the transaction could not be completed).',
+        '06'  => 'Declined because address verification failed.',
+        '54'  => 'Declined because the card has expired.',
+        '15'  => 'Declined because there is no such issuer.',
+        '96'  => 'Declined because of a system error.',
+        'N7'  => 'Declined because of a CVV2/CVC2 mismatch.',
+        'M4'  => 'Declined.', 
+        "FE"  => "There was a format error with your Trinity Gateway Service (API) request.",
+        "LE"  => "Could not log you in (problem with dc_logon and/or dc_password).",
+        'NL'  => 'Aborted because of a system error, please try again later. ',
+        'AB'  => 'Aborted because of an upstream system error, please try again later.'
+      }
+      
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+      self.supported_countries = ['US']
+      self.homepage_url = 'http://www.payjunction.com/'
+      self.display_name = 'PayJunction'
+
+      def initialize(options = {})
+        requires!(options, :login, :password)
+        @options = options
+        super
+      end
+      
+      # The first half of the preauth(authorize)/postauth(capture) model.
+      # Checks to make sure funds are available for a transaction, and returns a
+      # transaction_id that can be used later to postauthorize (capture) the funds.
+      def authorize(money, payment_source, options = {})
+        parameters = {
+          :transaction_amount => amount(money),
+        }                                                             
+        
+        add_payment_source(parameters, payment_source)
+        add_address(parameters, options)
+        add_optional_fields(parameters, options)
+        commit('AUTHORIZATION', parameters)
+      end
+      
+      # A simple sale, capturing funds immediately.
+      # Execute authorization and capture in a single step.
+      def purchase(money, payment_source, options = {})        
+        parameters = {
+          :transaction_amount => amount(money),
+        }                                                             
+        
+        add_payment_source(parameters, payment_source)
+        add_address(parameters, options)
+        add_optional_fields(parameters, options)
+        commit('AUTHORIZATION_CAPTURE', parameters)
+      end
+
+      # The second half of the preauth(authorize)/postauth(capture) model.
+      # Retrieve funds that have been previously authorized with _authorization_
+      def capture(money, authorization, options = {})
+        parameters = {
+          :transaction_id => authorization,
+          :posture => 'capture'
+        }
+        
+        add_optional_fields(parameters, options)                                          
+        commit('update', parameters)
+      end
+      
+      # Return money to a card that was previously billed.
+      # _authorization_ should be the transaction id of the transaction we are returning.
+      def credit(money, authorization, options = {})  
+        parameters = {
+          :transaction_amount => amount(money),
+          :transaction_id => authorization
+        }
+
+        commit('CREDIT', parameters)
+      end
+
+      # Cancel a transaction that has been charged but has not yet made it
+      # through the batch process.
+      def void(authorization, options = {})
+        parameters = {
+          :transaction_id => authorization,
+          :posture => 'void'
+        }
+
+        add_optional_fields(parameters, options)
+        commit('update', parameters)
+      end
+
+      # Set up a sale that will be made on a regular basis for the same amount 
+      # (ex. $20 a month for 12 months)
+      #
+      # The parameter :periodicity should be specified as either :monthly, :weekly, or :daily
+      # The parameter :payments should be the number of payments to be made
+      #
+      #   gateway.recurring('2000', creditcard, :periodicity => :monthly, :payments => 12)
+      #
+      # The optional parameter :starting_at takes a date or time argument or a string in 
+      # YYYYMMDD format and can be used to specify when the first charge will be made. 
+      # If omitted the first charge will be immediate.      
+      def recurring(money, payment_source, options = {})        
+        requires!(options, [:periodicity, :monthly, :weekly, :daily], :payments)
+      
+        periodic_type = case options[:periodicity]
+        when :monthly
+          'month'
+        when :weekly
+          'week'
+        when :daily
+          'day'
+        end
+        
+        if options[:starting_at].nil?
+          start_date = Time.now.strftime('%Y-%m-%d')
+        elsif options[:starting_at].is_a?(String)
+          sa = options[:starting_at]
+          start_date = "#{sa[0..3]}-#{sa[4..5]}-#{sa[6..7]}"
+        else
+          start_date = options[:starting_at].strftime('%Y-%m-%d')
+        end
+        
+        parameters = {
+          :transaction_amount => amount(money),
+          :schedule_periodic_type => periodic_type,
+          :schedule_create => 'true',
+          :schedule_limit => options[:payments].to_i > 1 ? options[:payments] : 1,
+          :schedule_periodic_number => 1,
+          :schedule_start => start_date
+        }
+        
+        add_payment_source(parameters, payment_source)
+        add_optional_fields(parameters, options)
+        add_address(parameters, options)                                   
+        commit('AUTHORIZATION_CAPTURE', parameters)
+      end
+      
+      def test?
+        test_login? || @options[:test] || super
+      end
+
+      private
+      
+      def test_login?
+        @options[:login] == TEST_LOGIN && @options[:password] == TEST_PASSWORD
+      end
+      
+      # add fields depending on payment source selected (cc or transaction id)
+      def add_payment_source(params, source)
+        if source.is_a?(String)
+          add_billing_id(params, source)
+        else
+          add_creditcard(params, source)
+        end
+      end
+      
+      # add fields for credit card
+      def add_creditcard(params, creditcard)
+        params[:name]                 = creditcard.name
+        params[:number]               = creditcard.number
+        params[:expiration_month]     = creditcard.month
+        params[:expiration_year]      = creditcard.year 
+        params[:verification_number]  = creditcard.verification_value if creditcard.verification_value?
+      end
+      
+      # add field for "instant" transaction, using previous transaction id
+      def add_billing_id(params, billingid)
+        params[:transaction_id] = billingid
+      end
+      
+      # add address fields if present
+      def add_address(params, options)
+        address = options[:billing_address] || options[:address]
+        
+        if address          
+          params[:address]  = address[:address1] unless address[:address1].blank?
+          params[:city]      = address[:city]     unless address[:city].blank?
+          params[:state]     = address[:state]    unless address[:state].blank?
+          params[:zipcode]   = address[:zip]      unless address[:zip].blank?
+          params[:country]   = address[:country]  unless address[:country].blank?
+        end     
+      end
+      
+      def add_optional_fields(params, options)
+        params[:notes] = options[:description] unless options[:description].blank?
+        params[:invoice] = options[:order_id].to_s.gsub(/[^-\/\w.,']/, '') unless options[:order_id].blank?
+      end
+      
+      def commit(action, parameters)
+        url = test? ? self.test_url : self.live_url
+
+        response = parse( ssl_post(url, post_data(action, parameters)) )
+        
+        Response.new(successful?(response), message_from(response), response, 
+          :test => test?, 
+          :authorization => response[:transaction_id] || parameters[:transaction_id]
+        )
+      end
+      
+      def successful?(response)
+        SUCCESS_CODES.include?(response[:response_code]) || response[:query_status] == true
+      end
+      
+      def message_from(response)
+        if successful?(response)
+          SUCCESS_MESSAGE
+        else
+          DECLINE_CODES[response[:response_code]] || FAILURE_MESSAGE
+        end
+      end
+      
+      def post_data(action, params)
+        if test?
+          # test requests must use global test account
+          params[:logon]      = TEST_LOGIN
+          params[:password]   = TEST_PASSWORD
+        else
+          params[:logon]      = @options[:login]
+          params[:password]   = @options[:password]
+        end
+        params[:version] = API_VERSION
+        params[:transaction_type] = action
+        
+        params.reject{|k,v| v.blank?}.collect{ |k, v| "dc_#{k.to_s}=#{CGI.escape(v.to_s)}" }.join("&")
+      end
+      
+      def parse(body)
+        # PayJunction uses the Field Separator ASCII character to separate key/val
+        # pairs in the response. The <FS> character's octal value is 034.
+        #
+        # Sample response:
+        # 
+        # transaction_id=44752<FS>response_code=M4<FS>response_message=Declined (INV TEST CARD).  
+        
+        pairs = body.chomp.split("\034")
+        response = {}
+        pairs.each do |pair|
+          key, val = pair.split('=')
+          response[key[3..-1].to_sym] = val ? normalize(val) : nil
+        end
+        response
+      end
+      
+      # Make a ruby type out of the response string
+      def normalize(field)
+        case field
+        when "true"   then true
+        when "false"  then false
+        when ""       then nil
+        when "null"   then nil
+        else field
+        end        
+      end
+      
+    end
+  end
+end