instant_quote 1.7.18 → 1.7.19

checksums.yaml

@@ -1,7 +1,7 @@
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data/Gemfile.lock

@@ -1,7 +1,7 @@
 PATH
   remote: .
   specs:
-    instant_quote (1.7.18)
+    instant_quote (1.7.19)
       activesupport
       capital_on_tap (~> 1.0.1)
       iwoca (~> 1.1.0)

data/lib/instant_quote/decision_parsers/iwoca_webhook.rb

@@ -0,0 +1,112 @@
+# frozen_string_literal: true
+
+module InstantQuote
+  module DecisionParsers
+    # Example response:
+    #
+    # { data:
+    #   {
+    #     balance: {
+    #       principal: 0.0, interest: 0.0, product_fees: 0.0, other_fees: 0.0, total: 0.0
+    #     },
+    #     latest_approval_request: { status: "no_decision_possible" },
+    #     approval_requirements: [
+    #       { type: "cc", status: "required" },
+    #       { type: "bus_cc", status: "required" },
+    #       { type: "dir_guarantor", status: "required" },
+    #       { type: "enhanced_security_check", status: "pending" }
+    #     ],
+    #     funding_requirements: [
+    #       { status: "required", type: "fraud" },
+    #       { type: "docs", status: "required" },
+    #       { type: "enhanced_security_check", status: "pending" }
+    #     ]
+    #   }
+    # }
+    class IwocaWebhook < DecisionParser
+      STATUSES = {
+        pending: 'pending',
+        approved: 'approved',
+        declined: 'declined',
+        no_decision: 'no_decision_possible',
+        not_defined: 'not_defined'
+      }.freeze
+
+      LOAN_STATES = {
+        ongoing: 'ongoing',
+        ended: 'ended',
+        topup: 'topup',
+        pending: 'pending',
+        overdue: 'overdue',
+        duetoday: 'duetoday'
+      }.freeze
+
+      # iwoca sends an extra "data" key, that is removed here, to avoid having to do data[:data]
+      # because  it's silly :)
+      def initialize(data = {})
+        @data = super
+        @data = @data[:data] if @data.key?(:data)
+      end
+
+      def pending?
+        status == STATUSES[:not_defined]
+      end
+
+      def approved?
+        status == STATUSES[:approved]
+      end
+
+      def declined?
+        status == STATUSES[:declined]
+      end
+
+      def manual_review?
+        status == STATUSES[:pending]
+      end
+
+      def no_decision_possible?
+        status == STATUSES[:no_decision]
+      end
+
+      def loan_started?
+        data[:loan_status] == LOAN_STATES[:ongoing]
+      end
+
+      def amount
+        amount_approved = status_hash.dig(:approved, :max_credit) || 0
+
+        Money.new(amount_approved * 100).format
+      end
+
+      def credit_duration
+        status_hash.dig(:approved, :duration)
+      end
+
+      def credit_interval
+        status_hash.dig(:approved, :interval)
+      end
+
+      def monthly_interest_rate
+        rates = status_hash.dig(:approved, :rate_structures)
+
+        return 0 unless rates&.any?
+
+        rate_info = rates.first[:rates]&.first
+
+        return 0 unless rate_info
+
+        rate_info[:rate]
+      end
+
+      def status
+        status_hash[:status] || STATUSES[:not_defined]
+      end
+
+      private
+
+      def status_hash
+        data[:approval_status] || data[:latest_approval_request] || {}
+      end
+    end
+  end
+end

data/lib/instant_quote/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module InstantQuote
-  VERSION = '1.7.18'
+  VERSION = '1.7.19'
 end

data/lib/instant_quote/webhooks/iwoca.rb

@@ -42,6 +42,24 @@ module InstantQuote
         request.headers[SIGNATURE_HEADER]
       end
 
+      # The list of possible event types is:
+      # approval_status_changed
+      # customer_funded
+      # application_offered
+      # application_declined
+      # application_deferred
+      # cashflow_added
+      # mca_context_changed
+      # bank_account_setup
+      # application_status_changed
+      # application_attributed
+      # indicative_offer_created
+      # shopify_payment_resolve
+      # shopify_payment_reject
+      # shopify_refund_resolve
+      #
+      # More info:
+      # https://iwoca.stoplight.io/docs/lapi-notifications/b59ca8c181611-get-available-webhook-event-types
       def iwoca_event_type
         # Allowed Values: approval_status_changed, instruct_payments, customer_funded
         request.headers[EVENT_TYPE_HEADER]

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: instant_quote
 version: !ruby/object:Gem::Version
-  version: 1.7.18
+  version: 1.7.19
 platform: ruby
 authors:
 - rikas
 autorequire: 
 bindir: exe
 cert_chain: []
-date: 2023-08-24 00:00:00.000000000 Z
+date: 2023-08-30 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: activesupport
@@ -158,6 +158,7 @@ files:
 - lib/instant_quote/decision_parsers/iwoca_flexi24.rb
 - lib/instant_quote/decision_parsers/iwoca_recovery_loans.rb
 - lib/instant_quote/decision_parsers/iwoca_revenue_based_loans.rb
+- lib/instant_quote/decision_parsers/iwoca_webhook.rb
 - lib/instant_quote/decision_parsers/optimum.rb
 - lib/instant_quote/decision_parsers/youlend.rb
 - lib/instant_quote/version.rb