mangopay4-ruby-sdk 3.44.0

data/spec/mangopay/shared_resources.rb

@@ -0,0 +1,1380 @@
+###############################################
+shared_context 'users' do
+  ###############################################
+
+  let(:new_natural_user) { create_new_natural_user }
+  let(:new_natural_user_sca_payer) { create_new_natural_user_sca_payer }
+  let(:new_natural_user_sca_owner) { create_new_natural_user_sca_owner }
+  let(:new_legal_user_sca_payer) { create_new_legal_user_sca_payer }
+  let(:new_legal_user_sca_owner) { create_new_legal_user_sca_owner }
+
+  def define_new_natural_user
+    {
+      Tag: 'Test natural user',
+      Email: 'my@email.com',
+      FirstName: 'John',
+      LastName: 'Doe',
+      Address: {
+        AddressLine1: 'Le Palais Royal',
+        AddressLine2: '8 Rue de Montpensier',
+        City: 'Paris',
+        Region: '',
+        PostalCode: '75001',
+        Country: 'FR'
+      },
+      Birthday: 1_300_186_358,
+      Birthplace: 'Paris',
+      Nationality: 'FR',
+      CountryOfResidence: 'FR',
+      Occupation: 'Worker',
+      IncomeRange: 1,
+      TermsAndConditionsAccepted: true
+    }
+  end
+
+  def define_new_natural_user_sca_payer
+    {
+      "UserCategory": "PAYER",
+      "TermsAndConditionsAccepted": true,
+      "FirstName": "Alex",
+      "LastName": "Smith",
+      "Email": "alex.smith@example.com",
+      "Address": {
+        "AddressLine1": "3 rue de la Cité",
+        "AddressLine2": "Appartement 7",
+        "City": "Paris",
+        "Region": "Île-de-France",
+        "PostalCode": "75004",
+        "Country": "FR"
+      },
+      "Tag": "Created using the Mangopay API Postman collection",
+      "PhoneNumber": "0611111111",
+      "PhoneNumberCountry": "FR"
+    }
+  end
+
+  def define_new_natural_user_sca_owner
+    {
+      "UserCategory": "OWNER",
+      "TermsAndConditionsAccepted": true,
+      "FirstName": "Alex",
+      "LastName": "Smith",
+      "Email": "alex.smith@example.com",
+      "Address": {
+        "AddressLine1": "3 rue de la Cité",
+        "AddressLine2": "Appartement 7",
+        "City": "Paris",
+        "Region": "Île-de-France",
+        "PostalCode": "75004",
+        "Country": "FR"
+      },
+      "Birthday": 652117514,
+      "CountryOfResidence": "FR",
+      "Nationality": "FR",
+      "Tag": "Created using the Mangopay API Postman collection",
+      "PhoneNumber": "0611111111",
+      "PhoneNumberCountry": "FR"
+    }
+  end
+
+  def define_new_legal_user_sca_payer
+    {
+      "UserCategory": "PAYER",
+      "TermsAndConditionsAccepted": true,
+      "LegalPersonType": "SOLETRADER",
+      "Name": "Alex Smith",
+      "Email": "alex.smith.services@example.com",
+      "LegalRepresentative": {
+        "FirstName": "Alex",
+        "LastName": "Smith",
+        "Birthday": 652117514,
+        "Nationality": "FR",
+        "CountryOfResidence": "FR",
+        "Email": "alex.smith@example.com",
+        "PhoneNumber": "0611111111",
+        "PhoneNumberCountry": "FR"
+      },
+      "LegalRepresentativeAddress": {
+        "AddressLine1": "3 rue de la Cité",
+        "AddressLine2": "Appartement 7",
+        "City": "Paris",
+        "Region": "Île-de-France",
+        "PostalCode": "75004",
+        "Country": "FR"
+      },
+      "Tag": "Created using the Mangopay API Postman collection"
+    }
+  end
+
+  def define_new_legal_user_sca_owner
+    {
+      "UserCategory": "OWNER",
+      "TermsAndConditionsAccepted": true,
+      "LegalPersonType": "SOLETRADER",
+      "Name": "Alex Smith",
+      "Email": "alex.smith.services@example.com",
+      "LegalRepresentative": {
+        "FirstName": "Alex",
+        "LastName": "Smith",
+        "Birthday": 652117514,
+        "Nationality": "FR",
+        "CountryOfResidence": "FR",
+        "Email": "alex.smith@example.com",
+        "PhoneNumber": "0611111111",
+        "PhoneNumberCountry": "FR"
+      },
+      "CompanyNumber": "123456789",
+      "HeadquartersAddress": {
+        "AddressLine1": "3 rue de la Cité",
+        "AddressLine2": "Appartement 7",
+        "City": "Paris",
+        "Region": "Île-de-France",
+        "PostalCode": "75004",
+        "Country": "FR"
+      },
+      "LegalRepresentativeAddress": {
+        "AddressLine1": "3 rue de la Cité",
+        "AddressLine2": "Appartement 7",
+        "City": "Paris",
+        "Region": "Île-de-France",
+        "PostalCode": "75004",
+        "Country": "FR"
+      },
+      "Tag": "Created using the Mangopay API Postman collection"
+    }
+  end
+
+  def create_new_natural_user
+    MangoPay::NaturalUser.create(define_new_natural_user)
+  end
+
+  def create_new_natural_user_sca_payer
+    MangoPay::NaturalUserSca.create(define_new_natural_user_sca_payer)
+  end
+
+  def create_new_natural_user_sca_owner
+    MangoPay::NaturalUserSca.create(define_new_natural_user_sca_owner)
+  end
+
+  def create_new_legal_user_sca_payer
+    MangoPay::LegalUserSca.create(define_new_legal_user_sca_payer)
+  end
+
+  def create_new_legal_user_sca_owner
+    MangoPay::LegalUserSca.create(define_new_legal_user_sca_owner)
+  end
+
+  let(:new_legal_user) do
+    MangoPay::LegalUser.create(
+      Name: 'Super',
+      Email: 'super@email.com',
+      LegalPersonType: 'BUSINESS',
+      HeadquartersAddress: {
+        AddressLine1: '6 Parvis Notre-Dame',
+        AddressLine2: 'Pl. Jean-Paul II',
+        City: 'Paris',
+        Region: 'FR',
+        PostalCode: '75004',
+        Country: 'FR'
+      },
+      LegalRepresentativeFirstName: 'John',
+      LegalRepresentativeLastName: 'Doe',
+      LegalRepresentativeAdress: {
+        AddressLine1: '38 Rue de Montpensier',
+        AddressLine2: '',
+        City: 'Paris',
+        Region: '',
+        PostalCode: '75001',
+        Country: 'FR'
+      },
+      LegalRepresentativeEmail: 'john@doe.com',
+      LegalRepresentativeBirthday: 1_300_186_358,
+      LegalRepresentativeNationality: 'FR',
+      LegalRepresentativeCountryOfResidence: 'FR',
+      CompanyNumber: 'LU123456789',
+      Statute: '',
+      ProofOfRegistration: '',
+      ShareholderDeclaration: '',
+      TermsAndConditionsAccepted: true
+    )
+  end
+end
+
+###############################################
+shared_context 'wallets' do
+  ###############################################
+  include_context 'users'
+
+  let(:new_wallet) { create_new_wallet(new_natural_user) }
+  let(:new_wallet_legal) { create_new_wallet(new_legal_user) }
+
+  def create_new_wallet(user)
+    MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'EUR',
+      Tag: 'Test wallet'
+    )
+  end
+
+  def create_new_custom_wallet(user, currency)
+    MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: currency,
+      Tag: 'Test wallet'
+    )
+  end
+
+  def wallets_check_amounts(wlt1, amnt1, wlt2 = nil, amnt2 = nil)
+    expect(wlt1['Balance']['Amount']).to eq amnt1
+    expect(wlt2['Balance']['Amount']).to eq amnt2 if wlt2
+  end
+
+  def wallets_reload_and_check_amounts(wlt1, amnt1, wlt2 = nil, amnt2 = nil)
+    wlt1 = MangoPay::Wallet.fetch(wlt1['Id'])
+    wlt2 = MangoPay::Wallet.fetch(wlt2['Id']) if wlt2
+    wallets_check_amounts(wlt1, amnt1, wlt2, amnt2)
+  end
+end
+
+shared_context 'ubo' do
+  def new_ubo(user, ubo_declaration)
+    ubo = {
+      FirstName: 'John',
+      LastName: 'Doe',
+      Address: {
+        AddressLine1: '6 Parvis Notre-Dame',
+        AddressLine2: 'Pl. Jean-Paul II',
+        City: 'Paris',
+        Region: '',
+        PostalCode: '75004',
+        Country: 'FR'
+      },
+      Nationality: 'FR',
+      Birthday: 1_300_186_358,
+      Birthplace: {
+        City: 'Paris',
+        Country: 'FR'
+      }
+    }
+    MangoPay::Ubo.create(user['Id'], ubo_declaration['Id'], ubo)
+  end
+end
+
+###############################################
+shared_context 'bank_accounts' do
+  ###############################################
+  include_context 'users'
+
+  let(:new_bank_account) do
+    MangoPay::BankAccount.create(new_natural_user['Id'],
+                                 Type: 'IBAN',
+                                 OwnerName: 'John',
+                                 OwnerAddress: {
+                                   AddressLine1: 'Le Palais Royal',
+                                   AddressLine2: '8 Rue de Montpensier',
+                                   City: 'Paris',
+                                   Region: '',
+                                   PostalCode: '75001',
+                                   Country: 'FR'
+                                 },
+                                 IBAN: 'FR7630004000031234567890143',
+                                 BIC: 'BNPAFRPP',
+                                 Tag: 'Test bank account')
+  end
+end
+
+###############################################
+shared_context 'mandates' do
+  ###############################################
+  include_context 'bank_accounts'
+
+  let(:new_mandate) { create_new_mandate }
+
+  def create_new_mandate
+    MangoPay::Mandate.create(
+      BankAccountId: new_bank_account['Id'],
+      Culture: 'FR',
+      ReturnURL: MangoPay.configuration.root_url,
+      Tag: 'Test mandate'
+    )
+  end
+end
+
+###############################################
+shared_context 'kyc_documents' do
+  ###############################################
+  include_context 'users'
+
+  let(:new_document) { create_new_document(new_natural_user) }
+
+  def create_new_document(user)
+    MangoPay::KycDocument.create(user['Id'],
+                                 Type: 'IDENTITY_PROOF',
+                                 Tag: 'Test document')
+  end
+end
+
+###############################################
+shared_context 'payins' do
+  ###############################################
+  include_context 'users'
+  include_context 'wallets'
+  include_context 'mandates'
+
+  ###############################################
+  # directdebit/web
+  ###############################################
+
+  let(:new_payin_directdebit_web) do
+    MangoPay::PayIn::DirectDebit::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      DirectDebitType: 'GIROPAY',
+      ReturnURL: MangoPay.configuration.root_url,
+      Culture: 'FR',
+      Tag: 'Test PayIn/DirectDebit/Web'
+    )
+  end
+
+  ###############################################
+  # paypal/web
+  ###############################################
+
+  let(:new_payin_paypal_web) do
+    MangoPay::PayIn::PayPal::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      ReturnURL: MangoPay.configuration.root_url,
+      Culture: "FR",
+      Tag: 'Test PayIn/PayPal/Web'
+    )
+  end
+
+  ###############################################
+  # payconiq/web
+  ###############################################
+
+  let(:new_payin_payconiq_web) do
+    MangoPay::PayIn::Payconiq::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 100 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      ReturnURL: MangoPay.configuration.root_url,
+      Country: "BE",
+      Tag: 'Custom Meta'
+    )
+  end
+
+  let(:new_payin_payconiq_web_legacy) do
+    MangoPay::PayIn::Payconiq::Web.create_legacy(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 100 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      ReturnURL: MangoPay.configuration.root_url,
+      Country: "BE",
+      Tag: 'Custom Meta'
+    )
+  end
+
+  ###############################################
+  # applepay/direct
+  ###############################################
+
+  let(:new_payin_applepay_direct) do
+    MangoPay::PayIn::ApplePay::Direct.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
+      PaymentType: 'APPLEPAY',
+      PaymentData: {
+        TransactionId: '061EB32181A2D9CA42AD16031B476EEBAA62A9A095AD660E2759FBA52B51A61',
+        Network: 'VISA',
+        TokenData: "{\"version\":\"EC_v1\",\"data\":\"w4HMBVqNC9ghPP4zncTA\\/0oQAsduERfsx78oxgniynNjZLANTL6+0koEtkQnW\\/K38Zew8qV1GLp+fLHo+qCBpiKCIwlz3eoFBTbZU+8pYcjaeIYBX9SOxcwxXsNGrGLk+kBUqnpiSIPaAG1E+WPT8R1kjOCnGvtdombvricwRTQkGjtovPfzZo8LzD3ZQJnHMsWJ8QYDLyr\\/ZN9gtLAtsBAMvwManwiaG3pOIWpyeOQOb01YcEVO16EZBjaY4x4C\\/oyFLWDuKGvhbJwZqWh1d1o9JT29QVmvy3Oq2JEjq3c3NutYut4rwDEP4owqI40Nb7mP2ebmdNgnYyWfPmkRfDCRHIWtbMC35IPg5313B1dgXZ2BmyZRXD5p+mr67vAk7iFfjEpu3GieFqwZrTl3\\/pI5V8Sxe3SIYKgT5Hr7ow==\",\"signature\":\"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\",\"header\":{\"ephemeralPublicKey\":\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAE0rs3wRpirXjPbFDQfPRdfEzRIZDWm0qn7Y0HB0PNzV1DDKfpYrnhRb4GEhBF\\/oEXBOe452PxbCnN1qAlqcSUWw==\",\"publicKeyHash\":\"saPRAqS7TZ4bAYwzBj8ezDDC55ZolyH1FL+Xc8fd93o=\",\"transactionId\":\"b061eb32181a2d9ca42ad16031b476eebaa62a9a095ad660e2759fba52b51a61\"}}"
+      },
+      StatementDescriptor: "php",
+      ReturnURL: MangoPay.configuration.root_url,
+      Tag: 'Test PayIn/ApplePay/Direct'
+    )
+  end
+
+  ###############################################
+  # CANNOT BE TESTED AS WE CAN'T MOCK TOKEN GENERATION
+  # googlepay/direct
+  ###############################################
+  let(:new_payin_googlepay_direct) do
+    MangoPay::PayIn::GooglePay::Direct.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
+      StatementDescriptor: "ruby",
+      Tag: 'Test PayIn/GooglePay/Direct',
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C",
+      SecureModeReturnURL: 'http://test.com',
+      SecureMode: 'DEFAULT',
+      ReturnURL: 'https://mangopay.com/docs/please-ignore',
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "fr-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      PaymentData: "{\"signature\":\"MEUCIQCLXOan2Y9DobLVSOeD5V64Peayvz0ZAWisdz/1iTdthAIgVFb4Hve4EhtW81k46SiMlnXLIiCn1h2+vVQGjHe+sSo\\u003d\",\"intermediateSigningKey\":{\"signedKey\":\"{\\\"keyValue\\\":\\\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEDGRER6R6PH6K39YTIYX+CpDNej6gQgvi/Wx19SOPtiDnkjAl4/LF9pXlvZYe+aJH0Dy095I6BlfY8bNBB5gjPg\\\\u003d\\\\u003d\\\",\\\"keyExpiration\\\":\\\"1688521049102\\\"}\",\"signatures\":[\"MEYCIQDup1B+rkiPAWmpg7RmqY0NfgdGhmdyL8wvAX+6C1aOU2QIhAIZACSDQ/ZexIyEia5KrRlG2B+y3AnKNlhRzumRcnNOR\"]},\"protocolVersion\":\"ECv2\",\"signedMessage\":\"{\\\"encryptedMessage\\\":\\\"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\\\",\\\"ephemeralPublicKey\\\":\\\"BLY2+R8C0T+BSf/W3HEq305qH63IGmJxMVmbfJ6+x1V7GQg9W9v7eHc3j+8TeypVn+nRlPu98tivuMXECg+rWZs\\\\u003d\\\",\\\"tag\\\":\\\"MmEjNdLfsDNfYd/FRUjoJ4/IfLypNRqx8zgHfa6Ftmo\\\\u003d\\\"}\"}",
+      Billing: {
+        FirstName: 'FName',
+        LastName: 'LName',
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        }
+      },
+      Shipping: {
+        FirstName: 'FName',
+        LastName: 'LName',
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        }
+      }
+    )
+  end
+
+  ###############################################
+  # directdebit/direct
+  ###############################################
+
+  let(:new_payin_directdebit_direct) do
+    MangoPay::PayIn::DirectDebit::Direct.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      MandateId: new_mandate['Id'],
+      ReturnURL: MangoPay.configuration.root_url,
+      Tag: 'Test PayIn/DirectDebit/Direct'
+    )
+  end
+
+  ###############################################
+  # card/web
+  ###############################################
+
+  let(:new_payin_card_web) do
+    MangoPay::PayIn::Card::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      CardType: 'CB_VISA_MASTERCARD',
+      ReturnURL: MangoPay.configuration.root_url,
+      Culture: 'FR',
+      Tag: 'Test PayIn/Card/Web'
+    )
+  end
+
+  let(:new_payin_card_web_payline) do
+    MangoPay::PayIn::Card::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      CardType: 'CB_VISA_MASTERCARD',
+      ReturnURL: MangoPay.configuration.root_url,
+      Culture: 'FR',
+      Tag: 'Test PayIn/Card/Web',
+      TemplateURLOptions: { PAYLINEV2: "https://www.maysite.com/payline_template/" }
+    )
+  end
+
+  ###############################################
+  # card/direct
+  ###############################################
+
+  let(:new_card_registration) do
+    MangoPay::CardRegistration.create(
+      UserId: new_natural_user['Id'],
+      Currency: 'EUR',
+      Tag: 'Test Card Registration'
+    )
+  end
+
+  let(:new_card_registration_completed) do
+    # 1st step: create
+    cardreg = new_card_registration
+
+    # 2nd step: tokenize by payline (fills-in RegistrationData)
+    data = {
+      data: cardreg['PreregistrationData'],
+      accessKeyRef: cardreg['AccessKey'],
+      cardNumber: 4970107111111119,
+      cardExpirationDate: 1229,
+      cardCvx: 123 }
+
+    res = Net::HTTP.post_form(URI(cardreg['CardRegistrationURL']), data)
+    raise Exception, [res, res.body] unless res.is_a?(Net::HTTPOK) && res.body.start_with?('data=')
+
+    cardreg['RegistrationData'] = res.body
+
+    # 3rd step: update (fills-in CardId) and return it
+    MangoPay::CardRegistration.update(cardreg['Id'],
+                                      RegistrationData: cardreg['RegistrationData'])
+  end
+
+  let(:new_payin_card_direct) { create_new_payin_card_direct(new_wallet) }
+
+  ###############################################
+  # MBWAY/web
+  ###############################################
+  let(:new_payin_mbway_web) do
+    MangoPay::PayIn::Mbway::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
+      StatementDescriptor: "ruby",
+      Tag: 'Test PayIn/Mbway/Web',
+      Phone: '351#269458236'
+    )
+  end
+
+  ###############################################
+  # MULTIBANCO/web
+  ###############################################
+  let(:new_payin_multibanco_web) do
+    MangoPay::PayIn::Multibanco::Web.create(
+      AuthorId: new_natural_user['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
+      CreditedWalletId: new_wallet['Id'],
+      StatementDescriptor: "ruby",
+      Tag: 'Test PayIn/Multibanco/Web',
+      ReturnURL: 'http://www.my-site.com/returnURL'
+    )
+  end
+
+  ###############################################
+  # BLIK/web
+  ###############################################
+  let(:new_payin_blik_web) do
+    user = new_natural_user
+    wallet = MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'PLN',
+      Tag: 'Test wallet'
+    )
+    MangoPay::PayIn::Blik::Web.create(define_new_blik(user, wallet))
+  end
+
+  let(:new_payin_blik_web_with_code) do
+    user = new_natural_user
+    wallet = MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'PLN',
+      Tag: 'Test wallet'
+    )
+    blik = define_new_blik(user, wallet)
+    blik['Code'] = '777365'
+    blik['IpAddress'] = '159.180.248.187'
+    blik['BrowserInfo'] = {
+      AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+      JavaEnabled: true,
+      Language: "FR-FR",
+      ColorDepth: 4,
+      ScreenHeight: 1800,
+      ScreenWidth: 400,
+      JavascriptEnabled: true,
+      TimeZoneOffset: "+60",
+      UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+    }
+    MangoPay::PayIn::Blik::Web.create(blik)
+  end
+
+  def define_new_blik(user, wallet)
+    {
+      AuthorId: user['Id'],
+      CreditedWalletId: wallet['Id'],
+      DebitedFunds: { Currency: 'PLN', Amount: 199 },
+      Fees: { Currency: 'PLN', Amount: 1 },
+      StatementDescriptor: "ruby",
+      Tag: 'Test PayIn/Blik/Web',
+      ReturnURL: 'https://example.com'
+    }
+  end
+
+  ###############################################
+  # SATISPAY/web
+  ###############################################
+  let(:new_payin_satispay_web) do
+    MangoPay::PayIn::Satispay::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
+      StatementDescriptor: "ruby",
+      Tag: 'Test PayIn/Mbway/Web',
+      Country: 'IT',
+      ReturnURL: 'http://www.my-site.com/returnURL'
+    )
+  end
+
+  ###############################################
+  # KLARNA/web
+  ###############################################
+  let(:new_payin_klarna_web) do
+    MangoPay::PayIn::Klarna::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 400 },
+      Fees: { Currency: 'EUR', Amount: 10 },
+      ReturnURL: 'http://www.my-site.com/returnURL',
+      LineItems: [
+        {
+          Name: "running shoes",
+          Quantity: 1,
+          UnitAmount: 200,
+          TaxAmount: 0,
+          Description: "seller1 ID"
+        },
+        {
+          Name: "running shoes",
+          Quantity: 1,
+          UnitAmount: 200,
+          TaxAmount: 0,
+          Description: "seller2 ID"
+        }
+      ],
+      Country: 'FR',
+      Culture: 'FR',
+      Phone: '33#607080900',
+      Email: 'mango@mangopay.com',
+      AdditionalData: '{}',
+      Billing: {
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        },
+        FirstName: 'Joe',
+        LastName: 'Blogs'
+      },
+      Shipping: {
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        },
+        FirstName: 'Joe',
+        LastName: 'Blogs'
+      },
+      Reference: 'afd48-879d-48fg',
+      Tag: 'Test PayIn/Klarna/Web'
+    )
+  end
+
+  ###############################################
+  # IDEAL/web
+  ###############################################
+  let(:new_payin_ideal_web) do
+    MangoPay::PayIn::Ideal::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 400 },
+      Fees: { Currency: 'EUR', Amount: 10 },
+      ReturnURL: 'http://www.my-site.com/returnURL',
+      Bic: 'REVOLT21',
+      StatementDescriptor: "test",
+      Tag: 'Test PayIn/Ideal/Web'
+    )
+  end
+
+  ###############################################
+  # Giropay/web
+  ###############################################
+  let(:new_payin_giropay_web) do
+    MangoPay::PayIn::Giropay::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 400 },
+      Fees: { Currency: 'EUR', Amount: 10 },
+      ReturnURL: 'http://www.my-site.com/returnURL',
+      StatementDescriptor: "test",
+      Tag: 'Test PayIn/Giropay/Web'
+    )
+  end
+
+  ###############################################
+  # Bancontact/web
+  ###############################################
+  let(:new_payin_bancontact_web) do
+    MangoPay::PayIn::Bancontact::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 400 },
+      Fees: { Currency: 'EUR', Amount: 10 },
+      ReturnURL: 'http://www.my-site.com/returnURL',
+      StatementDescriptor: "test",
+      Tag: 'Test PayIn/Bancontact/Web',
+      Culture: 'FR'
+    )
+  end
+
+  ###############################################
+  # Bizum/web
+  ###############################################
+  let(:new_payin_bizum_web_with_phone) do
+    user = new_natural_user
+    wallet = new_wallet
+    bizum = define_new_bizum(user, wallet, '+34700000000', nil)
+    MangoPay::PayIn::Bizum::Web.create(bizum)
+  end
+
+  let(:new_payin_bizum_web_with_return_url) do
+    user = new_natural_user
+    wallet = new_wallet
+    bizum = define_new_bizum(user, wallet, nil, 'https://docs.mangopay.com/please-ignore')
+    MangoPay::PayIn::Bizum::Web.create(bizum)
+  end
+
+  def define_new_bizum(user, wallet, phone, return_url)
+    {
+      AuthorId: user['Id'],
+      CreditedWalletId: wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 400 },
+      Fees: { Currency: 'EUR', Amount: 1 },
+      StatementDescriptor: "test bizum",
+      Phone: phone,
+      ReturnUrl: return_url,
+      Tag: 'Test PayIn/Bizum/Web',
+      ProfilingAttemptReference: nil
+    }
+  end
+
+  ###############################################
+  # Twint/web
+  ###############################################
+  let(:new_payin_twint_web) do
+    MangoPay::PayIn::Twint::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: create_new_custom_wallet(new_natural_user, 'CHF')['Id'],
+      DebitedFunds: { Currency: 'CHF', Amount: 50 },
+      Fees: { Currency: 'CHF', Amount: 10 },
+      ReturnURL: 'http://www.my-site.com/returnURL',
+      StatementDescriptor: "test",
+      Tag: 'Test PayIn/Twint/Web'
+    )
+  end
+
+  ###############################################
+  # Swish/web
+  ###############################################
+  let(:new_payin_swish_web) do
+    MangoPay::PayIn::Swish::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: create_new_custom_wallet(new_natural_user, 'SEK')['Id'],
+      DebitedFunds: { Currency: 'SEK', Amount: 400 },
+      Fees: { Currency: 'SEK', Amount: 10 },
+      ReturnURL: 'http://www.my-site.com/returnURL',
+      StatementDescriptor: "test",
+      Tag: 'Test PayIn/Swish/Web'
+    )
+  end
+
+  ###############################################
+  # PAYPAL/web V2
+  ###############################################
+  let(:new_payin_paypal_web_v2) do
+    MangoPay::PayIn::PayPal::Web.create_v2(
+      AuthorId: new_natural_user['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 400 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      CreditedWalletId: new_wallet['Id'],
+      ReturnUrl: "http://example.com",
+      LineItems: [
+        {
+          Name: "running shoes",
+          Quantity: 1,
+          UnitAmount: 200,
+          TaxAmount: 0,
+          Description: "seller1 ID"
+        },
+        {
+          Name: "running shoes",
+          Quantity: 1,
+          UnitAmount: 200,
+          TaxAmount: 0,
+          Description: "seller2 ID"
+        }
+      ],
+      Shipping: {
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        },
+        FirstName: 'Joe',
+        LastName: 'Blogs'
+      },
+      ShippingPreference: "GET_FROM_FILE",
+      StatementDescriptor: "ruby",
+      Tag: 'Test',
+    # Culture: 'FR'
+    )
+  end
+
+  def create_new_payin_card_direct(to_wallet, amnt = 1000)
+    cardreg = new_card_registration_completed
+    MangoPay::PayIn::Card::Direct.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: to_wallet['Owners'][0],
+      CreditedWalletId: to_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      CardType: 'CB_VISA_MASTERCARD',
+      CardId: cardreg['CardId'],
+      SecureModeReturnURL: 'http://test.com',
+      Tag: 'Test PayIn/Card/Direct',
+      Requested3DSVersion: 'V2_1',
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
+    )
+  end
+
+  ###############################################
+  # card/direct with pre-authorization
+  ###############################################
+
+  let(:new_card_preauthorization) { create_new_card_preauthorization(new_card_registration_completed) }
+
+  def create_new_card_preauthorization(cardreg, amnt = 1000)
+    MangoPay::PreAuthorization.create(
+      AuthorId: new_natural_user['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      CardId: cardreg['CardId'],
+      SecureMode: 'DEFAULT',
+      SecureModeReturnURL: 'http://test.com',
+      Tag: 'Test Card PreAuthorization',
+      Requested3DSVersion: 'V2_1',
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
+    )
+  end
+
+  let(:new_payin_preauthorized_direct) { create_new_payin_preauthorized_direct(new_wallet) }
+
+  def create_new_payin_preauthorized_direct(to_wallet, amnt = 1000)
+    preauth = new_card_preauthorization
+    MangoPay::PayIn::PreAuthorized::Direct.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: to_wallet['Owners'][0],
+      CreditedWalletId: to_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      PreauthorizationId: preauth['Id'],
+      Tag: 'Test PayIn/PreAuthorized/Direct',
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
+    )
+  end
+
+  def create_card_validation(author_id, card_id)
+    params = {
+      AuthorId: author_id,
+      SecureModeReturnURL: "https://mangopay.com",
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C",
+      Tag: "custom meta",
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      }
+    }
+    MangoPay::Card.validate(card_id, params)
+  end
+
+  ###############################################
+  # pre-authorized direct deposit
+  ###############################################
+
+  def create_new_payin_pre_authorized_deposit_direct(deposit_id, author_id, credited_wallet_id)
+    MangoPay::PayIn::PreAuthorized::Direct.create_pre_authorized_deposit_pay_in(
+      AuthorId: author_id,
+      CreditedWalletId: credited_wallet_id,
+      DebitedFunds: { Currency: 'EUR', Amount: 500 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      DepositId: deposit_id,
+      Tag: 'lorem ipsum'
+    )
+  end
+
+  def create_new_deposit_pre_authorized_pay_in_prior_to_complement(deposit_id, author_id, credited_wallet_id)
+    MangoPay::PayIn::PreAuthorized::Direct.create_deposit_preauthorized_pay_in_prior_to_complement(
+      AuthorId: author_id,
+      CreditedWalletId: credited_wallet_id,
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      DepositId: deposit_id,
+      Tag: 'lorem ipsum'
+    )
+  end
+
+  def create_new_deposit_pre_authorized_pay_in_complement(deposit_id, author_id, credited_wallet_id)
+    MangoPay::PayIn::PreAuthorized::Direct.create_deposit_preauthorized_pay_in_complement(
+      AuthorId: author_id,
+      CreditedWalletId: credited_wallet_id,
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      DepositId: deposit_id,
+      Tag: 'lorem ipsum'
+    )
+  end
+
+  ###############################################
+  # bankwire/direct
+  ###############################################
+
+  let(:new_payin_bankwire_direct) { create_new_payin_bankwire_direct(new_wallet) }
+
+  def create_new_payin_bankwire_direct(to_wallet, amnt = 1000)
+    MangoPay::PayIn::BankWire::Direct.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: to_wallet['Owners'][0],
+      CreditedWalletId: to_wallet['Id'],
+      DeclaredDebitedFunds: { Currency: 'EUR', Amount: amnt },
+      DeclaredFees: { Currency: 'EUR', Amount: 0 },
+      Tag: 'Test PayIn/BankWire/Direct'
+    )
+  end
+
+  ###############################################
+  # wallet with money
+  ###############################################
+  #
+  let(:new_wallet_with_money) { create_new_wallet_with_money(new_natural_user) }
+
+  def create_new_wallet_with_money(user)
+    wallet = MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'EUR',
+      Tag: 'Test wallet'
+    )
+
+    pay_in = create_new_payin_card_direct(wallet)
+    MangoPay::Wallet.fetch(pay_in['CreditedWalletId'])
+  end
+
+  let(:new_payin_paybybank_web) do
+    MangoPay::PayIn::PayByBank::Web.create(
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: create_new_custom_wallet(new_natural_user, 'EUR')['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 400 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      ReturnURL: 'http://www.my-site.com/returnURL',
+      StatementDescriptor: "test",
+      Tag: 'Test PayIn/PayByBank/Web',
+      Country: 'DE',
+      IBAN: 'DE03500105177564668331',
+      BIC: 'AACSDE33',
+      Scheme: 'SEPA_INSTANT_CREDIT_TRANSFER',
+      BankName: 'de-demobank-open-banking-embedded-templates',
+      Culture: 'EN',
+      PaymentFlow: 'WEB'
+    )
+  end
+
+end
+
+###############################################
+shared_context 'payouts' do
+  ###############################################
+  include_context 'bank_accounts'
+
+  let(:new_payout_bankwire) { create_new_payout_bankwire(new_payin_card_direct) }
+
+  def create_new_payout_bankwire(payin, amnt = 500)
+    MangoPay::PayOut::BankWire.create(
+      AuthorId: payin['CreditedUserId'],
+      DebitedWalletId: payin['CreditedWalletId'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      BankAccountId: new_bank_account['Id'],
+      Communication: 'This is a test',
+      Tag: 'Test PayOut/Bank/Wire',
+      PayoutModeRequested: 'Standard'
+    )
+  end
+end
+
+###############################################
+shared_context 'transfers' do
+  ###############################################
+  include_context 'users'
+  include_context 'wallets'
+  include_context 'payins'
+
+  let(:new_transfer) do
+    wlt1 = new_wallet
+    wlt2 = new_wallet_legal
+    create_new_payin_card_direct(wlt1, 1000) # feed wlt1 with money
+    create_new_transfer(wlt1, wlt2, 500) # transfer wlt1 => wlt2
+  end
+
+  def create_new_transfer(from_wallet, to_wallet, amnt = 500)
+    MangoPay::Transfer.create(
+      AuthorId: from_wallet['Owners'][0],
+      DebitedWalletId: from_wallet['Id'],
+      CreditedUserId: to_wallet['Owners'][0],
+      CreditedWalletId: to_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      Tag: 'Test transfer'
+    )
+  end
+end
+
+###############################################
+shared_context 'hooks' do
+  ###############################################
+  let(:new_hook) do
+    hooks = MangoPay::Hook.fetch('page' => 1, 'per_page' => 1)
+    if hooks.empty?
+      MangoPay::Hook.create(
+        EventType: 'PAYIN_NORMAL_CREATED',
+        Url: 'http://test.com',
+        Tag: 'Test hook'
+      )
+    else
+      hooks[0]
+    end
+  end
+end
+
+###############################################
+shared_context 'bankingaliases' do
+  ###############################################
+  include_context 'users'
+  include_context 'wallets'
+
+  let(:new_banking_alias) do
+    MangoPay::BankingAliasesIBAN.create({
+                                          CreditedUserId: new_natural_user['Id'],
+                                          WalletId: new_wallet['Id'],
+                                          OwnerName: new_natural_user['FirstName'],
+                                          Country: 'LU'
+                                        }, new_wallet['Id'])
+  end
+end
+
+###############################################
+# deposits
+###############################################
+
+def create_new_deposit(card_registration_id, author_id)
+  MangoPay::Deposit.create(
+    {
+      AuthorId: author_id,
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      CardId: card_registration_id,
+      SecureModeReturnURL: 'http://mangopay-sandbox-test.com',
+      StatementDescriptor: "lorem",
+      Culture: 'FR',
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C",
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      Billing: {
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        },
+        FirstName: 'Joe',
+        LastName: 'Blogs'
+      },
+      Shipping: {
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        },
+        FirstName: 'Joe',
+        LastName: 'Blogs'
+      }
+    }
+  )
+end
+
+###############################################
+# instant conversions
+###############################################
+shared_context 'instant_conversion' do
+  include_context 'payins'
+
+  def get_conversion_rate(debited_currency, credited_currency)
+    MangoPay::Conversion.get_rate(debited_currency, credited_currency, params = {})
+  end
+
+  def create_instant_conversion()
+    user = new_natural_user
+    credited_wallet = MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'GBP',
+      Tag: 'Test wallet'
+    )
+
+    MangoPay::Conversion.create_instant_conversion(
+      AuthorId: user['Id'],
+      CreditedWalletId: credited_wallet['Id'],
+      DebitedWalletId: new_wallet_with_money['Id'],
+      CreditedFunds: {
+        Currency: 'GBP'
+      },
+      DebitedFunds: {
+        Currency: 'EUR',
+        Amount: 79
+      },
+      Fees: {
+        Currency: 'EUR',
+        Amount: 9
+      },
+      Tag: 'Instant conversion test'
+    )
+  end
+
+  def create_quoted_conversion()
+    user = new_natural_user
+    credited_wallet = MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'GBP',
+      Tag: 'Test wallet'
+    )
+    quote = create_conversion_quote
+
+    MangoPay::Conversion.create_quoted_conversion(
+      AuthorId: user['Id'],
+      QuoteId: quote['Id'],
+      CreditedWalletId: credited_wallet['Id'],
+      DebitedWalletId: new_wallet_with_money['Id'],
+      Tag: 'Quoted conversion test'
+    )
+  end
+
+  def create_conversion_quote
+    MangoPay::Conversion.create_quote(
+      CreditedFunds:  { Currency: 'GBP' },
+      DebitedFunds:  { Currency: 'EUR', Amount: 50 },
+      Duration: 300,
+      Tag: 'Created using the Mangopay Ruby SDK'
+    )
+  end
+
+  def get_conversion(id)
+    MangoPay::Conversion.get(id, params = {})
+  end
+
+  def get_conversion_quote(id)
+    MangoPay::Conversion.get_quote(id, params = {})
+  end
+end
+
+###############################################
+# payment methods metadata
+###############################################
+shared_context 'payment_method_metadata' do
+  include_context 'payins'
+
+  def get_payment_method_metadata
+
+    wlt = new_wallet
+    pay_in = create_new_payin_card_direct(wlt, 1000)
+
+    MangoPay::PaymentMethodMetadata.get_metadata(
+      Type: 'BIN',
+      Bin: pay_in['CardInfo']['BIN']
+    )
+  end
+end
+
+###############################################
+shared_context 'virtual_account' do
+  ###############################################
+  include_context 'users'
+  include_context 'wallets'
+
+  def new_virtual_account(wallet_id)
+    create_virtual_account = {
+      Country: 'FR',
+      VirtualAccountPurpose: 'Collection',
+      Tag: 'create virtual account tag'
+    }
+
+    MangoPay::VirtualAccount.create(wallet_id, create_virtual_account)
+  end
+end
+
+shared_context 'recipient' do
+  include_context 'users'
+
+  let(:new_recipient) { create_new_recipient(create_new_natural_user_sca_owner['Id']) }
+
+  def create_new_recipient(user_id)
+    MangoPay::Recipient.create(define_new_recipient, user_id)
+  end
+
+  def define_new_recipient
+    {
+      "DisplayName": "Alex Smith GBP account",
+      "PayoutMethodType": "LocalBankTransfer",
+      "RecipientType": "Individual",
+      "Currency": "GBP",
+      "Country": "GB",
+      "IndividualRecipient": {
+        "FirstName": "Alex",
+        "LastName": "Smith",
+        "Address": {
+          "AddressLine1": "10 Kingsway",
+          "City": "London",
+          "PostalCode": "WC2B 6LH",
+          "Country": "GB"
+        }
+      },
+      "LocalBankTransfer": {
+        "GBP": {
+          "SortCode": "200000",
+          "AccountNumber": "55779911"
+        }
+      }
+    }
+  end
+end
+
+shared_context 'intents' do
+  include_context 'users'
+
+  let(:new_payin_intent_authorization) { create_new_payin_intent_authorization(create_new_natural_user_sca_payer) }
+
+  def create_new_payin_intent_authorization(user)
+    MangoPay::PayIn::PayInIntent::Authorization.create(define_new_payin_intent_authorization(user))
+  end
+
+  def define_new_payin_intent_authorization(user)
+    wallet = create_new_wallet(user)
+    {
+      "Amount": 1000,
+      "Currency": "EUR",
+      "ExternalData": {
+        "ExternalProcessingDate": 1728133765,
+        "ExternalProviderReference": SecureRandom.uuid,
+        "ExternalMerchantReference": "Order-xyz-35e8490e-2ec9-4c82-978e-c712a3f5ba16",
+        "ExternalProviderName": "Stripe",
+        "ExternalProviderPaymentMethod": "PAYPAL"
+      },
+      "Buyer": {
+        "Id": user['Id']
+      },
+      "LineItems": [
+        {
+          "Seller": {
+            "AuthorId": user['Id'],
+            "WalletId": wallet['Id'],
+            "TransferDate": 1728133765
+          },
+          "Sku": "item-123456",
+          "Quantity": 1,
+          "UnitAmount": 1000,
+        }
+      ]
+    }
+  end
+end