merb_merchant 1.4.1

data/lib/merb_merchant/billing/gateways/authorize_net_cim.rb

@@ -0,0 +1,702 @@
+module MerbMerchant #:nodoc:
+  module Billing #:nodoc:
+    # ==== Custotmer Information Manager (CIM)
+    # 
+    # The Authorize.Net Customer Information Manager (CIM) is an optional additional service that allows you to store sensitive payment information on
+    # Authorize.Net's servers, simplifying payments for returning customers and recurring transactions. It can also help with Payment Card Industry (PCI) 
+    # Data Security Standard compliance, since customer data is no longer stored locally.
+    # 
+    # To use the AuthorizeNetCimGateway CIM must be enabled for your account.
+    # 
+    # Information about CIM is available on the {Authorize.Net website}[http://www.authorize.net/solutions/merchantsolutions/merchantservices/cim/].
+    # Information about the CIM API is available at the {Authorize.Net Integration Center}[http://developer.authorize.net/]
+    # 
+    # ==== Login and Password
+    # 
+    # The login and password are not the username and password you use to 
+    # login to the Authorize.Net Merchant Interface. Instead, you will 
+    # use the API Login ID as the login and Transaction Key as the 
+    # password.
+    # 
+    # ==== How to Get Your API Login ID and Transaction Key
+    #
+    # 1. Log into the Merchant Interface
+    # 2. Select Settings from the Main Menu
+    # 3. Click on API Login ID and Transaction Key in the Security section
+    # 4. Type in the answer to the secret question configured on setup
+    # 5. Click Submit
+    class AuthorizeNetCimGateway < Gateway
+    
+      class_inheritable_accessor :test_url, :live_url
+
+      self.test_url = 'https://apitest.authorize.net/xml/v1/request.api'
+      self.live_url = 'https://api.authorize.net/xml/v1/request.api'
+      
+      AUTHORIZE_NET_CIM_NAMESPACE = 'AnetApi/xml/v1/schema/AnetApiSchema.xsd'
+
+      CIM_ACTIONS = {
+        :create_customer_profile => 'createCustomerProfile',
+        :create_customer_payment_profile => 'createCustomerPaymentProfile',
+        :create_customer_shipping_address => 'createCustomerShippingAddress',
+        :get_customer_profile => 'getCustomerProfile',
+        :get_customer_payment_profile => 'getCustomerPaymentProfile',
+        :get_customer_shipping_address => 'getCustomerShippingAddress',
+        :delete_customer_profile => 'deleteCustomerProfile',
+        :delete_customer_payment_profile => 'deleteCustomerPaymentProfile',
+        :delete_customer_shipping_address => 'deleteCustomerShippingAddress',
+        :update_customer_profile => 'updateCustomerProfile',
+        :update_customer_payment_profile => 'updateCustomerPaymentProfile',
+        :update_customer_shipping_address => 'updateCustomerShippingAddress',
+        :create_customer_profile_transaction => 'createCustomerProfileTransaction',
+        :validate_customer_payment_profile => 'validateCustomerPaymentProfile'
+      }
+      
+      CIM_TRANSACTION_TYPES = {
+        :auth_capture => 'profileTransAuthCapture',
+        :auth_only => 'profileTransAuthOnly',
+        :capture_only => 'profileTransCaptureOnly'
+      }
+
+      CIM_VALIDATION_MODES = {
+        :none => 'none',
+        :test => 'testMode',
+        :live => 'liveMode'
+      }
+      
+      BANK_ACCOUNT_TYPES = {
+        :checking => 'checking',
+        :savings => 'savings',
+        :business_checking => 'businessChecking'
+      }
+      
+      ECHECK_TYPES = {
+        :ccd => 'CCD',
+        :ppd => 'PPD'
+      }
+      
+      self.homepage_url = 'http://www.authorize.net/'
+      self.display_name = 'Authorize.Net CIM'
+      self.supported_countries = ['US']
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+    
+      # Creates a new AuthorizeNetCimGateway
+      #
+      # The gateway requires that a valid API Login ID and Transaction Key be passed
+      # in the +options+ hash.
+      #
+      # ==== Options
+      #
+      # * <tt>:login</tt> -- The Authorize.Net API Login ID (REQUIRED)
+      # * <tt>:password</tt> -- The Authorize.Net Transaction Key. (REQUIRED)
+      # * <tt>:test</tt> -- +true+ or +false+. If true, perform transactions against the test server. 
+      #   Otherwise, perform transactions against the production server.
+      def initialize(options = {})
+        requires!(options, :login, :password)
+        @options = options
+        super
+      end
+
+      # Creates a new customer profile along with any customer payment profiles and customer shipping addresses
+      # for the customer profile.
+      # 
+      # Returns a Response with the Customer Profile ID of the new customer profile in the authorization field. 
+      # It is *CRITICAL* that you save this ID. There is no way to retrieve this through the API. You will not 
+      # be able to create another Customer Profile with the same information.
+      #
+      # ==== Options
+      #
+      # TODO
+      def create_customer_profile(options)
+        # TODO Add requires
+        request = build_request(:create_customer_profile, options)
+        commit(:create_customer_profile, request)
+      end
+
+      # Creates a new customer payment profile for an existing customer profile.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer the payment profile will be added to. (REQUIRED)
+      # * <tt>:payment_profile</tt> -- A hash containing the elements of the new payment profile (REQUIRED)
+      #
+      # ==== Payment Profile
+      #
+      # * <tt>:payment</tt> -- A hash containing information on payment. Either :credit_card or :bank_account (REQUIRED)
+      def create_customer_payment_profile(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :payment_profile)
+        requires!(options[:payment_profile], :payment)
+        
+        request = build_request(:create_customer_payment_profile, options)
+        commit(:create_customer_payment_profile, request)
+      end
+
+      # Creates a new customer shipping address for an existing customer profile.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer the payment profile will be added to. (REQUIRED)
+      # * <tt>:address</tt> -- A hash containing the elements of the shipping address (REQUIRED)
+      def create_customer_shipping_address(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :address)
+        
+        request = build_request(:create_customer_shipping_address, options)
+        commit(:create_customer_shipping_address, request)
+      end
+
+      # Deletes an existing customer profile along with all associated customer payment profiles and customer shipping addresses.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to be deleted. (REQUIRED)
+      def delete_customer_profile(options)
+        requires!(options, :customer_profile_id)
+
+        request = build_request(:delete_customer_profile, options)
+        commit(:delete_customer_profile, request)
+      end
+
+      # Deletes a customer payment profile from an existing customer profile.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be deleted. (REQUIRED)
+      # * <tt>:customer_payment_profile_id</tt> -- The Payment Profile ID of the payment profile to be deleted. (REQUIRED)
+      def delete_customer_payment_profile(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :customer_payment_profile_id)
+
+        request = build_request(:delete_customer_payment_profile, options)
+        commit(:delete_customer_payment_profile, request)
+      end
+
+      # Deletes a customer shipping address from an existing customer profile.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be deleted. (REQUIRED)
+      # * <tt>:customer_address_id</tt> -- The Shipping Address ID of the shipping address to be deleted. (REQUIRED)
+      def delete_customer_shipping_address(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :customer_address_id)
+
+        request = build_request(:delete_customer_shipping_address, options)
+        commit(:delete_customer_shipping_address, request)
+      end
+
+      # Retrieves an existing customer profile along with all the associated customer payment profiles and customer shipping addresses.
+      #
+      # Returns a Response whose params hash contains all the profile information.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to retrieve. (REQUIRED)
+      def get_customer_profile(options)
+        requires!(options, :customer_profile_id)
+
+        request = build_request(:get_customer_profile, options)
+        commit(:get_customer_profile, request)
+      end
+
+      # Retrieve a customer payment profile for an existing customer profile.
+      #
+      # Returns a Response whose params hash contains all the payment profile information. Sensitive information such as credit card 
+      # numbers will be masked.
+      # 
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be retrieved. (REQUIRED)
+      # * <tt>:customer_payment_profile_id</tt> -- The Payment Profile ID of the payment profile to be retrieved. (REQUIRED)
+      def get_customer_payment_profile(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :customer_payment_profile_id)
+
+        request = build_request(:get_customer_payment_profile, options)
+        commit(:get_customer_payment_profile, request)
+      end
+
+      # Retrieve a customer shipping address for an existing customer profile.
+      #
+      # Returns a Response whose params hash contains all the shipping address information. 
+      # 
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be retrieved. (REQUIRED)
+      # * <tt>:customer_address_id</tt> -- The Shipping Address ID of the shipping address to be retrieved. (REQUIRED)
+      def get_customer_shipping_address(options)
+        requires!(options, :customer_profile_id)
+        requires!(options, :customer_address_id)
+
+        request = build_request(:get_customer_shipping_address, options)
+        commit(:get_customer_shipping_address, request)
+      end
+
+      # Updates an existing customer profile. 
+      # 
+      # Warning: if you do not provide a parameter in the <tt>:payment_profile</tt> hash, it is automatically set to nil at 
+      # Authorize.Net. You will most likely want to first get the profile hash using get_customer_profile and then only change the 
+      # elements you wish to change.
+      #
+      # ==== Options
+      #
+      # * <tt>:profile</tt> -- A hash containing the values the Customer Profile should be updated to. (REQUIRED)
+      # 
+      # ==== Profile
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer profile to update. (REQUIRED)
+      def update_customer_profile(options)
+        requires!(options, :profile)
+        requires!(options[:profile], :customer_profile_id)
+
+        request = build_request(:update_customer_profile, options)
+        commit(:update_customer_profile, request)
+      end
+
+      # Updates a customer payment profile for an existing customer profile.
+      # 
+      # Warning: if you do not provide a parameter in the <tt>:payment_profile</tt> hash, it is automatically set to nil at 
+      # Authorize.Net. You will most likely want to first get the profile hash using get_customer_payment_profile and then only
+      # change the elements you wish to change.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be updated. (REQUIRED)
+      # * <tt>:payment_profile</tt> -- A hash containing the values the Customer Payment Profile should be updated to. (REQUIRED)
+      # 
+      # ==== Payment Profile
+      #
+      # * <tt>:customer_payment_profile_id</tt> -- The Customer Payment Profile ID of the Customer Payment Profile to update. (REQUIRED)
+      def update_customer_payment_profile(options)
+        requires!(options, :customer_profile_id, :payment_profile)
+        requires!(options[:payment_profile], :customer_payment_profile_id)
+
+        request = build_request(:update_customer_payment_profile, options)
+        commit(:update_customer_payment_profile, request)
+      end
+
+      # Updates a customer shipping address for an existing customer profile.
+      # 
+      # Warning: if you do not provide a parameter in the <tt>:address</tt> hash, it is automatically set to nil at 
+      # Authorize.Net. You will most likely want to first get the profile hash using get_customer_shipping_address and then only
+      # change the elements you wish to change.
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer with the payment profile to be updated. (REQUIRED)
+      # * <tt>:address</tt> -- A hash containing the values the Customer Shipping Address should be updated to. (REQUIRED)
+      # 
+      # ==== Address
+      #
+      # * <tt>:customer_address_id</tt> -- The Customer Address ID of the Customer Payment Profile to update. (REQUIRED)
+      def update_customer_shipping_address(options)
+        requires!(options, :customer_profile_id, :address)
+        requires!(options[:address], :customer_address_id)
+
+        request = build_request(:update_customer_shipping_address, options)
+        commit(:update_customer_shipping_address, request)
+      end
+
+      # Creates a new payment transaction from an existing customer profile
+      #
+      # This is what is used to charge a customer whose information you have stored in a Customer Profile.
+      # 
+      # Returns a Response object that contains the result of the transaction in <tt>params['direct_response']</tt>
+      #
+      # ==== Options
+      #
+      # * <tt>:transaction</tt> -- A hash containing information on the transaction that is being requested. (REQUIRED)
+      #
+      # ==== Transaction
+      #
+      # * <tt>:type</tt> -- The type of transaction. Can be either <tt>:auth_only</tt>, <tt>:capture_only</tt>, or <tt>:auth_capture</tt>. (REQUIRED)
+      # * <tt>:amount</tt> -- The amount for the tranaction. Formatted with a decimal. For example "4.95" (REQUIRED)
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to use in this transaction. (REQUIRED)
+      # * <tt>:customer_payment_profile_id</tt> -- The Customer Payment Profile ID of the Customer Payment Profile to use in this transaction. (REQUIRED)
+      def create_customer_profile_transaction(options)
+        requires!(options, :transaction)
+        requires!(options[:transaction], :type, :amount, :customer_profile_id, :customer_payment_profile_id)
+
+        request = build_request(:create_customer_profile_transaction, options)
+        commit(:create_customer_profile_transaction, request)
+      end
+
+      # Verifies an existing customer payment profile by generating a test transaction
+      #
+      # Returns a Response object that contains the result of the transaction in <tt>params['direct_response']</tt>
+      #
+      # ==== Options
+      #
+      # * <tt>:customer_profile_id</tt> -- The Customer Profile ID of the customer to use in this transaction. (REQUIRED)
+      # * <tt>:customer_payment_profile_id</tt> -- The Customer Payment Profile ID of the Customer Payment Profile to be verified. (REQUIRED)
+      # * <tt>:customer_address_id</tt> -- The Customer Address ID of the Customer Shipping Address to be verified.
+      # * <tt>:validation_mode</tt> -- <tt>:live</tt> or <tt>:test</tt> In Test Mode, only field validation is performed. 
+      #   In Live Mode, a transaction is generated and submitted to the processor with the amount of $0.01. If successful, the transaction is immediately voided. (REQUIRED)
+      def validate_customer_payment_profile(options)
+        requires!(options, :customer_profile_id, :customer_payment_profile_id, :validation_mode)
+
+        request = build_request(:validate_customer_payment_profile, options)
+        commit(:validate_customer_payment_profile, request)
+      end
+
+      private
+
+      def expdate(credit_card)
+        sprintf('%04d-%02d', credit_card.year, credit_card.month)
+      end
+      
+      def build_request(action, options = {})
+        unless CIM_ACTIONS.include?(action)
+          raise StandardError, "Invalid Customer Information Manager Action: #{action}"
+        end
+
+        xml = Builder::XmlMarkup.new(:indent => 2)
+        xml.instruct!(:xml, :version => '1.0', :encoding => 'utf-8')
+        xml.tag!("#{CIM_ACTIONS[action]}Request", :xmlns => AUTHORIZE_NET_CIM_NAMESPACE) do
+          add_merchant_authentication(xml)
+          # Merchant-assigned reference ID for the request
+          xml.tag!('refId', options[:ref_id]) if options[:ref_id]
+          send("build_#{action}_request", xml, options)
+        end
+      end
+
+      # Contains the merchant’s payment gateway account authentication information
+      def add_merchant_authentication(xml)
+        xml.tag!('merchantAuthentication') do
+          xml.tag!('name', @options[:login])
+          xml.tag!('transactionKey', @options[:password])
+        end
+      end
+      
+      def build_create_customer_profile_request(xml, options)
+        add_profile(xml, options[:profile])
+
+        xml.target!
+      end
+
+      def build_create_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        
+        xml.tag!('paymentProfile') do
+          add_payment_profile(xml, options[:payment_profile])
+        end
+        
+        xml.tag!('validationMode', CIM_VALIDATION_MODES[options[:validation_mode]]) if options[:validation_mode]
+
+        xml.target!
+      end
+      
+      def build_create_customer_shipping_address_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        
+        xml.tag!('address') do
+          add_address(xml, options[:address])
+        end
+        
+        xml.target!
+      end
+
+      def build_delete_customer_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.target!
+      end
+
+      def build_delete_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerPaymentProfileId', options[:customer_payment_profile_id])
+        xml.target!
+      end
+
+      def build_delete_customer_shipping_address_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerAddressId', options[:customer_address_id])
+        xml.target!
+      end
+
+      def build_get_customer_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.target!
+      end
+
+      def build_get_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerPaymentProfileId', options[:customer_payment_profile_id])
+        xml.target!
+      end
+
+      def build_get_customer_shipping_address_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerAddressId', options[:customer_address_id])
+        xml.target!
+      end
+
+      def build_update_customer_profile_request(xml, options)
+        add_profile(xml, options[:profile], true) 
+        
+        xml.target!
+      end
+
+      def build_update_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+
+        xml.tag!('paymentProfile') do
+          add_payment_profile(xml, options[:payment_profile]) 
+        end
+
+        xml.target!
+      end
+
+      def build_update_customer_shipping_address_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+
+        xml.tag!('address') do
+          add_address(xml, options[:address]) 
+        end
+
+        xml.target!
+      end
+
+      def build_create_customer_profile_transaction_request(xml, options)
+        add_transaction(xml, options[:transaction])
+        
+        xml.target!
+      end
+      
+      def build_validate_customer_payment_profile_request(xml, options)
+        xml.tag!('customerProfileId', options[:customer_profile_id])
+        xml.tag!('customerPaymentProfileId', options[:customer_payment_profile_id])
+        xml.tag!('customerShippingAddressId', options[:customer_address_id]) if options[:customer_address_id]
+        xml.tag!('validationMode', CIM_VALIDATION_MODES[options[:validation_mode]]) if options[:validation_mode]
+
+        xml.target!
+      end
+
+      # :merchant_customer_id (Optional)
+      # :description (Optional)
+      # :email (Optional)
+      # :payment_profiles (Optional)
+      def add_profile(xml, profile, update = false)
+        xml.tag!('profile') do
+          # Merchant assigned ID for the customer. Up to 20 characters. (optional)
+          xml.tag!('merchantCustomerId', profile[:merchant_customer_id]) if profile[:merchant_customer_id]
+          # Description of the customer. Up to 255 Characters (optional)
+          xml.tag!('description', profile[:description]) if profile[:description]
+          # Email Address for the customer. Up to 255 Characters (optional)
+          xml.tag!('email', profile[:email]) if profile[:email]
+
+          if update
+            xml.tag!('customerProfileId', profile[:customer_profile_id])
+          else
+            add_payment_profiles(xml, profile[:payment_profiles]) if profile[:payment_profiles]
+            add_ship_to_list(xml, profile[:ship_to_list]) if profile[:ship_to_list]
+          end
+        end
+      end
+      
+      def add_transaction(xml, transaction)
+        unless CIM_TRANSACTION_TYPES.include?(transaction[:type])
+          raise StandardError, "Invalid Customer Information Manager Transaction Type: #{transaction[:type]}"
+        end
+        
+        xml.tag!('transaction') do
+          xml.tag!(CIM_TRANSACTION_TYPES[transaction[:type]]) do
+            # The amount to be billed to the customer
+            xml.tag!('amount', transaction[:amount])
+            xml.tag!('customerProfileId', transaction[:customer_profile_id])
+            xml.tag!('customerPaymentProfileId', transaction[:customer_payment_profile_id])
+            xml.tag!('approvalCode', transaction[:approval_code]) if transaction[:type] == :capture_only
+            add_order(xml, transaction[:order]) if transaction[:order]
+          end
+        end
+      end
+      
+      def add_order(xml, order)
+        xml.tag!('order') do
+          xml.tag!('invoiceNumber', order[:invoice_number]) if order[:invoice_number]
+          xml.tag!('description', order[:description]) if order[:description]
+          xml.tag!('purchaseOrderNumber', order[:purchase_order_number]) if order[:purchase_order_number]
+        end
+      end
+      
+      def add_payment_profiles(xml, payment_profiles)
+        xml.tag!('paymentProfiles') do
+          add_payment_profile(xml, payment_profiles)
+        end
+      end
+
+      # :customer_type => 'individual or business', # Optional
+      # :bill_to => @address,
+      # :payment => @payment
+      def add_payment_profile(xml, payment_profile)
+        # 'individual' or 'business' (optional)
+        xml.tag!('customerType', payment_profile[:customer_type]) if payment_profile[:customer_type]
+
+        if payment_profile[:bill_to]
+          xml.tag!('billTo') do
+            add_address(xml, payment_profile[:bill_to])
+          end
+        end
+        
+        if payment_profile[:payment]
+          xml.tag!('payment') do
+            add_credit_card(xml, payment_profile[:payment][:credit_card]) if payment_profile[:payment].has_key?(:credit_card)
+            add_bank_account(xml, payment_profile[:payment][:bank_account]) if payment_profile[:payment].has_key?(:bank_account)
+            add_drivers_license(xml, payment_profile[:payment][:drivers_license]) if payment_profile[:payment].has_key?(:drivers_license)
+            # This element is only required for Wells Fargo SecureSource eCheck.Net merchants
+            # The customer's Social Security Number or Tax ID
+            xml.tag!('taxId', payment_profile[:payment]) if payment_profile[:payment].has_key?(:tax_id)
+          end
+        end
+        
+        xml.tag!('customerPaymentProfileId', payment_profile[:customer_payment_profile_id]) if payment_profile[:customer_payment_profile_id]
+      end
+
+      def add_ship_to_list(xml, ship_to_list)
+        xml.tag!('shipToList') do
+          add_address(xml, ship_to_list)
+        end
+      end
+
+      def add_address(xml, address)
+        xml.tag!('firstName', address[:first_name])
+        xml.tag!('lastName', address[:last_name])
+        xml.tag!('company', address[:company])
+        xml.tag!('address', address[:address1]) if address[:address1]
+        xml.tag!('address', address[:address]) if address[:address]
+        xml.tag!('city', address[:city])
+        xml.tag!('state', address[:state])
+        xml.tag!('zip', address[:zip])
+        xml.tag!('country', address[:country])
+        xml.tag!('phoneNumber', address[:phone_number]) if address[:phone_number]
+        xml.tag!('faxNumber', address[:fax_number]) if address[:fax_number]
+        
+        xml.tag!('customerAddressId', address[:customer_address_id]) if address[:customer_address_id]
+      end
+
+      # Adds customer’s credit card information
+      # Note: This element should only be included
+      # when the payment method is credit card.
+      def add_credit_card(xml, credit_card)
+        return unless credit_card
+        xml.tag!('creditCard') do
+          # The credit card number used for payment of the subscription
+          xml.tag!('cardNumber', credit_card.number)
+          # The expiration date of the credit card used for the subscription
+          xml.tag!('expirationDate', expdate(credit_card))
+        end
+      end
+      
+      # Adds customer’s bank account information
+      # Note: This element should only be included 
+      # when the payment method is bank account.
+      def add_bank_account(xml, bank_account)
+        raise StandardError, "Invalid Bank Account Type: #{bank_account[:account_type]}" unless BANK_ACCOUNT_TYPES.include?(bank_account[:account_type])
+        raise StandardError, "Invalid eCheck Type: #{bank_account[:echeck_type]}" unless ECHECK_TYPES.include?(bank_account[:echeck_type])
+        
+        xml.tag!('bankAccount') do
+          # The type of bank account
+          xml.tag!('accountType', BANK_ACCOUNT_TYPES[bank_account[:account_type]])
+          # The routing number of the customer’s bank
+          xml.tag!('routingNumber', bank_account[:routing_number])
+          # The bank account number
+          xml.tag!('accountNumber', bank_account[:account_number])
+          # The full name of the individual associated 
+          # with the bank account number
+          xml.tag!('nameOnAccount', bank_account[:name_on_account])
+          # The type of electronic check transaction
+          xml.tag!('echeckType', ECHECK_TYPES[bank_account[:echeck_type]])
+          # The full name of the individual associated 
+          # with the bank account number (optional)
+          xml.tag!('bankName', bank_account[:bank_name]) if bank_account[:bank_name]
+        end
+      end
+      
+      # Adds customer’s driver's license information
+      # Note: This element is only required for 
+      # Wells Fargo SecureSource eCheck.Net merchants
+      def add_drivers_license(xml, drivers_license)
+        xml.tag!('driversLicense') do
+          # The state of the customer's driver's license
+          # A valid two character state code
+          xml.tag!('state', drivers_license[:state])
+          # The customer’s driver's license number
+          xml.tag!('number', drivers_license[:number])
+          # The date of birth listed on the customer's driver's license
+          # YYYY-MM-DD
+          xml.tag!('dateOfBirth', drivers_license[:date_of_birth])
+        end
+      end
+      
+      def commit(action, request)
+        url = test? ? test_url : live_url
+        xml = ssl_post(url, request, "Content-Type" => "text/xml")
+        
+        response_params = parse(action, xml)
+
+        message = response_params['messages']['message']['text']
+        test_mode = test? || message =~ /Test Mode/
+        success = response_params['messages']['result_code'] == 'Ok'
+
+        response = Response.new(success, message, response_params,
+          :test => test_mode,
+          :authorization => response_params['customer_profile_id'] || (response_params['profile'] ? response_params['profile']['customer_profile_id'] : nil)
+        )
+        
+        response.params['direct_response'] = parse_direct_response(response) if response.params['direct_response']
+        response
+      end
+      
+      def parse_direct_response(response)
+        direct_response = {'raw' => response.params['direct_response']}
+        direct_response_fields = response.params['direct_response'].split(',')
+
+        direct_response.merge(
+          {
+            'approval_code' => direct_response_fields[4],
+            'message' => direct_response_fields[3],
+            'transaction_type' => direct_response_fields[11],
+            'amount' => direct_response_fields[9],
+            'invoice_number' => direct_response_fields[7],
+            'order_description' => direct_response_fields[8],
+            'purchase_order_number' => direct_response_fields[36]
+            # TODO fill in other fields
+          }
+        )
+      end
+      
+      def parse(action, xml)
+        xml = REXML::Document.new(xml)
+        root = REXML::XPath.first(xml, "//#{CIM_ACTIONS[action]}Response") ||
+               REXML::XPath.first(xml, "//ErrorResponse")
+        if root
+          response = parse_element(root)
+        end
+
+        response
+      end
+
+      def parse_element(node)
+        if node.has_elements?
+          response = {}
+          node.elements.each{ |e|
+            key = MerbMerchant::Inflector.underscore(e.name)
+            value = parse_element(e)
+            if response.has_key?(key)
+              if response[key].is_a?(Array)
+                response[key].push(value)
+              else
+                response[key] = [response[key], value]
+              end
+            else
+              response[key] = parse_element(e) 
+            end 
+          }
+        else
+          response = node.text
+        end
+
+        response
+      end
+    end
+  end
+end