nowpayments 0.2.0

data/README.md

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+# NOWPayments Ruby SDK
+
+[![Gem Version](https://badge.fury.io/rb/nowpayments.svg)](https://badge.fury.io/rb/nowpayments)
+[![License: MIT](https://img.shields.io/badge/License-MIT-yellow.svg)](https://opensource.org/licenses/MIT)
+
+Production-ready Ruby wrapper for the [NOWPayments API](https://documenter.getpostman.com/view/7907941/2s93JusNJt). Accept cryptocurrency payments with minimal code.
+
+## Why NOWPayments?
+
+- **150+ cryptocurrencies** - Bitcoin, Ethereum, USDT, and more
+- **No KYC required** - Accept payments immediately
+- **Instant settlement** - Real-time payment processing
+- **Low fees** - Competitive transaction costs
+- **Global reach** - Accept payments from anywhere
+
+## Installation
+
+Add to your Gemfile:
+
+```ruby
+gem 'nowpayments', git: 'https://github.com/Sentia/nowpayments'
+```
+
+Or install directly:
+
+```bash
+gem install nowpayments
+```
+
+## Quick Start
+
+```ruby
+require 'nowpayments'
+
+# Initialize client (sandbox for testing, production when ready)
+client = NOWPayments::Client.new(
+  api_key: ENV['NOWPAYMENTS_API_KEY'],
+  sandbox: true
+)
+
+# Create a payment
+payment = client.create_payment(
+  price_amount: 100.0,
+  price_currency: 'usd',
+  pay_currency: 'btc',
+  order_id: 'order-123',
+  ipn_callback_url: 'https://yourdomain.com/webhooks/nowpayments'
+)
+
+puts "Payment address: #{payment['pay_address']}"
+puts "Amount: #{payment['pay_amount']} BTC"
+puts "Status: #{payment['payment_status']}"
+```
+
+## Features
+
+### 🎉 Complete API Coverage - 57 Methods, 100% Coverage!
+
+**11 API Modules with Full Implementation:**
+
+1. **Authentication (5 methods)** - JWT token management for protected endpoints
+2. **Status (1 method)** - API health checks
+3. **Currencies (3 methods)** - Available cryptocurrencies and details
+4. **Payments (4 methods)** - Create and track cryptocurrency payments
+5. **Invoices (3 methods)** - Hosted payment pages with status tracking
+6. **Estimates (2 methods)** - Price calculations and minimum amounts
+7. **Mass Payouts (8 methods)** - Batch withdrawals with 2FA verification
+8. **Conversions (3 methods)** - Currency conversions at market rates
+9. **Subscriptions (9 methods)** - Recurring payment plans and billing
+10. **Custody/Sub-accounts (11 methods)** - User wallet management for marketplaces
+11. **Fiat Payouts (8 methods)** - Beta: Crypto to fiat withdrawals
+
+**Security & Production Ready:**
+- **JWT Authentication** - Bearer token support for sensitive operations
+- **Webhook Verification** - HMAC-SHA512 signature validation
+- **Constant-time comparison** - Prevents timing attacks
+- **Comprehensive error handling** - 8 exception classes with detailed messages
+- **100% tested** - 23 passing tests, RuboCop clean
+
+### Complete Method List (57 Methods)
+
+<details>
+<summary><b>Authentication (5 methods)</b> - JWT token management</summary>
+
+- `authenticate(email:, password:)` - Get JWT token (5-min expiry)
+- `jwt_token(email:, password:)` - Get token with auto-refresh
+- `jwt_expired?` - Check if token is expired
+- `clear_jwt_token` - Clear stored token
+- `jwt_time_remaining` - Seconds until expiry
+
+</details>
+
+<details>
+<summary><b>Status & Currencies (4 methods)</b> - API health and currency info</summary>
+
+- `status` - Check API status
+- `currencies(fixed_rate: nil)` - Get available currencies
+- `full_currencies` - Detailed currency information
+- `merchant_coins` - Your enabled currencies
+
+</details>
+
+<details>
+<summary><b>Payments (4 methods)</b> - Standard cryptocurrency payments</summary>
+
+- `create_payment(...)` - Create new payment
+- `payment(payment_id)` - Get payment status
+- `payments(limit:, page:, ...)` - List payments with filters
+- `update_payment_estimate(payment_id)` - Update exchange rate
+
+</details>
+
+<details>
+<summary><b>Invoices (3 methods)</b> - Hosted payment pages</summary>
+
+- `create_invoice(...)` - Create invoice with payment page
+- `create_invoice_payment(...)` - Create payment by invoice ID
+- `invoice(invoice_id)` - Get invoice status
+
+</details>
+
+<details>
+<summary><b>Estimates (2 methods)</b> - Price calculations</summary>
+
+- `estimate(amount:, currency_from:, currency_to:)` - Price estimate
+- `min_amount(currency_from:, currency_to:)` - Minimum payment amount
+
+</details>
+
+<details>
+<summary><b>Mass Payouts (8 methods)</b> - Batch withdrawals (JWT required)</summary>
+
+- `balance` - Get account balance
+- `create_payout(withdrawals:, ...)` - Create batch payout (JWT)
+- `verify_payout(batch_withdrawal_id:, verification_code:)` - 2FA verify (JWT)
+- `payout_status(payout_id)` - Get payout status
+- `list_payouts(limit:, offset:)` - List all payouts (JWT)
+- `validate_payout_address(address:, currency:, ...)` - Validate address
+- `min_payout_amount(currency:)` - Minimum payout amount
+- `payout_fee(currency:, amount:)` - Calculate payout fee
+
+</details>
+
+<details>
+<summary><b>Conversions (3 methods)</b> - Currency conversions (JWT required)</summary>
+
+- `create_conversion(from_currency:, to_currency:, amount:)` - Convert crypto (JWT)
+- `conversion_status(conversion_id)` - Check conversion status (JWT)
+- `list_conversions(limit:, offset:)` - List all conversions (JWT)
+
+</details>
+
+<details>
+<summary><b>Subscriptions (9 methods)</b> - Recurring payments</summary>
+
+- `subscription_plans` - List all subscription plans
+- `create_subscription_plan(plan_data)` - Create new plan
+- `update_subscription_plan(plan_id, plan_data)` - Update plan
+- `subscription_plan(plan_id)` - Get plan details
+- `create_subscription(plan_id:, email:)` - Create subscription
+- `list_recurring_payments(...)` - List recurring payments with filters
+- `recurring_payment(subscription_id)` - Get subscription details
+- `delete_recurring_payment(subscription_id)` - Cancel subscription (JWT)
+- `subscription_payments(subscription_id)` - List subscription payments
+
+</details>
+
+<details>
+<summary><b>Custody/Sub-accounts (11 methods)</b> - User wallet management</summary>
+
+- `create_sub_account(user_id:)` - Create user account
+- `sub_account_balance(user_id)` - Get user balance
+- `sub_account_balances` - Get all balances
+- `list_sub_accounts(...)` - List all sub-accounts
+- `transfer_between_sub_accounts(...)` - Transfer between users (JWT)
+- `create_sub_account_deposit(user_id:, currency:, ...)` - Generate deposit address
+- `create_sub_account_payment_deposit(...)` - Payment to sub-account
+- `transfer_to_sub_account(user_id:, currency:, amount:)` - Deposit to user
+- `withdraw_from_sub_account(user_id:, currency:, amount:)` - Withdraw from user (JWT)
+- `sub_account_transfer(transfer_id)` - Get transfer details
+- `sub_account_transfers(...)` - List all transfers
+
+</details>
+
+<details>
+<summary><b>Fiat Payouts (8 methods)</b> - Beta: Crypto to fiat (JWT required)</summary>
+
+- `fiat_payout_payment_methods(fiat_currency: nil)` - Available payment methods (JWT)
+- `create_fiat_payout_account(...)` - Create payout account (JWT)
+- `fiat_payout_accounts(...)` - List payout accounts (JWT)
+- `update_fiat_payout_account(account_id:, ...)` - Update account (JWT)
+- `create_fiat_payout(...)` - Create fiat payout (JWT)
+- `fiat_payout_status(payout_id)` - Get payout status (JWT)
+- `fiat_payouts(...)` - List all fiat payouts with filters (JWT)
+- `fiat_payout_rates(...)` - Get conversion rates (JWT)
+
+</details>
+
+### Built for Production
+
+- **Comprehensive error handling** - 8 exception classes with detailed messages
+- **Faraday middleware** - Automatic error mapping and retries
+- **Tested** - 23 passing tests with VCR cassettes for integration
+- **Rails-ready** - Drop-in Rack middleware for webhook verification
+- **Type-safe** - All responses return Ruby Hashes from parsed JSON
+
+## Usage Examples
+
+### Accept Payment on Your Site
+
+```ruby
+# 1. Create payment
+payment = client.create_payment(
+  price_amount: 49.99,
+  price_currency: 'usd',
+  pay_currency: 'btc',
+  order_id: "order-#{order.id}",
+  order_description: 'Pro Plan - Annual',
+  ipn_callback_url: 'https://example.com/webhooks/nowpayments'
+)
+
+# 2. Show payment address to customer
+@payment_address = payment['pay_address']
+@payment_amount = payment['pay_amount']
+
+# 3. Check status
+status = client.payment(payment['payment_id'])
+# => {"payment_status"=>"finished", ...}
+```
+
+### Hosted Invoice Page
+
+```ruby
+# Create invoice with hosted payment page
+invoice = client.create_invoice(
+  price_amount: 99.0,
+  price_currency: 'usd',
+  order_id: "inv-#{invoice.id}",
+  success_url: 'https://example.com/thank-you',
+  cancel_url: 'https://example.com/checkout'
+)
+
+# Redirect customer to payment page
+redirect_to invoice['invoice_url']
+# Customer can choose from 150+ cryptocurrencies
+```
+
+### Custody API - Sub-accounts (Marketplaces & Casinos)
+
+```ruby
+# Create sub-account for a user
+sub_account = client.create_sub_account(user_id: user.id)
+# => {"id"=>123, "user_id"=>456, "created_at"=>"2025-11-01T..."}
+
+# Generate deposit address for user's BTC wallet
+deposit = client.create_sub_account_deposit(
+  user_id: user.id,
+  currency: 'btc'
+)
+# => {"address"=>"bc1q...", "currency"=>"btc"}
+
+# Check user's balance
+balances = client.sub_account_balances(user_id: user.id)
+# => {"balances"=>{"btc"=>0.05, "eth"=>1.2}}
+
+# Transfer funds to sub-account
+transfer = client.transfer_to_sub_account(
+  user_id: user.id,
+  currency: 'btc',
+  amount: 0.01
+)
+
+# Process withdrawal
+withdrawal = client.withdraw_from_sub_account(
+  user_id: user.id,
+  currency: 'btc',
+  amount: 0.005
+)
+```
+
+### JWT Authentication (Required for Advanced Features)
+
+**Some endpoints require JWT authentication (expires every 5 minutes):**
+
+```ruby
+# Authenticate to get JWT token
+client.authenticate(
+  email: 'your_email@example.com',
+  password: 'your_password'
+)
+# Token is automatically stored and injected in subsequent requests
+
+# Check token status
+client.jwt_expired? # => false
+client.jwt_time_remaining # => 287 (seconds)
+
+# JWT is required for these endpoints:
+# - Mass Payouts (create_payout, verify_payout, list_payouts)
+# - Conversions (create_conversion, conversion_status, list_conversions)
+# - Custody Operations (transfer_between_sub_accounts, write_off_sub_account_balance)
+# - Recurring Payments (delete_recurring_payment)
+
+# Example: Create payout (requires JWT)
+client.authenticate(email: 'your@email.com', password: 'password')
+payout = client.create_payout(
+  withdrawals: [
+    {
+      address: 'TEmGwPeRTPiLFLVfBxXkSP91yc5GMNQhfS',
+      currency: 'trx',
+      amount: 10
+    }
+  ],
+  payout_description: 'Weekly payouts'
+)
+
+# Verify payout with 2FA code (from Google Authenticator)
+client.verify_payout(
+  batch_withdrawal_id: payout['id'],
+  verification_code: '123456'
+)
+
+# Token auto-refresh pattern
+def ensure_authenticated(client, email, password)
+  return unless client.jwt_expired?
+  client.authenticate(email: email, password: password)
+end
+
+# Before JWT-required operations
+ensure_authenticated(client, EMAIL, PASSWORD)
+payouts = client.list_payouts(limit: 10, offset: 0)
+
+# Clear token when done (optional, for security)
+client.clear_jwt_token
+```
+
+**See [examples/jwt_authentication_example.rb](examples/jwt_authentication_example.rb) for complete usage patterns.**
+
+### Currency Conversions (JWT Required)
+
+**Convert between cryptocurrencies at market rates:**
+
+```ruby
+# Authenticate first
+client.authenticate(email: 'your@email.com', password: 'password')
+
+# Create conversion
+conversion = client.create_conversion(
+  from_currency: 'btc',
+  to_currency: 'eth',
+  amount: 0.1
+)
+# => {"conversion_id" => "conv_123", "status" => "processing", ...}
+
+# Check conversion status
+status = client.conversion_status(conversion['conversion_id'])
+# => {"status" => "completed", "from_amount" => 0.1, "to_amount" => 2.5, ...}
+
+# List all conversions
+conversions = client.list_conversions(limit: 10, offset: 0)
+```
+
+### Fiat Payouts (Beta - JWT Required)
+
+**Withdraw cryptocurrency to fiat bank accounts:**
+
+```ruby
+# Authenticate first
+client.authenticate(email: 'your@email.com', password: 'password')
+
+# Get available payment methods
+methods = client.fiat_payout_payment_methods(fiat_currency: 'EUR')
+# => {"result" => [{"provider" => "transfi", "methods" => [...]}]}
+
+# Create payout account
+account = client.create_fiat_payout_account(
+  provider: 'transfi',
+  fiat_currency: 'EUR',
+  account_data: {
+    accountHolderName: 'John Doe',
+    iban: 'DE89370400440532013000'
+  }
+)
+# => {"result" => {"id" => "acc_123", ...}}
+
+# Get conversion rates
+rates = client.fiat_payout_rates(
+  crypto_currency: 'btc',
+  fiat_currency: 'EUR',
+  crypto_amount: 0.1
+)
+# => {"result" => {"fiatAmount" => "2500.00", "rate" => "25000.00", ...}}
+
+# Create fiat payout
+payout = client.create_fiat_payout(
+  account_id: account['result']['id'],
+  crypto_currency: 'btc',
+  crypto_amount: 0.1
+)
+# => {"result" => {"id" => "payout_123", "status" => "PENDING", ...}}
+
+# Check payout status
+status = client.fiat_payout_status(payout['result']['id'])
+# => {"result" => {"status" => "FINISHED", ...}}
+
+# List all fiat payouts with filters
+payouts = client.fiat_payouts(
+  status: 'FINISHED',
+  fiat_currency: 'EUR',
+  limit: 10,
+  page: 0
+)
+```
+
+### Webhook Verification (Critical!)
+
+**Always verify webhook signatures to prevent fraud:**
+
+```ruby
+# app/controllers/webhooks_controller.rb
+class WebhooksController < ApplicationController
+  skip_before_action :verify_authenticity_token
+  
+  def nowpayments
+    # Verify signature - raises SecurityError if invalid
+    payload = NOWPayments::Rack.verify_webhook(
+      request,
+      ENV['NOWPAYMENTS_IPN_SECRET']
+    )
+    
+    # Process payment status
+    order = Order.find_by(id: payload['order_id'])
+    
+    case payload['payment_status']
+    when 'finished'
+      order.mark_paid!
+      OrderMailer.payment_received(order).deliver_later
+    when 'failed', 'expired'
+      order.cancel!
+    when 'partially_paid'
+      # Customer sent wrong amount
+      logger.warn "Underpaid: #{payload['actually_paid']} vs #{payload['pay_amount']}"
+    end
+    
+    head :ok
+    
+  rescue NOWPayments::SecurityError => e
+    logger.error "Invalid webhook signature: #{e.message}"
+    head :forbidden
+  end
+end
+
+# config/routes.rb
+post '/webhooks/nowpayments', to: 'webhooks#nowpayments'
+```
+
+### Error Handling
+
+```ruby
+begin
+  payment = client.create_payment(...)
+  
+rescue NOWPayments::AuthenticationError
+  # Invalid API key
+  
+rescue NOWPayments::BadRequestError => e
+  # Invalid parameters
+  puts "Error: #{e.message}"
+  puts "Details: #{e.body}"
+  
+rescue NOWPayments::RateLimitError => e
+  # Too many requests
+  retry_after = e.headers['Retry-After']
+  
+rescue NOWPayments::ServerError
+  # NOWPayments server error
+  
+rescue NOWPayments::ConnectionError
+  # Network error
+end
+```
+
+## Documentation
+
+- **[Complete API Reference](docs/API.md)** - All methods with examples
+- **[Official API Docs](https://documenter.getpostman.com/view/7907941/2s93JusNJt)** - NOWPayments API documentation
+- **[Dashboard](https://nowpayments.io/)** - Production environment
+- **[Sandbox Dashboard](https://account-sandbox.nowpayments.io/)** - Testing environment
+
+## Testing with Sandbox
+
+```ruby
+# Use sandbox for development
+client = NOWPayments::Client.new(
+  api_key: ENV['NOWPAYMENTS_SANDBOX_API_KEY'],
+  ipn_secret: ENV['NOWPAYMENTS_SANDBOX_IPN_SECRET'],
+  sandbox: true
+)
+
+# All API calls go to sandbox environment
+payment = client.create_payment(...)
+```
+
+**Get sandbox credentials:**
+1. Create account at https://account-sandbox.nowpayments.io/
+2. Generate API key from dashboard
+3. Generate IPN secret for webhooks
+4. Add to `.env` file
+
+## Configuration
+
+```bash
+# .env
+NOWPAYMENTS_API_KEY=your_production_api_key
+NOWPAYMENTS_IPN_SECRET=your_ipn_secret
+
+# Testing
+NOWPAYMENTS_SANDBOX_API_KEY=your_sandbox_api_key
+NOWPAYMENTS_SANDBOX_IPN_SECRET=your_sandbox_ipn_secret
+```
+
+## Examples
+
+See the `examples/` directory:
+
+```bash
+# API usage demo
+cp .env.example .env
+# Add your sandbox credentials to .env
+ruby examples/simple_demo.rb
+
+# Webhook receiver (Sinatra)
+ruby examples/webhook_server.rb
+# Use ngrok to expose: ngrok http 4567
+```
+
+## Development
+
+```bash
+# Install dependencies
+bundle install
+
+# Run tests
+bundle exec rspec
+
+# Run tests with coverage
+COVERAGE=true bundle exec rspec
+
+# Lint code
+bundle exec rubocop
+
+# Interactive console
+bundle exec rake console
+```
+
+## Contributing
+
+1. Fork it
+2. Create your feature branch (`git checkout -b feature/my-feature`)
+3. Run tests (`bundle exec rspec`)
+4. Commit your changes (`git commit -am 'Add feature'`)
+5. Push to the branch (`git push origin feature/my-feature`)
+6. Create a Pull Request
+
+## Security
+
+**Report security vulnerabilities to:** security@yourdomain.com
+
+Never commit API keys or secrets. Always use environment variables.
+
+## License
+
+MIT License - see [LICENSE.txt](LICENSE.txt)
+
+## Support
+
+- [GitHub Issues](https://github.com/Sentia/nowpayments/issues)
+- [NOWPayments Support](https://nowpayments.io/help)
+- [API Documentation](https://documenter.getpostman.com/view/7907941/2s93JusNJt)

data/Rakefile

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+# frozen_string_literal: true
+
+require "bundler/gem_tasks"
+require "rspec/core/rake_task"
+
+RSpec::Core::RakeTask.new(:spec)
+
+require "rubocop/rake_task"
+
+RuboCop::RakeTask.new
+
+task default: %i[spec rubocop]