sepa_king_codeur 0.12.1

data/spec/account_spec.rb

@@ -0,0 +1,42 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SEPA::Account do
+  describe :new do
+    it 'should not accept unknown keys' do
+      expect {
+        SEPA::Account.new foo: 'bar'
+      }.to raise_error(NoMethodError)
+    end
+  end
+
+  describe :name do
+    it 'should accept valid value' do
+      expect(SEPA::Account).to accept('Gläubiger GmbH', 'Zahlemann & Söhne GbR', 'X' * 70, for: :name)
+    end
+
+    it 'should not accept invalid value' do
+      expect(SEPA::Account).not_to accept(nil, '', 'X' * 71, for: :name)
+    end
+  end
+
+  describe :iban do
+    it 'should accept valid value' do
+      expect(SEPA::Account).to accept('DE21500500009876543210', 'PL61109010140000071219812874', for: :iban)
+    end
+
+    it 'should not accept invalid value' do
+      expect(SEPA::Account).not_to accept(nil, '', 'invalid', for: :iban)
+    end
+  end
+
+  describe :bic do
+    it 'should accept valid value' do
+      expect(SEPA::Account).to accept('DEUTDEFF', 'DEUTDEFF500', 'SPUEDE2UXXX', for: :bic)
+    end
+
+    it 'should not accept invalid value' do
+      expect(SEPA::Account).not_to accept('', 'invalid', for: :bic)
+    end
+  end
+end

data/spec/converter_spec.rb

@@ -0,0 +1,74 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SEPA::Converter do
+  include SEPA::Converter::InstanceMethods
+
+  describe :convert_text do
+    it 'should convert special chars' do
+      expect(convert_text('10€')).to eq('10E')
+      expect(convert_text('info@bundesbank.de')).to eq('info(at)bundesbank.de')
+      expect(convert_text('abc_def')).to eq('abc-def')
+    end
+
+    it 'should not change allowed special character' do
+      expect(convert_text('üöäÜÖÄß')).to eq('üöäÜÖÄß')
+      expect(convert_text('&*$%')).to eq('&*$%')
+    end
+
+    it 'should convert line breaks' do
+      expect(convert_text("one\ntwo"))    .to eq('one two')
+      expect(convert_text("one\ntwo\n"))  .to eq('one two')
+      expect(convert_text("\none\ntwo\n")).to eq('one two')
+      expect(convert_text("one\n\ntwo"))  .to eq('one two')
+    end
+
+    it 'should convert number' do
+      expect(convert_text(1234)).to eq('1234')
+    end
+
+    it 'should remove invalid chars' do
+      expect(convert_text('"=<>!')).to eq('')
+    end
+
+    it 'should not touch valid chars' do
+      expect(convert_text("abc-ABC-0123- ':?,-(+.)/")).to eq("abc-ABC-0123- ':?,-(+.)/")
+    end
+
+    it 'should not touch nil' do
+      expect(convert_text(nil)).to eq(nil)
+    end
+  end
+
+  describe :convert_decimal do
+    it "should convert Integer to BigDecimal" do
+      expect(convert_decimal(42)).to eq(BigDecimal('42.00'))
+    end
+
+    it "should convert Float to BigDecimal" do
+      expect(convert_decimal(42.12)).to eq(BigDecimal('42.12'))
+    end
+
+    it 'should round' do
+      expect(convert_decimal(1.345)).to eq(BigDecimal('1.35'))
+    end
+
+    it 'should not touch nil' do
+      expect(convert_decimal(nil)).to eq(nil)
+    end
+
+    it 'should not convert zero value' do
+      expect(convert_decimal(0)).to eq(nil)
+    end
+
+    it 'should not convert negative value' do
+      expect(convert_decimal(-3)).to eq(nil)
+    end
+
+    it 'should not convert invalid value' do
+      expect(convert_decimal('xyz')).to eq(nil)
+      expect(convert_decimal('NaN')).to eq(nil)
+      expect(convert_decimal('Infinity')).to eq(nil)
+    end
+  end
+end

data/spec/credit_transfer_spec.rb

@@ -0,0 +1,520 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SEPA::CreditTransfer do
+  let(:message_id_regex) { /SEPA-KING\/[0-9a-z_]{22}/ }
+  let(:credit_transfer) {
+    SEPA::CreditTransfer.new name:       'Schuldner GmbH',
+                             bic:        'BANKDEFFXXX',
+                             iban:       'DE87200500001234567890'
+  }
+
+  describe :new do
+    it 'should accept missing options' do
+      expect {
+        SEPA::CreditTransfer.new
+      }.to_not raise_error
+    end
+  end
+
+  describe :add_transaction do
+    it 'should add valid transactions' do
+      3.times do
+        credit_transfer.add_transaction(credit_transfer_transaction)
+      end
+
+      expect(credit_transfer.transactions.size).to eq(3)
+    end
+
+    it 'should fail for invalid transaction' do
+      expect {
+        credit_transfer.add_transaction name: ''
+      }.to raise_error(ArgumentError)
+    end
+  end
+
+  describe :to_xml do
+    context 'for invalid debtor' do
+      it 'should fail' do
+        expect {
+          SEPA::CreditTransfer.new.to_xml
+        }.to raise_error(SEPA::Error)
+      end
+    end
+
+    context 'setting creditor address with adrline' do
+      subject do
+        sct = SEPA::CreditTransfer.new name: 'Schuldner GmbH',
+                                       iban: 'DE87200500001234567890'
+
+        sca = SEPA::CreditorAddress.new country_code:  'CH',
+                                        address_line1: 'Mustergasse 123',
+                                        address_line2: '1234 Musterstadt'
+
+        sct.add_transaction name:                   'Telekomiker AG',
+                            bic:                    'PBNKDEFF370',
+                            iban:                   'DE37112589611964645802',
+                            amount:                 102.50,
+                            reference:              'XYZ-1234/123',
+                            remittance_information: 'Rechnung vom 22.08.2013',
+                            creditor_address:       sca
+
+        sct
+      end
+
+      it 'should validate against pain.001.003.01' do
+        expect(subject.to_xml(SEPA::PAIN_001_003_03)).to validate_against('pain.001.003.03.xsd')
+      end
+    end
+
+    context 'setting creditor address with structured fields' do
+      subject do
+        sct = SEPA::CreditTransfer.new name: 'Schuldner GmbH',
+                                       iban: 'DE87200500001234567890',
+                                       bic:  'BANKDEFFXXX'
+
+        sca = SEPA::CreditorAddress.new country_code:    'CH',
+                                        street_name:     'Mustergasse',
+                                        building_number: '123',
+                                        post_code:       '1234',
+                                        town_name:       'Musterstadt'
+
+        sct.add_transaction name:                   'Telekomiker AG',
+                            bic:                    'PBNKDEFF370',
+                            iban:                   'DE37112589611964645802',
+                            amount:                 102.50,
+                            reference:              'XYZ-1234/123',
+                            remittance_information: 'Rechnung vom 22.08.2013',
+                            creditor_address:       sca
+
+        sct
+      end
+
+      it 'should validate against pain.001.001.01' do
+        expect(subject.to_xml(SEPA::PAIN_001_001_03)).to validate_against('pain.001.001.03.xsd')
+      end
+    end
+
+    context 'for valid debtor' do
+      context 'without BIC (IBAN-only)' do
+        subject do
+          sct = SEPA::CreditTransfer.new name:       'Schuldner GmbH',
+                                         iban:       'DE87200500001234567890'
+
+          sct.add_transaction name:                   'Telekomiker AG',
+                              bic:                    'PBNKDEFF370',
+                              iban:                   'DE37112589611964645802',
+                              amount:                 102.50,
+                              reference:              'XYZ-1234/123',
+                              remittance_information: 'Rechnung vom 22.08.2013'
+
+          sct
+        end
+
+        it 'should create valid XML file' do
+          expect(subject.to_xml).to validate_against('pain.001.003.03.xsd')
+        end
+
+        it 'should fail for pain.001.001.03' do
+          expect {
+            subject.to_xml(SEPA::PAIN_001_001_03)
+          }.to raise_error(SEPA::Error)
+        end
+
+        it 'should fail for pain.001.002.03' do
+          expect {
+            subject.to_xml(SEPA::PAIN_001_002_03)
+          }.to raise_error(SEPA::Error)
+        end
+      end
+
+      context 'with BIC' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction name:                   'Telekomiker AG',
+                              bic:                    'PBNKDEFF370',
+                              iban:                   'DE37112589611964645802',
+                              amount:                 102.50,
+                              reference:              'XYZ-1234/123',
+                              remittance_information: 'Rechnung vom 22.08.2013'
+
+          sct
+        end
+
+        it 'should validate against pain.001.001.03' do
+          expect(subject.to_xml('pain.001.001.03')).to validate_against('pain.001.001.03.xsd')
+        end
+
+        it 'should validate against pain.001.002.03' do
+          expect(subject.to_xml('pain.001.002.03')).to validate_against('pain.001.002.03.xsd')
+        end
+
+        it 'should validate against pain.001.003.03' do
+          expect(subject.to_xml('pain.001.003.03')).to validate_against('pain.001.003.03.xsd')
+        end
+      end
+
+      context 'without requested_date given' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction name:                   'Telekomiker AG',
+                              bic:                    'PBNKDEFF370',
+                              iban:                   'DE37112589611964645802',
+                              amount:                 102.50,
+                              reference:              'XYZ-1234/123',
+                              remittance_information: 'Rechnung vom 22.08.2013'
+
+          sct.add_transaction name:                   'Amazonas GmbH',
+                              iban:                   'DE27793589132923472195',
+                              amount:                 59.00,
+                              reference:              'XYZ-5678/456',
+                              remittance_information: 'Rechnung vom 21.08.2013'
+
+          sct.to_xml
+        end
+
+        it 'should create valid XML file' do
+          expect(subject).to validate_against('pain.001.003.03.xsd')
+        end
+
+        it 'should have message_identification' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/GrpHdr/MsgId', message_id_regex)
+        end
+
+        it 'should contain <PmtInfId>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/PmtInfId', /#{message_id_regex}\/1/)
+        end
+
+        it 'should contain <ReqdExctnDt>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/ReqdExctnDt', Date.new(1999, 1, 1).iso8601)
+        end
+
+        it 'should contain <PmtMtd>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/PmtMtd', 'TRF')
+        end
+
+        it 'should contain <BtchBookg>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/BtchBookg', 'true')
+        end
+
+        it 'should contain <NbOfTxs>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/NbOfTxs', '2')
+        end
+
+        it 'should contain <CtrlSum>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CtrlSum', '161.50')
+        end
+
+        it 'should contain <Dbtr>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/Dbtr/Nm', 'Schuldner GmbH')
+        end
+
+        it 'should contain <DbtrAcct>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/DbtrAcct/Id/IBAN', 'DE87200500001234567890')
+        end
+
+        it 'should contain <DbtrAgt>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/DbtrAgt/FinInstnId/BIC', 'BANKDEFFXXX')
+        end
+
+        it 'should contain <EndToEndId>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/PmtId/EndToEndId', 'XYZ-1234/123')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[2]/PmtId/EndToEndId', 'XYZ-5678/456')
+        end
+
+        it 'should contain <Amt>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/Amt/InstdAmt', '102.50')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[2]/Amt/InstdAmt', '59.00')
+        end
+
+        it 'should contain <CdtrAgt> for every BIC given' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/CdtrAgt/FinInstnId/BIC', 'PBNKDEFF370')
+          expect(subject).not_to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[2]/CdtrAgt')
+        end
+
+        it 'should contain <Cdtr>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/Cdtr/Nm', 'Telekomiker AG')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[2]/Cdtr/Nm', 'Amazonas GmbH')
+        end
+
+        it 'should contain <CdtrAcct>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/CdtrAcct/Id/IBAN', 'DE37112589611964645802')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[2]/CdtrAcct/Id/IBAN', 'DE27793589132923472195')
+        end
+
+        it 'should contain <RmtInf>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/RmtInf/Ustrd', 'Rechnung vom 22.08.2013')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[2]/RmtInf/Ustrd', 'Rechnung vom 21.08.2013')
+        end
+      end
+
+      context 'with different requested_date given' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction(credit_transfer_transaction.merge requested_date: Date.today + 1)
+          sct.add_transaction(credit_transfer_transaction.merge requested_date: Date.today + 2)
+          sct.add_transaction(credit_transfer_transaction.merge requested_date: Date.today + 2)
+
+          sct.to_xml
+        end
+
+        it 'should contain two payment_informations with <ReqdExctnDt>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[1]/ReqdExctnDt', (Date.today + 1).iso8601)
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[2]/ReqdExctnDt', (Date.today + 2).iso8601)
+
+          expect(subject).not_to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[3]')
+        end
+
+        it 'should contain two payment_informations with different <PmtInfId>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[1]/PmtInfId', /#{message_id_regex}\/1/)
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[2]/PmtInfId', /#{message_id_regex}\/2/)
+        end
+      end
+
+      context 'with different batch_booking given' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction(credit_transfer_transaction.merge batch_booking: false)
+          sct.add_transaction(credit_transfer_transaction.merge batch_booking: true)
+          sct.add_transaction(credit_transfer_transaction.merge batch_booking: true)
+
+          sct.to_xml
+        end
+
+        it 'should contain two payment_informations with <BtchBookg>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[1]/BtchBookg', 'false')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[2]/BtchBookg', 'true')
+
+          expect(subject).not_to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[3]')
+        end
+      end
+
+      context 'with transactions containing different group criteria' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction(credit_transfer_transaction.merge requested_date: Date.today + 1, batch_booking: false, amount: 1)
+          sct.add_transaction(credit_transfer_transaction.merge requested_date: Date.today + 1, batch_booking: true,  amount: 2)
+          sct.add_transaction(credit_transfer_transaction.merge requested_date: Date.today + 2, batch_booking: false, amount: 4)
+          sct.add_transaction(credit_transfer_transaction.merge requested_date: Date.today + 2, batch_booking: true,  amount: 8)
+          sct.add_transaction(credit_transfer_transaction.merge requested_date: Date.today + 2, batch_booking: true, category_purpose: 'SALA',  amount: 6)
+
+          sct.to_xml
+        end
+
+        it 'should contain multiple payment_informations' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[1]/ReqdExctnDt', (Date.today + 1).iso8601)
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[1]/BtchBookg', 'false')
+
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[2]/ReqdExctnDt', (Date.today + 1).iso8601)
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[2]/BtchBookg', 'true')
+
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[3]/ReqdExctnDt', (Date.today + 2).iso8601)
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[3]/BtchBookg', 'false')
+
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[4]/ReqdExctnDt', (Date.today + 2).iso8601)
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[4]/BtchBookg', 'true')
+
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[5]/ReqdExctnDt', (Date.today + 2).iso8601)
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[5]/PmtTpInf/CtgyPurp/Cd', 'SALA')
+        end
+
+        it 'should have multiple control sums' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[1]/CtrlSum', '1.00')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[2]/CtrlSum', '2.00')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[3]/CtrlSum', '4.00')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[4]/CtrlSum', '8.00')
+        end
+      end
+
+      context 'with instruction given' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction name:                   'Telekomiker AG',
+                              iban:                   'DE37112589611964645802',
+                              amount:                 102.50,
+                              instruction:            '1234/ABC'
+
+          sct.to_xml
+        end
+
+        it 'should create valid XML file' do
+          expect(subject).to validate_against('pain.001.003.03.xsd')
+        end
+
+        it 'should contain <InstrId>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/PmtId/InstrId', '1234/ABC')
+        end
+      end
+
+      context 'with a different currency given' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction name:                   'Telekomiker AG',
+                              iban:                   'DE37112589611964645802',
+                              bic:                    'PBNKDEFF370',
+                              amount:                 102.50,
+                              currency:               'CHF'
+
+          sct
+        end
+
+        it 'should validate against pain.001.001.03' do
+          expect(subject.to_xml('pain.001.001.03')).to validate_against('pain.001.001.03.xsd')
+        end
+
+        it 'should have a CHF Ccy' do
+          doc = Nokogiri::XML(subject.to_xml('pain.001.001.03'))
+          doc.remove_namespaces!
+
+          nodes = doc.xpath('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/Amt/InstdAmt')
+          expect(nodes.length).to eql(1)
+          expect(nodes.first.attribute('Ccy').value).to eql('CHF')
+        end
+
+        it 'should fail for pain.001.002.03' do
+          expect {
+            subject.to_xml(SEPA::PAIN_001_002_03)
+          }.to raise_error(SEPA::Error)
+        end
+
+        it 'should fail for pain.001.003.03' do
+          expect {
+            subject.to_xml(SEPA::PAIN_001_003_03)
+          }.to raise_error(SEPA::Error)
+        end
+      end
+
+      context 'with a transaction without a bic' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction name:                   'Telekomiker AG',
+                              iban:                   'DE37112589611964645802',
+                              amount:                 102.50
+
+          sct
+        end
+
+        it 'should validate against pain.001.001.03' do
+          expect(subject.to_xml('pain.001.001.03')).to validate_against('pain.001.001.03.xsd')
+        end
+
+        it 'should fail for pain.001.002.03' do
+          expect {
+            subject.to_xml(SEPA::PAIN_001_002_03)
+          }.to raise_error(SEPA::Error)
+        end
+
+        it 'should validate against pain.001.003.03' do
+          expect(subject.to_xml(SEPA::PAIN_001_003_03)).to validate_against('pain.001.003.03.xsd')
+        end
+      end
+    end
+
+    context 'xml_schema_header' do
+      subject { credit_transfer.to_xml(format) }
+
+      let(:xml_header) do
+        '<?xml version="1.0" encoding="UTF-8"?>' +
+          "\n<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:#{format}\"" +
+          ' xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"' +
+          " xsi:schemaLocation=\"urn:iso:std:iso:20022:tech:xsd:#{format} #{format}.xsd\">\n"
+      end
+
+      let(:transaction) do
+        {
+          name: 'Telekomiker AG',
+          iban: 'DE37112589611964645802',
+          bic: 'PBNKDEFF370',
+          amount: 102.50,
+          currency: 'CHF'
+        }
+      end
+
+      before do
+        credit_transfer.add_transaction transaction
+      end
+
+      context "when format is #{SEPA::PAIN_001_001_03}" do
+        let(:format) { SEPA::PAIN_001_001_03 }
+
+        it 'should return correct header' do
+          is_expected.to start_with(xml_header)
+        end
+      end
+
+      context "when format is #{SEPA::PAIN_001_002_03}" do
+        let(:format) { SEPA::PAIN_001_002_03 }
+        let(:transaction) do
+          {
+            name: 'Telekomiker AG',
+            bic: 'PBNKDEFF370',
+            iban: 'DE37112589611964645802',
+            amount: 102.50,
+            reference: 'XYZ-1234/123',
+            remittance_information: 'Rechnung vom 22.08.2013'
+          }
+        end
+
+        it 'should return correct header' do
+          is_expected.to start_with(xml_header)
+        end
+      end
+
+      context "when format is #{SEPA::PAIN_001_003_03}" do
+        let(:format) { SEPA::PAIN_001_003_03 }
+        let(:transaction) do
+          {
+            name: 'Telekomiker AG',
+            bic: 'PBNKDEFF370',
+            iban: 'DE37112589611964645802',
+            amount: 102.50,
+            reference: 'XYZ-1234/123',
+            remittance_information: 'Rechnung vom 22.08.2013'
+          }
+        end
+
+        it 'should return correct header' do
+          is_expected.to start_with(xml_header)
+        end
+      end
+
+      context "when format is #{SEPA::PAIN_001_001_03_CH_02}" do
+        let(:format) { SEPA::PAIN_001_001_03_CH_02 }
+        let(:credit_transfer) do
+          SEPA::CreditTransfer.new name: 'Schuldner GmbH',
+                                   iban: 'CH5481230000001998736',
+                                   bic:  'RAIFCH22'
+        end
+        let(:transaction) do
+          {
+            name: 'Telekomiker AG',
+            iban: 'DE62007620110623852957',
+            amount: 102.50,
+            currency: 'CHF',
+            reference: 'XYZ-1234/123',
+            remittance_information: 'Rechnung vom 22.08.2013'
+          }
+        end
+
+        let(:xml_header) do
+          '<?xml version="1.0" encoding="UTF-8"?>' +
+            "\n<Document xmlns=\"http://www.six-interbank-clearing.com/de/#{format}.xsd\"" +
+            ' xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"' +
+            " xsi:schemaLocation=\"http://www.six-interbank-clearing.com/de/#{format}.xsd  #{format}.xsd\">\n"
+        end
+
+        it 'should return correct header' do
+          is_expected.to start_with(xml_header)
+        end
+      end
+    end
+  end
+end