sepa_king_codeur 0.12.1

data/spec/credit_transfer_transaction_spec.rb

@@ -0,0 +1,74 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SEPA::CreditTransferTransaction do
+  describe :initialize do
+    it 'should initialize a valid transaction' do
+      expect(
+        SEPA::CreditTransferTransaction.new name:                   'Telekomiker AG',
+                                            iban:                   'DE37112589611964645802',
+                                            bic:                    'PBNKDEFF370',
+                                            amount:                 102.50,
+                                            reference:              'XYZ-1234/123',
+                                            remittance_information: 'Rechnung 123 vom 22.08.2013'
+      ).to be_valid
+    end
+  end
+
+  describe :schema_compatible? do
+    context 'for pain.001.003.03' do
+      it 'should succeed' do
+        expect(SEPA::CreditTransferTransaction.new({})).to be_schema_compatible('pain.001.003.03')
+      end
+
+      it 'should fail for invalid attributes' do
+        expect(SEPA::CreditTransferTransaction.new(:currency => 'CHF')).not_to be_schema_compatible('pain.001.003.03')
+      end
+    end
+
+    context 'pain.001.002.03' do
+      it 'should succeed for valid attributes' do
+        expect(SEPA::CreditTransferTransaction.new(:bic => 'SPUEDE2UXXX', :service_level => 'SEPA')).to be_schema_compatible('pain.001.002.03')
+      end
+
+      it 'should fail for invalid attributes' do
+        expect(SEPA::CreditTransferTransaction.new(:bic => nil)).not_to be_schema_compatible('pain.001.002.03')
+        expect(SEPA::CreditTransferTransaction.new(:bic => 'SPUEDE2UXXX', :service_level => 'URGP')).not_to be_schema_compatible('pain.001.002.03')
+        expect(SEPA::CreditTransferTransaction.new(:bic => 'SPUEDE2UXXX', :currency => 'CHF')).not_to be_schema_compatible('pain.001.002.03')
+      end
+    end
+
+    context 'for pain.001.001.03' do
+      it 'should succeed for valid attributes' do
+        expect(SEPA::CreditTransferTransaction.new(:bic => 'SPUEDE2UXXX', :currency => 'CHF')).to be_schema_compatible('pain.001.001.03')
+        expect(SEPA::CreditTransferTransaction.new(:bic => nil)).to be_schema_compatible('pain.001.003.03')
+      end
+    end
+
+    context 'for pain.001.001.03.ch.02' do
+      it 'should succeed for valid attributes' do
+        expect(SEPA::CreditTransferTransaction.new(:bic => 'SPUEDE2UXXX', :currency => 'CHF')).to be_schema_compatible('pain.001.001.03.ch.02')
+      end
+    end
+  end
+
+  context 'Requested date' do
+    it 'should allow valid value' do
+      expect(SEPA::CreditTransferTransaction).to accept(nil, Date.new(1999, 1, 1), Date.today, Date.today.next, Date.today + 2, for: :requested_date)
+    end
+
+    it 'should not allow invalid value' do
+      expect(SEPA::CreditTransferTransaction).not_to accept(Date.new(1995,12,21), Date.today - 1, for: :requested_date)
+    end
+  end
+
+  context 'Category Purpose' do
+    it 'should allow valid value' do
+      expect(SEPA::CreditTransferTransaction).to accept(nil, 'SALA', 'X' * 4, for: :category_purpose)
+    end
+
+    it 'should not allow invalid value' do
+      expect(SEPA::CreditTransferTransaction).not_to accept('', 'X' * 5, for: :category_purpose)
+    end
+  end
+end

data/spec/creditor_account_spec.rb

@@ -0,0 +1,23 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SEPA::CreditorAccount do
+  it 'should initialize a new account' do
+    expect(
+      SEPA::CreditorAccount.new name:                'Gläubiger GmbH',
+                                bic:                 'BANKDEFFXXX',
+                                iban:                'DE87200500001234567890',
+                                creditor_identifier: 'DE98ZZZ09999999999'
+    ).to be_valid
+  end
+
+  describe :creditor_identifier do
+    it 'should accept valid value' do
+      expect(SEPA::CreditorAccount).to accept('DE98ZZZ09999999999', 'AT12ZZZ00000000001', 'IT97ZZZA1B2C3D4E5F6G7H8', 'NL97ZZZ123456780001', 'FR12ZZZ123456', for: :creditor_identifier)
+    end
+
+    it 'should not accept invalid value' do
+      expect(SEPA::CreditorAccount).not_to accept('', 'invalid', 'DE98ZZZ099999999990', 'DEAAAAAAAAAAAAAAAA', for: :creditor_identifier)
+    end
+  end
+end

data/spec/debtor_account_spec.rb

@@ -0,0 +1,12 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SEPA::DebtorAccount do
+  it 'should initialize a new account' do
+    expect(
+      SEPA::DebtorAccount.new name:       'Gläubiger GmbH',
+                              bic:        'BANKDEFFXXX',
+                              iban:       'DE87200500001234567890'
+    ).to be_valid
+  end
+end

data/spec/debtor_address_spec.rb

@@ -0,0 +1,12 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SEPA::DebtorAddress do
+  it 'should initialize a new address' do
+    expect(
+      SEPA::DebtorAddress.new country_code:       'CH',
+                              address_line1:       'Mustergasse 123',
+                              address_line2:       '12345 Musterstadt'
+    ).to be_valid
+  end
+end

data/spec/direct_debit_spec.rb

@@ -0,0 +1,657 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SEPA::DirectDebit do
+  let(:message_id_regex) { /SEPA-KING\/[0-9a-z_]{22}/ }
+
+  let(:direct_debit) {
+    SEPA::DirectDebit.new name:                'Gläubiger GmbH',
+                          bic:                 'BANKDEFFXXX',
+                          iban:                'DE87200500001234567890',
+                          creditor_identifier: 'DE98ZZZ09999999999'
+  }
+
+  describe :new do
+    it 'should accept missing options' do
+      expect {
+        SEPA::DirectDebit.new
+      }.to_not raise_error
+    end
+  end
+
+  describe :add_transaction do
+    it 'should add valid transactions' do
+      3.times do
+        direct_debit.add_transaction(direct_debt_transaction)
+      end
+
+      expect(direct_debit.transactions.size).to eq(3)
+    end
+
+    it 'should fail for invalid transaction' do
+      expect {
+        direct_debit.add_transaction name: ''
+      }.to raise_error(ArgumentError)
+    end
+  end
+
+  describe :batch_id do
+    it 'returns the id of the batch where the given transactions belongs to (1 batch)' do
+      direct_debit.add_transaction(direct_debt_transaction(reference: "EXAMPLE REFERENCE"))
+
+      expect(direct_debit.batch_id("EXAMPLE REFERENCE")).to match(/#{message_id_regex}\/1/)
+    end
+
+    it 'returns the id of the batch where the given transactions belongs to (2 batches)' do
+      direct_debit.add_transaction(direct_debt_transaction(reference: "EXAMPLE REFERENCE 1"))
+      direct_debit.add_transaction(direct_debt_transaction(reference: "EXAMPLE REFERENCE 2", requested_date: Date.today.next.next))
+      direct_debit.add_transaction(direct_debt_transaction(reference: "EXAMPLE REFERENCE 3"))
+
+      expect(direct_debit.batch_id("EXAMPLE REFERENCE 1")).to match(/#{message_id_regex}\/1/)
+      expect(direct_debit.batch_id("EXAMPLE REFERENCE 2")).to match(/#{message_id_regex}\/2/)
+      expect(direct_debit.batch_id("EXAMPLE REFERENCE 3")).to match(/#{message_id_regex}\/1/)
+    end
+  end
+
+  describe :batches do
+    it 'returns an array of batch ids in the sepa message' do
+      direct_debit.add_transaction(direct_debt_transaction(reference: "EXAMPLE REFERENCE 1"))
+      direct_debit.add_transaction(direct_debt_transaction(reference: "EXAMPLE REFERENCE 2", requested_date: Date.today.next.next))
+      direct_debit.add_transaction(direct_debt_transaction(reference: "EXAMPLE REFERENCE 3"))
+
+      expect(direct_debit.batches.size).to eq(2)
+      expect(direct_debit.batches[0]).to match(/#{message_id_regex}\/[0-9]+/)
+      expect(direct_debit.batches[1]).to match(/#{message_id_regex}\/[0-9]+/)
+    end
+  end
+
+  describe :to_xml do
+    context 'for invalid creditor' do
+      it 'should fail' do
+        expect {
+          SEPA::DirectDebit.new.to_xml
+        }.to raise_error(SEPA::Error)
+      end
+    end
+
+    context 'setting debtor address with adrline' do
+      subject do
+        sdd = SEPA::DirectDebit.new name:                'Gläubiger GmbH',
+                                    iban:                'DE87200500001234567890',
+                                    creditor_identifier: 'DE98ZZZ09999999999'
+
+        sda = SEPA::DebtorAddress.new country_code:  'CH',
+                                      address_line1: 'Mustergasse 123',
+                                      address_line2: '1234 Musterstadt'
+
+        sdd.add_transaction name:                      'Zahlemann & Söhne GbR',
+                            bic:                       'SPUEDE2UXXX',
+                            iban:                      'DE21500500009876543210',
+                            amount:                    39.99,
+                            reference:                 'XYZ/2013-08-ABO/12345',
+                            remittance_information:    'Unsere Rechnung vom 10.08.2013',
+                            mandate_id:                'K-02-2011-12345',
+                            debtor_address:            sda,
+                            mandate_date_of_signature: Date.new(2011,1,25)
+
+        sdd
+      end
+
+      it 'should validate against pain.008.003.02' do
+        expect(subject.to_xml(SEPA::PAIN_008_003_02)).to validate_against('pain.008.003.02.xsd')
+      end
+    end
+
+    context 'setting debtor address with structured fields' do
+      subject do
+        sdd = SEPA::DirectDebit.new name:                'Gläubiger GmbH',
+                                    iban:                'DE87200500001234567890',
+                                    creditor_identifier: 'DE98ZZZ09999999999'
+
+        sda = SEPA::DebtorAddress.new country_code:    'CH',
+                                      street_name:     'Mustergasse',
+                                      building_number: '123',
+                                      post_code:       '1234',
+                                      town_name:       'Musterstadt'
+
+        sdd.add_transaction name:                      'Zahlemann & Söhne GbR',
+                            bic:                       'SPUEDE2UXXX',
+                            iban:                      'DE21500500009876543210',
+                            amount:                    39.99,
+                            reference:                 'XYZ/2013-08-ABO/12345',
+                            remittance_information:    'Unsere Rechnung vom 10.08.2013',
+                            mandate_id:                'K-02-2011-12345',
+                            debtor_address:            sda,
+                            mandate_date_of_signature: Date.new(2011,1,25)
+
+        sdd
+      end
+
+      it 'should validate against pain.008.001.02' do
+        expect(subject.to_xml(SEPA::PAIN_008_001_02)).to validate_against('pain.008.001.02.xsd')
+      end
+    end
+
+    context 'for valid creditor' do
+      context 'without BIC (IBAN-only)' do
+        subject do
+          sdd = SEPA::DirectDebit.new name:                'Gläubiger GmbH',
+                                      iban:                'DE87200500001234567890',
+                                      creditor_identifier: 'DE98ZZZ09999999999'
+
+          sdd.add_transaction name:                      'Zahlemann & Söhne GbR',
+                              bic:                       'SPUEDE2UXXX',
+                              iban:                      'DE21500500009876543210',
+                              amount:                    39.99,
+                              reference:                 'XYZ/2013-08-ABO/12345',
+                              remittance_information:    'Unsere Rechnung vom 10.08.2013',
+                              mandate_id:                'K-02-2011-12345',
+                              mandate_date_of_signature: Date.new(2011,1,25)
+
+          sdd
+        end
+
+        it 'should validate against pain.008.003.02' do
+          expect(subject.to_xml(SEPA::PAIN_008_003_02)).to validate_against('pain.008.003.02.xsd')
+        end
+
+        it 'should fail for pain.008.002.02' do
+          expect {
+            subject.to_xml(SEPA::PAIN_008_002_02)
+          }.to raise_error(SEPA::Error)
+        end
+
+        it 'should validate against pain.008.001.02' do
+          expect(subject.to_xml(SEPA::PAIN_008_001_02)).to validate_against('pain.008.001.02.xsd')
+        end
+      end
+
+      context 'with BIC' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction name:                      'Zahlemann & Söhne GbR',
+                              bic:                       'SPUEDE2UXXX',
+                              iban:                      'DE21500500009876543210',
+                              amount:                    39.99,
+                              reference:                 'XYZ/2013-08-ABO/12345',
+                              remittance_information:    'Unsere Rechnung vom 10.08.2013',
+                              mandate_id:                'K-02-2011-12345',
+                              mandate_date_of_signature: Date.new(2011,1,25)
+
+          sdd
+        end
+
+        it 'should validate against pain.008.001.02' do
+          expect(subject.to_xml(SEPA::PAIN_008_001_02)).to validate_against('pain.008.001.02.xsd')
+        end
+
+        it 'should validate against pain.008.002.02' do
+          expect(subject.to_xml(SEPA::PAIN_008_002_02)).to validate_against('pain.008.002.02.xsd')
+        end
+
+        it 'should validate against pain.008.003.02' do
+          expect(subject.to_xml(SEPA::PAIN_008_003_02)).to validate_against('pain.008.003.02.xsd')
+        end
+      end
+
+      context 'with BIC and debtor address ' do
+        subject do
+          sdd = direct_debit
+
+          sda = SEPA::DebtorAddress.new(
+            country_code: 'CH',
+            address_line1: 'Mustergasse 123',
+            address_line2: '1234 Musterstadt'
+          )
+
+          sdd.add_transaction name:                      'Zahlemann & Söhne GbR',
+                              bic:                       'SPUEDE2UXXX',
+                              iban:                      'DE21500500009876543210',
+                              amount:                    39.99,
+                              reference:                 'XYZ/2013-08-ABO/12345',
+                              remittance_information:    'Unsere Rechnung vom 10.08.2013',
+                              mandate_id:                'K-02-2011-12345',
+                              debtor_address:            sda,
+                              mandate_date_of_signature: Date.new(2011,1,25)
+
+          sdd
+        end
+
+        it 'should validate against pain.008.001.02' do
+          expect(subject.to_xml(SEPA::PAIN_008_001_02)).to validate_against('pain.008.001.02.xsd')
+        end
+
+        it 'should validate against pain.008.002.02' do
+          expect(subject.to_xml(SEPA::PAIN_008_002_02)).to validate_against('pain.008.002.02.xsd')
+        end
+
+        it 'should validate against pain.008.003.02' do
+          expect(subject.to_xml(SEPA::PAIN_008_003_02)).to validate_against('pain.008.003.02.xsd')
+        end
+      end
+
+      context 'without requested_date given' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction name:                      'Zahlemann & Söhne GbR',
+                              bic:                       'SPUEDE2UXXX',
+                              iban:                      'DE21500500009876543210',
+                              amount:                    39.99,
+                              reference:                 'XYZ/2013-08-ABO/12345',
+                              remittance_information:    'Unsere Rechnung vom 10.08.2013',
+                              mandate_id:                'K-02-2011-12345',
+                              mandate_date_of_signature: Date.new(2011,1,25)
+
+          sdd.add_transaction name:                      'Meier & Schulze oHG',
+                              iban:                      'DE68210501700012345678',
+                              amount:                    750.00,
+                              reference:                 'XYZ/2013-08-ABO/6789',
+                              remittance_information:    'Vielen Dank für Ihren Einkauf!',
+                              mandate_id:                'K-08-2010-42123',
+                              mandate_date_of_signature: Date.new(2010,7,25)
+
+          sdd.to_xml
+        end
+
+        it 'should create valid XML file' do
+          expect(subject).to validate_against('pain.008.003.02.xsd')
+        end
+
+        it 'should have creditor identifier' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/GrpHdr/InitgPty/Id/OrgId/Othr/Id', direct_debit.account.creditor_identifier)
+        end
+
+        it 'should contain <PmtInfId>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/PmtInfId', /#{message_id_regex}\/1/)
+        end
+
+        it 'should contain <ReqdColltnDt>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/ReqdColltnDt', Date.new(1999, 1, 1).iso8601)
+        end
+
+        it 'should contain <PmtMtd>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/PmtMtd', 'DD')
+        end
+
+        it 'should contain <BtchBookg>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/BtchBookg', 'true')
+        end
+
+        it 'should contain <NbOfTxs>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/NbOfTxs', '2')
+        end
+
+        it 'should contain <CtrlSum>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CtrlSum', '789.99')
+        end
+
+        it 'should contain <Cdtr>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/Cdtr/Nm', 'Gläubiger GmbH')
+        end
+
+        it 'should contain <CdtrAcct>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrAcct/Id/IBAN', 'DE87200500001234567890')
+        end
+
+        it 'should contain <CdtrAgt>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrAgt/FinInstnId/BIC', 'BANKDEFFXXX')
+        end
+
+        it 'should contain <CdtrAgt>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrSchmeId/Id/PrvtId/Othr/Id', 'DE98ZZZ09999999999')
+        end
+
+        it 'should contain <EndToEndId>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/PmtId/EndToEndId', 'XYZ/2013-08-ABO/12345')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/PmtId/EndToEndId', 'XYZ/2013-08-ABO/6789')
+        end
+
+        it 'should contain <InstdAmt>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/InstdAmt', '39.99')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/InstdAmt', '750.00')
+        end
+
+        it 'should contain <MndtId>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/DrctDbtTx/MndtRltdInf/MndtId', 'K-02-2011-12345')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/DrctDbtTx/MndtRltdInf/MndtId', 'K-08-2010-42123')
+        end
+
+        it 'should contain <DtOfSgntr>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/DrctDbtTx/MndtRltdInf/DtOfSgntr', '2011-01-25')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/DrctDbtTx/MndtRltdInf/DtOfSgntr', '2010-07-25')
+        end
+
+        it 'should contain <DbtrAgt>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/DbtrAgt/FinInstnId/BIC', 'SPUEDE2UXXX')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/DbtrAgt/FinInstnId/Othr/Id', 'NOTPROVIDED')
+        end
+
+        it 'should contain <Dbtr>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/Dbtr/Nm', 'Zahlemann & Söhne GbR')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/Dbtr/Nm', 'Meier & Schulze oHG')
+        end
+
+        it 'should contain <DbtrAcct>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/DbtrAcct/Id/IBAN', 'DE21500500009876543210')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/DbtrAcct/Id/IBAN', 'DE68210501700012345678')
+        end
+
+        it 'should contain <RmtInf>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/RmtInf/Ustrd', 'Unsere Rechnung vom 10.08.2013')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/RmtInf/Ustrd', 'Vielen Dank für Ihren Einkauf')
+        end
+      end
+
+      context 'with different requested_date given' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction(direct_debt_transaction.merge requested_date: Date.today + 1)
+          sdd.add_transaction(direct_debt_transaction.merge requested_date: Date.today + 2)
+          sdd.add_transaction(direct_debt_transaction.merge requested_date: Date.today + 2)
+
+          sdd.to_xml
+        end
+
+        it 'should contain two payment_informations with <ReqdColltnDt>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[1]/ReqdColltnDt', (Date.today + 1).iso8601)
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[2]/ReqdColltnDt', (Date.today + 2).iso8601)
+
+          expect(subject).not_to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[3]')
+        end
+
+        it 'should contain two payment_informations with different <PmtInfId>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[1]/PmtInfId', /#{message_id_regex}\/1/)
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[2]/PmtInfId', /#{message_id_regex}\/2/)
+        end
+      end
+
+      context 'with different local_instrument given' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction(direct_debt_transaction.merge local_instrument: 'CORE')
+          sdd.add_transaction(direct_debt_transaction.merge local_instrument: 'B2B')
+
+          sdd
+        end
+
+        it 'should have errors' do
+          expect(subject.errors_on(:base).size).to eq(1)
+        end
+
+        it 'should raise error on XML generation' do
+          expect {
+            subject.to_xml
+          }.to raise_error(SEPA::Error)
+        end
+      end
+
+      context 'with different sequence_type given' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction(direct_debt_transaction.merge sequence_type: 'OOFF')
+          sdd.add_transaction(direct_debt_transaction.merge sequence_type: 'FRST')
+          sdd.add_transaction(direct_debt_transaction.merge sequence_type: 'FRST')
+
+          sdd.to_xml
+        end
+
+        it 'should contain two payment_informations with <LclInstrm>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[1]/PmtTpInf/SeqTp', 'OOFF')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[2]/PmtTpInf/SeqTp', 'FRST')
+
+          expect(subject).not_to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[3]')
+        end
+      end
+
+      context 'with different batch_booking given' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction(direct_debt_transaction.merge batch_booking: false)
+          sdd.add_transaction(direct_debt_transaction.merge batch_booking: true)
+          sdd.add_transaction(direct_debt_transaction.merge batch_booking: true)
+
+          sdd.to_xml
+        end
+
+        it 'should contain two payment_informations with <BtchBookg>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[1]/BtchBookg', 'false')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[2]/BtchBookg', 'true')
+
+          expect(subject).not_to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[3]')
+        end
+      end
+
+      context 'with transactions containing different group criteria' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction(direct_debt_transaction.merge requested_date: Date.today + 1, sequence_type: 'OOFF', amount: 1)
+          sdd.add_transaction(direct_debt_transaction.merge requested_date: Date.today + 1, sequence_type: 'FNAL', amount: 2)
+          sdd.add_transaction(direct_debt_transaction.merge requested_date: Date.today + 2, sequence_type: 'OOFF', amount: 4)
+          sdd.add_transaction(direct_debt_transaction.merge requested_date: Date.today + 2, sequence_type: 'FNAL', amount: 8)
+
+          sdd.to_xml
+        end
+
+        it 'should contain multiple payment_informations' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[1]/ReqdColltnDt', (Date.today + 1).iso8601)
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[1]/PmtTpInf/SeqTp', 'OOFF')
+
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[2]/ReqdColltnDt', (Date.today + 1).iso8601)
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[2]/PmtTpInf/SeqTp', 'FNAL')
+
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[3]/ReqdColltnDt', (Date.today + 2).iso8601)
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[3]/PmtTpInf/SeqTp', 'OOFF')
+
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[4]/ReqdColltnDt', (Date.today + 2).iso8601)
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[4]/PmtTpInf/SeqTp', 'FNAL')
+        end
+
+        it 'should have multiple control sums' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[1]/CtrlSum', '1.00')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[2]/CtrlSum', '2.00')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[3]/CtrlSum', '4.00')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[4]/CtrlSum', '8.00')
+        end
+      end
+
+      context 'with transactions containing different creditor_account' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction(direct_debt_transaction)
+          sdd.add_transaction(direct_debt_transaction.merge(creditor_account: SEPA::CreditorAccount.new(
+                                                                                name:                'Creditor Inc.',
+                                                                                bic:                 'RABONL2U',
+                                                                                iban:                'NL08RABO0135742099',
+                                                                                creditor_identifier: 'NL53ZZZ091734220000'))
+          )
+
+          sdd.to_xml
+        end
+
+        it 'should contain two payment_informations with <Cdtr>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[1]/Cdtr/Nm', 'Gläubiger GmbH')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf[2]/Cdtr/Nm', 'Creditor Inc.')
+        end
+      end
+
+      context 'with mandate amendments' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction(direct_debt_transaction.merge(original_debtor_account: 'NL08RABO0135742099'))
+          sdd.add_transaction(direct_debt_transaction.merge(same_mandate_new_debtor_agent: true))
+          sdd.add_transaction(direct_debt_transaction.merge(original_creditor_account: SEPA::CreditorAccount.new(creditor_identifier: 'NL53ZZZ091734220000', name: 'Creditor Inc.')))
+          sdd.to_xml
+        end
+
+        it 'should include amendment indicator' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/DrctDbtTx/MndtRltdInf/AmdmntInd', 'true')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/DrctDbtTx/MndtRltdInf/AmdmntInd', 'true')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[3]/DrctDbtTx/MndtRltdInf/AmdmntInd', 'true')
+        end
+
+        it 'should include amendment information details' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/DrctDbtTx/MndtRltdInf/AmdmntInfDtls/OrgnlDbtrAcct/Id/IBAN', 'NL08RABO0135742099')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[2]/DrctDbtTx/MndtRltdInf/AmdmntInfDtls/OrgnlDbtrAgt/FinInstnId/Othr/Id', 'SMNDA')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[3]/DrctDbtTx/MndtRltdInf/AmdmntInfDtls/OrgnlCdtrSchmeId/Nm', 'Creditor Inc.')
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[3]/DrctDbtTx/MndtRltdInf/AmdmntInfDtls/OrgnlCdtrSchmeId/Id/PrvtId/Othr/Id', 'NL53ZZZ091734220000')
+        end
+      end
+
+      context 'with instruction given' do
+        subject do
+          sct = direct_debit
+
+          sct.add_transaction(direct_debt_transaction.merge(instruction: '1234/ABC'))
+
+          sct.to_xml
+        end
+
+        it 'should create valid XML file' do
+          expect(subject).to validate_against('pain.008.003.02.xsd')
+        end
+
+        it 'should contain <InstrId>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/PmtId/InstrId', '1234/ABC')
+        end
+      end
+
+      context 'with large message identification' do
+        subject do
+          sct = direct_debit
+          sct.message_identification = 'A' * 35
+          sct.add_transaction(direct_debt_transaction.merge(instruction: '1234/ABC'))
+          sct
+        end
+
+        it 'should fail as the payment identification becomes too large' do
+          expect { subject.to_xml }.to raise_error(SEPA::Error)
+        end
+      end
+
+      context 'with a different currency given' do
+        subject do
+          sct = direct_debit
+
+          sct.add_transaction(direct_debt_transaction.merge(instruction: '1234/ABC', currency: 'SEK'))
+
+          sct
+        end
+
+        it 'should validate against pain.001.001.03' do
+          expect(subject.to_xml(SEPA::PAIN_008_001_02)).to validate_against('pain.008.001.02.xsd')
+        end
+
+        it 'should have a CHF Ccy' do
+          doc = Nokogiri::XML(subject.to_xml('pain.008.001.02'))
+          doc.remove_namespaces!
+
+          nodes = doc.xpath('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/InstdAmt')
+          expect(nodes.length).to eql(1)
+          expect(nodes.first.attribute('Ccy').value).to eql('SEK')
+        end
+
+        it 'should fail for pain.008.002.02' do
+          expect {
+            subject.to_xml(SEPA::PAIN_008_002_02)
+          }.to raise_error(SEPA::Error)
+        end
+
+        it 'should fail for pain.008.003.02' do
+          expect {
+            subject.to_xml(SEPA::PAIN_008_003_02)
+          }.to raise_error(SEPA::Error)
+        end
+      end
+    end
+
+    context 'xml_schema_header' do
+      subject { sepa_direct_debit.to_xml(format) }
+
+      let(:sepa_direct_debit) do
+        SEPA::DirectDebit.new name: 'Gläubiger GmbH',
+                              iban: 'DE87200500001234567890',
+                              creditor_identifier: 'DE98ZZZ09999999999'
+      end
+
+      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: 'Zahlemann & Söhne GbR',
+          bic: 'SPUEDE2UXXX',
+          iban: 'DE21500500009876543210',
+          amount: 39.99,
+          reference: 'XYZ/2013-08-ABO/12345',
+          remittance_information: 'Unsere Rechnung vom 10.08.2013',
+          mandate_id: 'K-02-2011-12345',
+          mandate_date_of_signature: Date.new(2011, 1, 25)
+        }
+      end
+
+      before do
+        sepa_direct_debit.add_transaction transaction
+      end
+
+      context "when format is #{SEPA::PAIN_008_001_02}" do
+        let(:format) { SEPA::PAIN_008_001_02 }
+
+        it 'should return correct header' do
+          is_expected.to start_with(xml_header)
+        end
+      end
+
+      context "when format is #{SEPA::PAIN_008_002_02}" do
+        let(:format) { SEPA::PAIN_008_002_02 }
+        let(:sepa_direct_debit) do
+          SEPA::DirectDebit.new name: 'Gläubiger GmbH',
+                                bic: 'SPUEDE2UXXX',
+                                iban: 'DE87200500001234567890',
+                                creditor_identifier: 'DE98ZZZ09999999999'
+        end
+        let(:transaction) do
+          {
+            name: 'Zahlemann & Söhne GbR',
+            bic: 'SPUEDE2UXXX',
+            iban: 'DE21500500009876543210',
+            amount: 39.99,
+            reference: 'XYZ/2013-08-ABO/12345',
+            remittance_information: 'Unsere Rechnung vom 10.08.2013',
+            mandate_id: 'K-02-2011-12345',
+            debtor_address: SEPA::DebtorAddress.new(
+              country_code: 'CH',
+              address_line1: 'Mustergasse 123',
+              address_line2: '1234 Musterstadt'
+            ),
+            mandate_date_of_signature: Date.new(2011, 1, 25)
+          }
+        end
+
+        it 'should return correct header' do
+          is_expected.to start_with(xml_header)
+        end
+      end
+
+      context "when format is #{SEPA::PAIN_008_003_02}" do
+        let(:format) { SEPA::PAIN_008_003_02 }
+
+        it 'should return correct header' do
+          is_expected.to start_with(xml_header)
+        end
+      end
+    end
+  end
+end