sps_king 0.1.0

data/spec/lib/sps_king/message/credit_transfer_spec.rb

@@ -0,0 +1,350 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SPS::CreditTransfer do
+  let(:message_id_regex) { /SPS-KING\/[0-9a-z_]{22}/ }
+  let(:credit_transfer) {
+    SPS::CreditTransfer.new(
+      name: 'Schuldner GmbH',
+      bic:  'RAIFCH22',
+      iban: 'CH5481230000001998736'
+    )
+  }
+
+  describe :new do
+    it 'should accept missing options' do
+      expect {
+        SPS::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 {
+          SPS::CreditTransfer.new.to_xml
+        }.to raise_error(SPS::Error)
+      end
+    end
+
+    context 'setting creditor address with adrline' do
+      subject do
+        sct = SPS::CreditTransfer.new(
+                name: 'Schuldner GmbH',
+                iban: 'CH5481230000001998736',
+                bic:  'RAIFCH22'
+              )
+
+        sca = SPS::CreditorAddress.new(
+                country_code:  'CH',
+                address_line1: 'Mustergasse 123',
+                address_line2: '1234 Musterstadt'
+              )
+
+        sct.add_transaction(
+          name:                   'Contoso AG',
+          bic:                    'CRESCHZZ80A',
+          iban:                   'CH9300762011623852957',
+          currency:               'CHF',
+          amount:                 102.50,
+          reference:              'XYZ-1234/123',
+          remittance_information: 'Rechnung vom 22.08.2013',
+          creditor_address:       sca
+        )
+
+        sct
+      end
+
+      it 'should validate against pain.001.001.03.ch.02' do
+        expect(
+          subject.to_xml(SPS::PAIN_001_001_03_CH_02)
+        ).to validate_against('pain.001.001.03.ch.02.xsd')
+      end
+    end
+
+    context 'setting creditor address with structured fields' do
+      subject do
+        sct = SPS::CreditTransfer.new(
+                name: 'Schuldner GmbH',
+                iban: 'CH5481230000001998736',
+                bic:  'RAIFCH22'
+              )
+
+        sca = SPS::CreditorAddress.new(
+                country_code:    'CH',
+                street_name:     'Mustergasse',
+                building_number: '123',
+                post_code:       '1234',
+                town_name:       'Musterstadt'
+              )
+
+        sct.add_transaction(
+          name:                   'Contoso AG',
+          bic:                    'CRESCHZZ80A',
+          iban:                   'CH9300762011623852957',
+          amount:                 102.50,
+          reference:              'XYZ-1234/123',
+          remittance_information: 'Rechnung vom 22.08.2013',
+          creditor_address:       sca
+        )
+
+        sct
+      end
+
+      it "should validate against pain.001.001.03.ch.02" do
+        expect(subject.to_xml(SPS::PAIN_001_001_03_CH_02))
+          .to validate_against("pain.001.001.03.ch.02.xsd")
+      end
+    end
+
+    context 'for valid debtor' do
+      context 'with BIC' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction(
+            name:                   'Contoso AG',
+            bic:                    'CRESCHZZ80A',
+            iban:                   'CH9300762011623852957',
+            service_level:          'SEPA',
+            amount:                 102.50,
+            reference:              'XYZ-1234/123',
+            remittance_information: 'Rechnung vom 22.08.2013'
+          )
+
+          sct
+        end
+
+        it 'should validate against pain.001.001.03.ch.02' do
+          expect(subject.to_xml('pain.001.001.03.ch.02')).to validate_against('pain.001.001.03.ch.02.xsd')
+        end
+      end
+
+      context 'without requested_date given' do
+        subject do
+          sct = credit_transfer
+
+          sct.add_transaction(
+            name:                   'Contoso AG',
+            bic:                    'CRESCHZZ80A',
+            iban:                   'CH9300762011623852957',
+            amount:                 102.50,
+            reference:              'XYZ-1234/123',
+            remittance_information: 'Rechnung vom 22.08.2013'
+          )
+
+          sct.add_transaction(
+            name:                   'Amazonas GmbH',
+            bic:                    'RAIFCH22C32',
+            iban:                   'CH7081232000001998736',
+            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.001.001.03.ch.02.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', 'CH5481230000001998736')
+        end
+
+        it 'should contain <DbtrAgt>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/DbtrAgt/FinInstnId/BIC', 'RAIFCH22')
+        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', 'CRESCHZZ80A')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[2]/CdtrAgt/FinInstnId/BIC', 'RAIFCH22C32')
+        end
+
+        it 'should contain <Cdtr>' do
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/Cdtr/Nm', 'Contoso 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', 'CH9300762011623852957')
+          expect(subject).to have_xml('//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[2]/CdtrAcct/Id/IBAN', 'CH7081232000001998736')
+        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:        'Contoso AG',
+            iban:        'CH5481230000001998736',
+            bic:         'RAIFCH22',
+            amount:      102.50,
+            instruction: '1234/ABC'
+          )
+
+          sct.to_xml
+        end
+
+        it 'should create valid XML file' do
+          expect(subject).to validate_against('pain.001.001.03.ch.02.xsd')
+        end
+
+        it 'should contain <InstrId>' do
+          expect(subject)
+            .to have_xml(
+              '//Document/CstmrCdtTrfInitn/PmtInf/CdtTrfTxInf[1]/PmtId/InstrId',
+              '1234/ABC'
+            )
+        end
+      end
+    end
+  end
+end

data/spec/lib/sps_king/message/direct_debit_spec.rb

@@ -0,0 +1,483 @@
+# encoding: utf-8
+require 'spec_helper'
+
+describe SPS::DirectDebit do
+  let(:message_id_regex) { /SPS-KING\/[0-9a-z_]{22}/ }
+
+  let(:direct_debit) {
+    SPS::DirectDebit.new(
+      name:                'Gläubiger GmbH',
+      iban:                'CH5481230000001998736',
+      creditor_identifier: 'DE98ZZZ09999999999'
+    )
+  }
+
+  describe :new do
+    it 'should accept missing options' do
+      expect {
+        SPS::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 {
+          SPS::DirectDebit.new.to_xml
+        }.to raise_error(SPS::Error)
+      end
+    end
+
+    context 'setting debtor address with adrline' do
+      subject do
+        sdd = SPS::DirectDebit.new(
+          name:                'Gläubiger GmbH',
+          iban:                'CH7081232000001998736',
+          creditor_identifier: 'ABC1W'
+        )
+
+        sda = SPS::DebtorAddress.new(
+          country_code:  'CH',
+          address_line1: 'Mustergasse 123',
+          address_line2: '1234 Musterstadt'
+        )
+
+        sdd.add_transaction(
+          name:                      'Zahlemann & Söhne GbR',
+          iban:                      'CH9804835011062385295',
+          amount:                    39.99,
+          instruction:               '12',
+          reference:                 'XYZ/2013-08-ABO/12345',
+          remittance_information:    'Unsere Rechnung vom 10.08.2013',
+          debtor_address:            sda,
+          structured_remittance_information: structured_remittance_information
+        )
+
+        sdd
+      end
+
+      it 'should validate against pain.008.001.02.ch.03' do
+        expect(subject.to_xml(SPS::PAIN_008_001_02_CH_03))
+          .to validate_against('pain.008.001.02.ch.03.xsd')
+      end
+    end
+
+    context 'setting debtor address with structured fields' do
+      subject do
+        sdd = SPS::DirectDebit.new(
+          name:                'Gläubiger GmbH',
+          iban:                'CH7081232000001998736',
+          creditor_identifier: 'ABC1W'
+        )
+
+        sda = SPS::DebtorAddress.new(
+          country_code: 'CH',
+          street_name:  'Mustergasse 123',
+          post_code:    '1234',
+          town_name:    'Musterstadt'
+        )
+
+        sdd.add_transaction(
+          name:                      'Zahlemann & Söhne GbR',
+          iban:                      'CH9804835011062385295',
+          amount:                    39.99,
+          instruction:               '12',
+          reference:                 'XYZ/2013-08-ABO/12345',
+          remittance_information:    'Unsere Rechnung vom 10.08.2013',
+          debtor_address:            sda,
+          structured_remittance_information: structured_remittance_information
+        )
+
+        sdd
+      end
+
+      it 'should validate against pain.008.001.02.ch.03' do
+        expect(subject.to_xml(SPS::PAIN_008_001_02_CH_03))
+          .to validate_against('pain.008.001.02.ch.03.xsd')
+      end
+    end
+
+    context 'for valid creditor' do
+      context 'for swiss direct debits' do
+        let(:creditor_iban) { 'CH7081232000001998736' }
+        let(:debtior_iban)  { 'CH9804835011062385295' }
+
+        let(:direct_debit) do
+          sdd = SPS::DirectDebit.new(
+            name:                      'Muster AG',
+            isr_participant_number:    '010001456',
+            iban:                      creditor_iban,
+            creditor_identifier:       'ABC1W'
+          )
+
+          sda = SPS::DebtorAddress.new(
+            country_code: 'CH',
+            address_line1: 'Mustergasse 123',
+            address_line2: '1234 Musterstadt'
+          )
+
+          sdd.add_transaction(
+            {
+              name:                      'HANS TESTER',
+              iban:                      debtior_iban,
+              currency:                  'CHF',
+              amount:                    '100.0',
+              remittance_information:    'According to invoice 4712',
+              reference:                 'XYZ/2013-08-ABO/12345',
+              service_level:             service_level,
+              local_instrument:          local_instrument,
+              requested_date:            requested_date,
+              instruction:               23,
+              debtor_address:            sda,
+              structured_remittance_information: SPS::StructuredRemittanceInformation.new(
+                proprietary: 'ESR',
+                reference:   '185744810000000000200800628'
+              )
+            }.merge(additional_fields)
+          )
+
+          sdd
+        end
+
+        let(:service_level) { 'CHTA' }
+        let(:local_instrument) { 'LSV+' }
+
+        let(:additional_fields) { {} }
+
+        let(:requested_date) { Date.today.next }
+
+        context 'as xml' do
+          subject do
+            direct_debit.to_xml(SPS::PAIN_008_001_02_CH_03)
+          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', requested_date.iso8601)
+          end
+
+          it 'should contain <PmtMtd>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/PmtMtd', 'DD')
+          end
+
+          it 'should not contain <BtchBookg>' do
+            expect(subject).not_to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/BtchBookg')
+          end
+
+          it 'should not contain <NbOfTxs>' do
+            expect(subject).not_to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/NbOfTxs')
+          end
+
+          it 'should not contain <CtrlSum>' do
+            expect(subject).not_to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CtrlSum')
+          end
+
+          it 'should contain <Cdtr>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/Cdtr/Nm', 'Muster AG')
+          end
+
+          it 'should contain <CdtrAcct>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrAcct/Id/IBAN', 'CH7081232000001998736')
+          end
+
+          it 'should contain <CdtrAgt>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrAgt/FinInstnId/ClrSysMmbId/MmbId', '81232')
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrAgt/FinInstnId/Othr/Id', '010001456')
+          end
+
+          it 'should not contain <ChrgBr>' do
+            expect(subject).not_to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/ChrgBr')
+          end
+
+          context 'when service_level is CHTA' do
+            it 'should contain <CdtrSchmeId>' do
+              expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrSchmeId/Id/PrvtId/Othr/Id', direct_debit.account.creditor_identifier)
+              expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrSchmeId/Id/PrvtId/Othr/SchmeNm/Prtry', 'CHLS')
+            end
+          end
+
+          context 'when service_level is CHDD' do
+            let(:service_level) { 'CHDD' }
+            let(:local_instrument) { 'DDCOR1' }
+
+            it 'should contain <CdtrSchmeId>' do
+              expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrSchmeId/Id/PrvtId/Othr/Id', direct_debit.account.creditor_identifier)
+              expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/CdtrSchmeId/Id/PrvtId/Othr/SchmeNm/Prtry', 'CHDD')
+            end
+          end
+
+          it 'should contain <EndToEndId>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/PmtId/EndToEndId', 'XYZ/2013-08-ABO/12345')
+          end
+
+          it 'should contain <InstdAmt>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/InstdAmt', '100.00')
+          end
+
+          it 'should contain <DbtrAgt>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/DbtrAgt/FinInstnId/ClrSysMmbId/MmbId', '4835')
+          end
+
+          it 'should contain <Dbtr>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/Dbtr/Nm', 'HANS TESTER')
+          end
+
+          it 'should contain <DbtrAcct>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/DbtrAcct/Id/IBAN', 'CH9804835011062385295')
+          end
+
+          it 'should contain <Ustrd>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/RmtInf/Ustrd', 'According to invoice 4712')
+          end
+
+          it 'should contain <Strd>' do
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/RmtInf/Strd/CdtrRefInf/Tp/CdOrPrtry/Prtry', 'ESR')
+            expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/DrctDbtTxInf[1]/RmtInf/Strd/CdtrRefInf/Ref', '185744810000000000200800628')
+          end
+        end
+
+        context 'with service_level CHDD' do
+          let(:service_level)    { 'CHDD' }
+
+          context 'with local_instrument DDCOR1' do
+            let(:local_instrument) { 'DDCOR1' }
+
+            it 'should validate against pain.008.001.02.ch.03' do
+              expect(direct_debit.to_xml(SPS::PAIN_008_001_02_CH_03)).to validate_against('pain.008.001.02.ch.03.xsd')
+            end
+          end
+
+          context 'with local_instrument DDB2B' do
+            let(:local_instrument) { 'DDB2B' }
+
+            it 'should validate against pain.008.001.02.ch.03' do
+              expect(direct_debit.to_xml(SPS::PAIN_008_001_02_CH_03)).to validate_against('pain.008.001.02.ch.03.xsd')
+            end
+          end
+        end
+
+        context 'with service_level CHTA' do
+          let(:service_level) { 'CHTA' }
+
+          context 'with local_instrument LSV+' do
+            let(:local_instrument) { 'LSV+' }
+
+            it 'should validate against pain.008.001.02.ch.03' do
+              expect(direct_debit.to_xml(SPS::PAIN_008_001_02_CH_03)).to validate_against('pain.008.001.02.ch.03.xsd')
+            end
+          end
+
+          context 'with local_instrument BDD' do
+            let(:local_instrument) { 'BDD' }
+
+            it 'should validate against pain.008.001.02.ch.03' do
+              expect(direct_debit.to_xml(SPS::PAIN_008_001_02_CH_03)).to validate_against('pain.008.001.02.ch.03.xsd')
+            end
+          end
+        end
+
+        context 'without structured_remittance_information' do
+          it 'should not be schema compatible' do
+            direct_debit.transactions.first.structured_remittance_information = nil
+
+            expect {
+              direct_debit.to_xml(SPS::PAIN_008_001_02_CH_03)
+            }.to raise_error(SPS::Error, "Incompatible with schema pain.008.001.02.ch.03!")
+          end
+        end
+      end
+
+      context 'without requested_date given' do
+        subject do
+          sdd = direct_debit
+
+          sdd.add_transaction(
+            name:                      'Zahlemann & Söhne GbR',
+            iban:                      'CH9804835011062385295',
+            amount:                    39.99,
+            instruction:               '12',
+            reference:                 'XYZ/2013-08-ABO/12345',
+            remittance_information:    'Unsere Rechnung vom 10.08.2013',
+            structured_remittance_information: structured_remittance_information
+          )
+
+          sdd.add_transaction(
+            name:                      'Meier & Schulze oHG',
+            iban:                      'CH7081232000001998736',
+            amount:                    750.00,
+            instruction:               '34',
+            reference:                 'XYZ/2013-08-ABO/6789',
+            remittance_information:    'Vielen Dank für Ihren Einkauf!',
+            structured_remittance_information: structured_remittance_information
+          )
+
+          sdd.to_xml
+        end
+
+        it 'should create valid XML file' do
+          expect(subject).to validate_against('pain.008.001.02.ch.03.xsd')
+        end
+
+        it 'should contain <ReqdColltnDt>' do
+          expect(subject).to have_xml('//Document/CstmrDrctDbtInitn/PmtInf/ReqdColltnDt', Date.new(1999, 1, 1).iso8601)
+        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: 'LSV+')
+          sdd.add_transaction(direct_debt_transaction.merge local_instrument: 'BDD')
+
+          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(SPS::Error)
+        end
+      end
+
+      context 'with mismatching local_instrument given' do
+        subject do
+          sdd = direct_debit
+
+
+          sdd.add_transaction(direct_debt_transaction.merge(local_instrument: 'DDCOR1'))
+
+          sdd
+        end
+
+        it 'raises an ArgumentError' do
+          expect {
+            subject.add_transaction(direct_debt_transaction.merge(local_instrument: 'DDB2B'))
+          }.to raise_error(
+            ArgumentError,
+            'Local instrument is not correct. Must be one of LSV+, BDD'
+          )
+        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: SPS::CreditorAccount.new(
+                name:                'Creditor Inc.',
+                iban:                'CH5604835012345678009',
+                creditor_identifier: 'ABC1W'
+              )
+            )
+          )
+
+          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 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(SPS::Error)
+        end
+      end
+    end
+  end
+end