start_activemerchant 1.50.0

data/lib/active_merchant/billing/gateways/conekta.rb

@@ -0,0 +1,210 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class ConektaGateway < Gateway
+      self.live_url = 'https://api.conekta.io/'
+
+      self.supported_countries = ['MX']
+      self.supported_cardtypes = [:visa, :master, :american_express]
+      self.homepage_url = 'https://conekta.io/'
+      self.display_name = 'Conekta Gateway'
+      self.money_format = :cents
+      self.default_currency = 'MXN'
+
+      def initialize(options = {})
+        requires!(options, :key)
+        options[:version] ||= '0.3.0'
+        super
+      end
+
+      def purchase(money, payment_source, options = {})
+        post = {}
+
+        add_order(post, money, options)
+        add_payment_source(post, payment_source, options)
+        add_details_data(post, options)
+
+        commit(:post, 'charges', post)
+      end
+
+      def authorize(money, payment_source, options = {})
+        post = {}
+
+        add_order(post, money, options)
+        add_payment_source(post, payment_source, options)
+        add_details_data(post, options)
+
+        post[:capture] = false
+        commit(:post, "charges", post)
+      end
+
+      def capture(money, identifier, options = {})
+        post = {}
+
+        post[:order_id] = identifier
+        add_order(post, money, options)
+
+        commit(:post, "charges/#{identifier}/capture", post)
+      end
+
+      def refund(money, identifier, options)
+        post = {}
+
+        post[:order_id] = identifier
+        add_order(post, money, options)
+
+        commit(:post, "charges/#{identifier}/refund", post)
+      end
+
+      private
+
+      def add_order(post, money, options)
+        post[:description] = options[:description] || "Active Merchant Purchase"
+        post[:reference_id] = options[:order_id] if options[:order_id]
+        post[:currency] = (options[:currency] || currency(money)).downcase
+        post[:amount] = amount(money)
+      end
+
+      def add_details_data(post, options)
+        details = {}
+        details[:name] = options[:customer] if options[:customer]
+        details[:email] = options[:email] if options[:email]
+        details[:phone] = options[:phone] if options[:phone]
+        post[:device_fingerprint] = options[:device_fingerprint] if options[:device_fingerprint]
+        details[:ip] = options[:ip] if options[:ip]
+        add_billing_address(details, options)
+        add_line_items(details, options)
+        add_shipment(details, options)
+
+        post[:details] = details
+      end
+
+      def add_shipment(post, options)
+        shipment = {}
+        shipment[:carrier] = options[:carrier] if options[:carrier]
+        shipment[:service] = options[:service] if options[:service]
+        shipment[:tracking_number] = options[:tracking_number] if options[:tracking_number]
+        shipment[:price] = options[:price] if options[:price]
+        add_shipment_address(shipment, options)
+        post[:shipment] = shipment
+      end
+
+      def add_shipment_address(post, options)
+        if(address = options[:shipping_address])
+          post[:address] = {}
+          post[:address][:street1] = address[:address1] if address[:address1]
+          post[:address][:street2] = address[:address2] if address[:address2]
+          post[:address][:street3] = address[:address3] if address[:address3]
+          post[:address][:city] = address[:city] if address[:city]
+          post[:address][:state] = address[:state] if address[:state]
+          post[:address][:country] = address[:country] if address[:country]
+          post[:address][:zip] = address[:zip] if address[:zip]
+        end
+      end
+
+      def add_line_items(post, options)
+        post[:line_items] = (options[:line_items] || []).collect do |line_item|
+          line_item
+        end
+      end
+
+      def add_billing_address(post, options)
+        if(address = (options[:billing_address] || options[:address]))
+          post[:billing_address] = {}
+          post[:billing_address][:street1] = address[:address1] if address[:address1]
+          post[:billing_address][:street2] = address[:address2] if address[:address2]
+          post[:billing_address][:street3] = address[:address3] if address[:address3]
+          post[:billing_address][:city] = address[:city] if address[:city]
+          post[:billing_address][:state] = address[:state] if address[:state]
+          post[:billing_address][:country] = address[:country] if address[:country]
+          post[:billing_address][:zip] = address[:zip] if address[:zip]
+          post[:billing_address][:company_name] = address[:company_name] if address[:company_name]
+          post[:billing_address][:tax_id] = address[:tax_id] if address[:tax_id]
+          post[:billing_address][:name] = address[:name] if address[:name]
+          post[:billing_address][:phone] = address[:phone] if address[:phone]
+          post[:billing_address][:email] = address[:email] if address[:email]
+        end
+      end
+
+      def add_address(post, options)
+        if(address = (options[:billing_address] || options[:address]))
+          post[:address] = {}
+          post[:address][:street1] = address[:address1] if address[:address1]
+          post[:address][:street2] = address[:address2] if address[:address2]
+          post[:address][:street3] = address[:address3] if address[:address3]
+          post[:address][:city] = address[:city] if address[:city]
+          post[:address][:state] = address[:state] if address[:state]
+          post[:address][:country] = address[:country] if address[:country]
+          post[:address][:zip] = address[:zip] if address[:zip]
+        end
+      end
+
+      def add_payment_source(post, payment_source, options)
+        if payment_source.kind_of?(String)
+          post[:card] = payment_source
+        elsif payment_source.respond_to?(:number)
+          post[:card] = {}
+          post[:card][:name] = payment_source.name
+          post[:card][:cvc] = payment_source.verification_value
+          post[:card][:number] = payment_source.number
+          post[:card][:exp_month] = "#{sprintf("%02d", payment_source.month)}"
+          post[:card][:exp_year] = "#{"#{payment_source.year}"[-2, 2]}"
+          add_address(post[:card], options)
+        end
+      end
+
+      def parse(body)
+        return {} unless body
+        JSON.parse(body)
+      end
+
+      def headers(meta)
+        {
+          "Accept" => "application/vnd.conekta-v#{options[:version]}+json",
+          "Accept-Language" => "es",
+          "Authorization" => "Basic " + Base64.encode64("#{options[:key]}:"),
+          "RaiseHtmlError" => "false",
+          "Conekta-Client-User-Agent" => {"agent"=>"Conekta ActiveMerchantBindings/#{ActiveMerchant::VERSION}"}.to_json,
+          "X-Conekta-Client-User-Agent" => user_agent,
+          "X-Conekta-Client-User-Metadata" => meta.to_json
+        }
+      end
+
+      def commit(method, url, parameters, options = {})
+        success = false
+        begin
+          raw_response = parse(ssl_request(method, live_url + url, (parameters ? parameters.to_query : nil), headers(options[:meta])))
+          success = (raw_response.key?("object") && (raw_response["object"] != "error"))
+        rescue ResponseError => e
+          raw_response = response_error(e.response.body)
+        rescue JSON::ParserError
+          raw_response = json_error(raw_response)
+        end
+
+        Response.new(
+          success,
+          raw_response["message_to_purchaser"],
+          raw_response,
+          test: test?,
+          authorization: raw_response["id"]
+        )
+      end
+
+      def response_error(raw_response)
+        begin
+          parse(raw_response)
+        rescue JSON::ParserError
+          json_error(raw_response)
+        end
+      end
+
+      def json_error(raw_response)
+        msg = 'Invalid response received from the Conekta API.'
+        msg += "  (The raw response returned by the API was #{raw_response.inspect})"
+        {
+          "message" => msg
+        }
+      end
+    end
+  end
+end
+

data/lib/active_merchant/billing/gateways/cyber_source.rb

@@ -0,0 +1,720 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # See the remote and mocked unit test files for example usage.  Pay special
+    # attention to the contents of the options hash.
+    #
+    # Initial setup instructions can be found in
+    # http://cybersource.com/support_center/implementation/downloads/soap_api/SOAP_toolkits.pdf
+    #
+    # Debugging
+    # If you experience an issue with this gateway be sure to examine the
+    # transaction information from a general transaction search inside the
+    # CyberSource Business Center for the full error messages including field
+    # names.
+    #
+    # Important Notes
+    # * For checks you can purchase and store.
+    # * AVS and CVV only work against the production server.  You will always
+    #   get back X for AVS and no response for CVV against the test server.
+    # * Nexus is the list of states or provinces where you have a physical
+    #   presence.  Nexus is used to calculate tax.  Leave blank to tax everyone.
+    # * If you want to calculate VAT for overseas customers you must supply a
+    #   registration number in the options hash as vat_reg_number.
+    # * productCode is a value in the line_items hash that is used to tell
+    #   CyberSource what kind of item you are selling.  It is used when
+    #   calculating tax/VAT.
+    # * All transactions use dollar values.
+    # * To process pinless debit cards through the pinless debit card
+    #   network, your Cybersource merchant account must accept pinless
+    #   debit card payments.
+    # * The order of the XML elements does matter, make sure to follow the order in
+    #   the documentation exactly.
+    class CyberSourceGateway < Gateway
+      self.test_url = 'https://ics2wstest.ic3.com/commerce/1.x/transactionProcessor'
+      self.live_url = 'https://ics2ws.ic3.com/commerce/1.x/transactionProcessor'
+
+      XSD_VERSION = "1.109"
+
+      # visa, master, american_express, discover
+      self.supported_cardtypes = [:visa, :master, :american_express, :discover]
+      self.supported_countries = %w(US BR CA CN DK FI FR DE JP MX NO SE GB SG)
+      self.default_currency = 'USD'
+      self.homepage_url = 'http://www.cybersource.com'
+      self.display_name = 'CyberSource'
+
+      # map credit card to the CyberSource expected representation
+      @@credit_card_codes = {
+        :visa  => '001',
+        :master => '002',
+        :american_express => '003',
+        :discover => '004'
+      }
+
+      # map response codes to something humans can read
+      @@response_codes = {
+        :r100 => "Successful transaction",
+        :r101 => "Request is missing one or more required fields" ,
+        :r102 => "One or more fields contains invalid data",
+        :r150 => "General failure",
+        :r151 => "The request was received but a server time-out occurred",
+        :r152 => "The request was received, but a service timed out",
+        :r200 => "The authorization request was approved by the issuing bank but declined by CyberSource because it did not pass the AVS check",
+        :r201 => "The issuing bank has questions about the request",
+        :r202 => "Expired card",
+        :r203 => "General decline of the card",
+        :r204 => "Insufficient funds in the account",
+        :r205 => "Stolen or lost card",
+        :r207 => "Issuing bank unavailable",
+        :r208 => "Inactive card or card not authorized for card-not-present transactions",
+        :r209 => "American Express Card Identifiction Digits (CID) did not match",
+        :r210 => "The card has reached the credit limit",
+        :r211 => "Invalid card verification number",
+        :r221 => "The customer matched an entry on the processor's negative file",
+        :r230 => "The authorization request was approved by the issuing bank but declined by CyberSource because it did not pass the card verification check",
+        :r231 => "Invalid account number",
+        :r232 => "The card type is not accepted by the payment processor",
+        :r233 => "General decline by the processor",
+        :r234 => "A problem exists with your CyberSource merchant configuration",
+        :r235 => "The requested amount exceeds the originally authorized amount",
+        :r236 => "Processor failure",
+        :r237 => "The authorization has already been reversed",
+        :r238 => "The authorization has already been captured",
+        :r239 => "The requested transaction amount must match the previous transaction amount",
+        :r240 => "The card type sent is invalid or does not correlate with the credit card number",
+        :r241 => "The request ID is invalid",
+        :r242 => "You requested a capture, but there is no corresponding, unused authorization record.",
+        :r243 => "The transaction has already been settled or reversed",
+        :r244 => "The bank account number failed the validation check",
+        :r246 => "The capture or credit is not voidable because the capture or credit information has already been submitted to your processor",
+        :r247 => "You requested a credit for a capture that was previously voided",
+        :r250 => "The request was received, but a time-out occurred with the payment processor",
+        :r254 => "Your CyberSource account is prohibited from processing stand-alone refunds",
+        :r255 => "Your CyberSource account is not configured to process the service in the country you specified"
+      }
+
+      # These are the options that can be used when creating a new CyberSource
+      # Gateway object.
+      #
+      # :login =>  your username
+      #
+      # :password =>  the transaction key you generated in the Business Center
+      #
+      # :test => true   sets the gateway to test mode
+      #
+      # :vat_reg_number => your VAT registration number
+      #
+      # :nexus => "WI CA QC" sets the states/provinces where you have a physical
+      #           presence for tax purposes
+      #
+      # :ignore_avs => true   don't want to use AVS so continue processing even
+      #                       if AVS would have failed
+      #
+      # :ignore_cvv => true   don't want to use CVV so continue processing even
+      #                       if CVV would have failed
+      def initialize(options = {})
+        requires!(options, :login, :password)
+        super
+      end
+
+      # Request an authorization for an amount from CyberSource
+      #
+      # You must supply an :order_id in the options hash
+      def authorize(money, creditcard_or_reference, options = {})
+        requires!(options,  :order_id)
+        setup_address_hash(options)
+        commit(build_auth_request(money, creditcard_or_reference, options), options )
+      end
+
+      def auth_reversal(money, identification, options = {})
+        commit(build_auth_reversal_request(money, identification, options), options)
+      end
+
+      # Capture an authorization that has previously been requested
+      def capture(money, authorization, options = {})
+        setup_address_hash(options)
+        commit(build_capture_request(money, authorization, options), options)
+      end
+
+      # Purchase is an auth followed by a capture
+      # You must supply an order_id in the options hash
+      # options[:pinless_debit_card] => true # attempts to process as pinless debit card
+      def purchase(money, payment_method_or_reference, options = {})
+        requires!(options, :order_id)
+        setup_address_hash(options)
+        commit(build_purchase_request(money, payment_method_or_reference, options), options)
+      end
+
+      def void(identification, options = {})
+        commit(build_void_request(identification, options), options)
+      end
+
+      def refund(money, identification, options = {})
+        commit(build_refund_request(money, identification, options), options)
+      end
+
+      def verify(payment, options = {})
+        MultiResponse.run(:use_first_response) do |r|
+          r.process { authorize(100, payment, options) }
+          r.process(:ignore_result) { void(r.authorization, options) }
+        end
+      end
+
+      # Adds credit to a subscription (stand alone credit).
+      def credit(money, reference, options = {})
+        requires!(options, :order_id)
+        commit(build_credit_request(money, reference, options), options)
+      end
+
+      # Stores a customer subscription/profile with type "on-demand".
+      # To charge the card while creating a profile, pass
+      # options[:setup_fee] => money
+      def store(payment_method, options = {})
+        requires!(options, :order_id)
+        setup_address_hash(options)
+        commit(build_create_subscription_request(payment_method, options), options)
+      end
+
+      # Updates a customer subscription/profile
+      def update(reference, creditcard, options = {})
+        requires!(options, :order_id)
+        setup_address_hash(options)
+        commit(build_update_subscription_request(reference, creditcard, options), options)
+      end
+
+      # Removes a customer subscription/profile
+      def unstore(reference, options = {})
+        requires!(options, :order_id)
+        commit(build_delete_subscription_request(reference, options), options)
+      end
+
+      # Retrieves a customer subscription/profile
+      def retrieve(reference, options = {})
+        requires!(options, :order_id)
+        commit(build_retrieve_subscription_request(reference, options), options)
+      end
+
+      # CyberSource requires that you provide line item information for tax
+      # calculations. If you do not have prices for each item or want to
+      # simplify the situation then pass in one fake line item that costs the
+      # subtotal of the order
+      #
+      # The line_item hash goes in the options hash and should look like
+      #
+      #         :line_items => [
+      #           {
+      #             :declared_value => '1',
+      #             :quantity => '2',
+      #             :code => 'default',
+      #             :description => 'Giant Walrus',
+      #             :sku => 'WA323232323232323'
+      #           },
+      #           {
+      #             :declared_value => '6',
+      #             :quantity => '1',
+      #             :code => 'default',
+      #             :description => 'Marble Snowcone',
+      #             :sku => 'FAKE1232132113123'
+      #           }
+      #         ]
+      #
+      # This functionality is only supported by this particular gateway may
+      # be changed at any time
+      def calculate_tax(creditcard, options)
+        requires!(options,  :line_items)
+        setup_address_hash(options)
+        commit(build_tax_calculation_request(creditcard, options), options)
+      end
+
+      # Determines if a card can be used for Pinless Debit Card transactions
+      def validate_pinless_debit_card(creditcard, options = {})
+        requires!(options, :order_id)
+        commit(build_validate_pinless_debit_request(creditcard,options), options)
+      end
+
+      def supports_scrubbing?
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((<wsse:Password [^>]*>)[^<]*(</wsse:Password>))i, '\1[FILTERED]\2').
+          gsub(%r((<accountNumber>)[^<]*(</accountNumber>))i, '\1[FILTERED]\2').
+          gsub(%r((<cvNumber>)[^<]*(</cvNumber>))i, '\1[FILTERED]\2').
+          gsub(%r((<cavv>)[^<]*(</cavv>))i, '\1[FILTERED]\2').
+          gsub(%r((<xid>)[^<]*(</xid>))i, '\1[FILTERED]\2').
+          gsub(%r((<authenticationData>)[^<]*(</authenticationData>))i, '\1[FILTERED]\2')
+      end
+
+      private
+
+      # Create all address hash key value pairs so that we still function if we
+      # were only provided with one or two of them
+      def setup_address_hash(options)
+        options[:billing_address] = options[:billing_address] || options[:address] || {}
+        options[:shipping_address] = options[:shipping_address] || {}
+      end
+
+      def build_auth_request(money, creditcard_or_reference, options)
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_payment_method_or_subscription(xml, money, creditcard_or_reference, options)
+        add_auth_service(xml, creditcard_or_reference, options)
+        add_business_rules_data(xml, creditcard_or_reference, options)
+        xml.target!
+      end
+
+      def build_tax_calculation_request(creditcard, options)
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_address(xml, creditcard, options[:billing_address], options, false)
+        add_address(xml, creditcard, options[:shipping_address], options, true)
+        add_line_item_data(xml, options)
+        add_purchase_data(xml, 0, false, options)
+        add_tax_service(xml)
+        add_business_rules_data(xml, creditcard, options)
+        xml.target!
+      end
+
+      def build_capture_request(money, authorization, options)
+        order_id, request_id, request_token = authorization.split(";")
+        options[:order_id] = order_id
+
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_purchase_data(xml, money, true, options)
+        add_capture_service(xml, request_id, request_token)
+        add_business_rules_data(xml, authorization, options)
+        xml.target!
+      end
+
+      def build_purchase_request(money, payment_method_or_reference, options)
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_payment_method_or_subscription(xml, money, payment_method_or_reference, options)
+        if !payment_method_or_reference.is_a?(String) && card_brand(payment_method_or_reference) == 'check'
+          add_check_service(xml)
+        else
+          add_purchase_service(xml, payment_method_or_reference, options)
+          add_business_rules_data(xml, payment_method_or_reference, options) unless options[:pinless_debit_card]
+        end
+        xml.target!
+      end
+
+      def build_void_request(identification, options)
+        order_id, request_id, request_token = identification.split(";")
+        options[:order_id] = order_id
+
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_void_service(xml, request_id, request_token)
+        xml.target!
+      end
+
+      def build_auth_reversal_request(money, identification, options)
+        order_id, request_id, request_token = identification.split(";")
+        options[:order_id] = order_id
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_purchase_data(xml, money, true, options)
+        add_auth_reversal_service(xml, request_id, request_token)
+        xml.target!
+      end
+
+      def build_refund_request(money, identification, options)
+        order_id, request_id, request_token = identification.split(";")
+        options[:order_id] = order_id
+
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_purchase_data(xml, money, true, options)
+        add_credit_service(xml, request_id, request_token)
+
+        xml.target!
+      end
+
+      def build_credit_request(money, reference, options)
+        xml = Builder::XmlMarkup.new :indent => 2
+
+        add_purchase_data(xml, money, true, options)
+        add_subscription(xml, options, reference)
+        add_credit_service(xml)
+
+        xml.target!
+      end
+
+      def build_create_subscription_request(payment_method, options)
+        default_subscription_params = {:frequency => "on-demand", :amount => 0, :automatic_renew => false}
+        options[:subscription] = default_subscription_params.update(
+          options[:subscription] || {}
+        )
+
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_address(xml, payment_method, options[:billing_address], options)
+        add_purchase_data(xml, options[:setup_fee] || 0, true, options)
+        if card_brand(payment_method) == 'check'
+          add_check(xml, payment_method)
+          add_check_payment_method(xml)
+        else
+          add_creditcard(xml, payment_method)
+          add_creditcard_payment_method(xml)
+        end
+        add_subscription(xml, options)
+        if options[:setup_fee]
+          if card_brand(payment_method) == 'check'
+            add_check_service(xml, options)
+          else
+            add_purchase_service(xml, payment_method, options)
+          end
+        end
+        add_subscription_create_service(xml, options)
+        add_business_rules_data(xml, payment_method, options)
+        xml.target!
+      end
+
+      def build_update_subscription_request(reference, creditcard, options)
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_address(xml, creditcard, options[:billing_address], options) unless options[:billing_address].blank?
+        add_purchase_data(xml, options[:setup_fee], true, options) unless options[:setup_fee].blank?
+        add_creditcard(xml, creditcard)    if creditcard
+        add_creditcard_payment_method(xml) if creditcard
+        add_subscription(xml, options, reference)
+        add_subscription_update_service(xml, options)
+        add_business_rules_data(xml, creditcard, options)
+        xml.target!
+      end
+
+      def build_delete_subscription_request(reference, options)
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_subscription(xml, options, reference)
+        add_subscription_delete_service(xml, options)
+        xml.target!
+      end
+
+      def build_retrieve_subscription_request(reference, options)
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_subscription(xml, options, reference)
+        add_subscription_retrieve_service(xml, options)
+        xml.target!
+      end
+
+      def build_validate_pinless_debit_request(creditcard,options)
+        xml = Builder::XmlMarkup.new :indent => 2
+        add_creditcard(xml, creditcard)
+        add_validate_pinless_debit_service(xml)
+        xml.target!
+      end
+
+      def add_business_rules_data(xml, payment_method, options)
+        prioritized_options = [options, @options]
+
+        unless network_tokenization?(payment_method)
+          xml.tag! 'businessRules' do
+            xml.tag!('ignoreAVSResult', 'true') if extract_option(prioritized_options, :ignore_avs)
+            xml.tag!('ignoreCVResult', 'true') if extract_option(prioritized_options, :ignore_cvv)
+          end
+        end
+      end
+
+      def extract_option prioritized_options, option_name
+        options_matching_key = prioritized_options.detect do |options|
+          options.has_key? option_name
+        end
+        options_matching_key[option_name] if options_matching_key
+      end
+
+      def add_line_item_data(xml, options)
+        options[:line_items].each_with_index do |value, index|
+          xml.tag! 'item', {'id' => index} do
+            xml.tag! 'unitPrice', amount(value[:declared_value])
+            xml.tag! 'quantity', value[:quantity]
+            xml.tag! 'productCode', value[:code] || 'shipping_only'
+            xml.tag! 'productName', value[:description]
+            xml.tag! 'productSKU', value[:sku]
+          end
+        end
+      end
+
+      def add_merchant_data(xml, options)
+        xml.tag! 'merchantID', @options[:login]
+        xml.tag! 'merchantReferenceCode', options[:order_id]
+        xml.tag! 'clientLibrary' ,'Ruby Active Merchant'
+        xml.tag! 'clientLibraryVersion',  VERSION
+        xml.tag! 'clientEnvironment' , RUBY_PLATFORM
+      end
+
+      def add_purchase_data(xml, money = 0, include_grand_total = false, options={})
+        xml.tag! 'purchaseTotals' do
+          xml.tag! 'currency', options[:currency] || currency(money)
+          xml.tag!('grandTotalAmount', amount(money))  if include_grand_total
+        end
+      end
+
+      def add_address(xml, payment_method, address, options, shipTo = false)
+        xml.tag! shipTo ? 'shipTo' : 'billTo' do
+          xml.tag! 'firstName',             payment_method.first_name             if payment_method
+          xml.tag! 'lastName',              payment_method.last_name              if payment_method
+          xml.tag! 'street1',               address[:address1]
+          xml.tag! 'street2',               address[:address2]                unless address[:address2].blank?
+          xml.tag! 'city',                  address[:city]
+          xml.tag! 'state',                 address[:state]
+          xml.tag! 'postalCode',            address[:zip]
+          xml.tag! 'country',               address[:country]
+          xml.tag! 'company',               address[:company]                 unless address[:company].blank?
+          xml.tag! 'companyTaxID',          address[:companyTaxID]            unless address[:company_tax_id].blank?
+          xml.tag! 'phoneNumber',           address[:phone]                   unless address[:phone].blank?
+          xml.tag! 'email',                 options[:email]
+          xml.tag! 'driversLicenseNumber',  options[:drivers_license_number]  unless options[:drivers_license_number].blank?
+          xml.tag! 'driversLicenseState',   options[:drivers_license_state]   unless options[:drivers_license_state].blank?
+        end
+      end
+
+      def add_creditcard(xml, creditcard)
+        xml.tag! 'card' do
+          xml.tag! 'accountNumber', creditcard.number
+          xml.tag! 'expirationMonth', format(creditcard.month, :two_digits)
+          xml.tag! 'expirationYear', format(creditcard.year, :four_digits)
+          xml.tag!('cvNumber', creditcard.verification_value) unless (@options[:ignore_cvv] || creditcard.verification_value.blank? )
+          xml.tag! 'cardType', @@credit_card_codes[card_brand(creditcard).to_sym]
+        end
+      end
+
+      def add_check(xml, check)
+        xml.tag! 'check' do
+          xml.tag! 'accountNumber', check.account_number
+          xml.tag! 'accountType', check.account_type[0]
+          xml.tag! 'bankTransitNumber', check.routing_number
+        end
+      end
+
+      def add_tax_service(xml)
+        xml.tag! 'taxService', {'run' => 'true'} do
+          xml.tag!('nexus', @options[:nexus]) unless @options[:nexus].blank?
+          xml.tag!('sellerRegistration', @options[:vat_reg_number]) unless @options[:vat_reg_number].blank?
+        end
+      end
+
+      def add_auth_service(xml, payment_method, options)
+        if network_tokenization?(payment_method)
+          add_network_tokenization(xml, payment_method, options)
+        else
+          xml.tag! 'ccAuthService', {'run' => 'true'}
+        end
+      end
+
+      def network_tokenization?(payment_method)
+        payment_method.is_a?(NetworkTokenizationCreditCard)
+      end
+
+      def add_network_tokenization(xml, payment_method, options)
+        return unless network_tokenization?(payment_method)
+
+        case card_brand(payment_method).to_sym
+        when :visa
+          xml.tag! 'ccAuthService', {'run' => 'true'} do
+            xml.tag!("cavv", payment_method.payment_cryptogram)
+            xml.tag!("commerceIndicator", "vbv")
+            xml.tag!("xid", payment_method.payment_cryptogram)
+          end
+        when :mastercard
+          xml.tag! 'ucaf' do
+            xml.tag!("authenticationData", payment_method.payment_cryptogram)
+            xml.tag!("collectionIndicator", "2")
+          end
+          xml.tag! 'ccAuthService', {'run' => 'true'} do
+            xml.tag!("commerceIndicator", "spa")
+          end
+        when :american_express
+          cryptogram = Base64.decode64(payment_method.payment_cryptogram)
+          xml.tag! 'ccAuthService', {'run' => 'true'} do
+            xml.tag!("cavv", Base64.encode64(cryptogram[0...20]))
+            xml.tag!("commerceIndicator", "aesk")
+            xml.tag!("xid", Base64.encode64(cryptogram[20...40]))
+          end
+        end
+
+        xml.tag! 'paymentNetworkToken' do
+          xml.tag!('transactionType', "1")
+        end
+      end
+
+      def add_capture_service(xml, request_id, request_token)
+        xml.tag! 'ccCaptureService', {'run' => 'true'} do
+          xml.tag! 'authRequestID', request_id
+          xml.tag! 'authRequestToken', request_token
+        end
+      end
+
+      def add_purchase_service(xml, payment_method, options)
+        if options[:pinless_debit_card]
+          xml.tag! 'pinlessDebitService', {'run' => 'true'}
+        else
+          add_auth_service(xml, payment_method, options)
+          xml.tag! 'ccCaptureService', {'run' => 'true'}
+        end
+      end
+
+      def add_void_service(xml, request_id, request_token)
+        xml.tag! 'voidService', {'run' => 'true'} do
+          xml.tag! 'voidRequestID', request_id
+          xml.tag! 'voidRequestToken', request_token
+        end
+      end
+
+      def add_auth_reversal_service(xml, request_id, request_token)
+        xml.tag! 'ccAuthReversalService', {'run' => 'true'} do
+          xml.tag! 'authRequestID', request_id
+          xml.tag! 'authRequestToken', request_token
+        end
+      end
+
+      def add_credit_service(xml, request_id = nil, request_token = nil)
+        xml.tag! 'ccCreditService', {'run' => 'true'} do
+          xml.tag! 'captureRequestID', request_id if request_id
+          xml.tag! 'captureRequestToken', request_token if request_token
+        end
+      end
+
+      def add_check_service(xml)
+        xml.tag! 'ecDebitService', {'run' => 'true'}
+      end
+
+      def add_subscription_create_service(xml, options)
+        xml.tag! 'paySubscriptionCreateService', {'run' => 'true'}
+      end
+
+      def add_subscription_update_service(xml, options)
+        xml.tag! 'paySubscriptionUpdateService', {'run' => 'true'}
+      end
+
+      def add_subscription_delete_service(xml, options)
+        xml.tag! 'paySubscriptionDeleteService', {'run' => 'true'}
+      end
+
+      def add_subscription_retrieve_service(xml, options)
+        xml.tag! 'paySubscriptionRetrieveService', {'run' => 'true'}
+      end
+
+      def add_subscription(xml, options, reference = nil)
+        options[:subscription] ||= {}
+
+        xml.tag! 'recurringSubscriptionInfo' do
+          if reference
+            _, subscription_id, _ = reference.split(";")
+            xml.tag! 'subscriptionID',  subscription_id
+          end
+
+          xml.tag! 'status',            options[:subscription][:status]                         if options[:subscription][:status]
+          xml.tag! 'amount',            amount(options[:subscription][:amount])                 if options[:subscription][:amount]
+          xml.tag! 'numberOfPayments',  options[:subscription][:occurrences]                    if options[:subscription][:occurrences]
+          xml.tag! 'automaticRenew',    options[:subscription][:automatic_renew]                if options[:subscription][:automatic_renew]
+          xml.tag! 'frequency',         options[:subscription][:frequency]                      if options[:subscription][:frequency]
+          xml.tag! 'startDate',         options[:subscription][:start_date].strftime("%Y%m%d")  if options[:subscription][:start_date]
+          xml.tag! 'endDate',           options[:subscription][:end_date].strftime("%Y%m%d")    if options[:subscription][:end_date]
+          xml.tag! 'approvalRequired',  options[:subscription][:approval_required] || false
+          xml.tag! 'event',             options[:subscription][:event]                          if options[:subscription][:event]
+          xml.tag! 'billPayment',       options[:subscription][:bill_payment]                   if options[:subscription][:bill_payment]
+        end
+      end
+
+      def add_creditcard_payment_method(xml)
+        xml.tag! 'subscription' do
+          xml.tag! 'paymentMethod', "credit card"
+        end
+      end
+
+      def add_check_payment_method(xml)
+        xml.tag! 'subscription' do
+          xml.tag! 'paymentMethod', "check"
+        end
+      end
+
+      def add_payment_method_or_subscription(xml, money, payment_method_or_reference, options)
+        if payment_method_or_reference.is_a?(String)
+          add_purchase_data(xml, money, true, options)
+          add_subscription(xml, options, payment_method_or_reference)
+        elsif card_brand(payment_method_or_reference) == 'check'
+          add_address(xml, payment_method_or_reference, options[:billing_address], options)
+          add_purchase_data(xml, money, true, options)
+          add_check(xml, payment_method_or_reference)
+        else
+          add_address(xml, payment_method_or_reference, options[:billing_address], options)
+          add_address(xml, payment_method_or_reference, options[:shipping_address], options, true)
+          add_purchase_data(xml, money, true, options)
+          add_creditcard(xml, payment_method_or_reference)
+        end
+      end
+
+      def add_validate_pinless_debit_service(xml)
+        xml.tag!'pinlessDebitValidateService', {'run' => 'true'}
+      end
+
+      # Where we actually build the full SOAP request using builder
+      def build_request(body, options)
+        xml = Builder::XmlMarkup.new :indent => 2
+          xml.instruct!
+          xml.tag! 's:Envelope', {'xmlns:s' => 'http://schemas.xmlsoap.org/soap/envelope/'} do
+            xml.tag! 's:Header' do
+              xml.tag! 'wsse:Security', {'s:mustUnderstand' => '1', 'xmlns:wsse' => 'http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd'} do
+                xml.tag! 'wsse:UsernameToken' do
+                  xml.tag! 'wsse:Username', @options[:login]
+                  xml.tag! 'wsse:Password', @options[:password], 'Type' => 'http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-username-token-profile-1.0#PasswordText'
+                end
+              end
+            end
+            xml.tag! 's:Body', {'xmlns:xsi' => 'http://www.w3.org/2001/XMLSchema-instance', 'xmlns:xsd' => 'http://www.w3.org/2001/XMLSchema'} do
+              xml.tag! 'requestMessage', {'xmlns' => "urn:schemas-cybersource-com:transaction-data-#{XSD_VERSION}"} do
+                add_merchant_data(xml, options)
+                xml << body
+              end
+            end
+          end
+        xml.target!
+      end
+
+      # Contact CyberSource, make the SOAP request, and parse the reply into a
+      # Response object
+      def commit(request, options)
+        response = parse(ssl_post(test? ? self.test_url : self.live_url, build_request(request, options)))
+
+        success = response[:decision] == "ACCEPT"
+        message = @@response_codes[('r' + response[:reasonCode]).to_sym] rescue response[:message]
+        authorization = success ? [ options[:order_id], response[:requestID], response[:requestToken] ].compact.join(";") : nil
+
+        Response.new(success, message, response,
+          :test => test?,
+          :authorization => authorization,
+          :avs_result => { :code => response[:avsCode] },
+          :cvv_result => response[:cvCode]
+        )
+      end
+
+      # Parse the SOAP response
+      # Technique inspired by the Paypal Gateway
+      def parse(xml)
+        reply = {}
+        xml = REXML::Document.new(xml)
+        if root = REXML::XPath.first(xml, "//c:replyMessage")
+          root.elements.to_a.each do |node|
+            case node.name
+            when 'c:reasonCode'
+              reply[:message] = reply(node.text)
+            else
+              parse_element(reply, node)
+            end
+          end
+        elsif root = REXML::XPath.first(xml, "//soap:Fault")
+          parse_element(reply, root)
+          reply[:message] = "#{reply[:faultcode]}: #{reply[:faultstring]}"
+        end
+        return reply
+      end
+
+      def parse_element(reply, node)
+        if node.has_elements?
+          node.elements.each{|e| parse_element(reply, e) }
+        else
+          if node.parent.name =~ /item/
+            parent = node.parent.name + (node.parent.attributes["id"] ? "_" + node.parent.attributes["id"] : '')
+            reply[(parent + '_' + node.name).to_sym] = node.text
+          else
+            reply[node.name.to_sym] = node.text
+          end
+        end
+        return reply
+      end
+    end
+  end
+end