swiss-activemerchant 1.0.1

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

@@ -0,0 +1,1125 @@
+require 'nokogiri'
+
+module ActiveMerchant
+  module Billing
+    class AuthorizeNetGateway < Gateway
+      include Empty
+
+      self.test_url = 'https://apitest.authorize.net/xml/v1/request.api'
+      self.live_url = 'https://api2.authorize.net/xml/v1/request.api'
+
+      self.supported_countries = %w(AU CA US)
+      self.default_currency = 'USD'
+      self.money_format = :dollars
+      self.supported_cardtypes = %i[visa master american_express discover diners_club jcb maestro]
+
+      self.homepage_url = 'http://www.authorize.net/'
+      self.display_name = 'Authorize.Net'
+
+      # Authorize.net has slightly different definitions for returned AVS codes
+      # that have been mapped to the closest equivalent AM standard AVSResult codes
+      # Authorize.net's descriptions noted below
+      STANDARD_AVS_CODE_MAPPING = {
+        'A' => 'A', # Street Address: Match -- First 5 Digits of ZIP: No Match
+        'B' => 'I', # Address not provided for AVS check or street address match, postal code could not be verified
+        'E' => 'E', # AVS Error
+        'G' => 'G', # Non U.S. Card Issuing Bank
+        'N' => 'N', # Street Address: No Match -- First 5 Digits of ZIP: No Match
+        'P' => 'I', # AVS not applicable for this transaction
+        'R' => 'R', # Retry, System Is Unavailable
+        'S' => 'S', # AVS Not Supported by Card Issuing Bank
+        'U' => 'U', # Address Information For This Cardholder Is Unavailable
+        'W' => 'W', # Street Address: No Match -- All 9 Digits of ZIP: Match
+        'X' => 'X', # Street Address: Match -- All 9 Digits of ZIP: Match
+        'Y' => 'Y', # Street Address: Match - First 5 Digits of ZIP: Match
+        'Z' => 'Z'  # Street Address: No Match - First 5 Digits of ZIP: Match
+      }
+
+      STANDARD_ERROR_CODE_MAPPING = {
+        '2127' => STANDARD_ERROR_CODE[:incorrect_address],
+        '22' => STANDARD_ERROR_CODE[:card_declined],
+        '227' => STANDARD_ERROR_CODE[:incorrect_address],
+        '23' => STANDARD_ERROR_CODE[:card_declined],
+        '2315' => STANDARD_ERROR_CODE[:invalid_number],
+        '2316' => STANDARD_ERROR_CODE[:invalid_expiry_date],
+        '2317' => STANDARD_ERROR_CODE[:expired_card],
+        '235' => STANDARD_ERROR_CODE[:processing_error],
+        '237' => STANDARD_ERROR_CODE[:invalid_number],
+        '24' => STANDARD_ERROR_CODE[:pickup_card],
+        '244' => STANDARD_ERROR_CODE[:incorrect_cvc],
+        '300' => STANDARD_ERROR_CODE[:config_error],
+        '3153' => STANDARD_ERROR_CODE[:processing_error],
+        '3155' => STANDARD_ERROR_CODE[:unsupported_feature],
+        '36' => STANDARD_ERROR_CODE[:incorrect_number],
+        '37' => STANDARD_ERROR_CODE[:invalid_expiry_date],
+        '378' => STANDARD_ERROR_CODE[:invalid_cvc],
+        '38' => STANDARD_ERROR_CODE[:expired_card],
+        '384' => STANDARD_ERROR_CODE[:config_error]
+      }
+
+      MARKET_TYPE = {
+        moto: '1',
+        retail: '2'
+      }
+
+      DEVICE_TYPE = {
+        unknown: '1',
+        unattended_terminal: '2',
+        self_service_terminal: '3',
+        electronic_cash_register: '4',
+        personal_computer_terminal: '5',
+        airpay: '6',
+        wireless_pos: '7',
+        website: '8',
+        dial_terminal: '9',
+        virtual_terminal: '10'
+      }
+
+      class_attribute :duplicate_window
+
+      APPROVED, DECLINED, ERROR, FRAUD_REVIEW = 1, 2, 3, 4
+      TRANSACTION_ALREADY_ACTIONED = %w(310 311)
+
+      CARD_CODE_ERRORS = %w(N S)
+      AVS_ERRORS = %w(A E I N R W Z)
+      AVS_REASON_CODES = %w(27 45)
+
+      TRACKS = {
+        1 => /^%(?<format_code>.)(?<pan>[\d]{1,19}+)\^(?<name>.{2,26})\^(?<expiration>[\d]{0,4}|\^)(?<service_code>[\d]{0,3}|\^)(?<discretionary_data>.*)\?\Z/,
+        2 => /\A;(?<pan>[\d]{1,19}+)=(?<expiration>[\d]{0,4}|=)(?<service_code>[\d]{0,3}|=)(?<discretionary_data>.*)\?\Z/
+      }.freeze
+
+      APPLE_PAY_DATA_DESCRIPTOR = 'COMMON.APPLE.INAPP.PAYMENT'
+      PAYMENT_METHOD_NOT_SUPPORTED_ERROR = '155'
+      INELIGIBLE_FOR_ISSUING_CREDIT_ERROR = '54'
+
+      def initialize(options = {})
+        requires!(options, :login, :password)
+        super
+      end
+
+      def purchase(amount, payment, options = {})
+        if payment.is_a?(String)
+          commit(:cim_purchase, options) do |xml|
+            add_cim_auth_purchase(xml, 'profileTransAuthCapture', amount, payment, options)
+          end
+        else
+          commit(:purchase) do |xml|
+            add_auth_purchase(xml, 'authCaptureTransaction', amount, payment, options)
+          end
+        end
+      end
+
+      def authorize(amount, payment, options = {})
+        if payment.is_a?(String)
+          commit(:cim_authorize, options) do |xml|
+            add_cim_auth_purchase(xml, 'profileTransAuthOnly', amount, payment, options)
+          end
+        else
+          commit(:authorize) do |xml|
+            add_auth_purchase(xml, 'authOnlyTransaction', amount, payment, options)
+          end
+        end
+      end
+
+      def capture(amount, authorization, options = {})
+        if auth_was_for_cim?(authorization)
+          cim_capture(amount, authorization, options)
+        else
+          normal_capture(amount, authorization, options)
+        end
+      end
+
+      def refund(amount, authorization, options = {})
+        response =
+          if auth_was_for_cim?(authorization)
+            cim_refund(amount, authorization, options)
+          else
+            normal_refund(amount, authorization, options)
+          end
+
+        return response if response.success?
+        return response unless options[:force_full_refund_if_unsettled]
+
+        if response.params['response_reason_code'] == INELIGIBLE_FOR_ISSUING_CREDIT_ERROR
+          void(authorization, options)
+        else
+          response
+        end
+      end
+
+      def void(authorization, options = {})
+        if auth_was_for_cim?(authorization)
+          cim_void(authorization, options)
+        else
+          normal_void(authorization, options)
+        end
+      end
+
+      def credit(amount, payment, options = {})
+        raise ArgumentError, 'Reference credits are not supported. Please supply the original credit card or use the #refund method.' if payment.is_a?(String)
+
+        commit(:credit) do |xml|
+          add_order_id(xml, options)
+          xml.transactionRequest do
+            xml.transactionType('refundTransaction')
+            xml.amount(amount(amount))
+
+            add_payment_source(xml, payment, options, :credit)
+            xml.refTransId(transaction_id_from(options[:transaction_id])) if options[:transaction_id]
+            add_invoice(xml, 'refundTransaction', options)
+            add_customer_data(xml, payment, options)
+            add_settings(xml, payment, options)
+            add_user_fields(xml, amount, options)
+          end
+        end
+      end
+
+      def verify(payment_method, options = {})
+        amount = amount_for_verify(options)
+
+        MultiResponse.run(:use_first_response) do |r|
+          r.process { authorize(amount, payment_method, options) }
+          r.process(:ignore_result) { void(r.authorization, options) } unless amount == 0
+        end
+      rescue ArgumentError => e
+        Response.new(false, e.message)
+      end
+
+      def amount_for_verify(options)
+        return 100 unless options[:verify_amount].present?
+
+        amount = options[:verify_amount]
+        raise ArgumentError.new 'verify_amount value must be an integer' unless amount.is_a?(Integer) && !amount.negative? || amount.is_a?(String) && amount.match?(/^\d+$/) && !amount.to_i.negative?
+        raise ArgumentError.new 'Billing address including zip code is required for a 0 amount verify' if amount.to_i.zero? && !validate_billing_address_values?(options)
+
+        amount.to_i
+      end
+
+      def validate_billing_address_values?(options)
+        options.dig(:billing_address, :zip).present? && options.dig(:billing_address, :address1).present?
+      end
+
+      def store(credit_card, options = {})
+        if options[:customer_profile_id]
+          create_customer_payment_profile(credit_card, options)
+        else
+          create_customer_profile(credit_card, options)
+        end
+      end
+
+      def unstore(authorization)
+        customer_profile_id, = split_authorization(authorization)
+
+        delete_customer_profile(customer_profile_id)
+      end
+
+      def verify_credentials
+        response = commit(:verify_credentials) {}
+        response.success?
+      end
+
+      def supports_scrubbing?
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((Authorization: Basic )\w+), '\1[FILTERED]').
+          gsub(%r((<transactionKey>).+(</transactionKey>)), '\1[FILTERED]\2').
+          gsub(%r((<cardNumber>).+(</cardNumber>)), '\1[FILTERED]\2').
+          gsub(%r((<cardCode>).+(</cardCode>)), '\1[FILTERED]\2').
+          gsub(%r((<track1>).+(</track1>)), '\1[FILTERED]\2').
+          gsub(%r((<track2>).+(</track2>)), '\1[FILTERED]\2').
+          gsub(/(<routingNumber>).+(<\/routingNumber>)/, '\1[FILTERED]\2').
+          gsub(/(<accountNumber>).+(<\/accountNumber>)/, '\1[FILTERED]\2').
+          gsub(%r((<cryptogram>).+(</cryptogram>)), '\1[FILTERED]\2')
+      end
+
+      def supports_network_tokenization?
+        card = Billing::NetworkTokenizationCreditCard.new({
+          number: '4111111111111111',
+          month: 12,
+          year: 20,
+          first_name: 'John',
+          last_name: 'Smith',
+          brand: 'visa',
+          payment_cryptogram: 'EHuWW9PiBkWvqE5juRwDzAUFBAk='
+        })
+
+        request = post_data(:authorize) do |xml|
+          add_auth_purchase(xml, 'authOnlyTransaction', 1, card, {})
+        end
+        raw_response = ssl_post(url, request, headers)
+        response = parse(:authorize, raw_response)
+        response[:response_reason_code].to_s != PAYMENT_METHOD_NOT_SUPPORTED_ERROR
+      end
+
+      private
+
+      def add_auth_purchase(xml, transaction_type, amount, payment, options)
+        add_order_id(xml, options)
+        xml.transactionRequest do
+          xml.transactionType(transaction_type)
+          xml.amount(amount(amount))
+          add_payment_source(xml, payment, options)
+          add_invoice(xml, transaction_type, options)
+          add_tax_fields(xml, options)
+          add_duty_fields(xml, options)
+          add_shipping_fields(xml, options)
+          add_tax_exempt_status(xml, options)
+          add_po_number(xml, options)
+          add_customer_data(xml, payment, options)
+          add_market_type_device_type(xml, payment, options)
+          add_settings(xml, payment, options)
+          add_user_fields(xml, amount, options)
+          add_ship_from_address(xml, options)
+          add_processing_options(xml, options)
+          add_subsequent_auth_information(xml, options)
+        end
+      end
+
+      def add_cim_auth_purchase(xml, transaction_type, amount, payment, options)
+        add_order_id(xml, options)
+        xml.transaction do
+          xml.send(transaction_type) do
+            xml.amount(amount(amount))
+            add_tax_fields(xml, options)
+            add_shipping_fields(xml, options)
+            add_duty_fields(xml, options)
+            add_payment_source(xml, payment, options)
+            add_invoice(xml, transaction_type, options)
+            add_tax_exempt_status(xml, options)
+          end
+        end
+        add_extra_options_for_cim(xml, options)
+      end
+
+      def cim_capture(amount, authorization, options)
+        commit(:cim_capture, options) do |xml|
+          add_order_id(xml, options)
+          xml.transaction do
+            xml.profileTransPriorAuthCapture do
+              xml.amount(amount(amount))
+              add_tax_fields(xml, options)
+              add_shipping_fields(xml, options)
+              add_duty_fields(xml, options)
+              xml.transId(transaction_id_from(authorization))
+            end
+          end
+          add_extra_options_for_cim(xml, options)
+        end
+      end
+
+      def normal_capture(amount, authorization, options)
+        commit(:capture) do |xml|
+          add_order_id(xml, options)
+          xml.transactionRequest do
+            xml.transactionType('priorAuthCaptureTransaction')
+            xml.amount(amount(amount))
+            add_tax_fields(xml, options)
+            add_duty_fields(xml, options)
+            add_shipping_fields(xml, options)
+            add_tax_exempt_status(xml, options)
+            add_po_number(xml, options)
+            xml.refTransId(transaction_id_from(authorization))
+            add_invoice(xml, 'capture', options)
+            add_user_fields(xml, amount, options)
+          end
+        end
+      end
+
+      def cim_refund(amount, authorization, options)
+        transaction_id, card_number, = split_authorization(authorization)
+
+        commit(:cim_refund, options) do |xml|
+          add_order_id(xml, options)
+          xml.transaction do
+            xml.profileTransRefund do
+              xml.amount(amount(amount))
+              add_tax_fields(xml, options)
+              add_shipping_fields(xml, options)
+              add_duty_fields(xml, options)
+              xml.creditCardNumberMasked(card_number)
+              add_invoice(xml, 'profileTransRefund', options)
+              xml.transId(transaction_id)
+            end
+          end
+          add_extra_options_for_cim(xml, options)
+        end
+      end
+
+      def normal_refund(amount, authorization, options)
+        transaction_id, card_number, = split_authorization(authorization)
+
+        commit(:refund) do |xml|
+          xml.transactionRequest do
+            xml.transactionType('refundTransaction')
+            xml.amount(amount.nil? ? 0 : amount(amount))
+            xml.payment do
+              if options[:routing_number]
+                xml.bankAccount do
+                  xml.accountType(options[:account_type])
+                  xml.routingNumber(options[:routing_number])
+                  xml.accountNumber(options[:account_number])
+                  xml.nameOnAccount(truncate("#{options[:first_name]} #{options[:last_name]}", 22))
+                end
+              else
+                xml.creditCard do
+                  xml.cardNumber(card_number || options[:card_number])
+                  xml.expirationDate('XXXX')
+                end
+              end
+            end
+            xml.refTransId(transaction_id)
+
+            add_invoice(xml, 'refundTransaction', options)
+            add_tax_fields(xml, options)
+            add_duty_fields(xml, options)
+            add_shipping_fields(xml, options)
+            add_tax_exempt_status(xml, options)
+            add_po_number(xml, options)
+            add_customer_data(xml, nil, options)
+            add_user_fields(xml, amount, options)
+          end
+        end
+      end
+
+      def cim_void(authorization, options)
+        commit(:cim_void, options) do |xml|
+          add_order_id(xml, options)
+          xml.transaction do
+            xml.profileTransVoid do
+              xml.transId(transaction_id_from(authorization))
+            end
+          end
+          add_extra_options_for_cim(xml, options)
+        end
+      end
+
+      def normal_void(authorization, options)
+        commit(:void) do |xml|
+          add_order_id(xml, options)
+          xml.transactionRequest do
+            xml.transactionType('voidTransaction')
+            xml.refTransId(transaction_id_from(authorization))
+          end
+        end
+      end
+
+      def add_payment_source(xml, source, options, action = nil)
+        return unless source
+
+        if source.is_a?(String)
+          add_token_payment_method(xml, source, options)
+        elsif card_brand(source) == 'check'
+          add_check(xml, source)
+        elsif card_brand(source) == 'apple_pay'
+          add_apple_pay_payment_token(xml, source)
+        else
+          add_credit_card(xml, source, action)
+        end
+      end
+
+      def camel_case_lower(key)
+        String(key).split('_').inject([]) { |buffer, e| buffer.push(buffer.empty? ? e : e.capitalize) }.join
+      end
+
+      def add_settings(xml, source, options)
+        xml.transactionSettings do
+          if options[:recurring] || subsequent_recurring_transaction?(options)
+            xml.setting do
+              xml.settingName('recurringBilling')
+              xml.settingValue('true')
+            end
+          end
+          if options[:disable_partial_auth]
+            xml.setting do
+              xml.settingName('allowPartialAuth')
+              xml.settingValue('false')
+            end
+          end
+          if options[:duplicate_window]
+            set_duplicate_window(xml, options[:duplicate_window])
+          elsif self.class.duplicate_window
+            ActiveMerchant.deprecated 'Using the duplicate_window class_attribute is deprecated. Use the transaction options hash instead.'
+            set_duplicate_window(xml, self.class.duplicate_window)
+          end
+          if options.key?(:email_customer)
+            xml.setting do
+              xml.settingName('emailCustomer')
+              xml.settingValue(options[:email_customer] ? 'true' : 'false')
+            end
+          end
+          if options[:header_email_receipt]
+            xml.setting do
+              xml.settingName('headerEmailReceipt')
+              xml.settingValue(options[:header_email_receipt])
+            end
+          end
+          if options[:test_request]
+            xml.setting do
+              xml.settingName('testRequest')
+              xml.settingValue('1')
+            end
+          end
+        end
+      end
+
+      def set_duplicate_window(xml, value)
+        xml.setting do
+          xml.settingName('duplicateWindow')
+          xml.settingValue(value)
+        end
+      end
+
+      def add_user_fields(xml, amount, options)
+        xml.userFields do
+          if currency = (options[:currency] || currency(amount))
+            xml.userField do
+              xml.name('x_currency_code')
+              xml.value(currency)
+            end
+          end
+          if application_id.present?
+            xml.userField do
+              xml.name('x_solution_id')
+              xml.value(application_id)
+            end
+          end
+        end
+      end
+
+      def add_credit_card(xml, credit_card, action)
+        if credit_card.track_data
+          add_swipe_data(xml, credit_card)
+        else
+          xml.payment do
+            xml.creditCard do
+              xml.cardNumber(truncate(credit_card.number, 16))
+              xml.expirationDate(format(credit_card.month, :two_digits) + '/' + format(credit_card.year, :four_digits))
+              xml.cardCode(credit_card.verification_value) if credit_card.valid_card_verification_value?(credit_card.verification_value, credit_card.brand)
+              xml.cryptogram(credit_card.payment_cryptogram) if credit_card.is_a?(NetworkTokenizationCreditCard) && action != :credit
+            end
+          end
+        end
+      end
+
+      def add_swipe_data(xml, credit_card)
+        TRACKS.each do |key, regex|
+          if regex.match?(credit_card.track_data)
+            @valid_track_data = true
+            xml.payment do
+              xml.trackData do
+                xml.public_send(:"track#{key}", credit_card.track_data)
+              end
+            end
+          end
+        end
+      end
+
+      def add_token_payment_method(xml, token, options)
+        customer_profile_id, customer_payment_profile_id, = split_authorization(token)
+        customer_profile_id = options[:customer_profile_id] if options[:customer_profile_id]
+        customer_payment_profile_id = options[:customer_payment_profile_id] if options[:customer_payment_profile_id]
+        xml.customerProfileId(customer_profile_id)
+        xml.customerPaymentProfileId(customer_payment_profile_id)
+      end
+
+      def add_apple_pay_payment_token(xml, apple_pay_payment_token)
+        xml.payment do
+          xml.opaqueData do
+            xml.dataDescriptor(APPLE_PAY_DATA_DESCRIPTOR)
+            xml.dataValue(Base64.strict_encode64(apple_pay_payment_token.payment_data.to_json))
+          end
+        end
+      end
+
+      def add_market_type_device_type(xml, payment, options)
+        return if payment.is_a?(String) || card_brand(payment) == 'check' || card_brand(payment) == 'apple_pay'
+
+        if valid_track_data
+          xml.retail do
+            xml.marketType(options[:market_type] || MARKET_TYPE[:retail])
+            xml.deviceType(options[:device_type] || DEVICE_TYPE[:wireless_pos])
+          end
+        elsif payment.manual_entry
+          xml.retail do
+            xml.marketType(options[:market_type] || MARKET_TYPE[:moto])
+          end
+        else
+          if options[:market_type]
+            xml.retail do
+              xml.marketType(options[:market_type])
+            end
+          end
+        end
+      end
+
+      def valid_track_data
+        @valid_track_data ||= false
+      end
+
+      def add_check(xml, check)
+        xml.payment do
+          xml.bankAccount do
+            xml.accountType(check.account_type)
+            xml.routingNumber(check.routing_number)
+            xml.accountNumber(check.account_number)
+            xml.nameOnAccount(truncate(check.name, 22))
+            xml.bankName(check.bank_name)
+            xml.checkNumber(check.number)
+          end
+        end
+      end
+
+      def add_customer_data(xml, payment_source, options)
+        xml.customer do
+          xml.id(options[:customer]) unless empty?(options[:customer]) || options[:customer] !~ /^\w+$/
+          xml.email(options[:email]) unless empty?(options[:email])
+        end
+
+        add_billing_address(xml, payment_source, options)
+        add_shipping_address(xml, options)
+
+        xml.customerIP(options[:ip]) unless empty?(options[:ip])
+
+        if !empty?(options.fetch(:three_d_secure, {})) || options[:authentication_indicator] || options[:cardholder_authentication_value]
+          xml.cardholderAuthentication do
+            three_d_secure = options.fetch(:three_d_secure, {})
+            xml.authenticationIndicator(
+              options[:authentication_indicator] || three_d_secure[:eci]
+            )
+            xml.cardholderAuthenticationValue(
+              options[:cardholder_authentication_value] || three_d_secure[:cavv]
+            )
+          end
+        end
+      end
+
+      def add_billing_address(xml, payment_source, options)
+        address = options[:billing_address] || options[:address] || {}
+
+        xml.billTo do
+          first_name, last_name = names_from(payment_source, address, options)
+          state = state_from(address, options)
+          full_address = "#{address[:address1]} #{address[:address2]}".strip
+          phone = address[:phone] || address[:phone_number] || ''
+
+          xml.firstName(truncate(first_name, 50)) unless empty?(first_name)
+          xml.lastName(truncate(last_name, 50)) unless empty?(last_name)
+          xml.company(truncate(address[:company], 50)) unless empty?(address[:company])
+          xml.address(truncate(full_address, 60))
+          xml.city(truncate(address[:city], 40))
+          xml.state(truncate(state, 40))
+          xml.zip(truncate((address[:zip] || options[:zip]), 20))
+          xml.country(truncate(address[:country], 60))
+          xml.phoneNumber(truncate(phone, 25)) unless empty?(phone)
+          xml.faxNumber(truncate(address[:fax], 25)) unless empty?(address[:fax])
+        end
+      end
+
+      def add_shipping_address(xml, options, root_node = 'shipTo')
+        address = options[:shipping_address] || options[:address]
+        return unless address
+
+        xml.send(root_node) do
+          first_name, last_name =
+            if address[:name]
+              split_names(address[:name])
+            else
+              [address[:first_name], address[:last_name]]
+            end
+          full_address = "#{address[:address1]} #{address[:address2]}".strip
+
+          xml.firstName(truncate(first_name, 50)) unless empty?(first_name)
+          xml.lastName(truncate(last_name, 50)) unless empty?(last_name)
+          xml.company(truncate(address[:company], 50)) unless empty?(address[:company])
+          xml.address(truncate(full_address, 60))
+          xml.city(truncate(address[:city], 40))
+          xml.state(truncate(address[:state], 40))
+          xml.zip(truncate(address[:zip], 20))
+          xml.country(truncate(address[:country], 60))
+        end
+      end
+
+      def add_ship_from_address(xml, options, root_node = 'shipFrom')
+        address = options[:ship_from_address]
+        return unless address
+
+        xml.send(root_node) do
+          xml.zip(truncate(address[:zip], 20)) unless empty?(address[:zip])
+          xml.country(truncate(address[:country], 60)) unless empty?(address[:country])
+        end
+      end
+
+      def add_order_id(xml, options)
+        xml.refId(truncate(options[:order_id], 20))
+      end
+
+      def add_invoice(xml, transaction_type, options)
+        xml.order do
+          xml.invoiceNumber(truncate(options[:order_id], 20))
+          xml.description(truncate(options[:description], 255))
+          xml.purchaseOrderNumber(options[:po_number]) if options[:po_number] && transaction_type.start_with?('profileTrans')
+          xml.summaryCommodityCode(truncate(options[:summary_commodity_code], 4)) if options[:summary_commodity_code] && !transaction_type.start_with?('profileTrans')
+        end
+
+        # Authorize.net API requires lineItems to be placed directly after order tag
+        if options[:line_items]
+          xml.lineItems do
+            options[:line_items].each do |line_item|
+              xml.lineItem do
+                line_item.each do |key, value|
+                  xml.send(camel_case_lower(key), value)
+                end
+              end
+            end
+          end
+        end
+      end
+
+      def add_tax_fields(xml, options)
+        tax = options[:tax]
+        if tax.is_a?(Hash)
+          xml.tax do
+            xml.amount(amount(tax[:amount].to_i))
+            xml.name(tax[:name])
+            xml.description(tax[:description])
+          end
+        end
+      end
+
+      def add_duty_fields(xml, options)
+        duty = options[:duty]
+        if duty.is_a?(Hash)
+          xml.duty do
+            xml.amount(amount(duty[:amount].to_i))
+            xml.name(duty[:name])
+            xml.description(duty[:description])
+          end
+        end
+      end
+
+      def add_shipping_fields(xml, options)
+        shipping = options[:shipping]
+        if shipping.is_a?(Hash)
+          xml.shipping do
+            xml.amount(amount(shipping[:amount].to_i))
+            xml.name(shipping[:name])
+            xml.description(shipping[:description])
+          end
+        end
+      end
+
+      def add_tax_exempt_status(xml, options)
+        xml.taxExempt(options[:tax_exempt]) if options[:tax_exempt]
+      end
+
+      def add_po_number(xml, options)
+        xml.poNumber(options[:po_number]) if options[:po_number]
+      end
+
+      def add_extra_options_for_cim(xml, options)
+        xml.extraOptions("x_delim_char=#{options[:delimiter]}") if options[:delimiter]
+      end
+
+      def add_processing_options(xml, options)
+        return unless options[:stored_credential]
+
+        xml.processingOptions do
+          if options[:stored_credential][:initial_transaction] && options[:stored_credential][:reason_type] == 'recurring'
+            xml.isFirstRecurringPayment 'true'
+          elsif options[:stored_credential][:initial_transaction]
+            xml.isFirstSubsequentAuth 'true'
+          elsif options[:stored_credential][:initiator] == 'cardholder'
+            xml.isStoredCredentials 'true'
+          else
+            xml.isSubsequentAuth 'true'
+          end
+        end
+      end
+
+      def add_subsequent_auth_information(xml, options)
+        return unless options.dig(:stored_credential, :initiator) == 'merchant'
+
+        xml.subsequentAuthInformation do
+          xml.reason options[:stored_credential_reason_type_override] if options[:stored_credential_reason_type_override]
+          xml.originalNetworkTransId options[:stored_credential][:network_transaction_id] if options[:stored_credential][:network_transaction_id]
+        end
+      end
+
+      def create_customer_payment_profile(credit_card, options)
+        commit(:cim_store_update, options) do |xml|
+          xml.customerProfileId options[:customer_profile_id]
+          xml.paymentProfile do
+            add_billing_address(xml, credit_card, options)
+            xml.payment do
+              xml.creditCard do
+                xml.cardNumber(truncate(credit_card.number, 16))
+                xml.expirationDate(format(credit_card.year, :four_digits) + '-' + format(credit_card.month, :two_digits))
+                xml.cardCode(credit_card.verification_value) if credit_card.verification_value
+              end
+            end
+          end
+        end
+      end
+
+      def create_customer_profile(credit_card, options)
+        commit(:cim_store, options) do |xml|
+          xml.profile do
+            xml.merchantCustomerId(truncate(options[:merchant_customer_id], 20) || SecureRandom.hex(10))
+            xml.description(truncate(options[:description], 255)) unless empty?(options[:description])
+            xml.email(options[:email]) unless empty?(options[:email])
+
+            xml.paymentProfiles do
+              xml.customerType('individual')
+              add_billing_address(xml, credit_card, options)
+              add_shipping_address(xml, options, 'shipToList')
+              xml.payment do
+                xml.creditCard do
+                  xml.cardNumber(truncate(credit_card.number, 16))
+                  xml.expirationDate(format(credit_card.year, :four_digits) + '-' + format(credit_card.month, :two_digits))
+                  xml.cardCode(credit_card.verification_value) if credit_card.verification_value
+                end
+              end
+            end
+          end
+        end
+      end
+
+      def delete_customer_profile(customer_profile_id)
+        commit(:cim_store_delete_customer, options) do |xml|
+          xml.customerProfileId(customer_profile_id)
+        end
+      end
+
+      def names_from(payment_source, address, options)
+        if payment_source && !payment_source.is_a?(PaymentToken) && !payment_source.is_a?(String)
+          first_name, last_name = split_names(address[:name])
+          [(payment_source.first_name || first_name), (payment_source.last_name || last_name)]
+        else
+          [options[:first_name], options[:last_name]]
+        end
+      end
+
+      def state_from(address, options)
+        if %w[US CA].include?(address[:country])
+          address[:state] || 'NC'
+        else
+          address[:state] || 'n/a'
+        end
+      end
+
+      def subsequent_recurring_transaction?(options)
+        options.dig(:stored_credential, :reason_type) == 'recurring' && !options.dig(:stored_credential, :initial_transaction)
+      end
+
+      def headers
+        { 'Content-Type' => 'text/xml' }
+      end
+
+      def url
+        test? ? test_url : live_url
+      end
+
+      def parse(action, raw_response, options = {})
+        if cim_action?(action) || action == :verify_credentials
+          parse_cim(raw_response, options)
+        else
+          parse_normal(action, raw_response)
+        end
+      end
+
+      def commit(action, options = {}, &payload)
+        raw_response = ssl_post(url, post_data(action, &payload), headers)
+        response = parse(action, raw_response, options)
+
+        avs_result_code = response[:avs_result_code].upcase if response[:avs_result_code]
+        avs_result = AVSResult.new(code: STANDARD_AVS_CODE_MAPPING[avs_result_code])
+        cvv_result = CVVResult.new(response[:card_code])
+        if using_live_gateway_in_test_mode?(response)
+          Response.new(false, 'Using a live Authorize.net account in Test Mode is not permitted.')
+        else
+          Response.new(
+            success_from(action, response),
+            message_from(action, response, avs_result, cvv_result),
+            response,
+            authorization: authorization_from(action, response),
+            test: test?,
+            avs_result: avs_result,
+            cvv_result: cvv_result,
+            fraud_review: fraud_review?(response),
+            error_code: map_error_code(response[:response_code], response[:response_reason_code])
+          )
+        end
+      end
+
+      def cim_action?(action)
+        action.to_s.start_with?('cim')
+      end
+
+      def post_data(action)
+        Nokogiri::XML::Builder.new(encoding: 'UTF-8') do |xml|
+          xml.send(root_for(action), 'xmlns' => 'AnetApi/xml/v1/schema/AnetApiSchema.xsd') do
+            add_authentication(xml)
+            yield(xml)
+          end
+        end.to_xml(indent: 0)
+      end
+
+      def root_for(action)
+        if action == :cim_store
+          'createCustomerProfileRequest'
+        elsif action == :cim_store_update
+          'createCustomerPaymentProfileRequest'
+        elsif action == :cim_store_delete_customer
+          'deleteCustomerProfileRequest'
+        elsif action == :verify_credentials
+          'authenticateTestRequest'
+        elsif cim_action?(action)
+          'createCustomerProfileTransactionRequest'
+        else
+          'createTransactionRequest'
+        end
+      end
+
+      def add_authentication(xml)
+        xml.merchantAuthentication do
+          xml.name(@options[:login])
+          xml.transactionKey(@options[:password])
+        end
+      end
+
+      def parse_normal(action, body)
+        doc = Nokogiri::XML(body)
+        doc.remove_namespaces!
+
+        response = { action: action }
+
+        response[:response_code] = if (element = doc.at_xpath('//transactionResponse/responseCode'))
+                                     empty?(element.content) ? nil : element.content.to_i
+                                   end
+
+        if (element = doc.at_xpath('//errors/error'))
+          response[:response_reason_code] = element.at_xpath('errorCode').content[/0*(\d+)$/, 1]
+          response[:response_reason_text] = element.at_xpath('errorText').content.chomp('.')
+        elsif (element = doc.at_xpath('//transactionResponse/messages/message'))
+          response[:response_reason_code] = element.at_xpath('code').content[/0*(\d+)$/, 1]
+          response[:response_reason_text] = element.at_xpath('description').content.chomp('.')
+        elsif (element = doc.at_xpath('//messages/message'))
+          response[:response_reason_code] = element.at_xpath('code').content[/0*(\d+)$/, 1]
+          response[:response_reason_text] = element.at_xpath('text').content.chomp('.')
+        else
+          response[:response_reason_code] = nil
+          response[:response_reason_text] = ''
+        end
+
+        response[:avs_result_code] =
+          if (element = doc.at_xpath('//avsResultCode'))
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:transaction_id] =
+          if element = doc.at_xpath('//transId')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:card_code] =
+          if element = doc.at_xpath('//cvvResultCode')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:authorization_code] =
+          if element = doc.at_xpath('//authCode')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:cardholder_authentication_code] =
+          if element = doc.at_xpath('//cavvResultCode')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:account_number] =
+          if element = doc.at_xpath('//accountNumber')
+            empty?(element.content) ? nil : element.content[-4..-1]
+          end
+
+        response[:test_request] =
+          if element = doc.at_xpath('//testRequest')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:full_response_code] =
+          if element = doc.at_xpath('//messages/message/code')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:network_trans_id] =
+          if element = doc.at_xpath('//networkTransId')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response
+      end
+
+      def parse_cim(body, options)
+        response = {}
+
+        doc = Nokogiri::XML(body).remove_namespaces!
+
+        if element = doc.at_xpath('//messages/message')
+          response[:message_code] = element.at_xpath('code').content[/0*(\d+)$/, 1]
+          response[:message_text] = element.at_xpath('text').content.chomp('.')
+        end
+
+        response[:result_code] =
+          if element = doc.at_xpath('//messages/resultCode')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:test_request] =
+          if element = doc.at_xpath('//testRequest')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:customer_profile_id] =
+          if element = doc.at_xpath('//customerProfileId')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:customer_payment_profile_id] =
+          if element = doc.at_xpath('//customerPaymentProfileIdList/numericString')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:customer_payment_profile_id] =
+          if element = doc.at_xpath('//customerPaymentProfileIdList/numericString') ||
+                       doc.at_xpath('//customerPaymentProfileId')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response[:direct_response] =
+          if element = doc.at_xpath('//directResponse')
+            empty?(element.content) ? nil : element.content
+          end
+
+        response.merge!(parse_direct_response_elements(response, options))
+
+        response
+      end
+
+      def success_from(action, response)
+        if cim?(action) || (action == :verify_credentials)
+          response[:result_code] == 'Ok'
+        else
+          [APPROVED, FRAUD_REVIEW].include?(response[:response_code]) && TRANSACTION_ALREADY_ACTIONED.exclude?(response[:response_reason_code])
+        end
+      end
+
+      def message_from(action, response, avs_result, cvv_result)
+        if response[:response_code] == DECLINED
+          if CARD_CODE_ERRORS.include?(cvv_result.code)
+            return cvv_result.message
+          elsif AVS_REASON_CODES.include?(response[:response_reason_code]) && AVS_ERRORS.include?(avs_result.code)
+            return avs_result.message
+          end
+        end
+
+        response[:response_reason_text] || response[:message_text]
+      end
+
+      def authorization_from(action, response)
+        if cim?(action)
+          [response[:customer_profile_id], response[:customer_payment_profile_id], action].join('#')
+        else
+          [response[:transaction_id], response[:account_number], action].join('#')
+        end
+      end
+
+      def split_authorization(authorization)
+        authorization.split('#')
+      end
+
+      def cim?(action)
+        (action == :cim_store) || (action == :cim_store_update) || (action == :cim_store_delete_customer)
+      end
+
+      def transaction_id_from(authorization)
+        transaction_id, = split_authorization(authorization)
+        transaction_id
+      end
+
+      def fraud_review?(response)
+        (response[:response_code] == FRAUD_REVIEW)
+      end
+
+      def using_live_gateway_in_test_mode?(response)
+        !test? && response[:test_request] == '1'
+      end
+
+      def map_error_code(response_code, response_reason_code)
+        STANDARD_ERROR_CODE_MAPPING["#{response_code}#{response_reason_code}"]
+      end
+
+      def auth_was_for_cim?(authorization)
+        _, _, action = split_authorization(authorization)
+        action && cim_action?(action)
+      end
+
+      def parse_direct_response_elements(response, options)
+        params = response[:direct_response]&.tr('"', '')
+        return {} unless params
+
+        parts = params.split(options[:delimiter] || ',')
+        {
+          response_code: parts[0].to_i,
+          response_subcode: parts[1],
+          response_reason_code: parts[2],
+          response_reason_text: parts[3],
+          approval_code: parts[4],
+          avs_result_code: parts[5],
+          transaction_id: parts[6],
+          invoice_number: parts[7],
+          order_description: parts[8],
+          amount: parts[9],
+          method: parts[10],
+          transaction_type: parts[11],
+          customer_id: parts[12],
+          first_name: parts[13],
+          last_name: parts[14],
+          company: parts[15],
+          address: parts[16],
+          city: parts[17],
+          state: parts[18],
+          zip_code: parts[19],
+          country: parts[20],
+          phone: parts[21],
+          fax: parts[22],
+          email_address: parts[23],
+          ship_to_first_name: parts[24],
+          ship_to_last_name: parts[25],
+          ship_to_company: parts[26],
+          ship_to_address: parts[27],
+          ship_to_city: parts[28],
+          ship_to_state: parts[29],
+          ship_to_zip_code: parts[30],
+          ship_to_country: parts[31],
+          tax: parts[32],
+          duty: parts[33],
+          freight: parts[34],
+          tax_exempt: parts[35],
+          purchase_order_number: parts[36],
+          md5_hash: parts[37],
+          card_code: parts[38],
+          cardholder_authentication_verification_response: parts[39],
+          account_number: parts[50] || '',
+          card_type: parts[51] || '',
+          split_tender_id: parts[52] || '',
+          requested_amount: parts[53] || '',
+          balance_on_card: parts[54] || ''
+        }
+      end
+    end
+  end
+end