swiss-activemerchant 1.0.1

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

@@ -0,0 +1,1148 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # Initial setup instructions can be found in
+    # http://apps.cybersource.com/library/documentation/dev_guides/SOAP_Toolkits/SOAP_toolkits.pdf
+    #
+    # 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.
+    # * 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://ics2wstesta.ic3.com/commerce/1.x/transactionProcessor'
+      self.live_url = 'https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor'
+
+      # Schema files can be found here: https://ics2ws.ic3.com/commerce/1.x/transactionProcessor/
+      TEST_XSD_VERSION = '1.201'
+      PRODUCTION_XSD_VERSION = '1.201'
+      ECI_BRAND_MAPPING = {
+        visa: 'vbv',
+        master: 'spa',
+        maestro: 'spa',
+        american_express: 'aesk',
+        jcb: 'js',
+        discover: 'pb',
+        diners_club: 'pb'
+      }.freeze
+      DEFAULT_COLLECTION_INDICATOR = 2
+
+      self.supported_cardtypes = %i[visa master american_express discover diners_club jcb dankort maestro elo]
+      self.supported_countries = %w(US AE BR CA CN DK FI FR DE IN JP MX NO SE GB SG LB PK)
+
+      self.default_currency = 'USD'
+      self.currencies_without_fractions = %w(JPY)
+
+      self.homepage_url = 'http://www.cybersource.com'
+      self.display_name = 'CyberSource'
+
+      @@credit_card_codes = {
+        visa: '001',
+        master: '002',
+        american_express: '003',
+        discover: '004',
+        diners_club: '005',
+        jcb: '007',
+        dankort: '034',
+        maestro: '042',
+        elo: '054'
+      }
+
+      @@decision_codes = {
+        accept: 'ACCEPT',
+        review: 'REVIEW'
+      }
+
+      @@response_codes = {
+        r100: 'Successful transaction',
+        r101: 'Request is missing one or more required fields',
+        r102: 'One or more fields contains invalid data',
+        r104: 'The merchantReferenceCode sent with this authorization request matches the merchantReferenceCode of another authorization request that you sent in the last 15 minutes.', r110: 'Partial amount was approved',
+        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',
+        r220: 'Generic Decline.',
+        r221: "The customer matched an entry on the processor's negative file",
+        r222: 'customer\'s account is frozen',
+        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',
+        r248: 'The boleto request was declined by your processor.',
+        r250: 'The request was received, but a time-out occurred with the payment processor',
+        r251: 'The Pinless Debit card\'s use frequency or maximum amount per use has been exceeded.',
+        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',
+        r400: 'Soft Decline - Fraud score exceeds threshold.',
+        r450: 'Apartment number missing or not found.',
+        r451: 'Insufficient address information.',
+        r452: 'House/Box number not found on street.',
+        r453: 'Multiple address matches were found.',
+        r454: 'P.O. Box identifier not found or out of range.',
+        r455: 'Route service identifier not found or out of range.',
+        r456: 'Street name not found in Postal code.',
+        r457: 'Postal code not found in database.',
+        r458: 'Unable to verify or correct address.',
+        r459: 'Multiple addres matches were found (international)',
+        r460: 'Address match not found (no reason given)',
+        r461: 'Unsupported character set',
+        r475: 'The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction.',
+        r476: 'Encountered a Payer Authentication problem. Payer could not be authenticated.',
+        r478: 'Strong customer authentication (SCA) is required for this transaction.',
+        r480: 'The order is marked for review by Decision Manager',
+        r481: 'The order has been rejected by Decision Manager',
+        r490: 'Your aggregator or acquirer is not accepting transactions from you at this time.',
+        r491: 'Your aggregator or acquirer is not accepting this transaction.',
+        r520: 'Soft Decline - The authorization request was approved by the issuing bank but declined by CyberSource based on your Smart Authorization settings.',
+        r700: 'The customer matched the Denied Parties List',
+        r701: 'Export bill_country/ship_country match',
+        r702: 'Export email_country match',
+        r703: 'Export hostname_country/ip_country match'
+      }
+
+      # 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
+
+      def authorize(money, creditcard_or_reference, options = {})
+        setup_address_hash(options)
+        commit(build_auth_request(money, creditcard_or_reference, options), :authorize, money, options)
+      end
+
+      def capture(money, authorization, options = {})
+        setup_address_hash(options)
+        commit(build_capture_request(money, authorization, options), :capture, money, options)
+      end
+
+      def purchase(money, payment_method_or_reference, options = {})
+        setup_address_hash(options)
+        commit(build_purchase_request(money, payment_method_or_reference, options), :purchase, money, options)
+      end
+
+      def void(identification, options = {})
+        commit(build_void_request(identification, options), :void, nil, options)
+      end
+
+      def refund(money, identification, options = {})
+        commit(build_refund_request(money, identification, options), :refund, money, options)
+      end
+
+      def adjust(money, authorization, options = {})
+        commit(build_adjust_request(money, authorization, options), :adjust, money, options)
+      end
+
+      def verify(payment, options = {})
+        amount = eligible_for_zero_auth?(payment, options) ? 0 : 100
+        MultiResponse.run(:use_first_response) do |r|
+          r.process { authorize(amount, payment, options) }
+          r.process(:ignore_result) { void(r.authorization, options) } unless amount == 0
+        end
+      end
+
+      # Adds credit to a card or subscription (stand alone credit).
+      def credit(money, creditcard_or_reference, options = {})
+        setup_address_hash(options)
+        commit(build_credit_request(money, creditcard_or_reference, options), :credit, money, 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 = {})
+        setup_address_hash(options)
+        commit(build_create_subscription_request(payment_method, options), :store, nil, 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), :update, nil, options)
+      end
+
+      # Removes a customer subscription/profile
+      def unstore(reference, options = {})
+        requires!(options, :order_id)
+        commit(build_delete_subscription_request(reference, options), :unstore, nil, options)
+      end
+
+      # Retrieves a customer subscription/profile
+      def retrieve(reference, options = {})
+        requires!(options, :order_id)
+        commit(build_retrieve_subscription_request(reference, options), :retrieve, nil, 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), :calculate_tax, nil, 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
+
+      def supports_network_tokenization?
+        true
+      end
+
+      def verify_credentials
+        response = void('0')
+        response.params['reasonCode'] == '102'
+      end
+
+      private
+
+      # Create all required address hash key value pairs
+      # If a value of nil is received, that value will be passed on to the gateway and will not be replaced with a default value
+      # Billing address fields received without an override value or with an empty string value will be replaced with the default_address values
+      def setup_address_hash(options)
+        default_address = {
+          address1: 'Unspecified',
+          city: 'Unspecified',
+          state: 'NC',
+          zip: '00000',
+          country: 'US'
+        }
+
+        submitted_address = options[:billing_address] || options[:address] || default_address
+        options[:billing_address] = default_address.merge(submitted_address.symbolize_keys) { |_k, default, submitted| check_billing_field_value(default, submitted) }
+        options[:shipping_address] = options[:shipping_address] || {}
+      end
+
+      def check_billing_field_value(default, submitted)
+        if submitted.nil?
+          nil
+        elsif submitted.blank?
+          default
+        else
+          submitted
+        end
+      end
+
+      def build_auth_request(money, creditcard_or_reference, options)
+        xml = Builder::XmlMarkup.new indent: 2
+        add_customer_id(xml, options)
+        add_payment_method_or_subscription(xml, money, creditcard_or_reference, options)
+        add_other_tax(xml, options)
+        add_threeds_2_ucaf_data(xml, creditcard_or_reference, options)
+        add_decision_manager_fields(xml, options)
+        add_mdd_fields(xml, options)
+        add_auth_service(xml, creditcard_or_reference, options)
+        add_threeds_services(xml, options)
+        add_business_rules_data(xml, creditcard_or_reference, options)
+        add_airline_data(xml, options)
+        add_sales_slip_number(xml, options)
+        add_payment_network_token(xml) if network_tokenization?(creditcard_or_reference)
+        add_tax_management_indicator(xml, options)
+        add_stored_credential_subsequent_auth(xml, options)
+        add_issuer_additional_data(xml, options)
+        add_partner_solution_id(xml)
+        add_stored_credential_options(xml, options)
+        add_merchant_description(xml, options)
+        xml.target!
+      end
+
+      def build_adjust_request(money, authorization, options)
+        _, request_id = authorization.split(';')
+
+        xml = Builder::XmlMarkup.new indent: 2
+        add_purchase_data(xml, money, true, options)
+        add_incremental_auth_service(xml, request_id, 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)
+        add_tax_management_indicator(xml, 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_other_tax(xml, options)
+        add_mdd_fields(xml, options)
+        add_capture_service(xml, request_id, request_token, options)
+        add_business_rules_data(xml, authorization, options)
+        add_tax_management_indicator(xml, options)
+        add_issuer_additional_data(xml, options)
+        add_merchant_description(xml, options)
+        add_partner_solution_id(xml)
+
+        xml.target!
+      end
+
+      def build_purchase_request(money, payment_method_or_reference, options)
+        xml = Builder::XmlMarkup.new indent: 2
+        add_customer_id(xml, options)
+        add_payment_method_or_subscription(xml, money, payment_method_or_reference, options)
+        add_other_tax(xml, options)
+        add_threeds_2_ucaf_data(xml, payment_method_or_reference, options)
+        add_decision_manager_fields(xml, options)
+        add_mdd_fields(xml, options)
+        if (!payment_method_or_reference.is_a?(String) && card_brand(payment_method_or_reference) == 'check') || reference_is_a_check?(payment_method_or_reference)
+          add_check_service(xml)
+          add_airline_data(xml, options)
+          add_sales_slip_number(xml, options)
+          add_tax_management_indicator(xml, options)
+          add_issuer_additional_data(xml, options)
+          add_partner_solution_id(xml)
+          options[:payment_method] = :check
+        else
+          add_purchase_service(xml, payment_method_or_reference, options)
+          add_threeds_services(xml, options)
+          add_business_rules_data(xml, payment_method_or_reference, options)
+          add_airline_data(xml, options)
+          add_sales_slip_number(xml, options)
+          add_payment_network_token(xml) if network_tokenization?(payment_method_or_reference)
+          add_tax_management_indicator(xml, options)
+          add_stored_credential_subsequent_auth(xml, options)
+          add_issuer_additional_data(xml, options)
+          add_partner_solution_id(xml)
+          add_stored_credential_options(xml, options)
+          options[:payment_method] = :credit_card
+        end
+
+        add_merchant_description(xml, options)
+
+        xml.target!
+      end
+
+      def reference_is_a_check?(payment_method_or_reference)
+        payment_method_or_reference.is_a?(String) && payment_method_or_reference.split(';')[7] == 'check'
+      end
+
+      def build_void_request(identification, options)
+        order_id, request_id, request_token, action, money, currency = identification.split(';')
+        options[:order_id] = order_id
+
+        xml = Builder::XmlMarkup.new indent: 2
+        case action
+        when 'capture', 'purchase'
+          add_mdd_fields(xml, options)
+          add_void_service(xml, request_id, request_token)
+        else
+          add_purchase_data(xml, money, true, options.merge(currency: currency || default_currency))
+          add_mdd_fields(xml, options)
+          add_auth_reversal_service(xml, request_id, request_token)
+        end
+        add_issuer_additional_data(xml, options)
+        add_partner_solution_id(xml)
+
+        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_id,
+                                request_token: request_token,
+                                use_check_service: reference_is_a_check?(identification))
+        add_partner_solution_id(xml)
+
+        xml.target!
+      end
+
+      def build_credit_request(money, creditcard_or_reference, options)
+        xml = Builder::XmlMarkup.new indent: 2
+
+        add_payment_method_or_subscription(xml, money, creditcard_or_reference, options)
+        add_mdd_fields(xml, options)
+        add_credit_service(xml, use_check_service: creditcard_or_reference.is_a?(Check))
+        add_issuer_additional_data(xml, options)
+        add_merchant_description(xml, options)
+
+        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, options)
+          add_check_payment_method(xml)
+          options[:payment_method] = :check
+        else
+          add_creditcard(xml, payment_method)
+          add_creditcard_payment_method(xml)
+          options[:payment_method] = :credit_card
+        end
+        add_subscription(xml, options)
+        if options[:setup_fee]
+          if card_brand(payment_method) == 'check'
+            add_check_service(xml)
+          else
+            add_purchase_service(xml, payment_method, options)
+            add_payment_network_token(xml) if network_tokenization?(payment_method)
+          end
+        end
+        add_subscription_create_service(xml, options)
+        add_business_rules_data(xml, payment_method, options)
+        add_tax_management_indicator(xml, 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)
+        add_tax_management_indicator(xml, 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 add_business_rules_data(xml, payment_method, options)
+        prioritized_options = [options, @options]
+
+        xml.tag! 'businessRules' do
+          xml.tag!('ignoreAVSResult', 'true') if extract_option(prioritized_options, :ignore_avs).to_s == 'true'
+          xml.tag!('ignoreCVResult', 'true') if extract_option(prioritized_options, :ignore_cvv).to_s == 'true'
+        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)
+        return unless options[:line_items]
+
+        options[:line_items].each_with_index do |value, index|
+          xml.tag! 'item', { 'id' => index } do
+            xml.tag! 'unitPrice', localized_amount(value[:declared_value].to_i, options[:currency] || default_currency)
+            xml.tag! 'quantity', value[:quantity]
+            xml.tag! 'productCode', value[:code] || 'shipping_only'
+            xml.tag! 'productName', value[:description]
+            xml.tag! 'productSKU', value[:sku]
+            xml.tag! 'taxAmount', value[:tax_amount] if value[:tax_amount]
+            xml.tag! 'nationalTax', value[:national_tax] if value[:national_tax]
+          end
+        end
+      end
+
+      def add_merchant_data(xml, options)
+        xml.tag! 'merchantID', @options[:login]
+        xml.tag! 'merchantReferenceCode', options[:order_id] || generate_unique_id
+        xml.tag! 'clientLibrary', 'Ruby Active Merchant'
+        xml.tag! 'clientLibraryVersion', VERSION
+        xml.tag! 'clientEnvironment', RUBY_PLATFORM
+
+        add_merchant_descriptor(xml, options)
+      end
+
+      def add_merchant_descriptor(xml, options)
+        return unless options[:merchant_descriptor] || options[:user_po] || options[:taxable] || options[:reference_data_code] || options[:invoice_number]
+
+        xml.tag! 'invoiceHeader' do
+          xml.tag! 'merchantDescriptor', options[:merchant_descriptor] if options[:merchant_descriptor]
+          xml.tag! 'userPO', options[:user_po] if options[:user_po]
+          xml.tag! 'taxable', options[:taxable] if options[:taxable]
+          xml.tag! 'referenceDataCode', options[:reference_data_code] if options[:reference_data_code]
+          xml.tag! 'invoiceNumber', options[:invoice_number] if options[:invoice_number]
+        end
+      end
+
+      def add_customer_id(xml, options)
+        return unless options[:customer_id]
+
+        xml.tag! 'customerID', options[:customer_id]
+      end
+
+      def add_merchant_description(xml, options)
+        return unless options[:merchant_descriptor_name] || options[:merchant_descriptor_address1] || options[:merchant_descriptor_locality]
+
+        xml.tag! 'merchantInformation' do
+          xml.tag! 'merchantDescriptor' do
+            xml.tag! 'name', options[:merchant_descriptor_name] if options[:merchant_descriptor_name]
+            xml.tag! 'address1', options[:merchant_descriptor_address1] if options[:merchant_descriptor_address1]
+            xml.tag! 'locality', options[:merchant_descriptor_locality] if options[:merchant_descriptor_locality]
+          end
+        end
+      end
+
+      def add_sales_slip_number(xml, options)
+        xml.tag! 'salesSlipNumber', options[:sales_slip_number] if options[:sales_slip_number]
+      end
+
+      def add_airline_data(xml, options)
+        return unless options[:airline_agent_code]
+
+        xml.tag! 'airlineData' do
+          xml.tag! 'agentCode', options[:airline_agent_code]
+        end
+      end
+
+      def add_tax_management_indicator(xml, options)
+        return unless options[:tax_management_indicator]
+
+        xml.tag! 'taxManagementIndicator', options[:tax_management_indicator] if options[:tax_management_indicator]
+      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!('discountManagementIndicator', options[:discount_management_indicator]) if options[:discount_management_indicator]
+          xml.tag!('taxAmount', options[:purchase_tax_amount]) if options[:purchase_tax_amount]
+          xml.tag!('grandTotalAmount', localized_amount(money.to_i, options[:currency] || default_currency)) if include_grand_total
+          xml.tag!('originalAmount', options[:original_amount]) if options[:original_amount]
+          xml.tag!('invoiceAmount', options[:invoice_amount]) if options[:invoice_amount]
+        end
+      end
+
+      def add_address(xml, payment_method, address, options, shipTo = false)
+        first_name, last_name = address_names(address[:name], payment_method)
+        bill_to_merchant_tax_id = options[:merchant_tax_id] unless shipTo
+
+        xml.tag! shipTo ? 'shipTo' : 'billTo' do
+          xml.tag! 'firstName',             first_name if first_name
+          xml.tag! 'lastName',              last_name if last_name
+          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',               lookup_country_code(address[:country]) unless address[:country].blank?
+          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].presence || 'null@cybersource.com'
+          xml.tag! 'ipAddress',             options[:ip]                      unless options[:ip].blank? || shipTo
+          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?
+          xml.tag! 'merchantTaxID',         bill_to_merchant_tax_id           unless bill_to_merchant_tax_id.blank?
+        end
+      end
+
+      def address_names(address_name, payment_method)
+        names = split_names(address_name)
+        return names if names.any?(&:present?)
+
+        [
+          payment_method&.first_name,
+          payment_method&.last_name
+        ]
+      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].to_s == 'true' || creditcard.verification_value.blank?
+          xml.tag! 'cardType', @@credit_card_codes[card_brand(creditcard).to_sym]
+        end
+      end
+
+      def add_decision_manager_fields(xml, options)
+        return unless options[:decision_manager_enabled]
+
+        xml.tag! 'decisionManager' do
+          xml.tag! 'enabled', options[:decision_manager_enabled] if options[:decision_manager_enabled]
+          xml.tag! 'profile', options[:decision_manager_profile] if options[:decision_manager_profile]
+        end
+      end
+
+      def add_issuer_additional_data(xml, options)
+        return unless options[:issuer_additional_data]
+
+        xml.tag! 'issuer' do
+          xml.tag! 'additionalData', options[:issuer_additional_data]
+        end
+      end
+
+      def add_other_tax(xml, options)
+        return unless options[:local_tax_amount] || options[:national_tax_amount] || options[:national_tax_indicator]
+
+        xml.tag! 'otherTax' do
+          xml.tag! 'vatTaxRate', options[:vat_tax_rate] if options[:vat_tax_rate]
+          xml.tag! 'localTaxAmount', options[:local_tax_amount] if options[:local_tax_amount]
+          xml.tag! 'nationalTaxAmount', options[:national_tax_amount] if options[:national_tax_amount]
+          xml.tag! 'nationalTaxIndicator', options[:national_tax_indicator] if options[:national_tax_indicator]
+        end
+      end
+
+      def add_mdd_fields(xml, options)
+        return unless options.keys.any? { |key| key.to_s.start_with?('mdd_field') && options[key] }
+
+        xml.tag! 'merchantDefinedData' do
+          (1..100).each do |each|
+            key = "mdd_field_#{each}".to_sym
+            xml.tag!('mddField', options[key], 'id' => each) if options[key]
+          end
+        end
+      end
+
+      def add_check(xml, check, options)
+        xml.tag! 'check' do
+          xml.tag! 'accountNumber', check.account_number
+          xml.tag! 'accountType', check.account_type == 'checking' ? 'C' : 'S'
+          xml.tag! 'bankTransitNumber', format_routing_number(check.routing_number, options)
+          xml.tag! 'secCode', options[:sec_code] if options[:sec_code]
+        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_auth_network_tokenization(xml, payment_method, options)
+        else
+          xml.tag! 'ccAuthService', { 'run' => 'true' } do
+            if options[:three_d_secure]
+              add_normalized_threeds_2_data(xml, payment_method, options)
+            else
+              indicator = options[:commerce_indicator] || stored_credential_commerce_indicator(options)
+              xml.tag!('commerceIndicator', indicator) if indicator
+            end
+            xml.tag!('reconciliationID', options[:reconciliation_id]) if options[:reconciliation_id]
+            xml.tag!('mobileRemotePaymentType', options[:mobile_remote_payment_type]) if options[:mobile_remote_payment_type]
+          end
+        end
+      end
+
+      def add_incremental_auth_service(xml, authorization, options)
+        xml.tag! 'ccIncrementalAuthService', { 'run' => 'true' } do
+          xml.tag! 'authRequestID', authorization
+        end
+        xml.tag! 'subsequentAuthReason', options[:auth_reason]
+      end
+
+      def add_normalized_threeds_2_data(xml, payment_method, options)
+        threeds_2_options = options[:three_d_secure]
+        cc_brand = card_brand(payment_method).to_sym
+
+        return if threeds_2_options[:cavv].blank? && infer_commerce_indicator?(options, cc_brand)
+
+        xid = threeds_2_options[:xid]
+
+        xml.tag!('cavv', threeds_2_options[:cavv]) if threeds_2_options[:cavv] && cc_brand != :master
+        xml.tag!('cavvAlgorithm', threeds_2_options[:cavv_algorithm]) if threeds_2_options[:cavv_algorithm]
+        xml.tag!('paSpecificationVersion', threeds_2_options[:version]) if threeds_2_options[:version]
+        xml.tag!('directoryServerTransactionID', threeds_2_options[:ds_transaction_id]) if threeds_2_options[:ds_transaction_id]
+        xml.tag!('commerceIndicator', options[:commerce_indicator] || ECI_BRAND_MAPPING[cc_brand])
+        xml.tag!('eciRaw', threeds_2_options[:eci]) if threeds_2_options[:eci]
+
+        if xid.present?
+          xml.tag!('xid', xid)
+        elsif threeds_2_options[:version]&.start_with?('2') && cc_brand != :master
+          cavv = threeds_2_options[:cavv]
+          xml.tag!('xid', cavv) if cavv.present?
+        end
+
+        xml.tag!('veresEnrolled', threeds_2_options[:enrolled]) if threeds_2_options[:enrolled]
+        xml.tag!('paresStatus', threeds_2_options[:authentication_response_status]) if threeds_2_options[:authentication_response_status]
+      end
+
+      def infer_commerce_indicator?(options, cc_brand)
+        options[:commerce_indicator].blank? && ECI_BRAND_MAPPING[cc_brand].present?
+      end
+
+      def add_threeds_2_ucaf_data(xml, payment_method, options)
+        return unless options[:three_d_secure] && card_brand(payment_method).to_sym == :master
+
+        xml.tag! 'ucaf' do
+          xml.tag!('authenticationData', options[:three_d_secure][:cavv])
+          xml.tag!('collectionIndicator', options[:collection_indicator] || DEFAULT_COLLECTION_INDICATOR)
+        end
+      end
+
+      def stored_credential_commerce_indicator(options)
+        return unless options[:stored_credential]
+
+        return if options[:stored_credential][:initial_transaction]
+
+        case options[:stored_credential][:reason_type]
+        when 'installment' then 'install'
+        when 'recurring' then 'recurring'
+        end
+      end
+
+      def network_tokenization?(payment_method)
+        payment_method.is_a?(NetworkTokenizationCreditCard)
+      end
+
+      def add_auth_network_tokenization(xml, payment_method, options)
+        return unless network_tokenization?(payment_method)
+
+        brand = card_brand(payment_method).to_sym
+
+        case brand
+        when :visa
+          xml.tag! 'ccAuthService', { 'run' => 'true' } do
+            xml.tag!('cavv', payment_method.payment_cryptogram)
+            xml.tag!('commerceIndicator', ECI_BRAND_MAPPING[brand])
+            xml.tag!('xid', payment_method.payment_cryptogram)
+            xml.tag!('reconciliationID', options[:reconciliation_id]) if options[:reconciliation_id]
+          end
+        when :master
+          xml.tag! 'ucaf' do
+            xml.tag!('authenticationData', payment_method.payment_cryptogram)
+            xml.tag!('collectionIndicator', DEFAULT_COLLECTION_INDICATOR)
+          end
+          xml.tag! 'ccAuthService', { 'run' => 'true' } do
+            xml.tag!('commerceIndicator', ECI_BRAND_MAPPING[brand])
+            xml.tag!('reconciliationID', options[:reconciliation_id]) if options[:reconciliation_id]
+          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', ECI_BRAND_MAPPING[brand])
+            xml.tag!('xid', Base64.encode64(cryptogram[20...40])) if cryptogram.bytes.count > 20
+            xml.tag!('reconciliationID', options[:reconciliation_id]) if options[:reconciliation_id]
+          end
+        else
+          raise ArgumentError.new("Payment method #{brand} is not supported, check https://developer.cybersource.com/docs/cybs/en-us/payments/developer/all/rest/payments/CreatingOnlineAuth/CreatingAuthReqPNT.html")
+        end
+      end
+
+      def add_payment_network_token(xml)
+        xml.tag! 'paymentNetworkToken' do
+          xml.tag!('transactionType', '1')
+        end
+      end
+
+      def add_capture_service(xml, request_id, request_token, options)
+        xml.tag! 'ccCaptureService', { 'run' => 'true' } do
+          xml.tag! 'authRequestID', request_id
+          xml.tag! 'authRequestToken', request_token
+          xml.tag! 'gratuityAmount', options[:gratuity_amount] if options[:gratuity_amount]
+          xml.tag! 'reconciliationID', options[:reconciliation_id] if options[:reconciliation_id]
+        end
+      end
+
+      def add_purchase_service(xml, payment_method, options)
+        add_auth_service(xml, payment_method, options)
+        xml.tag! 'ccCaptureService', { 'run' => 'true' } do
+          xml.tag!('reconciliationID', options[:reconciliation_id]) if options[:reconciliation_id]
+        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, options = {})
+        service = options[:use_check_service] ? 'ecCreditService' : 'ccCreditService'
+        request_tag = options[:use_check_service] ? 'debitRequestID' : 'captureRequestID'
+        options.delete :request_token if options[:use_check_service]
+
+        xml.tag! service, { 'run' => 'true' } do
+          xml.tag! request_tag, options[:request_id] if options[:request_id]
+          xml.tag! 'captureRequestToken', options[:request_token] if options[: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(';')[6]
+            xml.tag! 'subscriptionID',  subscription_id
+          end
+
+          xml.tag! 'status',            options[:subscription][:status] if options[:subscription][:status]
+          xml.tag! 'amount',            localized_amount(options[:subscription][:amount].to_i, options[:currency] || default_currency) 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_installments(xml, 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_installments(xml, options)
+          add_check(xml, payment_method_or_reference, options)
+        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_line_item_data(xml, options)
+          add_purchase_data(xml, money, true, options)
+          add_installments(xml, options)
+          add_creditcard(xml, payment_method_or_reference)
+        end
+      end
+
+      def add_installments(xml, options)
+        return unless %i[installment_total_count installment_total_amount installment_plan_type first_installment_date installment_annual_interest_rate installment_grace_period_duration].any? { |gsf| options.include?(gsf) }
+
+        xml.tag! 'installment' do
+          xml.tag!('totalCount', options[:installment_total_count]) if options[:installment_total_count]
+          xml.tag!('totalAmount', options[:installment_total_amount]) if options[:installment_total_amount]
+          xml.tag!('planType', options[:installment_plan_type]) if options[:installment_plan_type]
+          xml.tag!('firstInstallmentDate', options[:first_installment_date]) if options[:first_installment_date]
+          xml.tag!('annualInterestRate', options[:installment_annual_interest_rate]) if options[:installment_annual_interest_rate]
+          xml.tag!('gracePeriodDuration', options[:installment_grace_period_duration]) if options[:installment_grace_period_duration]
+        end
+      end
+
+      def add_threeds_services(xml, options)
+        xml.tag! 'payerAuthEnrollService', { 'run' => 'true' } if options[:payer_auth_enroll_service]
+        if options[:payer_auth_validate_service]
+          xml.tag! 'payerAuthValidateService', { 'run' => 'true' } do
+            xml.tag! 'signedPARes', options[:pares]
+          end
+        end
+      end
+
+      def lookup_country_code(country_field)
+        country_code = Country.find(country_field) rescue nil
+        country_code&.code(:alpha2)
+      end
+
+      def add_stored_credential_subsequent_auth(xml, options = {})
+        return unless options[:stored_credential] || options[:stored_credential_overrides]
+
+        stored_credential_subsequent_auth = 'true' if options.dig(:stored_credential, :initiator) == 'merchant'
+
+        override_subsequent_auth = options.dig(:stored_credential_overrides, :subsequent_auth)
+
+        xml.subsequentAuth override_subsequent_auth.nil? ? stored_credential_subsequent_auth : override_subsequent_auth
+      end
+
+      def add_stored_credential_options(xml, options = {})
+        return unless options[:stored_credential] || options[:stored_credential_overrides]
+
+        stored_credential_subsequent_auth_first = 'true' if options.dig(:stored_credential, :initial_transaction)
+        stored_credential_transaction_id = options.dig(:stored_credential, :network_transaction_id) if options.dig(:stored_credential, :initiator) == 'merchant'
+        stored_credential_subsequent_auth_stored_cred = 'true' if options.dig(:stored_credential, :initiator) == 'cardholder' && !options.dig(:stored_credential, :initial_transaction) || options.dig(:stored_credential, :initiator) == 'merchant' && options.dig(:stored_credential, :reason_type) == 'unscheduled'
+
+        override_subsequent_auth_first = options.dig(:stored_credential_overrides, :subsequent_auth_first)
+        override_subsequent_auth_transaction_id = options.dig(:stored_credential_overrides, :subsequent_auth_transaction_id)
+        override_subsequent_auth_stored_cred = options.dig(:stored_credential_overrides, :subsequent_auth_stored_credential)
+
+        xml.subsequentAuthFirst override_subsequent_auth_first.nil? ? stored_credential_subsequent_auth_first : override_subsequent_auth_first
+        xml.subsequentAuthTransactionID override_subsequent_auth_transaction_id.nil? ? stored_credential_transaction_id : override_subsequent_auth_transaction_id
+        xml.subsequentAuthStoredCredential override_subsequent_auth_stored_cred.nil? ? stored_credential_subsequent_auth_stored_cred : override_subsequent_auth_stored_cred
+      end
+
+      def add_partner_solution_id(xml)
+        return unless application_id
+
+        xml.tag!('partnerSolutionID', application_id)
+      end
+
+      # Where we actually build the full SOAP request using builder
+      def build_request(body, options)
+        xsd_version = test? ? TEST_XSD_VERSION : PRODUCTION_XSD_VERSION
+
+        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, action, amount, options)
+        begin
+          raw_response = ssl_post(test? ? self.test_url : self.live_url, build_request(request, options))
+        rescue ResponseError => e
+          raw_response = e.response.body
+        end
+
+        begin
+          response = parse(raw_response)
+        rescue REXML::ParseException => e
+          response = { message: e.to_s }
+        end
+
+        success = success?(response)
+        message = message_from(response)
+        authorization = success || in_fraud_review?(response) ? authorization_from(response, action, amount, options) : nil
+
+        message = auto_void?(authorization_from(response, action, amount, options), response, message, options)
+
+        Response.new(success, message, response,
+          test: test?,
+          authorization: authorization,
+          fraud_review: in_fraud_review?(response),
+          avs_result: { code: response[:avsCode] },
+          cvv_result: response[:cvCode])
+      end
+
+      def auto_void?(authorization, response, message, options = {})
+        return message unless response[:reasonCode] == '230' && options[:auto_void_230]
+
+        response = void(authorization, options)
+        response&.success? ? message += ' - transaction has been auto-voided.' : message += ' - transaction could not be auto-voided.'
+        message
+      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.expanded_name
+            when 'c:reasonCode'
+              reply[:reasonCode] = node.text
+              reply[:message] = reason_message(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 /item/.match?(node.parent.name)
+            parent = node.parent.name
+            parent += '_' + node.parent.attributes['id'] if node.parent.attributes['id']
+            parent += '_'
+          end
+          reply["#{parent}#{node.name}".to_sym] ||= node.text
+        end
+        return reply
+      end
+
+      def reason_message(reason_code)
+        return if reason_code.blank?
+
+        @@response_codes[:"r#{reason_code}"]
+      end
+
+      def authorization_from(response, action, amount, options)
+        [options[:order_id], response[:requestID], response[:requestToken], action, amount,
+         options[:currency], response[:subscriptionID], options[:payment_method]].join(';')
+      end
+
+      def in_fraud_review?(response)
+        response[:decision] == @@decision_codes[:review]
+      end
+
+      def success?(response)
+        response[:decision] == @@decision_codes[:accept]
+      end
+
+      def message_from(response)
+        if response[:reasonCode] == '101' && response[:missingField]
+          "#{response[:message]}: #{response[:missingField]}"
+        elsif response[:reasonCode] == '102' && response[:invalidField]
+          "#{response[:message]}: #{response[:invalidField]}"
+        else
+          response[:message]
+        end
+      end
+
+      def eligible_for_zero_auth?(payment_method, options = {})
+        payment_method.is_a?(CreditCard) && options[:zero_amount_auth]
+      end
+
+      def format_routing_number(routing_number, options)
+        options[:currency] == 'CAD' && routing_number.length > 8 ? routing_number[-8..-1] : routing_number
+      end
+    end
+  end
+end