swiss-crm-activemerchant 1.0.12

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

@@ -0,0 +1,723 @@
+# coding: utf-8
+
+require 'nokogiri'
+
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    # = Redsys Merchant Gateway
+    #
+    # Gateway support for the Spanish "Redsys" payment gateway system. This is
+    # used by many banks in Spain and is particularly well supported by
+    # Catalunya Caixa's ecommerce department.
+    #
+    # Redsys requires an order_id be provided with each transaction and it must
+    # follow a specific format. The rules are as follows:
+    #
+    #  * First 4 digits must be numerical
+    #  * Remaining 8 digits may be alphanumeric
+    #  * Max length: 12
+    #
+    #  If an invalid order_id is provided, we do our best to clean it up.
+    #
+    # Much of the code for this library is based on the active_merchant_sermepa
+    # integration gateway which uses essentially the same API but with the
+    # banks own payment screen.
+    #
+    # Written by Samuel Lown for Cabify. For implementation questions, or
+    # test access details please get in touch: sam@cabify.com.
+    #
+    # *** SHA256 Authentication Update ***
+    #
+    # Redsys is dropping support for the SHA1 authentication method. This
+    # adapter has been updated to work with the new SHA256 authentication
+    # method, however in your initialization options hash you will need to
+    # specify the key/value :signature_algorithm => "sha256" to use the
+    # SHA256 method. Otherwise it will default to using the SHA1.
+    #
+    #
+    class RedsysGateway < Gateway
+      self.live_url = 'https://sis.redsys.es/sis/operaciones'
+      self.test_url = 'https://sis-t.redsys.es:25443/sis/operaciones'
+
+      self.supported_countries = %w[ES FR GB IT PL PT]
+      self.default_currency    = 'EUR'
+      self.money_format        = :cents
+
+      # Not all card types may be activated by the bank!
+      self.supported_cardtypes = %i[visa master american_express jcb diners_club unionpay]
+      self.homepage_url        = 'http://www.redsys.es/'
+      self.display_name        = 'Redsys'
+
+      CURRENCY_CODES = {
+        'AED' => '784',
+        'ARS' => '32',
+        'AUD' => '36',
+        'BRL' => '986',
+        'BOB' => '68',
+        'CAD' => '124',
+        'CHF' => '756',
+        'CLP' => '152',
+        'CNY' => '156',
+        'COP' => '170',
+        'CRC' => '188',
+        'CZK' => '203',
+        'DKK' => '208',
+        'DOP' => '214',
+        'EUR' => '978',
+        'GBP' => '826',
+        'GTQ' => '320',
+        'HUF' => '348',
+        'IDR' => '360',
+        'INR' => '356',
+        'JPY' => '392',
+        'KRW' => '410',
+        'MYR' => '458',
+        'MXN' => '484',
+        'NOK' => '578',
+        'NZD' => '554',
+        'PEN' => '604',
+        'PLN' => '985',
+        'RUB' => '643',
+        'SAR' => '682',
+        'SEK' => '752',
+        'SGD' => '702',
+        'THB' => '764',
+        'TWD' => '901',
+        'USD' => '840',
+        'UYU' => '858'
+      }
+
+      # The set of supported transactions for this gateway.
+      # More operations are supported by the gateway itself, but
+      # are not supported in this library.
+      SUPPORTED_TRANSACTIONS = {
+        purchase:   '0',
+        authorize:  '1',
+        capture:    '2',
+        refund:     '3',
+        cancel:     '9'
+      }
+
+      # These are the text meanings sent back by the acquirer when
+      # a card has been rejected. Syntax or general request errors
+      # are not covered here.
+      RESPONSE_TEXTS = {
+        0 => 'Transaction Approved',
+        400 => 'Cancellation Accepted',
+        481 => 'Cancellation Accepted',
+        500 => 'Reconciliation Accepted',
+        900 => 'Refund / Confirmation approved',
+
+        101 => 'Card expired',
+        102 => 'Card blocked temporarily or under susciption of fraud',
+        104 => 'Transaction not permitted',
+        107 => 'Contact the card issuer',
+        109 => 'Invalid identification by merchant or POS terminal',
+        110 => 'Invalid amount',
+        114 => 'Card cannot be used to the requested transaction',
+        116 => 'Insufficient credit',
+        118 => 'Non-registered card',
+        125 => 'Card not effective',
+        129 => 'CVV2/CVC2 Error',
+        167 => 'Contact the card issuer: suspected fraud',
+        180 => 'Card out of service',
+        181 => 'Card with credit or debit restrictions',
+        182 => 'Card with credit or debit restrictions',
+        184 => 'Authentication error',
+        190 => 'Refusal with no specific reason',
+        191 => 'Expiry date incorrect',
+        195 => 'Requires SCA authentication',
+
+        201 => 'Card expired',
+        202 => 'Card blocked temporarily or under suspicion of fraud',
+        204 => 'Transaction not permitted',
+        207 => 'Contact the card issuer',
+        208 => 'Lost or stolen card',
+        209 => 'Lost or stolen card',
+        280 => 'CVV2/CVC2 Error',
+        290 => 'Declined with no specific reason',
+
+        480 => 'Original transaction not located, or time-out exceeded',
+        501 => 'Original transaction not located, or time-out exceeded',
+        502 => 'Original transaction not located, or time-out exceeded',
+        503 => 'Original transaction not located, or time-out exceeded',
+
+        904 => 'Merchant not registered at FUC',
+        909 => 'System error',
+        912 => 'Issuer not available',
+        913 => 'Duplicate transmission',
+        916 => 'Amount too low',
+        928 => 'Time-out exceeded',
+        940 => 'Transaction cancelled previously',
+        941 => 'Authorization operation already cancelled',
+        942 => 'Original authorization declined',
+        943 => 'Different details from origin transaction',
+        944 => 'Session error',
+        945 => 'Duplicate transmission',
+        946 => 'Cancellation of transaction while in progress',
+        947 => 'Duplicate tranmission while in progress',
+        949 => 'POS Inoperative',
+        950 => 'Refund not possible',
+        9064 => 'Card number incorrect',
+        9078 => 'No payment method available',
+        9093 => 'Non-existent card',
+        9218 => 'Recursive transaction in bad gateway',
+        9253 => 'Check-digit incorrect',
+        9256 => 'Preauth not allowed for merchant',
+        9257 => 'Preauth not allowed for card',
+        9261 => 'Operating limit exceeded',
+        9912 => 'Issuer not available',
+        9913 => 'Confirmation error',
+        9914 => 'KO Confirmation'
+      }
+
+      # Expected values as per documentation
+      THREE_DS_V1 = '1.0.2'
+      THREE_DS_V2 = '2.1.0'
+
+      # Creates a new instance
+      #
+      # Redsys requires a login and secret_key, and optionally also accepts a
+      # non-default terminal.
+      #
+      # ==== Options
+      #
+      # * <tt>:login</tt> -- The Redsys Merchant ID (REQUIRED)
+      # * <tt>:secret_key</tt> -- The Redsys Secret Key. (REQUIRED)
+      # * <tt>:terminal</tt> -- The Redsys Terminal. Defaults to 1. (OPTIONAL)
+      # * <tt>:test</tt> -- +true+ or +false+. Defaults to +false+. (OPTIONAL)
+      # * <tt>:signature_algorithm</tt> -- +"sha256"+ Defaults to +"sha1"+. (OPTIONAL)
+      def initialize(options = {})
+        requires!(options, :login, :secret_key)
+        options[:terminal] ||= 1
+        options[:signature_algorithm] ||= 'sha1'
+        super
+      end
+
+      def purchase(money, payment, options = {})
+        requires!(options, :order_id)
+
+        data = {}
+        add_action(data, :purchase, options)
+        add_amount(data, money, options)
+        add_order(data, options[:order_id])
+        add_payment(data, payment)
+        add_external_mpi_fields(data, options)
+        add_three_ds_data(data, options) if options[:execute_threed]
+        add_stored_credential_options(data, options)
+        data[:description] = options[:description]
+        data[:store_in_vault] = options[:store]
+        data[:sca_exemption] = options[:sca_exemption]
+        data[:sca_exemption_direct_payment_enabled] = options[:sca_exemption_direct_payment_enabled]
+
+        commit data, options
+      end
+
+      def authorize(money, payment, options = {})
+        requires!(options, :order_id)
+
+        data = {}
+        add_action(data, :authorize, options)
+        add_amount(data, money, options)
+        add_order(data, options[:order_id])
+        add_payment(data, payment)
+        add_external_mpi_fields(data, options)
+        add_three_ds_data(data, options) if options[:execute_threed]
+        add_stored_credential_options(data, options)
+        data[:description] = options[:description]
+        data[:store_in_vault] = options[:store]
+        data[:sca_exemption] = options[:sca_exemption]
+        data[:sca_exemption_direct_payment_enabled] = options[:sca_exemption_direct_payment_enabled]
+
+        commit data, options
+      end
+
+      def capture(money, authorization, options = {})
+        data = {}
+        add_action(data, :capture)
+        add_amount(data, money, options)
+        order_id, = split_authorization(authorization)
+        add_order(data, order_id)
+        data[:description] = options[:description]
+
+        commit data, options
+      end
+
+      def void(authorization, options = {})
+        data = {}
+        add_action(data, :cancel)
+        order_id, amount, currency = split_authorization(authorization)
+        add_amount(data, amount, currency: currency)
+        add_order(data, order_id)
+        data[:description] = options[:description]
+
+        commit data, options
+      end
+
+      def refund(money, authorization, options = {})
+        data = {}
+        add_action(data, :refund)
+        add_amount(data, money, options)
+        order_id, = split_authorization(authorization)
+        add_order(data, order_id)
+        data[:description] = options[:description]
+
+        commit data, options
+      end
+
+      def verify(creditcard, options = {})
+        if options[:sca_exemption_behavior_override] == 'endpoint_and_ntid'
+          purchase(0, creditcard, options)
+        else
+          MultiResponse.run(:use_first_response) do |r|
+            r.process { authorize(100, creditcard, options) }
+            r.process(:ignore_result) { void(r.authorization, options) }
+          end
+        end
+      end
+
+      def supports_scrubbing
+        true
+      end
+
+      def scrub(transcript)
+        transcript.
+          gsub(%r((Authorization: Basic )\w+), '\1[FILTERED]').
+          gsub(%r((%3CDS_MERCHANT_PAN%3E)\d+(%3C%2FDS_MERCHANT_PAN%3E))i, '\1[FILTERED]\2').
+          gsub(%r((%3CDS_MERCHANT_CVV2%3E)\d+(%3C%2FDS_MERCHANT_CVV2%3E))i, '\1[FILTERED]\2').
+          gsub(%r((&lt;DS_MERCHANT_PAN&gt;)\d+(&lt;/DS_MERCHANT_PAN&gt;))i, '\1[FILTERED]\2').
+          gsub(%r((<DS_MERCHANT_PAN>)\d+(</DS_MERCHANT_PAN>))i, '\1[FILTERED]\2').
+          gsub(%r((<DS_MERCHANT_CVV2>)\d+(</DS_MERCHANT_CVV2>))i, '\1[FILTERED]\2').
+          gsub(%r((&lt;DS_MERCHANT_CVV2&gt;)\d+(&lt;/DS_MERCHANT_CVV2&gt;))i, '\1[FILTERED]\2').
+          gsub(%r((DS_MERCHANT_CVV2)%2F%3E%0A%3C%2F)i, '\1[BLANK]').
+          gsub(%r((DS_MERCHANT_CVV2)%2F%3E%3C)i, '\1[BLANK]').
+          gsub(%r((DS_MERCHANT_CVV2%3E)(%3C%2FDS_MERCHANT_CVV2))i, '\1[BLANK]\2').
+          gsub(%r((<DS_MERCHANT_CVV2>)(</DS_MERCHANT_CVV2>))i, '\1[BLANK]\2').
+          gsub(%r((DS_MERCHANT_CVV2%3E)\++(%3C%2FDS_MERCHANT_CVV2))i, '\1[BLANK]\2').
+          gsub(%r((<DS_MERCHANT_CVV2>)\s+(</DS_MERCHANT_CVV2>))i, '\1[BLANK]\2')
+      end
+
+      private
+
+      def add_action(data, action, options = {})
+        data[:action] = options[:execute_threed].present? ? '0' : transaction_code(action)
+      end
+
+      def add_amount(data, money, options)
+        data[:amount] = amount(money).to_s
+        data[:currency] = currency_code(options[:currency] || currency(money))
+      end
+
+      def add_order(data, order_id)
+        data[:order_id] = clean_order_id(order_id)
+      end
+
+      def url
+        test? ? test_url : live_url
+      end
+
+      def webservice_url
+        test? ? 'https://sis-t.redsys.es:25443/sis/services/SerClsWSEntradaV2' : 'https://sis.redsys.es/sis/services/SerClsWSEntradaV2'
+      end
+
+      def add_payment(data, card)
+        if card.is_a?(String)
+          data[:credit_card_token] = card
+        else
+          name  = [card.first_name, card.last_name].join(' ').slice(0, 60)
+          year  = sprintf('%.4i', card.year)
+          month = sprintf('%.2i', card.month)
+          data[:card] = {
+            name: name,
+            pan: card.number,
+            date: "#{year[2..3]}#{month}",
+            cvv: card.verification_value
+          }
+        end
+      end
+
+      def add_external_mpi_fields(data, options)
+        return unless options[:three_d_secure]
+
+        if options[:three_d_secure][:version] == THREE_DS_V2
+          data[:threeDSServerTransID] = options[:three_d_secure][:three_ds_server_trans_id] if options[:three_d_secure][:three_ds_server_trans_id]
+          data[:dsTransID] = options[:three_d_secure][:ds_transaction_id] if options[:three_d_secure][:ds_transaction_id]
+          data[:authenticacionValue] = options[:three_d_secure][:cavv] if options[:three_d_secure][:cavv]
+          data[:protocolVersion] = options[:three_d_secure][:version] if options[:three_d_secure][:version]
+          data[:authenticacionMethod] = options[:authentication_method] if options[:authentication_method]
+          data[:authenticacionType] = options[:authentication_type] if options[:authentication_type]
+          data[:authenticacionFlow] = options[:authentication_flow] if options[:authentication_flow]
+          data[:eci_v2] = options[:three_d_secure][:eci] if options[:three_d_secure][:eci]
+        elsif options[:three_d_secure][:version] == THREE_DS_V1
+          data[:txid] = options[:three_d_secure][:xid] if options[:three_d_secure][:xid]
+          data[:cavv] = options[:three_d_secure][:cavv] if options[:three_d_secure][:cavv]
+          data[:eci_v1] = options[:three_d_secure][:eci] if options[:three_d_secure][:eci]
+        end
+      end
+
+      def add_stored_credential_options(data, options)
+        return unless options[:stored_credential]
+
+        case options[:stored_credential][:initial_transaction]
+        when true
+          data[:DS_MERCHANT_COF_INI] = 'S'
+        when false
+          data[:DS_MERCHANT_COF_INI] = 'N'
+          data[:DS_MERCHANT_COF_TXNID] = options[:stored_credential][:network_transaction_id] if options[:stored_credential][:network_transaction_id]
+        end
+
+        case options[:stored_credential][:reason_type]
+        when 'recurring'
+          data[:DS_MERCHANT_COF_TYPE] = 'R'
+        when 'installment'
+          data[:DS_MERCHANT_COF_TYPE] = 'I'
+        when 'unscheduled'
+          return
+        end
+      end
+
+      def add_three_ds_data(data, options)
+        data[:three_ds_data] = { threeDSInfo: 'CardData' } if options[:execute_threed] == true
+      end
+
+      def determine_peticion_type(data)
+        three_ds_info = data.dig(:three_ds_data, :threeDSInfo)
+        return 'iniciaPeticion' if three_ds_info == 'CardData'
+        return 'trataPeticion' if three_ds_info == 'AuthenticationData' ||
+                                  three_ds_info == 'ChallengeResponse' ||
+                                  data[:sca_exemption] == 'MIT'
+      end
+
+      def use_webservice_endpoint?(data, options)
+        options[:use_webservice_endpoint].to_s == 'true' || data[:three_ds_data] || data[:sca_exemption] == 'MIT'
+      end
+
+      def commit(data, options = {})
+        xmlreq = xml_request_from(data, options)
+
+        if use_webservice_endpoint?(data, options)
+          peticion_type = determine_peticion_type(data)
+
+          request = <<-REQUEST
+            <soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:apachesoap="http://xml.apache.org/xml-soap" xmlns:impl="http://webservice.sis.sermepa.es" xmlns:intf="http://webservice.sis.sermepa.es" xmlns:wsdl="http://schemas.xmlsoap.org/wsdl/" xmlns:wsdlsoap="http://schemas.xmlsoap.org/wsdl/soap/" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" >
+            <soapenv:Header/>
+            <soapenv:Body>
+              <intf:#{peticion_type} xmlns:intf="http://webservice.sis.sermepa.es">
+                <intf:datoEntrada>
+                <![CDATA[#{xmlreq}]]>
+                </intf:datoEntrada>
+              </intf:#{peticion_type}>
+            </soapenv:Body>
+          </soapenv:Envelope>
+          REQUEST
+          parse(ssl_post(webservice_url, request, headers(peticion_type)), peticion_type)
+        else
+          parse(ssl_post(url, "entrada=#{CGI.escape(xmlreq)}", headers), peticion_type)
+        end
+      end
+
+      def headers(peticion_type = nil)
+        if peticion_type
+          {
+            'Content-Type' => 'text/xml',
+            'SOAPAction' => peticion_type
+          }
+        else
+          {
+            'Content-Type' => 'application/x-www-form-urlencoded'
+          }
+        end
+      end
+
+      def xml_request_from(data, options = {})
+        if sha256_authentication?
+          build_sha256_xml_request(data, options)
+        else
+          build_sha1_xml_request(data, options)
+        end
+      end
+
+      def build_signature(data)
+        str = data[:amount] +
+              data[:order_id].to_s +
+              @options[:login].to_s +
+              data[:currency]
+
+        if card = data[:card]
+          str << card[:pan]
+          str << card[:cvv] if card[:cvv]
+        end
+
+        str << data[:action]
+        if data[:store_in_vault]
+          str << 'REQUIRED'
+        elsif data[:credit_card_token]
+          str << data[:credit_card_token]
+        end
+        str << @options[:secret_key]
+
+        Digest::SHA1.hexdigest(str)
+      end
+
+      def build_sha256_xml_request(data, options = {})
+        xml = Builder::XmlMarkup.new
+        xml.instruct!
+        xml.REQUEST do
+          build_merchant_data(xml, data, options)
+          xml.DS_SIGNATUREVERSION 'HMAC_SHA256_V1'
+          xml.DS_SIGNATURE sign_request(merchant_data_xml(data, options), data[:order_id])
+        end
+        xml.target!
+      end
+
+      def build_sha1_xml_request(data, options = {})
+        xml = Builder::XmlMarkup.new indent: 2
+        build_merchant_data(xml, data, options)
+        xml.target!
+      end
+
+      def merchant_data_xml(data, options = {})
+        xml = Builder::XmlMarkup.new
+        build_merchant_data(xml, data, options)
+        xml.target!
+      end
+
+      def build_merchant_data(xml, data, options = {})
+        # See https://sis-t.redsys.es:25443/sis/services/SerClsWSEntradaV2/wsdl/SerClsWSEntradaV2.wsdl
+        # (which results from calling #webservice_url + '?WSDL', https://sis-t.redsys.es:25443/sis/services/SerClsWSEntradaV2?WSDL)
+        xml.DATOSENTRADA do
+          # Basic elements
+          xml.DS_Version 0.1
+          xml.DS_MERCHANT_CURRENCY           data[:currency]
+          xml.DS_MERCHANT_AMOUNT             data[:amount]
+          xml.DS_MERCHANT_ORDER              data[:order_id]
+          xml.DS_MERCHANT_TRANSACTIONTYPE    data[:action]
+          if data[:description] && use_webservice_endpoint?(data, options)
+            xml.DS_MERCHANT_PRODUCTDESCRIPTION CGI.escape(data[:description])
+          else
+            xml.DS_MERCHANT_PRODUCTDESCRIPTION data[:description]
+          end
+          xml.DS_MERCHANT_TERMINAL           options[:terminal] || @options[:terminal]
+          xml.DS_MERCHANT_MERCHANTCODE       @options[:login]
+          xml.DS_MERCHANT_MERCHANTSIGNATURE  build_signature(data) unless sha256_authentication?
+
+          peticion_type = determine_peticion_type(data) if data[:three_ds_data]
+          if peticion_type == 'iniciaPeticion' && data[:sca_exemption]
+            xml.DS_MERCHANT_EXCEP_SCA 'Y'
+          else
+            xml.DS_MERCHANT_EXCEP_SCA data[:sca_exemption] if data[:sca_exemption]
+            xml.DS_MERCHANT_DIRECTPAYMENT data[:sca_exemption_direct_payment_enabled] || 'true' if data[:sca_exemption] == 'MIT'
+          end
+
+          # Only when card is present
+          if data[:card]
+            if data[:card][:name] && use_webservice_endpoint?(data, options)
+              xml.DS_MERCHANT_TITULAR    CGI.escape(data[:card][:name])
+            else
+              xml.DS_MERCHANT_TITULAR    data[:card][:name]
+            end
+            xml.DS_MERCHANT_PAN        data[:card][:pan]
+            xml.DS_MERCHANT_EXPIRYDATE data[:card][:date]
+            xml.DS_MERCHANT_CVV2       data[:card][:cvv]
+            xml.DS_MERCHANT_IDENTIFIER 'REQUIRED' if data[:store_in_vault]
+
+            build_merchant_mpi_external(xml, data)
+
+          elsif data[:credit_card_token]
+            xml.DS_MERCHANT_IDENTIFIER data[:credit_card_token]
+            xml.DS_MERCHANT_DIRECTPAYMENT 'true'
+          end
+
+          # Set moto flag only if explicitly requested via moto field
+          # Requires account configuration to be able to use
+          xml.DS_MERCHANT_DIRECTPAYMENT 'moto' if options.dig(:moto) && options.dig(:metadata, :manual_entry)
+
+          xml.DS_MERCHANT_EMV3DS data[:three_ds_data].to_json if data[:three_ds_data]
+
+          if options[:stored_credential]
+            xml.DS_MERCHANT_COF_INI data[:DS_MERCHANT_COF_INI]
+            xml.DS_MERCHANT_COF_TYPE data[:DS_MERCHANT_COF_TYPE]
+            xml.DS_MERCHANT_COF_TXNID data[:DS_MERCHANT_COF_TXNID] if data[:DS_MERCHANT_COF_TXNID]
+            xml.DS_MERCHANT_DIRECTPAYMENT 'false' if options[:stored_credential][:initial_transaction]
+          end
+        end
+      end
+
+      def build_merchant_mpi_external(xml, data)
+        return unless data[:txid] || data[:threeDSServerTransID]
+
+        ds_merchant_mpi_external = {}
+        ds_merchant_mpi_external[:TXID] = data[:txid] if data[:txid]
+        ds_merchant_mpi_external[:CAVV] = data[:cavv] if data[:cavv]
+        ds_merchant_mpi_external[:ECI] = data[:eci_v1] if data[:eci_v1]
+
+        ds_merchant_mpi_external[:threeDSServerTransID] = data[:threeDSServerTransID] if data[:threeDSServerTransID]
+        ds_merchant_mpi_external[:dsTransID] = data[:dsTransID] if data[:dsTransID]
+        ds_merchant_mpi_external[:authenticacionValue] = data[:authenticacionValue] if data[:authenticacionValue]
+        ds_merchant_mpi_external[:protocolVersion] = data[:protocolVersion] if data[:protocolVersion]
+        ds_merchant_mpi_external[:Eci] = data[:eci_v2] if data[:eci_v2]
+        ds_merchant_mpi_external[:authenticacionMethod] = data[:authenticacionMethod] if data[:authenticacionMethod]
+        ds_merchant_mpi_external[:authenticacionType] = data[:authenticacionType] if data[:authenticacionType]
+        ds_merchant_mpi_external[:authenticacionFlow] = data[:authenticacionFlow] if data[:authenticacionFlow]
+
+        xml.DS_MERCHANT_MPIEXTERNAL ds_merchant_mpi_external.to_json unless ds_merchant_mpi_external.empty?
+        xml.target!
+      end
+
+      def parse(data, action)
+        params  = {}
+        success = false
+        message = ''
+        options = @options.merge(test: test?)
+        xml     = Nokogiri::XML(data)
+        code    = xml.xpath('//RETORNOXML/CODIGO').text
+
+        if code == '0' && xml.xpath('//RETORNOXML/OPERACION').present?
+          op = xml.xpath('//RETORNOXML/OPERACION')
+          op.children.each do |element|
+            params[element.name.downcase.to_sym] = element.text
+          end
+          if validate_signature(params)
+            message = response_text(params[:ds_response])
+            options[:authorization] = build_authorization(params)
+            success = success_response?(params[:ds_response])
+          else
+            message = 'Response failed validation check'
+          end
+        elsif %w[iniciaPeticion trataPeticion].include?(action)
+          vxml = Nokogiri::XML(data).remove_namespaces!.xpath("//Envelope/Body/#{action}Response/#{action}Return").inner_text
+          xml = Nokogiri::XML(vxml)
+          node = (action == 'iniciaPeticion' ? 'INFOTARJETA' : 'OPERACION')
+          op = xml.xpath("//RETORNOXML/#{node}")
+          op.children.each do |element|
+            params[element.name.downcase.to_sym] = element.text
+          end
+          message = response_text_3ds(xml, params)
+          options[:authorization] = build_authorization(params)
+          success = params.size > 0 && success_response?(params[:ds_response])
+        else
+          # Some kind of programmer error with the request!
+          message = "#{code} ERROR"
+        end
+
+        Response.new(success, message, params, options)
+      end
+
+      def validate_signature(data)
+        if sha256_authentication?
+          sig = Base64.strict_encode64(mac256(get_key(data[:ds_order].to_s), xml_signed_fields(data)))
+          sig.casecmp(data[:ds_signature].to_s).zero?
+        else
+          str = data[:ds_amount] +
+                data[:ds_order].to_s +
+                data[:ds_merchantcode] +
+                data[:ds_currency] +
+                data[:ds_response] +
+                data[:ds_cardnumber].to_s +
+                data[:ds_transactiontype].to_s +
+                data[:ds_securepayment].to_s +
+                @options[:secret_key]
+
+          sig = Digest::SHA1.hexdigest(str)
+          data[:ds_signature].to_s.downcase == sig
+        end
+      end
+
+      def build_authorization(params)
+        [params[:ds_order], params[:ds_amount], params[:ds_currency]].join('|')
+      end
+
+      def split_authorization(authorization)
+        order_id, amount, currency = authorization.split('|')
+        [order_id, amount.to_i, currency]
+      end
+
+      def currency_code(currency)
+        return currency if currency =~ /^\d+$/
+        raise ArgumentError, "Unknown currency #{currency}" unless CURRENCY_CODES[currency]
+
+        CURRENCY_CODES[currency]
+      end
+
+      def transaction_code(type)
+        SUPPORTED_TRANSACTIONS[type]
+      end
+
+      def response_text(code)
+        code = code.to_i
+        code = 0 if code < 100
+        RESPONSE_TEXTS[code] || 'Unknown code, please check in manual'
+      end
+
+      def response_text_3ds(xml, params)
+        code = xml.xpath('//RETORNOXML/CODIGO').text
+        message = ''
+        if code != '0'
+          message = "#{code} ERROR"
+        elsif params[:ds_emv3ds]
+          three_ds_data = JSON.parse(params[:ds_emv3ds])
+          message = three_ds_data['threeDSInfo']
+        elsif params[:ds_response]
+          message = response_text(params[:ds_response])
+        end
+        message
+      end
+
+      def success_response?(code)
+        (code.to_i < 100) || [400, 481, 500, 900].include?(code.to_i)
+      end
+
+      def clean_order_id(order_id)
+        cleansed = order_id.gsub(/[^\da-zA-Z]/, '')
+        if /^\d{4}/.match?(cleansed)
+          cleansed[0..11]
+        else
+          '%04d%s' % [rand(0..9999), cleansed[0...8]]
+        end
+      end
+
+      def sha256_authentication?
+        @options[:signature_algorithm] == 'sha256'
+      end
+
+      def sign_request(xml_request_string, order_id)
+        key = encrypt(@options[:secret_key], order_id)
+        Base64.strict_encode64(mac256(key, xml_request_string))
+      end
+
+      def encrypt(key, order_id)
+        block_length = 8
+        cipher = OpenSSL::Cipher.new('DES3')
+        cipher.encrypt
+
+        cipher.key = Base64.urlsafe_decode64(key)
+        # The OpenSSL default of an all-zeroes ("\\0") IV is used.
+        cipher.padding = 0
+
+        order_id += "\0" until order_id.bytesize % block_length == 0 # Pad with zeros
+
+        output = cipher.update(order_id) + cipher.final
+        output
+      end
+
+      def mac256(key, data)
+        OpenSSL::HMAC.digest(OpenSSL::Digest.new('sha256'), key, data)
+      end
+
+      def xml_signed_fields(data)
+        xml_signed_fields = data[:ds_amount] + data[:ds_order] + data[:ds_merchantcode] +
+                            data[:ds_currency] + data[:ds_response]
+
+        xml_signed_fields += data[:ds_cardnumber] if data[:ds_cardnumber]
+
+        xml_signed_fields += data[:ds_emv3ds] if data[:ds_emv3ds]
+
+        xml_signed_fields + data[:ds_transactiontype] + data[:ds_securepayment]
+      end
+
+      def get_key(order_id)
+        encrypt(@options[:secret_key], order_id)
+      end
+    end
+  end
+end