zai_payment 1.3.2 → 2.0.1

data/docs/items.md

@@ -0,0 +1,666 @@
+# Item Management
+
+The Item resource provides methods for managing Zai items, which represent transactions or payments between buyers and sellers on your platform.
+
+## Overview
+
+Items are the core transactional objects in Zai that represent a payment agreement between a buyer (payin user) and a seller (payout user). Each item tracks:
+- Transaction amount
+- Payment type
+- Buyer and seller information
+- Fees and charges
+- Transaction state and history
+- Wire transfer details (if applicable)
+
+## References
+
+- [Zai Items API](https://developer.hellozai.com/reference/listitems)
+- [Create Item](https://developer.hellozai.com/reference/createitem)
+- [Update Item](https://developer.hellozai.com/reference/updateitem)
+
+## Usage
+
+### Initialize the Item Resource
+
+```ruby
+# Using the singleton instance (recommended)
+items = ZaiPayment.items
+
+# Or create a new instance
+items = ZaiPayment::Resources::Item.new
+```
+
+## Methods
+
+### Create Item
+
+Create a new item (transaction/payment) between a buyer and a seller.
+
+#### Required Fields
+
+- `name` - Name/description of the item
+- `amount` - Amount in cents (e.g., 10000 = $100.00)
+- `payment_type` - Payment type (1-7, default: 2 for credit card)
+- `buyer_id` - Buyer user ID
+- `seller_id` - Seller user ID
+
+#### Optional Fields
+
+- `id` - Custom unique ID for the item
+- `fee_ids` - Array of fee IDs to apply
+- `description` - Detailed description
+- `currency` - Currency code (e.g., 'AUD', 'USD')
+- `custom_descriptor` - Custom text for bank statements
+- `buyer_url` - URL for buyer to access transaction
+- `seller_url` - URL for seller to access transaction
+- `tax_invoice` - Whether to generate a tax invoice (boolean)
+
+#### Example
+
+```ruby
+response = ZaiPayment.items.create(
+  name: "Product Purchase",
+  amount: 10000, # $100.00 in cents
+  payment_type: 2, # Credit card
+  buyer_id: "buyer-123",
+  seller_id: "seller-456",
+  description: "Purchase of premium product XYZ",
+  currency: "AUD",
+  buyer_url: "https://buyer.example.com",
+  seller_url: "https://seller.example.com",
+  tax_invoice: true
+)
+
+if response.success?
+  item = response.data
+  puts "Item created: #{item['id']}"
+  puts "Amount: #{item['amount']}"
+  puts "State: #{item['state']}"
+end
+```
+
+#### Create Item with Custom ID
+
+```ruby
+response = ZaiPayment.items.create(
+  id: "my-custom-item-#{Time.now.to_i}",
+  name: "Custom ID Product",
+  amount: 15000,
+  payment_type: 2,
+  buyer_id: "buyer-123",
+  seller_id: "seller-456"
+)
+```
+
+### List Items
+
+Retrieve a list of all items with pagination and optional filtering.
+
+```ruby
+# List items with default pagination (10 items)
+response = ZaiPayment.items.list
+
+if response.success?
+  items_list = response.data
+  items_list.each do |item|
+    puts "Item: #{item['name']} - $#{item['amount'] / 100.0}"
+  end
+  
+  # Access pagination metadata
+  meta = response.meta
+  puts "Total items: #{meta['total']}"
+end
+```
+
+#### List with Pagination
+
+```ruby
+# Get 20 items starting from offset 40
+response = ZaiPayment.items.list(limit: 20, offset: 40)
+```
+
+#### Search Items
+
+```ruby
+# Search items by description
+response = ZaiPayment.items.list(search: "product")
+
+# Filter by creation date
+response = ZaiPayment.items.list(
+  created_after: "2024-01-01T00:00:00Z",
+  created_before: "2024-12-31T23:59:59Z"
+)
+
+# Combine filters
+response = ZaiPayment.items.list(
+  limit: 50,
+  search: "premium",
+  created_after: "2024-01-01T00:00:00Z"
+)
+```
+
+### Show Item
+
+Get details of a specific item by ID.
+
+```ruby
+response = ZaiPayment.items.show("item-123")
+
+if response.success?
+  item = response.data
+  puts "Item ID: #{item['id']}"
+  puts "Name: #{item['name']}"
+  puts "Amount: #{item['amount']}"
+  puts "Payment Type: #{item['payment_type']}"
+  puts "State: #{item['state']}"
+  puts "Buyer ID: #{item['buyer_id']}"
+  puts "Seller ID: #{item['seller_id']}"
+end
+```
+
+### Update Item
+
+Update an existing item's details.
+
+```ruby
+response = ZaiPayment.items.update(
+  "item-123",
+  name: "Updated Product Name",
+  description: "Updated product description",
+  amount: 12000,
+  buyer_url: "https://new-buyer.example.com",
+  tax_invoice: false
+)
+
+if response.success?
+  item = response.data
+  puts "Item updated: #{item['id']}"
+end
+```
+
+### Delete Item
+
+Delete an item by ID.
+
+```ruby
+response = ZaiPayment.items.delete("item-123")
+
+if response.success?
+  puts "Item deleted successfully"
+end
+```
+
+### Show Item Seller
+
+Get the seller (user) details for a specific item.
+
+```ruby
+response = ZaiPayment.items.show_seller("item-123")
+
+if response.success?
+  seller = response.data
+  puts "Seller: #{seller['first_name']} #{seller['last_name']}"
+  puts "Email: #{seller['email']}"
+  puts "Country: #{seller['country']}"
+end
+```
+
+### Show Item Buyer
+
+Get the buyer (user) details for a specific item.
+
+```ruby
+response = ZaiPayment.items.show_buyer("item-123")
+
+if response.success?
+  buyer = response.data
+  puts "Buyer: #{buyer['first_name']} #{buyer['last_name']}"
+  puts "Email: #{buyer['email']}"
+end
+```
+
+### Show Item Fees
+
+Get the fees associated with an item.
+
+```ruby
+response = ZaiPayment.items.show_fees("item-123")
+
+if response.success?
+  fees = response.data
+  
+  if fees && fees.any?
+    puts "Item has #{fees.length} fee(s):"
+    fees.each do |fee|
+      puts "  #{fee['name']}: $#{fee['amount'] / 100.0}"
+    end
+  end
+end
+```
+
+### Show Item Wire Details
+
+Get wire transfer details for an item (useful for bank transfers).
+
+```ruby
+response = ZaiPayment.items.show_wire_details("item-123")
+
+if response.success?
+  wire_details = response.data['wire_details']
+  
+  if wire_details
+    puts "Account Number: #{wire_details['account_number']}"
+    puts "Routing Number: #{wire_details['routing_number']}"
+    puts "Bank Name: #{wire_details['bank_name']}"
+  end
+end
+```
+
+### List Item Transactions
+
+Get all transactions associated with an item.
+
+```ruby
+# List transactions with default pagination
+response = ZaiPayment.items.list_transactions("item-123")
+
+if response.success?
+  transactions = response.data
+  
+  transactions.each do |transaction|
+    puts "Transaction #{transaction['id']}: #{transaction['state']}"
+    puts "  Amount: $#{transaction['amount'] / 100.0}"
+    puts "  Type: #{transaction['type']}"
+  end
+end
+
+# List with custom pagination
+response = ZaiPayment.items.list_transactions("item-123", limit: 50, offset: 100)
+```
+
+### List Item Batch Transactions
+
+Get all batch transactions associated with an item.
+
+```ruby
+response = ZaiPayment.items.list_batch_transactions("item-123")
+
+if response.success?
+  batch_transactions = response.data
+  
+  batch_transactions.each do |batch|
+    puts "Batch #{batch['id']}: #{batch['state']}"
+    puts "  Amount: $#{batch['amount'] / 100.0}"
+  end
+end
+
+# List with pagination
+response = ZaiPayment.items.list_batch_transactions("item-123", limit: 25, offset: 50)
+```
+
+### Show Item Status
+
+Get the current status of an item.
+
+```ruby
+response = ZaiPayment.items.show_status("item-123")
+
+if response.success?
+  status = response.data
+  puts "State: #{status['state']}"
+  puts "Payment State: #{status['payment_state']}"
+  puts "Disbursement State: #{status['disbursement_state']}" if status['disbursement_state']
+end
+```
+
+## Field Reference
+
+### Item Fields
+
+| Field | Type | Description | Required |
+|-------|------|-------------|----------|
+| `id` | String | Unique item ID (auto-generated if not provided) | Optional |
+| `name` | String | Name/title of the item | ✓ |
+| `amount` | Integer | Amount in cents (e.g., 10000 = $100.00) | ✓ |
+| `payment_type` | Integer | Payment type (1-7, default: 2) | ✓ |
+| `buyer_id` | String | Buyer user ID | ✓ |
+| `seller_id` | String | Seller user ID | ✓ |
+| `fee_ids` | Array | Array of fee IDs to apply | Optional |
+| `description` | String | Detailed description | Optional |
+| `currency` | String | Currency code (e.g., 'AUD', 'USD') | Optional |
+| `custom_descriptor` | String | Custom text for bank statements | Optional |
+| `buyer_url` | String | URL for buyer to access transaction | Optional |
+| `seller_url` | String | URL for seller to access transaction | Optional |
+| `tax_invoice` | Boolean | Whether to generate a tax invoice | Optional |
+
+### Payment Types
+
+When creating items, you can specify different payment types:
+
+| Type | Description |
+|------|-------------|
+| 1 | Direct Debit |
+| 2 | Credit Card (default) |
+| 3 | Bank Transfer |
+| 4 | Wallet |
+| 5 | BPay |
+| 6 | PayPal |
+| 7 | Other |
+
+Example:
+
+```ruby
+# Create item with bank transfer payment type
+response = ZaiPayment.items.create(
+  name: "Bank Transfer Payment",
+  amount: 30000,
+  payment_type: 3, # Bank Transfer
+  buyer_id: "buyer-123",
+  seller_id: "seller-456"
+)
+```
+
+## Item States
+
+Items go through various states during their lifecycle:
+
+- `pending` - Item created but not yet paid
+- `payment_pending` - Payment in progress
+- `payment_held` - Payment held (e.g., for review)
+- `payment_deposited` - Payment received and deposited
+- `work_completed` - Work/delivery completed
+- `completed` - Transaction completed successfully
+- `refunded` - Transaction refunded
+- `cancelled` - Transaction cancelled
+
+Check the item status using `show_status` method to track these state changes.
+
+## Error Handling
+
+The Item resource will raise validation errors for:
+
+- Missing required fields
+- Invalid amount (must be positive integer in cents)
+- Invalid payment type (must be 1-7)
+- Invalid item ID format
+- Item not found
+
+```ruby
+begin
+  response = ZaiPayment.items.create(
+    name: "Product",
+    amount: -100, # Invalid: negative amount
+    payment_type: 2,
+    buyer_id: "buyer-123",
+    seller_id: "seller-456"
+  )
+rescue ZaiPayment::Errors::ValidationError => e
+  puts "Validation error: #{e.message}"
+rescue ZaiPayment::Errors::NotFoundError => e
+  puts "Item not found: #{e.message}"
+rescue ZaiPayment::Errors::ApiError => e
+  puts "API error: #{e.message}"
+end
+```
+
+## Best Practices
+
+### 1. Use Meaningful Names and Descriptions
+
+Always provide clear, descriptive names and descriptions for items. This helps with:
+- Transaction tracking
+- Customer support
+- Financial reconciliation
+
+```ruby
+response = ZaiPayment.items.create(
+  name: "Order #12345 - Premium Widget",
+  description: "Premium widget with extended warranty - Customer: John Doe",
+  amount: 29900,
+  # ... other fields
+)
+```
+
+### 2. Track Custom IDs
+
+If you have your own order/transaction IDs, use the optional `id` field:
+
+```ruby
+response = ZaiPayment.items.create(
+  id: "order-#{your_order_id}",
+  name: "Order #{your_order_id}",
+  # ... other fields
+)
+```
+
+### 3. Set Buyer and Seller URLs
+
+Provide URLs so users can access transaction details on your platform:
+
+```ruby
+response = ZaiPayment.items.create(
+  buyer_url: "https://myapp.com/orders/#{order_id}",
+  seller_url: "https://myapp.com/sales/#{order_id}",
+  # ... other fields
+)
+```
+
+### 4. Monitor Transaction Status
+
+Regularly check item status to track payment and disbursement:
+
+```ruby
+status_response = ZaiPayment.items.show_status(item_id)
+puts "Payment: #{status_response.data['payment_state']}"
+puts "Disbursement: #{status_response.data['disbursement_state']}"
+```
+
+### 5. Handle Fees Properly
+
+If applying platform fees, create fee objects first and reference them:
+
+```ruby
+# Assume you've created fees with IDs: "fee-platform", "fee-service"
+response = ZaiPayment.items.create(
+  name: "Product Purchase",
+  amount: 50000,
+  fee_ids: ["fee-platform", "fee-service"],
+  # ... other fields
+)
+```
+
+## Response Structure
+
+### Successful Response
+
+```ruby
+response.success? # => true
+response.status   # => 200 or 201
+response.data     # => Item object hash
+response.meta     # => Pagination metadata (for list)
+```
+
+### Item Object Example
+
+```ruby
+{
+  "id" => "item-abc123",
+  "name" => "Product Purchase",
+  "amount" => 10000,
+  "payment_type" => 2,
+  "buyer_id" => "buyer-123",
+  "seller_id" => "seller-456",
+  "description" => "Purchase of product XYZ",
+  "currency" => "AUD",
+  "state" => "pending",
+  "payment_state" => "pending",
+  "buyer_url" => "https://buyer.example.com",
+  "seller_url" => "https://seller.example.com",
+  "tax_invoice" => true,
+  "created_at" => "2025-01-01T00:00:00Z",
+  "updated_at" => "2025-01-01T00:00:00Z"
+}
+```
+
+## Complete Workflow Example
+
+Here's a complete example of creating an item and tracking it through its lifecycle:
+
+```ruby
+require 'zai_payment'
+
+# Configure
+ZaiPayment.configure do |config|
+  config.client_id = ENV['ZAI_CLIENT_ID']
+  config.client_secret = ENV['ZAI_CLIENT_SECRET']
+  config.scope = ENV['ZAI_SCOPE']
+  config.environment = :prelive
+end
+
+items = ZaiPayment.items
+
+# 1. Create an item
+create_response = items.create(
+  name: "E-commerce Purchase - Order #12345",
+  amount: 50000, # $500.00
+  payment_type: 2, # Credit card
+  buyer_id: "buyer-abc123",
+  seller_id: "seller-xyz789",
+  description: "Online store purchase - Premium product bundle",
+  currency: "AUD",
+  buyer_url: "https://store.example.com/orders/12345",
+  seller_url: "https://seller.example.com/sales/12345",
+  tax_invoice: true
+)
+
+if create_response.success?
+  item_id = create_response.data['id']
+  puts "✓ Item created: #{item_id}"
+  
+  # 2. Get item details
+  show_response = items.show(item_id)
+  puts "✓ Item: #{show_response.data['name']}"
+  
+  # 3. Get seller details
+  seller_response = items.show_seller(item_id)
+  puts "✓ Seller: #{seller_response.data['email']}"
+  
+  # 4. Get buyer details
+  buyer_response = items.show_buyer(item_id)
+  puts "✓ Buyer: #{buyer_response.data['email']}"
+  
+  # 5. Check fees
+  fees_response = items.show_fees(item_id)
+  if fees_response.success? && fees_response.data&.any?
+    total_fees = fees_response.data.sum { |f| f['amount'] }
+    puts "✓ Total fees: $#{total_fees / 100.0}"
+  end
+  
+  # 6. Monitor status
+  status_response = items.show_status(item_id)
+  puts "✓ Payment state: #{status_response.data['payment_state']}"
+  
+  # 7. List transactions
+  txn_response = items.list_transactions(item_id)
+  puts "✓ Transactions: #{txn_response.data&.length || 0}"
+  
+  # 8. Update if needed
+  update_response = items.update(
+    item_id,
+    description: "Updated: Order #12345 - Payment confirmed"
+  )
+  puts "✓ Item updated" if update_response.success?
+else
+  puts "✗ Error: #{create_response.error_message}"
+end
+```
+
+## Integration with Rails
+
+### In a Controller
+
+```ruby
+class OrdersController < ApplicationController
+  def create
+    # Create users first (buyer and seller)
+    # ... user creation code ...
+    
+    # Create item
+    response = ZaiPayment.items.create(
+      name: "Order ##{@order.id}",
+      amount: (@order.total * 100).to_i, # Convert to cents
+      payment_type: 2,
+      buyer_id: @buyer_zai_id,
+      seller_id: @seller_zai_id,
+      description: @order.description,
+      buyer_url: order_url(@order),
+      seller_url: seller_order_url(@order),
+      tax_invoice: @order.requires_tax_invoice?
+    )
+    
+    if response.success?
+      @order.update(zai_item_id: response.data['id'])
+      redirect_to @order, notice: 'Order created successfully'
+    else
+      flash[:error] = "Payment error: #{response.error_message}"
+      render :new
+    end
+  end
+  
+  def show
+    # Get item status from Zai
+    if @order.zai_item_id
+      response = ZaiPayment.items.show_status(@order.zai_item_id)
+      @payment_status = response.data if response.success?
+    end
+  end
+end
+```
+
+### In a Background Job
+
+```ruby
+class CheckItemStatusJob < ApplicationJob
+  def perform(order_id)
+    order = Order.find(order_id)
+    
+    response = ZaiPayment.items.show_status(order.zai_item_id)
+    
+    if response.success?
+      status = response.data
+      
+      order.update(
+        payment_state: status['payment_state'],
+        disbursement_state: status['disbursement_state']
+      )
+      
+      # Send notifications based on state
+      if status['payment_state'] == 'completed'
+        OrderMailer.payment_completed(order).deliver_later
+      end
+    end
+  end
+end
+```
+
+## Testing
+
+The Item resource includes comprehensive test coverage. Run the tests with:
+
+```bash
+bundle exec rspec spec/zai_payment/resources/item_spec.rb
+```
+
+## See Also
+
+- [User Management Guide](users.md) - Managing buyers and sellers
+- [Webhook Documentation](webhooks.md) - Receiving item status updates
+- [Authentication Documentation](authentication.md) - OAuth2 setup
+- [Item Examples](../examples/items.md) - More code examples
+
+## External Resources
+
+- [Zai Items API Reference](https://developer.hellozai.com/reference/listitems)
+- [Zai Developer Portal](https://developer.hellozai.com/)
+- [Payment Types Documentation](https://developer.hellozai.com/docs/payment-types)
+

data/docs/{USER_QUICK_REFERENCE.md → user_quick_reference.md}

@@ -47,7 +47,7 @@ response = ZaiPayment.users.create(
   first_name: 'Jane',
   last_name: 'Smith',
   country: 'AUS',
-  dob: '19900101',
+  dob: '01/01/1990',
   address_line1: '123 Main St',
   city: 'Sydney',
   state: 'NSW',
@@ -83,7 +83,7 @@ response = ZaiPayment.users.update(
 | first_name | String | ✓ |
 | last_name | String | ✓ |
 | country | String (ISO 3166-1 alpha-3) | ✓ |
-| dob | String (YYYYMMDD) | ✓ |
+| dob | String (DD/MM/YYYY) | ✓ |
 | address_line1 | String | ✓ |
 | city | String | ✓ |
 | state | String | ✓ |
@@ -106,9 +106,9 @@ country: 'GBR'  # United Kingdom
 country: 'CAN'  # Canada
 ```
 
-### Date of Birth (YYYYMMDD)
+### Date of Birth (DD/MM/YYYY)
 ```ruby
-dob: '19900101'  # January 1, 1990
+dob: '01/01/1990'  # January 1, 1990
 ```
 
 ## Error Handling
@@ -216,7 +216,7 @@ ruby examples/user_demo.rb
 
 ## Documentation Links
 
-- [Full User Guide](USERS.md)
+- [Full User Guide](users.md)
 - [Usage Examples](../examples/users.md)
 - [Zai: Payin User](https://developer.hellozai.com/docs/onboarding-a-pay-in-user)
 - [Zai: Payout User](https://developer.hellozai.com/docs/onboarding-a-pay-out-user)
@@ -224,7 +224,7 @@ ruby examples/user_demo.rb
 ## Support
 
 For issues or questions:
-1. Check the [User Management Guide](USERS.md)
+1. Check the [User Management Guide](users.md)
 2. Review [Examples](../examples/users.md)
 3. Visit [Zai Developer Portal](https://developer.hellozai.com/)
 

data/docs/{WEBHOOK_SECURITY_QUICKSTART.md → webhook_security_quickstart.md}

@@ -123,7 +123,7 @@ end
 
 ## 📚 Full Documentation
 
-- [Complete Setup Guide](WEBHOOKS.md#webhook-security-signature-verification)
+- [Complete Setup Guide](webhooks.md#webhook-security-signature-verification)
 - [More Examples](../examples/webhooks.md#webhook-security-complete-setup-guide)
 - [Zai Official Docs](https://developer.hellozai.com/docs/verify-webhook-signatures)