zai_payment 2.6.0 → 2.7.0

data/docs/direct_api_usage.md

@@ -0,0 +1,489 @@
+# Direct API Usage Guide
+
+This guide shows you how to use the ZaiPayment client directly to call APIs that haven't been implemented as resource methods yet.
+
+## Overview
+
+The `ZaiPayment::Client` class provides low-level HTTP methods (`get`, `post`, `patch`, `delete`) that you can use to call any Zai API endpoint directly.
+
+## Basic Usage
+
+### Creating a Client
+
+```ruby
+# Use the default client (va_base endpoint)
+client = ZaiPayment::Client.new
+
+# Or specify a different endpoint
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+```
+
+### Available Endpoints
+
+The client supports different base endpoints configured in your setup:
+- `:va_base` - Virtual Account API base (default)
+- `:core_base` - Core API base (for users, items, etc.)
+
+## HTTP Methods
+
+The client provides four HTTP methods:
+
+### GET Request
+```ruby
+client.get(path, params: {})
+```
+
+### POST Request
+```ruby
+client.post(path, body: {})
+```
+
+### PATCH Request
+```ruby
+client.patch(path, body: {})
+```
+
+### DELETE Request
+```ruby
+client.delete(path)
+```
+
+## Examples
+
+### Example 1: Get Wallet Account Transactions (Unimplemented)
+
+```ruby
+# If wallet transactions endpoint isn't implemented yet
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+
+# Get transactions for a wallet account
+response = client.get("/wallet_accounts/#{wallet_id}/transactions", params: {
+  limit: 20,
+  offset: 0
+})
+
+if response.success?
+  transactions = response.data
+  transactions.each do |transaction|
+    puts "Transaction ID: #{transaction['id']}"
+    puts "Amount: #{transaction['amount']} #{transaction['currency']}"
+    puts "Type: #{transaction['type']}"
+    puts "State: #{transaction['state']}"
+    puts "---"
+  end
+else
+  puts "Error: #{response.status}"
+end
+```
+
+### Example 2: Create Virtual Account (Unimplemented)
+
+```ruby
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+
+# Create a virtual account for a wallet
+response = client.post("/wallet_accounts/#{wallet_id}/virtual_accounts", body: {
+  account_name: "My Virtual Account",
+  nickname: "main_account"
+})
+
+if response.success?
+  virtual_account = response.data
+  puts "Virtual Account Created!"
+  puts "ID: #{virtual_account['id']}"
+  puts "Account Number: #{virtual_account['account_number']}"
+  puts "BSB: #{virtual_account['bsb']}"
+else
+  puts "Error: #{response.status}"
+end
+```
+
+### Example 3: Get NPP Details (Unimplemented)
+
+```ruby
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+
+# Get NPP (New Payments Platform) details for a wallet account
+response = client.get("/wallet_accounts/#{wallet_id}/npp_details")
+
+if response.success?
+  npp_details = response.data
+  puts "NPP PayID: #{npp_details['pay_id']}"
+  puts "PayID Type: #{npp_details['pay_id_type']}"
+  puts "Status: #{npp_details['status']}"
+end
+```
+
+### Example 4: Batch Transactions (Unimplemented)
+
+```ruby
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+
+# Create a batch transaction
+response = client.post("/batch_transactions", body: {
+  account_id: account_id,
+  batch_name: "Monthly Payouts",
+  transactions: [
+    {
+      amount: 10000,
+      currency: "AUD",
+      to_user_id: user_id_1,
+      description: "Payout to user 1"
+    },
+    {
+      amount: 15000,
+      currency: "AUD", 
+      to_user_id: user_id_2,
+      description: "Payout to user 2"
+    }
+  ]
+})
+
+if response.success?
+  batch = response.data
+  puts "Batch Transaction Created!"
+  puts "Batch ID: #{batch['id']}"
+  puts "Status: #{batch['status']}"
+  puts "Total Amount: #{batch['total_amount']}"
+end
+```
+
+### Example 5: Update Item Fee (Unimplemented)
+
+```ruby
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+
+# Update a fee for an item
+response = client.patch("/items/#{item_id}/fees/#{fee_id}", body: {
+  amount: 500,
+  description: "Updated processing fee"
+})
+
+if response.success?
+  fee = response.data
+  puts "Fee Updated!"
+  puts "New Amount: #{fee['amount']}"
+end
+```
+
+### Example 6: List Card Accounts (Unimplemented)
+
+```ruby
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+
+# List all card accounts with pagination
+response = client.get("/card_accounts", params: {
+  limit: 50,
+  offset: 0,
+  user_id: user_id  # Optional filter
+})
+
+if response.success?
+  card_accounts = response.data
+  card_accounts.each do |card|
+    puts "Card ID: #{card['id']}"
+    puts "Card Type: #{card['card']['type']}"
+    puts "Last 4 Digits: #{card['card']['number']}"
+    puts "Active: #{card['active']}"
+    puts "---"
+  end
+  
+  # Access pagination metadata
+  meta = response.meta
+  puts "\nTotal: #{meta['total']}"
+  puts "Showing #{meta['limit']} items from offset #{meta['offset']}"
+end
+```
+
+### Example 7: Custom Endpoint with Error Handling
+
+```ruby
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+
+begin
+  # Call any custom endpoint
+  response = client.get("/custom/endpoint/path", params: {
+    custom_param: "value"
+  })
+  
+  if response.success?
+    data = response.data
+    puts "Success: #{data.inspect}"
+  else
+    puts "API Error: #{response.status}"
+  end
+  
+rescue ZaiPayment::Errors::TimeoutError => e
+  puts "Request timed out: #{e.message}"
+rescue ZaiPayment::Errors::ConnectionError => e
+  puts "Connection failed: #{e.message}"
+rescue ZaiPayment::Errors::UnauthorizedError => e
+  puts "Unauthorized: #{e.message}"
+  # Maybe refresh token here
+rescue ZaiPayment::Errors::ValidationError => e
+  puts "Validation error: #{e.message}"
+rescue ZaiPayment::Errors::ApiError => e
+  puts "API error: #{e.message}"
+end
+```
+
+## Advanced: Using Client in a Custom Resource
+
+If you're implementing a new resource that's not yet part of the gem, you can follow this pattern:
+
+```ruby
+module ZaiPayment
+  module Resources
+    class CustomResource
+      attr_reader :client
+      
+      def initialize(client: nil)
+        @client = client || Client.new(base_endpoint: :core_base)
+      end
+      
+      # List custom resources
+      def list(limit: 10, offset: 0)
+        params = { limit: limit, offset: offset }
+        client.get("/custom_resources", params: params)
+      end
+      
+      # Get a custom resource
+      def show(resource_id)
+        client.get("/custom_resources/#{resource_id}")
+      end
+      
+      # Create a custom resource
+      def create(name:, description:)
+        body = {
+          name: name,
+          description: description
+        }
+        client.post("/custom_resources", body: body)
+      end
+      
+      # Update a custom resource
+      def update(resource_id, **attributes)
+        body = build_body(attributes)
+        client.patch("/custom_resources/#{resource_id}", body: body)
+      end
+      
+      # Delete a custom resource
+      def delete(resource_id)
+        client.delete("/custom_resources/#{resource_id}")
+      end
+      
+      private
+      
+      def build_body(attributes)
+        # Filter and transform attributes as needed
+        attributes.compact
+      end
+    end
+  end
+end
+
+# Usage
+custom = ZaiPayment::Resources::CustomResource.new
+response = custom.list(limit: 20)
+```
+
+## Response Object
+
+All client methods return a `ZaiPayment::Response` object with the following methods:
+
+### Response Methods
+
+```ruby
+response.success?       # => true/false (2xx status codes)
+response.client_error?  # => true/false (4xx status codes)
+response.server_error?  # => true/false (5xx status codes)
+response.status         # => HTTP status code (e.g., 200, 404, 500)
+response.data           # => Extracted data from response body
+response.body           # => Full response body
+response.meta           # => Pagination/metadata (if available)
+response.headers        # => Response headers
+```
+
+### Response Data Extraction
+
+The `response.data` method automatically extracts the main data from the response:
+
+```ruby
+# For endpoints returning users
+response.data  # Automatically extracts response.body['users']
+
+# For endpoints returning items  
+response.data  # Automatically extracts response.body['items']
+
+# For endpoints returning wallet_accounts
+response.data  # Automatically extracts response.body['wallet_accounts']
+
+# For custom endpoints without a recognized key
+response.data  # Returns the full response.body
+```
+
+Supported auto-extraction keys:
+- `webhooks`
+- `users`
+- `items`
+- `fees`
+- `transactions`
+- `batch_transactions`
+- `bpay_accounts`
+- `bank_accounts`
+- `card_accounts`
+- `wallet_accounts`
+- `routing_number`
+
+## Error Handling
+
+The client automatically handles errors and raises appropriate exceptions:
+
+### Available Error Classes
+
+```ruby
+ZaiPayment::Errors::BadRequestError       # 400 Bad Request
+ZaiPayment::Errors::UnauthorizedError     # 401 Unauthorized
+ZaiPayment::Errors::ForbiddenError        # 403 Forbidden
+ZaiPayment::Errors::NotFoundError         # 404 Not Found
+ZaiPayment::Errors::ValidationError       # 422 Unprocessable Entity
+ZaiPayment::Errors::RateLimitError        # 429 Too Many Requests
+ZaiPayment::Errors::ServerError           # 5xx Server Errors
+ZaiPayment::Errors::TimeoutError          # Timeout errors
+ZaiPayment::Errors::ConnectionError       # Connection errors
+ZaiPayment::Errors::ApiError              # Generic API errors
+```
+
+### Error Handling Example
+
+```ruby
+begin
+  response = client.get("/some/endpoint")
+  data = response.data
+  # Process data...
+rescue ZaiPayment::Errors::NotFoundError => e
+  puts "Resource not found: #{e.message}"
+rescue ZaiPayment::Errors::ValidationError => e
+  puts "Validation failed: #{e.message}"
+rescue ZaiPayment::Errors::UnauthorizedError => e
+  puts "Auth failed, refreshing token..."
+  ZaiPayment.refresh_token!
+  retry
+rescue ZaiPayment::Errors::ApiError => e
+  puts "API error: #{e.message}"
+end
+```
+
+## Configuration
+
+The client uses the global ZaiPayment configuration:
+
+```ruby
+ZaiPayment.configure do |config|
+  config.client_id = ENV['ZAI_CLIENT_ID']
+  config.client_secret = ENV['ZAI_CLIENT_SECRET']
+  config.environment = :prelive  # or :production
+  
+  # Optional timeout configuration
+  config.timeout = 60          # Overall timeout
+  config.open_timeout = 10     # Connection timeout
+  config.read_timeout = 50     # Read timeout
+end
+```
+
+## Best Practices
+
+1. **Use Appropriate Endpoint**: Choose `:core_base` for user/item/transaction APIs, `:va_base` for virtual account APIs
+
+2. **Handle Errors Gracefully**: Always wrap API calls in error handling blocks
+
+3. **Check Response Status**: Always check `response.success?` before accessing data
+
+4. **Use Response.data**: Prefer `response.data` over `response.body` for automatic extraction
+
+5. **Follow API Conventions**: Use the same patterns as existing resource classes when building custom resources
+
+6. **Document Your Usage**: When using direct API calls, document the endpoint and expected responses
+
+7. **Consider Contributing**: If you implement a useful endpoint, consider contributing it back to the gem!
+
+## Need Help?
+
+- Check the [Zai API Documentation](https://developer.hellozai.com/)
+- Review existing resource implementations in `lib/zai_payment/resources/`
+- Open an issue on GitHub if you find a commonly-used endpoint that should be added to the gem
+
+## Example: Complete Workflow
+
+Here's a complete example workflow using direct API calls:
+
+```ruby
+require 'zai_payment'
+
+# Configure the gem
+ZaiPayment.configure do |config|
+  config.client_id = ENV['ZAI_CLIENT_ID']
+  config.client_secret = ENV['ZAI_CLIENT_SECRET']
+  config.environment = :prelive
+end
+
+# Initialize client
+client = ZaiPayment::Client.new(base_endpoint: :core_base)
+
+begin
+  # 1. Get user's wallet account
+  wallet_response = ZaiPayment.users.wallet_account('user_123')
+  wallet = wallet_response.data
+  wallet_id = wallet['id']
+  
+  puts "Wallet Balance: #{wallet['balance']} #{wallet['currency']}"
+  
+  # 2. Get wallet transactions (using direct API call)
+  transactions_response = client.get(
+    "/wallet_accounts/#{wallet_id}/transactions",
+    params: { limit: 10, offset: 0 }
+  )
+  
+  if transactions_response.success?
+    transactions = transactions_response.data
+    puts "\nRecent Transactions:"
+    transactions.each do |txn|
+      puts "- #{txn['type']}: #{txn['amount']} (#{txn['state']})"
+    end
+  end
+  
+  # 3. Get NPP details (using direct API call)
+  npp_response = client.get("/wallet_accounts/#{wallet_id}/npp_details")
+  
+  if npp_response.success?
+    npp = npp_response.data
+    puts "\nNPP Details:"
+    puts "PayID: #{npp['pay_id']}"
+    puts "Status: #{npp['status']}"
+  end
+  
+  # 4. Create a virtual account (using direct API call)
+  virtual_response = client.post(
+    "/wallet_accounts/#{wallet_id}/virtual_accounts",
+    body: {
+      account_name: "My Virtual Account",
+      nickname: "savings"
+    }
+  )
+  
+  if virtual_response.success?
+    virtual = virtual_response.data
+    puts "\nVirtual Account Created!"
+    puts "Account Number: #{virtual['account_number']}"
+    puts "BSB: #{virtual['bsb']}"
+  end
+  
+rescue ZaiPayment::Errors::NotFoundError => e
+  puts "Resource not found: #{e.message}"
+rescue ZaiPayment::Errors::ApiError => e
+  puts "API error: #{e.message}"
+end
+```
+
+This guide should help you call any Zai API endpoint, even if it hasn't been implemented in the gem yet!
+

data/docs/users.md

@@ -168,12 +168,51 @@ Show the user's wallet account using a given user ID.
 ```ruby
 response = ZaiPayment.users.wallet_account('user_id')
 
+# Access wallet account details (automatically extracted from response)
 wallet = response.data
-puts wallet['id']
-puts wallet['balance']
-puts wallet['currency']
+puts "Wallet Account ID: #{wallet['id']}"
+puts "Active: #{wallet['active']}"
+puts "Balance: #{wallet['balance']}"
+puts "Currency: #{wallet['currency']}"
+puts "Created At: #{wallet['created_at']}"
+puts "Updated At: #{wallet['updated_at']}"
+
+# Access related resource links
+puts "Self URL: #{wallet['links']['self']}"
+puts "Users URL: #{wallet['links']['users']}"
+puts "Batch Transactions URL: #{wallet['links']['batch_transactions']}"
+puts "Transactions URL: #{wallet['links']['transactions']}"
+puts "BPay Details URL: #{wallet['links']['bpay_details']}"
+puts "NPP Details URL: #{wallet['links']['npp_details']}"
+puts "Virtual Accounts URL: #{wallet['links']['virtual_accounts']}"
 ```
 
+**Response Structure:**
+
+```ruby
+{
+  "wallet_accounts" => {
+    "id" => "5c1c6b10-4c56-0137-8cd7-0242ac110002",
+    "active" => true,
+    "created_at" => "2019-04-29T02:42:31.536Z",
+    "updated_at" => "2020-05-03T12:01:02.254Z",
+    "balance" => 663337,
+    "currency" => "AUD",
+    "links" => {
+      "self" => "/transactions/aed45af0-6f63-0138-901c-0a58a9feac03/wallet_accounts",
+      "users" => "/wallet_accounts/5c1c6b10-4c56-0137-8cd7-0242ac110002/users",
+      "batch_transactions" => "/wallet_accounts/5c1c6b10-4c56-0137-8cd7-0242ac110002/batch_transactions",
+      "transactions" => "/wallet_accounts/5c1c6b10-4c56-0137-8cd7-0242ac110002/transactions",
+      "bpay_details" => "/wallet_accounts/5c1c6b10-4c56-0137-8cd7-0242ac110002/bpay_details",
+      "npp_details" => "/wallet_accounts/5c1c6b10-4c56-0137-8cd7-0242ac110002/npp_details",
+      "virtual_accounts" => "/wallet_accounts/5c1c6b10-4c56-0137-8cd7-0242ac110002/virtual_accounts"
+    }
+  }
+}
+```
+
+**Note:** The `response.data` method automatically extracts the `wallet_accounts` object from the response, so you can access the wallet account fields directly without needing to access `response.data['wallet_accounts']`.
+
 ### List User Items
 
 Retrieve an ordered and paginated list of existing items the user is associated with.