zai_payment 2.6.1 → 2.8.0

data/lib/zai_payment/resources/virtual_account.rb

@@ -0,0 +1,212 @@
+# frozen_string_literal: true
+
+module ZaiPayment
+  module Resources
+    # VirtualAccount resource for managing Zai virtual accounts
+    #
+    # @see https://developer.hellozai.com/reference/createvirtualaccount
+    class VirtualAccount
+      attr_reader :client
+
+      # Map of attribute keys to API field names for create
+      CREATE_FIELD_MAPPING = {
+        account_name: :account_name,
+        aka_names: :aka_names
+      }.freeze
+
+      def initialize(client: nil)
+        @client = client || Client.new(base_endpoint: :va_base)
+      end
+
+      # List Virtual Accounts for a given Wallet Account
+      #
+      # @param wallet_account_id [String] the wallet account ID
+      # @return [Response] the API response containing array of virtual accounts
+      #
+      # @example List virtual accounts
+      #   virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+      #   response = virtual_accounts.list('ae07556e-22ef-11eb-adc1-0242ac120002')
+      #   response.data # => [{"id" => "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee", ...}, ...]
+      #   response.meta # => {"total" => 2}
+      #
+      # @see https://developer.hellozai.com/reference
+      def list(wallet_account_id)
+        validate_id!(wallet_account_id, 'wallet_account_id')
+        client.get("/wallet_accounts/#{wallet_account_id}/virtual_accounts")
+      end
+
+      # Show a specific Virtual Account
+      #
+      # @param virtual_account_id [String] the virtual account ID
+      # @return [Response] the API response containing virtual account details
+      #
+      # @example Get virtual account details
+      #   virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+      #   response = virtual_accounts.show('46deb476-c1a6-41eb-8eb7-26a695bbe5bc')
+      #   response.data # => {"id" => "46deb476-c1a6-41eb-8eb7-26a695bbe5bc", ...}
+      #
+      # @see https://developer.hellozai.com/reference/showvirtualaccount
+      def show(virtual_account_id)
+        validate_id!(virtual_account_id, 'virtual_account_id')
+        client.get("/virtual_accounts/#{virtual_account_id}")
+      end
+
+      # Create a Virtual Account for a given Wallet Account
+      #
+      # @param wallet_account_id [String] the wallet account ID
+      # @param attributes [Hash] virtual account attributes
+      # @option attributes [String] :account_name A name given for the Virtual Account (max 140 chars)
+      # @option attributes [Array<String>] :aka_names A list of AKA Names (0 to 3 items)
+      # @return [Response] the API response containing virtual account details
+      #
+      # @example Create a virtual account
+      #   virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+      #   response = virtual_accounts.create(
+      #     'ae07556e-22ef-11eb-adc1-0242ac120002',
+      #     account_name: 'Real Estate Agency X',
+      #     aka_names: ['Realestate agency X']
+      #   )
+      #   response.data # => {"id" => "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee", ...}
+      #
+      # @see https://developer.hellozai.com/reference/listvirtualaccountbywalletaccount
+      def create(wallet_account_id, **attributes)
+        validate_id!(wallet_account_id, 'wallet_account_id')
+        validate_create_attributes!(attributes)
+
+        body = build_create_body(attributes)
+        client.post("/wallet_accounts/#{wallet_account_id}/virtual_accounts", body: body)
+      end
+
+      # Update AKA Names for a Virtual Account
+      #
+      # Replace the list of AKA Names for a Virtual Account. This completely replaces
+      # the existing AKA names with the new list provided.
+      #
+      # @param virtual_account_id [String] the virtual account ID
+      # @param aka_names [Array<String>] array of AKA names (0 to 3 items)
+      # @return [Response] the API response containing updated virtual account details
+      #
+      # @example Update AKA names
+      #   virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+      #   response = virtual_accounts.update_aka_names(
+      #     '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+      #     ['New Name 1', 'New Name 2']
+      #   )
+      #   response.data # => {"id" => "46deb476-c1a6-41eb-8eb7-26a695bbe5bc", ...}
+      #
+      # @see https://developer.hellozai.com/reference/updatevirtualaccountakaname
+      def update_aka_names(virtual_account_id, aka_names)
+        validate_id!(virtual_account_id, 'virtual_account_id')
+        validate_aka_names!(aka_names)
+
+        body = { aka_names: aka_names }
+        client.patch("/virtual_accounts/#{virtual_account_id}/aka_names", body: body)
+      end
+
+      # Update Account Name for a Virtual Account
+      #
+      # Change the name of a Virtual Account. This is used in CoP lookups.
+      #
+      # @param virtual_account_id [String] the virtual account ID
+      # @param account_name [String] the new account name (max 140 characters)
+      # @return [Response] the API response containing updated virtual account details
+      #
+      # @example Update account name
+      #   virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+      #   response = virtual_accounts.update_account_name(
+      #     '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+      #     'New Real Estate Agency Name'
+      #   )
+      #   response.data # => {"id" => "46deb476-c1a6-41eb-8eb7-26a695bbe5bc", ...}
+      #
+      # @see https://developer.hellozai.com/reference/updatevirtualaccountaccountname
+      def update_account_name(virtual_account_id, account_name)
+        validate_id!(virtual_account_id, 'virtual_account_id')
+        validate_account_name!(account_name)
+
+        body = { account_name: account_name }
+        client.patch("/virtual_accounts/#{virtual_account_id}/account_name", body: body)
+      end
+
+      # Update Status for a Virtual Account
+      #
+      # Close a Virtual Account. Once closed, the account cannot be reopened and will
+      # no longer be able to receive payments. This operation is asynchronous and returns
+      # a 202 Accepted response.
+      #
+      # @param virtual_account_id [String] the virtual account ID
+      # @param status [String] the new status (must be 'closed')
+      # @return [Response] the API response containing the operation status
+      #
+      # @example Close a virtual account
+      #   virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+      #   response = virtual_accounts.update_status(
+      #     '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+      #     'closed'
+      #   )
+      #   response.data # => {"id" => "46deb476-c1a6-41eb-8eb7-26a695bbe5bc", "message" => "...", ...}
+      #
+      # @see https://developer.hellozai.com/reference/updatevirtualaccount
+      def update_status(virtual_account_id, status)
+        validate_id!(virtual_account_id, 'virtual_account_id')
+        validate_status!(status)
+
+        body = { status: status }
+        client.patch("/virtual_accounts/#{virtual_account_id}/status", body: body)
+      end
+
+      private
+
+      def validate_id!(value, field_name)
+        return unless value.nil? || value.to_s.strip.empty?
+
+        raise Errors::ValidationError, "#{field_name} is required and cannot be blank"
+      end
+
+      def validate_create_attributes!(attributes)
+        # Only validate if attributes are actually provided (not nil)
+        validate_account_name!(attributes[:account_name]) if attributes.key?(:account_name)
+        validate_aka_names!(attributes[:aka_names]) if attributes.key?(:aka_names)
+      end
+
+      def validate_account_name!(account_name)
+        if account_name.nil? || account_name.to_s.strip.empty?
+          raise Errors::ValidationError, 'account_name cannot be blank'
+        end
+
+        return unless account_name.to_s.length > 140
+
+        raise Errors::ValidationError, 'account_name must be 140 characters or less'
+      end
+
+      def validate_aka_names!(aka_names)
+        raise Errors::ValidationError, 'aka_names must be an array' unless aka_names.is_a?(Array)
+
+        return unless aka_names.length > 3
+
+        raise Errors::ValidationError, 'aka_names must contain between 0 and 3 items'
+      end
+
+      def validate_status!(status)
+        raise Errors::ValidationError, 'status cannot be blank' if status.nil? || status.to_s.strip.empty?
+
+        return if status.to_s == 'closed'
+
+        raise Errors::ValidationError, "status must be 'closed', got '#{status}'"
+      end
+
+      def build_create_body(attributes)
+        body = {}
+
+        attributes.each do |key, value|
+          next if value.nil? || (value.respond_to?(:empty?) && value.empty?)
+
+          api_field = CREATE_FIELD_MAPPING[key]
+          body[api_field] = value if api_field
+        end
+
+        body
+      end
+    end
+  end
+end

data/lib/zai_payment/resources/wallet_account.rb

@@ -0,0 +1,176 @@
+# frozen_string_literal: true
+
+module ZaiPayment
+  module Resources
+    # WalletAccount resource for managing Zai wallet accounts
+    #
+    # @see https://developer.hellozai.com/reference
+    class WalletAccount
+      attr_reader :client
+
+      # Map of attribute keys to API field names for pay_bill
+      PAY_BILL_FIELD_MAPPING = {
+        account_id: :account_id,
+        amount: :amount,
+        reference_id: :reference_id
+      }.freeze
+
+      def initialize(client: nil)
+        @client = client || Client.new
+      end
+
+      # Get a specific wallet account by ID
+      #
+      # @param wallet_account_id [String] the wallet account ID
+      # @return [Response] the API response containing wallet account details
+      #
+      # @example
+      #   wallet_accounts = ZaiPayment::Resources::WalletAccount.new
+      #   response = wallet_accounts.show("wallet_account_id")
+      #   response.data # => {"id" => "wallet_account_id", "active" => true, ...}
+      #
+      # @see https://developer.hellozai.com/reference
+      def show(wallet_account_id)
+        validate_id!(wallet_account_id, 'wallet_account_id')
+        client.get("/wallet_accounts/#{wallet_account_id}")
+      end
+
+      # Get the user associated with a Wallet Account
+      #
+      # Show the User the Wallet Account is associated with using a given wallet_account_id.
+      #
+      # @param wallet_account_id [String] the wallet account ID
+      # @return [Response] the API response containing user details
+      #
+      # @example
+      #   wallet_accounts = ZaiPayment::Resources::WalletAccount.new
+      #   response = wallet_accounts.show_user("wallet_account_id")
+      #   response.data # => {"id" => "user_id", "full_name" => "Samuel Seller", ...}
+      #
+      # @see https://developer.hellozai.com/reference
+      def show_user(wallet_account_id)
+        validate_id!(wallet_account_id, 'wallet_account_id')
+        client.get("/wallet_accounts/#{wallet_account_id}/users")
+      end
+
+      # Get NPP details for a Wallet Account
+      #
+      # Show NPP details of a specific Wallet Account using a given wallet_account_id.
+      # NPP (New Payments Platform) details include PayID and payment reference information.
+      #
+      # @param wallet_account_id [String] the wallet account ID
+      # @return [Response] the API response containing NPP details
+      #
+      # @example
+      #   wallet_accounts = ZaiPayment::Resources::WalletAccount.new
+      #   response = wallet_accounts.show_npp_details("wallet_account_id")
+      #   response.data # => {"id" => "wallet_account_id", "npp_details" => {...}}
+      #
+      # @see https://developer.hellozai.com/reference
+      def show_npp_details(wallet_account_id)
+        validate_id!(wallet_account_id, 'wallet_account_id')
+        client.get("/wallet_accounts/#{wallet_account_id}/npp_details")
+      end
+
+      # Get BPay details for a Wallet Account
+      #
+      # Show BPay details of a specific Wallet Account using a given wallet_account_id.
+      # BPay details include biller code, reference, and amount information.
+      #
+      # @param wallet_account_id [String] the wallet account ID
+      # @return [Response] the API response containing BPay details
+      #
+      # @example
+      #   wallet_accounts = ZaiPayment::Resources::WalletAccount.new
+      #   response = wallet_accounts.show_bpay_details("wallet_account_id")
+      #   response.data # => {"id" => "wallet_account_id", "bpay_details" => {...}}
+      #
+      # @see https://developer.hellozai.com/reference
+      def show_bpay_details(wallet_account_id)
+        validate_id!(wallet_account_id, 'wallet_account_id')
+        client.get("/wallet_accounts/#{wallet_account_id}/bpay_details")
+      end
+
+      # Pay a bill by withdrawing funds from a Wallet Account to a specified BPay account
+      #
+      # @param wallet_account_id [String] the wallet account ID
+      # @param attributes [Hash] bill payment attributes
+      # @option attributes [String] :account_id (Required) BPay account ID to withdraw to
+      # @option attributes [Integer] :amount (Required) Amount in cents to withdraw
+      # @option attributes [String] :reference_id Optional unique reference information
+      # @return [Response] the API response containing disbursement details
+      #
+      # @example Pay a bill
+      #   wallet_accounts = ZaiPayment::Resources::WalletAccount.new
+      #   response = wallet_accounts.pay_bill(
+      #     '901d8cd0-6af3-0138-967d-0a58a9feac04',
+      #     account_id: 'c1824ad0-73f1-0138-3700-0a58a9feac09',
+      #     amount: 173,
+      #     reference_id: 'test100'
+      #   )
+      #
+      # @see https://developer.hellozai.com/reference
+      def pay_bill(wallet_account_id, **attributes)
+        validate_id!(wallet_account_id, 'wallet_account_id')
+        validate_pay_bill_attributes!(attributes)
+
+        body = build_pay_bill_body(attributes)
+        client.post("/wallet_accounts/#{wallet_account_id}/bill_payment", body: body)
+      end
+
+      private
+
+      def validate_id!(value, field_name)
+        return unless value.nil? || value.to_s.strip.empty?
+
+        raise Errors::ValidationError, "#{field_name} is required and cannot be blank"
+      end
+
+      def validate_pay_bill_attributes!(attributes)
+        validate_required_pay_bill_attributes!(attributes)
+        validate_amount!(attributes[:amount]) if attributes[:amount]
+        validate_reference_id!(attributes[:reference_id]) if attributes[:reference_id]
+      end
+
+      def validate_required_pay_bill_attributes!(attributes)
+        required_fields = %i[account_id amount]
+
+        missing_fields = required_fields.select do |field|
+          attributes[field].nil? || (attributes[field].respond_to?(:to_s) && attributes[field].to_s.strip.empty?)
+        end
+
+        return if missing_fields.empty?
+
+        raise Errors::ValidationError,
+              "Missing required fields: #{missing_fields.join(', ')}"
+      end
+
+      def validate_amount!(amount)
+        # Amount must be a positive integer
+        return if amount.is_a?(Integer) && amount.positive?
+
+        raise Errors::ValidationError, 'amount must be a positive integer'
+      end
+
+      def validate_reference_id!(reference_id)
+        # Reference ID cannot contain single quote character
+        return unless reference_id.to_s.include?("'")
+
+        raise Errors::ValidationError, "reference_id cannot contain single quote (') character"
+      end
+
+      def build_pay_bill_body(attributes)
+        body = {}
+
+        attributes.each do |key, value|
+          next if value.nil? || (value.respond_to?(:empty?) && value.empty?)
+
+          api_field = PAY_BILL_FIELD_MAPPING[key]
+          body[api_field] = value if api_field
+        end
+
+        body
+      end
+    end
+  end
+end

data/lib/zai_payment/response.rb

@@ -7,8 +7,8 @@ module ZaiPayment
 
     RESPONSE_DATA_KEYS = %w[
       webhooks users items fees transactions
-      batch_transactions bpay_accounts bank_accounts card_accounts
-      wallet_accounts routing_number
+      batch_transactions batches bpay_accounts bank_accounts card_accounts
+      wallet_accounts virtual_accounts routing_number disbursements pay_ids
     ].freeze
 
     def initialize(faraday_response)

data/lib/zai_payment/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module ZaiPayment
-  VERSION = '2.6.1'
+  VERSION = '2.8.0'
 end

data/lib/zai_payment.rb

@@ -16,6 +16,10 @@ require_relative 'zai_payment/resources/item'
 require_relative 'zai_payment/resources/token_auth'
 require_relative 'zai_payment/resources/bank_account'
 require_relative 'zai_payment/resources/bpay_account'
+require_relative 'zai_payment/resources/batch_transaction'
+require_relative 'zai_payment/resources/wallet_account'
+require_relative 'zai_payment/resources/virtual_account'
+require_relative 'zai_payment/resources/pay_id'
 
 module ZaiPayment
   class << self
@@ -69,5 +73,25 @@ module ZaiPayment
     def bpay_accounts
       @bpay_accounts ||= Resources::BpayAccount.new(client: Client.new(base_endpoint: :core_base))
     end
+
+    # @return [ZaiPayment::Resources::BatchTransaction] batch_transaction resource instance (prelive only)
+    def batch_transactions
+      @batch_transactions ||= Resources::BatchTransaction.new(client: Client.new(base_endpoint: :core_base))
+    end
+
+    # @return [ZaiPayment::Resources::WalletAccount] wallet_account resource instance
+    def wallet_accounts
+      @wallet_accounts ||= Resources::WalletAccount.new(client: Client.new(base_endpoint: :core_base))
+    end
+
+    # @return [ZaiPayment::Resources::VirtualAccount] virtual_account resource instance
+    def virtual_accounts
+      @virtual_accounts ||= Resources::VirtualAccount.new
+    end
+
+    # @return [ZaiPayment::Resources::PayId] pay_id resource instance
+    def pay_ids
+      @pay_ids ||= Resources::PayId.new
+    end
   end
 end

data/readme.md

@@ -22,8 +22,13 @@ A lightweight and extensible Ruby client for the **Zai (AssemblyPay)** API — s
 - 👥 **User Management** - Create and manage payin (buyers) & payout (sellers) users  
 - 📦 **Item Management** - Full CRUD for transactions/payments between buyers and sellers  
 - 🏦 **Bank Account Management** - Complete CRUD + validation for AU/UK bank accounts  
+- 💳 **BPay Account Management** - Manage BPay accounts for Australian bill payments  
+- 💼 **Wallet Account Management** - Show wallet accounts, check balances, and pay bills via BPay  
+- 🏦 **Virtual Accounts** - Complete virtual account management with PayTo and BPay support  
+- 💳 **PayID Management** - Create and manage PayIDs for Australian NPP payments  
 - 🎫 **Token Auth** - Generate secure tokens for bank and card account data collection  
 - 🪝 **Webhooks** - Full CRUD + secure signature verification (HMAC SHA256)  
+- 🧪 **Batch Transactions** - Prelive-only endpoints for testing batch transaction flows  
 - ⚙️ **Environment-Aware** - Seamless Pre-live / Production switching  
 - 🧱 **Modular & Extensible** - Clean resource-based architecture  
 - 🧰 **Zero Heavy Dependencies** - Lightweight, fast, and reliable  
@@ -115,6 +120,65 @@ Manage bank accounts for Australian and UK users, with routing number validation
 - 💡 [Bank Account Examples](examples/bank_accounts.md) - Real-world patterns and integration
 - 🔗 [Zai: Bank Accounts API Reference](https://developer.hellozai.com/reference/showbankaccount)
 
+### BPay Accounts
+
+Manage BPay accounts for Australian bill payments.
+
+**📚 Documentation:**
+- 📖 [BPay Account Management Guide](docs/bpay_accounts.md) - Complete guide for BPay accounts
+- 💡 [BPay Account Examples](examples/bpay_accounts.md) - Real-world patterns and bill payment workflows
+- 🔗 [Zai: BPay Accounts API Reference](https://developer.hellozai.com/reference/createbpayaccount)
+
+### Wallet Accounts
+
+Manage wallet accounts, check balances, and pay bills via BPay.
+
+**📚 Documentation:**
+- 📖 [Wallet Account Management Guide](docs/wallet_accounts.md) - Complete guide for wallet accounts
+- 💡 [Wallet Account Examples](examples/wallet_accounts.md) - Real-world patterns and payment workflows
+- 🔗 [Zai: Wallet Accounts API Reference](https://developer.hellozai.com/reference)
+
+**Quick Example:**
+```ruby
+wallet_accounts = ZaiPayment::Resources::WalletAccount.new
+
+# Check wallet balance
+response = wallet_accounts.show('wallet_account_id')
+balance = response.data['balance']  # in cents
+puts "Balance: $#{balance / 100.0}"
+
+# Pay a bill from wallet to BPay account
+payment_response = wallet_accounts.pay_bill(
+  'wallet_account_id',
+  account_id: 'bpay_account_id',
+  amount: 17300,  # $173.00 in cents
+  reference_id: 'bill_nov_2024'
+)
+
+if payment_response.success?
+  disbursement = payment_response.data
+  puts "Payment successful: #{disbursement['id']}"
+  puts "State: #{disbursement['state']}"
+end
+```
+
+### Virtual Accounts
+
+Manage virtual accounts with support for AKA names and Confirmation of Payee (CoP) lookups.
+
+**📚 Documentation:**
+- 📖 [Virtual Account Management Guide](docs/virtual_accounts.md) - Complete guide for virtual accounts
+- 💡 [Virtual Account Examples](examples/virtual_accounts.md) - Real-world patterns and workflows
+- 🔗 [Zai: Virtual Accounts API Reference](https://developer.hellozai.com/reference/overview-va)
+
+### PayID
+
+Register and manage PayIDs (EMAIL type) for Australian NPP (New Payments Platform) payments.
+
+**📚 Documentation:**
+- 📖 [PayID Management Guide](docs/pay_ids.md) - Complete guide for PayID registration
+- 💡 [PayID Examples](examples/pay_ids.md) - Real-world patterns and workflows
+
 ### Token Auth
 
 Generate secure tokens for collecting bank and card account information.
@@ -133,6 +197,35 @@ Manage webhook endpoints with secure signature verification.
 - 🏗️ [Architecture & Implementation](docs/webhooks.md) - Detailed technical documentation
 - 🔐 [Signature Verification Details](docs/webhook_signature.md) - Security implementation specs
 
+### Batch Transactions (Prelive Only)
+
+Simulate batch transaction processing for testing in the prelive environment.
+
+**📚 Documentation:**
+- 📖 [Batch Transaction Guide](docs/batch_transactions.md) - Complete guide and method reference
+- 💡 [Batch Transaction Examples](examples/batch_transactions.md) - Testing workflows and webhook simulation
+- ⚠️ **Note:** These endpoints are only available in prelive environment
+
+**Quick Example:**
+```ruby
+# Export pending transactions to batched state
+export_response = ZaiPayment.batch_transactions.export_transactions
+batch_id = export_response.data.first['batch_id']
+transaction_ids = export_response.data.map { |t| t['id'] }
+
+# Move to bank_processing state
+ZaiPayment.batch_transactions.process_to_bank_processing(
+  batch_id,
+  exported_ids: transaction_ids
+)
+
+# Complete processing (triggers webhooks)
+ZaiPayment.batch_transactions.process_to_successful(
+  batch_id,
+  exported_ids: transaction_ids
+)
+```
+
 ### Error Handling
 
 The gem provides specific error classes for different scenarios:
@@ -167,10 +260,13 @@ end
 | ✅ Users                        | Manage PayIn / PayOut users       | Done           |
 | ✅ Items                        | Transactions/payments (CRUD)      | Done           |
 | ✅ Bank Accounts                | AU/UK bank accounts + validation  | Done           |
+| ✅ BPay Accounts                | Manage BPay accounts              | Done           |
+| ✅ Wallet Accounts              | Show, check balance, pay bills    | Done           |
 | ✅ Token Auth                   | Generate bank/card tokens         | Done           |
-| 💳 Payments                     | Single and recurring payments     | 🚧 In progress |
-| 🏦 Virtual Accounts (VA / PIPU) | Manage virtual accounts & PayTo   | ⏳ Planned      |
-| 💼 Wallets                      | Create and manage wallet accounts | ⏳ Planned      |
+| ✅ Batch Transactions (Prelive) | Simulate batch processing flows   | Done           |
+| ✅ Payments                     | Single and recurring payments     | Done           |
+| ✅ Virtual Accounts             | Manage virtual accounts & PayTo   | Done           |
+| ✅ PayID                        | Create and manage PayIDs          | Done           |
 
 ## 🧪 Development
 
@@ -227,6 +323,10 @@ Everyone interacting in the ZaiPayment project's codebases, issue trackers, chat
 - [**User Management Guide**](docs/users.md) - Managing payin and payout users
 - [**Item Management Guide**](docs/items.md) - Creating and managing transactions/payments
 - [**Bank Account Guide**](docs/bank_accounts.md) - Managing bank accounts for AU/UK users
+- [**BPay Account Guide**](docs/bpay_accounts.md) - Managing BPay accounts for Australian bill payments
+- [**Wallet Account Guide**](docs/wallet_accounts.md) - Managing wallet accounts, checking balances, and paying bills
+- [**Virtual Account Guide**](docs/virtual_accounts.md) - Managing virtual accounts with PayTo and BPay support
+- [**PayID Guide**](docs/pay_ids.md) - Creating and managing PayIDs for Australian NPP payments
 - [**Webhook Examples**](examples/webhooks.md) - Complete webhook usage guide
 - [**Documentation Index**](docs/readme.md) - Full documentation navigation
 
@@ -234,12 +334,18 @@ Everyone interacting in the ZaiPayment project's codebases, issue trackers, chat
 - [User Examples](examples/users.md) - Real-world user management patterns
 - [Item Examples](examples/items.md) - Transaction and payment workflows
 - [Bank Account Examples](examples/bank_accounts.md) - Bank account integration patterns
+- [BPay Account Examples](examples/bpay_accounts.md) - BPay account integration patterns
+- [Wallet Account Examples](examples/wallet_accounts.md) - Wallet account and bill payment workflows
+- [Virtual Account Examples](examples/virtual_accounts.md) - Virtual account management and PayTo workflows
+- [PayID Examples](examples/pay_ids.md) - PayID creation and management workflows
 - [Token Auth Examples](examples/token_auths.md) - Secure token generation and integration
 - [Webhook Examples](examples/webhooks.md) - Webhook integration patterns
+- [Batch Transaction Examples](examples/batch_transactions.md) - Testing batch transaction flows (prelive only)
 
 ### Technical Guides
 - [Webhook Architecture](docs/webhooks.md) - Technical implementation details
 - [Architecture Overview](docs/architecture.md) - System architecture and design
+- [**Direct API Usage Guide**](docs/direct_api_usage.md) - 🔥 How to call unimplemented APIs directly
 
 ### Security
 - [Webhook Security Quick Start](docs/webhook_security_quickstart.md) - 5-minute setup guide

metadata

@@ -1,7 +1,7 @@
 --- !ruby/object:Gem::Specification
 name: zai_payment
 version: !ruby/object:Gem::Version
-  version: 2.6.1
+  version: 2.8.0
 platform: ruby
 authors:
 - Eddy Jaga
@@ -59,7 +59,9 @@ extensions: []
 extra_rdoc_files: []
 files:
 - ".yardopts"
+- IMPLEMENTATION_SUMMARY.md
 - LICENSE.txt
+- RESPONSE_FORMAT_CORRECTION.md
 - Rakefile
 - badges/.gitkeep
 - badges/coverage.json
@@ -69,22 +71,31 @@ files:
 - docs/architecture.md
 - docs/authentication.md
 - docs/bank_accounts.md
+- docs/batch_transactions.md
 - docs/bpay_accounts.md
+- docs/direct_api_usage.md
 - docs/items.md
+- docs/pay_ids.md
 - docs/readme.md
 - docs/token_auths.md
 - docs/user_id_field.md
 - docs/user_quick_reference.md
 - docs/users.md
+- docs/virtual_accounts.md
+- docs/wallet_accounts.md
 - docs/webhook_security_quickstart.md
 - docs/webhook_signature.md
 - docs/webhooks.md
 - examples/bank_accounts.md
+- examples/batch_transactions.md
 - examples/bpay_accounts.md
 - examples/items.md
+- examples/pay_ids.md
 - examples/rails_card_payment.md
 - examples/token_auths.md
 - examples/users.md
+- examples/virtual_accounts.md
+- examples/wallet_accounts.md
 - examples/webhooks.md
 - lib/zai_payment.rb
 - lib/zai_payment/auth/token_provider.rb
@@ -94,10 +105,14 @@ files:
 - lib/zai_payment/config.rb
 - lib/zai_payment/errors.rb
 - lib/zai_payment/resources/bank_account.rb
+- lib/zai_payment/resources/batch_transaction.rb
 - lib/zai_payment/resources/bpay_account.rb
 - lib/zai_payment/resources/item.rb
+- lib/zai_payment/resources/pay_id.rb
 - lib/zai_payment/resources/token_auth.rb
 - lib/zai_payment/resources/user.rb
+- lib/zai_payment/resources/virtual_account.rb
+- lib/zai_payment/resources/wallet_account.rb
 - lib/zai_payment/resources/webhook.rb
 - lib/zai_payment/response.rb
 - lib/zai_payment/version.rb