zai_payment 2.7.0 → 2.8.1

data/docs/pay_ids.md

@@ -0,0 +1,777 @@
+# PayID Management
+
+The PayId resource provides methods for registering and managing Zai PayIDs for virtual accounts.
+
+## Overview
+
+PayIDs are easy-to-remember identifiers (like email addresses) that can be used instead of BSB and account numbers for receiving payments in Australia's New Payments Platform (NPP). They provide a more user-friendly way for customers to make payments.
+
+PayIDs are particularly useful for:
+- Simplifying payment collection with memorable identifiers
+- Enabling fast payments through the New Payments Platform
+- Providing customers with an alternative to BSB and account numbers
+- Enhancing user experience with familiar email-based identifiers
+
+## Key Features
+
+- **Email-based PayIDs**: Register email addresses as payment identifiers
+- **Linked to Virtual Accounts**: Each PayID is associated with a virtual account
+- **Status Tracking**: Monitor PayID status (pending_activation, active, etc.)
+- **Secure Registration**: Validated registration process with proper error handling
+
+## References
+
+- [PayID API](https://developer.hellozai.com/reference/registerpayid)
+- [Zai API Documentation](https://developer.hellozai.com/docs)
+
+## Usage
+
+### Initialize the PayId Resource
+
+```ruby
+# Using a new instance
+pay_ids = ZaiPayment::Resources::PayId.new
+
+# Or use with custom client
+client = ZaiPayment::Client.new(base_endpoint: :va_base)
+pay_ids = ZaiPayment::Resources::PayId.new(client: client)
+```
+
+## Methods
+
+### Register PayID
+
+Register a PayID for a given Virtual Account. This creates a PayID that customers can use to send payments to the virtual account.
+
+#### Parameters
+
+- `virtual_account_id` (required) - The virtual account ID
+- `pay_id` (required) - The PayID being registered (max 256 characters)
+- `type` (required) - The type of PayID (currently only 'EMAIL' is supported)
+- `details` (required) - Hash containing additional details:
+  - `pay_id_name` (optional) - Name to identify the entity (1-140 characters)
+  - `owner_legal_name` (optional) - Full legal account name (1-140 characters)
+
+#### Example
+
+```ruby
+# Register an EMAIL PayID
+pay_ids = ZaiPayment::Resources::PayId.new
+
+response = pay_ids.create(
+  '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+  pay_id: 'jsmith@mydomain.com',
+  type: 'EMAIL',
+  details: {
+    pay_id_name: 'J Smith',
+    owner_legal_name: 'Mr John Smith'
+  }
+)
+
+# Access PayID details
+if response.success?
+  pay_id = response.data
+  
+  puts "PayID: #{pay_id['pay_id']}"
+  puts "Type: #{pay_id['type']}"
+  puts "Status: #{pay_id['status']}"
+  puts "PayID Name: #{pay_id['details']['pay_id_name']}"
+  puts "Owner Legal Name: #{pay_id['details']['owner_legal_name']}"
+end
+```
+
+#### Response
+
+```ruby
+{
+  "pay_ids" => {
+    "id" => "46deb476-c1a6-41eb-8eb7-26a695bbe5bc",
+    "pay_id" => "jsmith@mydomain.com",
+    "type" => "EMAIL",
+    "status" => "pending_activation",
+    "created_at" => "2020-04-27T20:28:22.378Z",
+    "updated_at" => "2020-04-27T20:28:22.378Z",
+    "details" => {
+      "pay_id_name" => "J Smith",
+      "owner_legal_name" => "Mr John Smith"
+    },
+    "links" => {
+      "self" => "/pay_ids/46deb476-c1a6-41eb-8eb7-26a695bbe5bc",
+      "virtual_accounts" => "/virtual_accounts/46deb476-c1a6-41eb-8eb7-26a695bbe5bc"
+    }
+  }
+}
+```
+
+**Response Fields:**
+
+| Field | Type | Description |
+|-------|------|-------------|
+| `id` | String | Unique identifier for the PayID |
+| `pay_id` | String | The registered PayID (email address) |
+| `type` | String | Type of PayID (e.g., "EMAIL") |
+| `status` | String | PayID status (pending_activation, active, etc.) |
+| `created_at` | String | ISO 8601 timestamp of creation |
+| `updated_at` | String | ISO 8601 timestamp of last update |
+| `details` | Hash | Additional PayID details |
+| `details.pay_id_name` | String | Name to identify the entity |
+| `details.owner_legal_name` | String | Full legal account name |
+| `links` | Hash | Related resource links |
+| `links.self` | String | URL to the PayID resource |
+| `links.virtual_accounts` | String | URL to the associated virtual account |
+
+**Use Cases:**
+
+- Register PayIDs for easy customer payments
+- Enable NPP fast payments
+- Provide user-friendly payment identifiers
+- Link email addresses to virtual accounts for payment collection
+- Set up payment collection for businesses and individuals
+
+### Show PayID
+
+Show details of a specific PayID using the given PayID ID.
+
+#### Parameters
+
+- `pay_id_id` (required) - The PayID ID
+
+#### Example
+
+```ruby
+# Get specific PayID details
+pay_ids = ZaiPayment::Resources::PayId.new
+response = pay_ids.show('46deb476-c1a6-41eb-8eb7-26a695bbe5bc')
+
+# Access PayID details
+if response.success?
+  pay_id = response.data
+  
+  puts "PayID: #{pay_id['pay_id']}"
+  puts "Type: #{pay_id['type']}"
+  puts "Status: #{pay_id['status']}"
+  puts "PayID Name: #{pay_id['details']['pay_id_name']}"
+  puts "Owner Legal Name: #{pay_id['details']['owner_legal_name']}"
+end
+```
+
+#### Response
+
+```ruby
+{
+  "pay_ids" => {
+    "id" => "46deb476-c1a6-41eb-8eb7-26a695bbe5bc",
+    "pay_id" => "jsmith@mydomain.com",
+    "type" => "EMAIL",
+    "status" => "active",
+    "created_at" => "2020-04-27T20:28:22.378Z",
+    "updated_at" => "2020-04-27T20:28:22.378Z",
+    "details" => {
+      "pay_id_name" => "J Smith",
+      "owner_legal_name" => "Mr John Smith"
+    },
+    "links" => {
+      "self" => "/pay_ids/46deb476-c1a6-41eb-8eb7-26a695bbe5bc",
+      "virtual_accounts" => "/virtual_accounts/46deb476-c1a6-41eb-8eb7-26a695bbe5bc"
+    }
+  }
+}
+```
+
+**Response Fields:**
+
+The response contains a single PayID object with the same fields as described in the Register PayID section.
+
+**Use Cases:**
+
+- Verify PayID details before using
+- Check PayID status
+- Retrieve PayID information for display to users
+- Audit PayID configurations
+- Validate PayID information
+- Monitor PayID updates
+
+### Update PayID Status
+
+Update the status of a PayID. Currently, this endpoint only supports deregistering PayIDs by setting the status to 'deregistered'. This is an asynchronous operation that returns a 202 Accepted response.
+
+**Important:** Once a PayID is deregistered, it cannot be re-registered to the same virtual account.
+
+#### Parameters
+
+- `pay_id_id` (required) - The PayID ID
+- `status` (required) - The new status (must be 'deregistered')
+
+#### Example
+
+```ruby
+# Deregister a PayID
+pay_ids = ZaiPayment::Resources::PayId.new
+
+response = pay_ids.update_status(
+  '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+  'deregistered'
+)
+
+# Check the response
+if response.success?
+  puts "PayID deregistration initiated"
+  puts "ID: #{response.data['id']}"
+  puts "Message: #{response.data['message']}"
+  puts "Link: #{response.data['links']['self']}"
+end
+```
+
+#### Response
+
+```ruby
+{
+  "id" => "46deb476-c1a6-41eb-8eb7-26a695bbe5bc",
+  "message" => "PayID deregistration has been accepted for processing",
+  "links" => {
+    "self" => "/pay_ids/46deb476-c1a6-41eb-8eb7-26a695bbe5bc"
+  }
+}
+```
+
+**Response Fields:**
+
+| Field | Type | Description |
+|-------|------|-------------|
+| `id` | String | The PayID ID |
+| `message` | String | Confirmation message about the status update |
+| `links` | Hash | Related resource links |
+| `links.self` | String | URL to the PayID resource |
+
+**Use Cases:**
+
+- Deregister PayIDs when no longer needed
+- Remove PayID from a virtual account
+- Clean up unused payment identifiers
+- Comply with customer requests to remove their email from the system
+- Deactivate PayIDs as part of account closure
+
+**Important Notes:**
+
+- This operation returns 202 Accepted because it's processed asynchronously
+- The actual status change may take a few moments to complete
+- Only 'deregistered' is a valid status value; other values will raise a ValidationError
+- Deregistered PayIDs cannot be re-registered
+
+## Validation Rules
+
+### virtual_account_id
+
+- **Required**: Yes
+- **Type**: String (UUID)
+- **Description**: The ID of the virtual account that this PayID will be linked to. The virtual account must exist before registering a PayID.
+
+### pay_id
+
+- **Required**: Yes
+- **Type**: String
+- **Max Length**: 256 characters
+- **Description**: The PayID being registered. For EMAIL type, this should be a valid email address.
+
+### type
+
+- **Required**: Yes
+- **Type**: String (Enum)
+- **Allowed Values**: EMAIL
+- **Description**: The type of PayID being registered. Currently, only EMAIL type is supported.
+
+### details
+
+- **Required**: Yes
+- **Type**: Hash
+- **Description**: Additional details about the PayID registration.
+
+#### details.pay_id_name
+
+- **Required**: No
+- **Type**: String
+- **Length**: 1-140 characters (when provided)
+- **Description**: A name that can be used to identify the entity registering the PayID. This helps customers confirm they're sending to the right recipient.
+
+#### details.owner_legal_name
+
+- **Required**: No
+- **Type**: String
+- **Length**: 1-140 characters (when provided)
+- **Description**: The full legal account name. This is displayed to customers during payment confirmation.
+
+## Error Handling
+
+The PayId methods can raise the following errors:
+
+### ZaiPayment::Errors::ValidationError
+
+Raised when input parameters fail validation:
+
+```ruby
+begin
+  response = pay_ids.create(
+    '',  # Empty virtual_account_id
+    pay_id: 'test@example.com',
+    type: 'EMAIL',
+    details: {}
+  )
+rescue ZaiPayment::Errors::ValidationError => e
+  puts "Validation failed: #{e.message}"
+  # Output: "virtual_account_id is required and cannot be blank"
+end
+```
+
+**Common validation errors:**
+- `virtual_account_id is required and cannot be blank`
+- `pay_id is required and cannot be blank`
+- `pay_id must be 256 characters or less`
+- `type is required and cannot be blank`
+- `type must be one of: EMAIL`
+- `details is required and must be a hash`
+- `pay_id_name must be between 1 and 140 characters`
+- `owner_legal_name must be between 1 and 140 characters`
+
+### ZaiPayment::Errors::NotFoundError
+
+Raised when the virtual account doesn't exist:
+
+```ruby
+begin
+  response = pay_ids.create(
+    'invalid-virtual-account-id',
+    pay_id: 'test@example.com',
+    type: 'EMAIL',
+    details: {}
+  )
+rescue ZaiPayment::Errors::NotFoundError => e
+  puts "Not found: #{e.message}"
+end
+```
+
+### ZaiPayment::Errors::UnauthorizedError
+
+Raised when authentication fails:
+
+```ruby
+begin
+  response = pay_ids.create(
+    virtual_account_id,
+    pay_id: 'test@example.com',
+    type: 'EMAIL',
+    details: {}
+  )
+rescue ZaiPayment::Errors::UnauthorizedError => e
+  puts "Authentication failed: #{e.message}"
+  # Check your API credentials
+end
+```
+
+### ZaiPayment::Errors::BadRequestError
+
+Raised when the request is malformed or contains invalid data (e.g., PayID already registered):
+
+```ruby
+begin
+  response = pay_ids.create(
+    virtual_account_id,
+    pay_id: 'test@example.com',
+    type: 'EMAIL',
+    details: {}
+  )
+rescue ZaiPayment::Errors::BadRequestError => e
+  puts "Bad request: #{e.message}"
+  # May indicate PayID is already registered
+end
+```
+
+## Complete Example
+
+Here's a complete workflow showing how to create a virtual account and register a PayID with proper error handling:
+
+```ruby
+require 'zai_payment'
+
+# Configure ZaiPayment
+ZaiPayment.configure do |config|
+  config.environment = :prelive
+  config.client_id = ENV['ZAI_CLIENT_ID']
+  config.client_secret = ENV['ZAI_CLIENT_SECRET']
+  config.scope = ENV['ZAI_SCOPE']
+end
+
+# Initialize resources
+virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+pay_ids = ZaiPayment::Resources::PayId.new
+wallet_account_id = 'ae07556e-22ef-11eb-adc1-0242ac120002'
+
+begin
+  # Step 1: Create a Virtual Account
+  puts "Creating virtual account..."
+  
+  va_response = virtual_accounts.create(
+    wallet_account_id,
+    account_name: 'Customer Payment Account',
+    aka_names: ['Customer Account']
+  )
+  
+  if va_response.success?
+    virtual_account = va_response.data
+    virtual_account_id = virtual_account['id']
+    
+    puts "✓ Virtual Account Created"
+    puts "  ID: #{virtual_account_id}"
+    puts "  BSB: #{virtual_account['routing_number']}"
+    puts "  Account: #{virtual_account['account_number']}"
+    puts "  Status: #{virtual_account['status']}"
+    
+    # Step 2: Register PayID
+    puts "\nRegistering PayID..."
+    
+    payid_response = pay_ids.create(
+      virtual_account_id,
+      pay_id: 'customer@mybusiness.com',
+      type: 'EMAIL',
+      details: {
+        pay_id_name: 'My Business',
+        owner_legal_name: 'My Business Pty Ltd'
+      }
+    )
+    
+    if payid_response.success?
+      pay_id = payid_response.data
+      
+      puts "✓ PayID Registered Successfully!"
+      puts "─" * 60
+      puts "PayID Details:"
+      puts "  ID: #{pay_id['id']}"
+      puts "  PayID: #{pay_id['pay_id']}"
+      puts "  Type: #{pay_id['type']}"
+      puts "  Status: #{pay_id['status']}"
+      puts ""
+      puts "Payment Information:"
+      puts "  PayID Name: #{pay_id['details']['pay_id_name']}"
+      puts "  Owner Legal Name: #{pay_id['details']['owner_legal_name']}"
+      puts ""
+      puts "Customers can now send payments using:"
+      puts "  PayID: #{pay_id['pay_id']}"
+      puts "  OR"
+      puts "  BSB: #{virtual_account['routing_number']}"
+      puts "  Account: #{virtual_account['account_number']}"
+      puts "─" * 60
+      
+      # Store the details in your database for future reference
+      # YourDatabase.store_pay_id(pay_id)
+    else
+      puts "Failed to register PayID"
+    end
+  else
+    puts "Failed to create virtual account"
+  end
+
+rescue ZaiPayment::Errors::ValidationError => e
+  puts "Validation Error: #{e.message}"
+  puts "Please check your input parameters"
+  
+rescue ZaiPayment::Errors::NotFoundError => e
+  puts "Resource Not Found: #{e.message}"
+  puts "Please verify the wallet account or virtual account exists"
+  
+rescue ZaiPayment::Errors::UnauthorizedError => e
+  puts "Authentication Failed: #{e.message}"
+  puts "Please check your API credentials"
+  
+rescue ZaiPayment::Errors::BadRequestError => e
+  puts "Bad Request: #{e.message}"
+  puts "The PayID may already be registered or request is invalid"
+  
+rescue ZaiPayment::Errors::ApiError => e
+  puts "API Error: #{e.message}"
+end
+```
+
+## Configuration
+
+PayIDs use the `va_base` endpoint, which is automatically configured based on your environment:
+
+### Prelive Environment
+
+```ruby
+ZaiPayment.configure do |config|
+  config.environment = :prelive
+  # Uses: https://sandbox.au-0000.api.assemblypay.com
+end
+```
+
+### Production Environment
+
+```ruby
+ZaiPayment.configure do |config|
+  config.environment = :production
+  # Uses: https://secure.api.promisepay.com
+end
+```
+
+The PayId resource automatically uses the correct endpoint based on your configuration.
+
+## Best Practices
+
+### 1. Use Meaningful Names
+
+Use descriptive names in the details to help customers confirm the recipient:
+
+```ruby
+# Good
+details: {
+  pay_id_name: 'Acme Corporation',
+  owner_legal_name: 'Acme Corporation Pty Ltd'
+}
+
+# Avoid
+details: {
+  pay_id_name: 'Acc1',
+  owner_legal_name: 'A'
+}
+```
+
+### 2. Validate Email Format
+
+Pre-validate the email format before registration:
+
+```ruby
+def valid_email?(email)
+  email =~ /\A[\w+\-.]+@[a-z\d\-]+(\.[a-z\d\-]+)*\.[a-z]+\z/i
+end
+
+pay_id = 'customer@example.com'
+
+if valid_email?(pay_id)
+  # Proceed with registration
+else
+  puts "Invalid email format"
+end
+```
+
+### 3. Store PayID Details
+
+Always store the PayID details in your database:
+
+```ruby
+response = pay_ids.create(virtual_account_id, pay_id: email, type: 'EMAIL', details: details)
+
+if response.success?
+  pay_id = response.data
+  
+  # Store in database
+  PayIdRecord.create!(
+    external_id: pay_id['id'],
+    virtual_account_id: virtual_account_id,
+    pay_id: pay_id['pay_id'],
+    pay_id_type: pay_id['type'],
+    pay_id_name: pay_id['details']['pay_id_name'],
+    owner_legal_name: pay_id['details']['owner_legal_name'],
+    status: pay_id['status']
+  )
+end
+```
+
+### 4. Handle Errors Gracefully
+
+Always implement proper error handling:
+
+```ruby
+def register_pay_id_safely(virtual_account_id, pay_id_email, details)
+  pay_ids = ZaiPayment::Resources::PayId.new
+  
+  begin
+    response = pay_ids.create(
+      virtual_account_id,
+      pay_id: pay_id_email,
+      type: 'EMAIL',
+      details: details
+    )
+    { success: true, data: response.data }
+  rescue ZaiPayment::Errors::ValidationError => e
+    { success: false, error: 'validation', message: e.message }
+  rescue ZaiPayment::Errors::NotFoundError => e
+    { success: false, error: 'not_found', message: e.message }
+  rescue ZaiPayment::Errors::BadRequestError => e
+    { success: false, error: 'bad_request', message: e.message }
+  rescue ZaiPayment::Errors::ApiError => e
+    { success: false, error: 'api_error', message: e.message }
+  end
+end
+```
+
+### 5. Verify Virtual Account Exists
+
+Check that the virtual account exists before registering a PayID:
+
+```ruby
+virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+
+begin
+  # Verify virtual account exists
+  va_response = virtual_accounts.show(virtual_account_id)
+  
+  if va_response.success? && va_response.data['status'] == 'active'
+    # Proceed with PayID registration
+    pay_ids.create(virtual_account_id, pay_id: email, type: 'EMAIL', details: details)
+  else
+    puts "Virtual account is not active yet"
+  end
+rescue ZaiPayment::Errors::NotFoundError
+  puts "Virtual account does not exist"
+end
+```
+
+### 6. Monitor PayID Status
+
+After registration, monitor the PayID status:
+
+```ruby
+pay_id = response.data
+
+case pay_id['status']
+when 'pending_activation'
+  puts "PayID registered, awaiting activation"
+when 'active'
+  puts "PayID is active and ready to receive payments"
+when 'inactive'
+  puts "PayID is inactive"
+else
+  puts "Unknown status: #{pay_id['status']}"
+end
+```
+
+### 7. Secure PayID Information
+
+Treat PayID details as sensitive payment information:
+
+```ruby
+# Don't log sensitive details in production
+if Rails.env.production?
+  logger.info "PayID registered: #{pay_id['id']}"
+else
+  logger.debug "PayID details: #{pay_id.inspect}"
+end
+
+# Use HTTPS for all communications
+# Store securely in your database
+# Limit access to authorized personnel only
+```
+
+## Testing
+
+For testing in prelive environment:
+
+```ruby
+# spec/services/pay_id_service_spec.rb
+require 'spec_helper'
+
+RSpec.describe PayIdService do
+  let(:virtual_account_id) { 'test-virtual-account-id' }
+  
+  describe '#register_pay_id' do
+    it 'registers a PayID successfully' do
+      VCR.use_cassette('pay_id_register') do
+        service = PayIdService.new
+        result = service.register_pay_id(
+          virtual_account_id,
+          pay_id: 'test@example.com',
+          details: {
+            pay_id_name: 'Test User',
+            owner_legal_name: 'Test User Full Name'
+          }
+        )
+        
+        expect(result[:success]).to be true
+        expect(result[:pay_id]['id']).to be_present
+        expect(result[:pay_id]['pay_id']).to eq('test@example.com')
+        expect(result[:pay_id]['type']).to eq('EMAIL')
+      end
+    end
+  end
+end
+```
+
+## Troubleshooting
+
+### Issue: ValidationError - "virtual_account_id is required"
+
+**Solution**: Ensure you're passing a valid virtual account ID:
+
+```ruby
+# Wrong
+pay_ids.create('', pay_id: 'test@example.com', type: 'EMAIL', details: {})
+
+# Correct
+pay_ids.create('46deb476-c1a6-41eb-8eb7-26a695bbe5bc', pay_id: 'test@example.com', type: 'EMAIL', details: {})
+```
+
+### Issue: NotFoundError - "Virtual account not found"
+
+**Solution**: Verify the virtual account exists before registering a PayID:
+
+```ruby
+# Check virtual account exists first
+virtual_accounts = ZaiPayment::Resources::VirtualAccount.new
+begin
+  va_response = virtual_accounts.show(virtual_account_id)
+  if va_response.success?
+    # Virtual account exists, proceed with PayID registration
+    pay_ids.create(virtual_account_id, pay_id: 'test@example.com', type: 'EMAIL', details: {})
+  end
+rescue ZaiPayment::Errors::NotFoundError
+  puts "Virtual account does not exist"
+end
+```
+
+### Issue: ValidationError - "pay_id must be 256 characters or less"
+
+**Solution**: Ensure the PayID (email) is not too long:
+
+```ruby
+pay_id_email = 'verylongemail@example.com'
+
+if pay_id_email.length <= 256
+  pay_ids.create(virtual_account_id, pay_id: pay_id_email, type: 'EMAIL', details: {})
+else
+  puts "PayID is too long"
+end
+```
+
+### Issue: ValidationError - "type must be one of: EMAIL"
+
+**Solution**: Ensure you're using a valid type:
+
+```ruby
+# Wrong
+pay_ids.create(virtual_account_id, pay_id: 'test@example.com', type: 'PHONE', details: {})
+
+# Correct
+pay_ids.create(virtual_account_id, pay_id: 'test@example.com', type: 'EMAIL', details: {})
+```
+
+### Issue: BadRequestError - PayID already registered
+
+**Solution**: PayIDs must be unique. Check if the PayID is already registered:
+
+```ruby
+begin
+  pay_ids.create(virtual_account_id, pay_id: 'test@example.com', type: 'EMAIL', details: {})
+rescue ZaiPayment::Errors::BadRequestError => e
+  if e.message.include?('already registered')
+    puts "This PayID is already registered to another account"
+  else
+    puts "Bad request: #{e.message}"
+  end
+end
+```
+
+## See Also
+
+- [Virtual Accounts Documentation](virtual_accounts.md)
+- [Examples](../examples/pay_ids.md)
+- [Zai API Documentation](https://developer.hellozai.com/docs)
+