############################################################################## # Business::OnlinePayment::OpenECHO # # Credit card transactions via SSL to # Electronic Clearing House (ECHO) Systems # # Refer to ECHO's documentation for more info # http://www.openecho.com/echo_gateway_guide.html # # AUTHOR # Michael Lehmkuhl # # SPECIAL THANKS # Jim Darden # Dan Browning # # BUSINESS::ONLINEPAYMENT IMPLEMENTATION # Ivan Kohler # # VERSION HISTORY # + v1.2 08/17/2002 Corrected problem with certain string comparisons. # + v1.3 08/23/2002 Converted Interchange GlobalSub to Vend::Payment module. # + v1.3.1 11/12/2002 Updated the OpenECHO_example.perl test script. # + v1.4 11/18/2002 Corrected a problem with Submit method when using LWP. # + v1.5 03/29/2003 Updated for additional status and avs_result codes. # + v1.6 08/26/2003 Cleaned up code (salim qadeer sqadeer@echo-inc.com) # + v1.6.2 09/23/2003 Added DH transaction type (salim qadeer sqadeer@echo-inc.com) # -------- # + v0.1 08/26/2004 Business::OnlinePayment implementation # + v0.2 09/13/2004 # + v0.3 03/25/2006 # # Copyright (C) 2002 Electric Pulp. # Copyright (C) 2004-2006 Ivan Kohler # # This program is free software; you can redistribute it and/or modify # it under the terms of the GNU General Public License as published by # the Free Software Foundation; either version 2 of the License, or # (at your option) any later version. # # This program is distributed in the hope that it will be useful, # but WITHOUT ANY WARRANTY; without even the implied warranty of # MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the # GNU General Public License for more details. # # You should have received a copy of the GNU General Public # License along with this program; if not, write to the Free # Software Foundation, Inc., 59 Temple Place, Suite 330, Boston, # MA 02111-1307 USA. # ################################################################################ package Business::OnlinePayment::OpenECHO; use strict; use Carp; use Business::OnlinePayment 3; use Business::OnlinePayment::HTTPS; use vars qw($VERSION @ISA $DEBUG); @ISA = qw(Business::OnlinePayment::HTTPS); $VERSION = '0.04'; $DEBUG = 0; sub set_defaults { my $self = shift; $self->server('wwws.echo-inc.com'); $self->port('443'); $self->path('/scripts/INR200.EXE'); $self->build_subs(qw( order_number avs_code )); # order_type # md5 cvv2_response cavv_response } #map_fileds originally from AuthorizeNet.pm sub map_fields { my($self) = @_; ##AD (Address Verification) - 0.18 cents #AS (Authorization) - 0.18 cents #AV (Authorization with Address Verification) - 0.18 cents #CR (Credit) - 0.18 cents + 0.12 cents (discount fee returned to merchant) #DS (Deposit) - 0.18 cents + 0.12 cents #ES (Authorization and Deposit) - 0.18 cents + 0.12 cents + an extra 0.17% #EV (Authorization and Deposit with Address Verification) - 0.18 cents + 0.12 cents ##CK (System check) - 0.18 cents #DV (Electronic Check Verification) - check your contract #DD (Electronic Check Debit with Verification) - check your contract #DH (Electronic Check Debit ACH Only) - check your contract #DC (Electronic Check Credit) - check your contract my %content = $self->content(); if ( lc($content{'action'}) eq 'void' ) { $self->is_success(0); $self->error_message( 'OpenECHO gateway does not support voids; '. 'try action => "Credit" ' ); return; } my $avs = $self->require_avs; $avs = 1 unless defined($avs) && length($avs); #default AVS on unless explicitly turned off my %map; if ( $content{'type'} =~ /^(cc|visa|mastercard|american express|discover)$/i ) { if ( $avs ) { %map = ( 'normal authorization' => 'EV', 'authorization only' => 'AV', 'credit' => 'CR', 'post authorization' => 'DS', #'void' => 'VOID', ); } else { %map = ( 'normal authorization' => 'ES', 'authorization only' => 'AS', 'credit' => 'CR', 'post authorization' => 'DS', #'void' => 'VOID', ); } } elsif ( $content{'type'} =~ /^e?check$/i ) { %map = ( 'normal authorization' => 'DD', 'authorization only' => 'DV', 'credit' => 'DC', 'post authorization' => 'DH', #'void' => 'VOID', ); } else { croak 'Unknown type: '. $content{'type'}; } $content{'type'} = $map{lc($content{'action'})} or croak 'Unknown action: '. $content{'action'}; $self->transaction_type($content{'type'}); # stuff it back into %content $self->content(%content); } sub submit { my($self) = @_; $self->map_fields(); $self->remap_fields( # => 'order_type', type => 'transaction_type', #action => login => 'merchant_echo_id', password => 'merchant_pin', # => 'isp_echo_id', # => 'isp_pin', #transaction_key => authorization => 'authorization', # auth_code => 'authorization', customer_ip => 'billing_ip_address', # 'billing_prefix', name => 'billing_name', first_name => 'billing_first_name', last_name => 'billing_last_name', company => 'billing_company_name', address => 'billing_address_1', # => 'billing_address_2', city => 'billing_city', state => 'billing_state', zip => 'billing_zip', country => 'billing_country', phone => 'billing_phone', fax => 'billing_fax', email => 'billing_email', card_number => 'cc_number', # => 'ccexp_month', # => 'ccexp_year', # => 'counter', # => 'debug', #XXX# => 'ec_*', 'amount' => 'grand_total', # => 'merchant_email', #invoice_number => customer_id => 'merchant_trace_nbr', # => 'original_amount', # => 'original_trandate_mm', # => 'original_trandate_dd', # => 'original_trandate_yyyy', # => 'original_reference', order_number => 'order_number', # => 'shipping_flag', #description => #currency => #ship_last_name => #ship_first_name => #ship_company => #ship_address => #ship_city => #ship_state => #ship_zip => #ship_country => #expiration => cvv2 => 'cnp_security', #check_type => #account_name => 'ec_last_name' & 'ec_first_name', account_number => 'ec_account', #account_type => bank_name => 'ec_bank_name', routing_code => 'ec_rt', #customer_org => #customer_ssn => license_num => 'ec_id_number', license_state => 'ec_id_state', #license_dob => #get from new() args instead# payee => 'ec_payee', check_number => 'ec_serial_number', #recurring_billing => 'cnp_recurring', ); #XXX hosted order_type? $self->{_content}{order_type} = 'S'; #XXX counter field shouldn't be just a random integer (but it does need a #default this way i guess... $self->{_content}{counter} = int(rand(2**31)); if ( $self->transaction_type =~ /^[EA][VS]$/ ) { #ccexp_month & ccexp_year $self->{_content}{'expiration'} =~ /^(\d+)\D+\d*(\d{2})$/ or croak "unparsable expiration ". $self->{_content}{expiration}; my( $month, $year ) = ( $1, $2 ); $month = '0'. $month if $month =~ /^\d$/; $self->{_content}{ccexp_month} = $month; $self->{_content}{ccexp_year} = $year; } if ( $self->transaction_type =~ /^D[DVCH]$/ ) { #echeck #check number kludge... "periodic bill payments" don't have check #s! #$self->{_content}{ec_serial_number} = 'RECURRIN' $self->{_content}{ec_serial_number} = '00000000' if ! length($self->{_content}{ec_serial_number}) && $self->{_content}{ec_payment_type} =~ /^(PPD)?$/i; ( $self->{_content}{ec_payee} = $self->payee ) or croak "'payee' option required when instantiating new ". "Business::OnlinePayment::OpenECHO object\n"; } $self->{_content}{cnp_recurring} = 'Y' if exists($self->{_content}{recurring_billing}) && $self->{_content}{recurring_billing} =~ /^y/i; #XXX echeck use customer_org and account_type to generate ec_account_type #XXX set required fields # https://wwws.echo-inc.com/ISPGuide-Fields2.asp $self->required_fields(); my( $page, $response, %reply_headers) = $self->https_post( $self->get_fields( $self->fields ) ); warn "raw echo response: $page" if $DEBUG; #XXX check $response and die if not 200? my $echotype1 = $self->GetEchoReturn($page, 1); my $echotype2 = $self->GetEchoReturn($page, 2); my $echotype3 = $self->GetEchoReturn($page, 3); my $openecho = $self->GetEchoReturn($page, 'OPEN'); # server_response # avs_code # order_number # is_success # result_code # authorization #md5 cvv2_response cavv_response ...? # Get all the metadata. $self->server_response($page); $self->authorization( $self->GetEchoProp($echotype3, 'auth_code') ); $self->order_number( $self->GetEchoProp($echotype3, 'order_number') ); #XXX ??? #$self->reference( $this->GetEchoProp($echotype3, "echo_reference"); $self->result_code( $self->GetEchoProp($echotype3, 'status') ); $self->avs_code( $self->GetEchoProp($echotype3, 'avs_result') ); #XXX ??? #$self->security_result( $self->GetEchoProp($echotype3, 'security_result'); #$self->mac( $self->GetEchoProp($echotype3, 'mac') ); #$self->decline_code( $self->GetEchoProp($echotype3, 'decline_code') ); if ($self->result_code =~ /^[GR]$/ ) { #success #XXX special case for AVS-only transactions we don't handle yet #if ($self->transaction_type eq "AD") { # if ($self->avs_code =~ /^[XYDM]$/ ) { # $self->is_success(1); # } else { # $self->is_success(0); # } #} else { $self->is_success(1); #} } else { $self->is_success(0); my $decline_code = $self->GetEchoProp($echotype3, 'decline_code'); my $error_message = $self->error($decline_code); if ( $decline_code =~ /^(00)?30$/ ) { $echotype2 =~ s/
/\n/ig; $echotype2 =~ s'''ig; $error_message .= ": $echotype2"; } $self->error_message( $error_message ); } $self->is_success(0) if $page eq ''; } sub fields { my $self = shift; my @fields = qw( order_type transaction_type merchant_echo_id merchant_pin isp_echo_id isp_pin authorization billing_ip_address billing_prefix billing_name billing_first_name billing_last_name billing_company_name billing_address1 billing_address2 billing_city billing_state billing_zip billing_country billing_phone billing_fax billing_email cc_number ccexp_month ccexp_year counter debug ); if ($self->transaction_type =~ /^D[DCVH]$/) { push @fields, qw( ec_account ec_account_type ec_payment_type ec_address1 ec_address2 ec_bank_name ec_business_acct ec_city ec_email ec_first_name ec_id_country ec_id_exp_mm ec_id_exp_dd ec_id_exp_yy ec_id_number ec_id_state ec_id_type ec_last_name ec_merchant_ref ec_nbds_code ec_other_name ec_payee ec_rt ec_serial_number ec_state ec_transaction_dt ec_zip ); } push @fields, qw( grand_total merchant_email merchant_trace_nbr original_amount original_trandate_mm original_trandate_dd original_trandate_yyyy original_reference order_number shipping_flag shipping_prefix shipping_name shipping_address1 shipping_address2 shipping_city shipping_state shipping_zip shipping_comments shipping_country shipping_phone shipping_fax shipper shipper_tracking_nbr track1 track2 cnp_security cnp_recurring ); return @fields; } sub GetEchoProp { my( $self, $raw, $prop ) = @_; local $^W=0; my $data; ($data) = $raw =~ m"<$prop>(.*?)"gsi; $data =~ s/<.*?>/ /gs; chomp $data; return $data; } # Get's a given Echo return type and strips all HTML style tags from it. # It also strips any new line characters from the returned string. # # This function based on Ben Reser's Echo::Process # module. sub GetEchoReturn { my( $self, $page, $type ) = @_; local $^W=0; my $data; if ($type eq 'OPEN') { ($data) = $page =~ m"(.*?)"gsi; } else { ($data) = $page =~ m"(.*?)"gsi; } # $data =~ s"<.*?>" "g; #unless (length($data)) { # warn "$self $page $type"; #} chomp $data; return $data; } use vars qw(%error); %error = ( "01" => [ "Refer to card issuer", "The merchant must call the issuer before the transaction can be approved." ], "02" => [ "Refer to card issuer, special condition", "The merchant must call the issuer before the transaction can be approved." ], "03" => [ "Invalid merchant number", "The merchant ID is not valid." ], "04" => [ "Pick-up card. Capture for reward", "The card is listed on the Warning Bulletin. Merchant may receive reward money by capturing the card." ], "05" => [ "Do not honor. The transaction was declined by the issuer without definition or reason", "The transaction was declined without explanation by the card issuer." ], "06" => [ "Error", "The card issuer returned an error without further explanation." ], "07" => [ "Pick-up card, special condition", "The card is listed on the Warning Bulletin. Merchant may receive reward money by capturing the card." ], "08" => [ "Honor with identification", "Honor with identification." ], "09" => [ "Request in progress", "Request in progress." ], "10" => [ "Approved for partial amount", "Approved for partial amount." ], "11" => [ "Approved, VIP", "Approved, VIP program." ], "12" => [ "Invalid transaction", "The requested transaction is not supported or is not valid for the card number presented." ], "13" => [ "Invalid amount", "The amount exceeds the limits established by the issuer for this type of transaction." ], "14" => [ "Invalid card #", "The issuer indicates that this card is not valid." ], "15" => [ "No such issuer", "The card issuer number is not valid." ], "16" => [ "Approved, update track 3", "Approved, update track 3." ], "17" => [ "Customer cancellation", "Customer cancellation." ], "18" => [ "Customer dispute", "Customer dispute." ], "19" => [ "Re enter transaction", "Customer should resubmit transaction." ], "20" => [ "Invalid response", "Invalid response." ], "21" => [ "No action taken", "No action taken. The issuer declined with no other explanation." ], "22" => [ "Suspected malfunction", "Suspected malfunction." ], "23" => [ "Unacceptable transaction fee", "Unacceptable transaction fee." ], "24" => [ "File update not supported", "File update not supported." ], "25" => [ "Unable to locate record", "Unable to locate record." ], "26" => [ "Duplicate record", "Duplicate record." ], "27" => [ "File update edit error", "File update edit error." ], "28" => [ "File update file locked", "File update file locked." ], "30" => [ "Format error, call ECHO", "The host reported that the transaction was not formatted properly." ], "31" => [ "Bank not supported", "Bank not supported by switch." ], "32" => [ "Completed partially", "Completed partially." ], "33" => [ "Expired card, pick-up", "The card is expired. Merchant may receive reward money by capturing the card." ], "34" => [ "Issuer suspects fraud, pick-up card", "The card issuer suspects fraud. Merchant may receive reward money by capturing the card." ], "35" => [ "Contact acquirer, pick-up", "Contact card issuer. Merchant may receive reward money by capturing the card." ], "36" => [ "Restricted card, pick-up", "The card is restricted by the issuer. Merchant may receive reward money by capturing the card." ], "37" => [ "Call ECHO security, pick-up", "Contact ECHO security. Merchant may receive reward money by capturing the card." ], "38" => [ "PIN tries exceeded, pick-up", "PIN attempts exceed issuer limits. Merchant may receive reward money by capturing the card." ], "39" => [ "No credit account", "No credit account." ], "40" => [ "Function not supported", "Requested function not supported." ], "41" => [ "Lost Card, capture for reward", "The card has been reported lost." ], "42" => [ "No universal account", "No universal account." ], "43" => [ "Stolen Card, capture for reward", "The card has been reported stolen." ], "44" => [ "No investment account", "No investment account." ], "51" => [ "Not sufficient funds", "The credit limit for this account has been exceeded." ], "54" => [ "Expired card", "The card is expired." ], "55" => [ "Incorrect PIN", "The cardholder PIN is incorrect." ], "56" => [ "No card record", "No card record." ], "57" => [ "Transaction not permitted to cardholder", "The card is not allowed the type of transaction requested." ], "58" => [ "Transaction not permitted on terminal", "The Merchant is not allowed this type of transaction." ], "59" => [ "Suspected fraud", "Suspected fraud." ], "60" => [ "Contact ECHO", "Contact ECHO." ], "61" => [ "Exceeds withdrawal limit", "The amount exceeds the allowed daily maximum." ], "62" => [ "Restricted card", "The card has been restricted." ], "63" => [ "Security violation.", "The card has been restricted." ], "64" => [ "Original amount incorrect", "Original amount incorrect." ], "65" => [ "Exceeds withdrawal frequency", "The allowable number of daily transactions has been exceeded." ], "66" => [ "Call acquirer security, call ECHO", "Call acquirer security, call ECHO." ], "68" => [ "Response received too late", "Response received too late." ], "75" => [ "PIN tries exceeded", "The allowed number of PIN retries has been exceeded." ], "76" => [ "Invalid \"to\" account", "The debit account does not exist." ], "77" => [ "Invalid \"from\" account", "The credit account does not exist." ], "78" => [ "Invalid account specified (general)", "The associated card number account is invalid or does not exist." ], "79" => [ "Already reversed", "Already reversed." ], "84" => [ "Invalid authorization life cycle", "The authorization life cycle is invalid." ], "86" => [ "Cannot verify PIN", "Cannot verify PIN." ], "87" => [ "Network Unavailable", "Network Unavailable." ], "89" => [ "Ineligible to receive financial position information", "Ineligible to receive financial position information." ], "90" => [ "Cut-off in progress", "Cut-off in progress." ], "91" => [ "Issuer or switch inoperative", "The bank is not available to authorize this transaction." ], "92" => [ "Routing error", "The transaction cannot be routed to the authorizing agency." ], "93" => [ "Violation of law", "Violation of law." ], "94" => [ "Duplicate transaction", "Duplicate transaction." ], "95" => [ "Reconcile error", "Reconcile error." ], "96" => [ "System malfunction", "A system error has occurred." ], "98" => [ "Exceeds cash limit", "Exceeds cash limit." ], "1000" => [ "Unrecoverable error.", "An unrecoverable error has occurred in the ECHONLINE processing." ], "1001" => [ "Account closed", "The merchant account has been closed." ], "1002" => [ "System closed", "Services for this system are not available. (Not used by ECHONLINE)" ], "1003" => [ "E-Mail Down", "The e-mail function is not available. (Not used by ECHONLINE)" ], "1012" => [ "Invalid trans code", "The host computer received an invalid transaction code." ], "1013" => [ "Invalid term id", "The ECHO-ID is invalid." ], "1015" => [ "Invalid card number", "The credit card number that was sent to the host computer was invalid" ], "1016" => [ "Invalid expiry date", "The card has expired or the expiration date was invalid." ], "1017" => [ "Invalid amount", "The dollar amount was less than 1.00 or greater than the maximum allowed for this card." ], "1019" => [ "Invalid state", "The state code was invalid. (Not used by ECHONLINE)" ], "1021" => [ "Invalid service", "The merchant or card holder is not allowed to perform that kind of transaction" ], "1024" => [ "Invalid auth code", "The authorization number presented with this transaction is incorrect. (deposit transactions only)" ], "1025" => [ "Invalid reference number", "The reference number presented with this transaction is incorrect or is not numeric." ], "1029" => [ "Invalid contract number", "The contract number presented with this transaction is incorrect or is not numeric. (Not used by ECHONLINE)" ], "1030" => [ "Invalid inventory data", "The inventory data presented with this transaction is not ASCII \"printable\". (Not used by ECHONLINE)" ], "1508" => [ " ", "Invalid or missing order_type." ], "1509" => [ " ", "The merchant is not approved to submit this order_type." ], "1510" => [ " ", "The merchant is not approved to submit this transaction_type." ], #"1511" => [ " ", "Duplicate transaction attempt (see counterin Part I of this Specification)." ], "1511" => [ " ", "Duplicate transaction attempt (set counter field?)." ], "1599" => [ " ", "An system error occurred while validating the transaction input." ], "1801" => [ "Return Code \"A\"", "Address matches; ZIP does not match." ], "1802" => [ "Return Code \"W\"", "9-digit ZIP matches; Address does not match." ], "1803" => [ "Return Code \"Z\"", "5-digit ZIP matches; Address does not match." ], "1804" => [ "Return Codes \"U\"", "Issuer unavailable; cannot verify." ], "1805" => [ "Return Code \"R\"", "Retry; system is currently unable to process." ], "1806" => [ "Return Code \"S\" or \"G\"", "Issuer does not support AVS." ], "1807" => [ "Return Code \"N\"", "Nothing matches." ], "1808" => [ "Return Code \"E\"", "Invalid AVS only response." ], "1809" => [ "Return Code \"B\"", "Street address match. Postal code not verified because of incompatible formats." ], "1810" => [ "Return Code \"C\"", "Street address and Postal code not verified because of incompatible formats." ], "1811" => [ "Return Code \"D\"", "Street address match and Postal code match." ], "1812" => [ "Return Code \"I\"", "Address information not verified for international transaction." ], "1813" => [ "Return Code \"M\"", "Street address match and Postal code match." ], "1814" => [ "Return Code \"P\"", "Postal code match. Street address not verified because of incompatible formats." ], "1897" => [ "invalid response", "The host returned an invalid response." ], "1898" => [ "disconnect", "The host unexpectedly disconnected." ], "1899" => [ "timeout", "Timeout waiting for host response." ], "2071" => [ "Call VISA", "An authorization number from the VISA Voice Center is required to approve this transaction." ], "2072" => [ "Call Master Card", "An authorization number from the Master Card Voice Center is required to approve this transaction." ], "2073" => [ "Call Carte Blanche", "An authorization number from the Carte Blanche Voice Center is required to approve this transaction." ], "2074" => [ "Call Diners Club", "An authorization number from the Diners' Club Voice Center is required to approve this transaction." ], "2075" => [ "Call AMEX", "An authorization number from the American Express Voice Center is required to approve this transaction." ], "2076" => [ "Call Discover", "An authorization number from the Discover Voice Center is required to approve this transaction." ], "2078" => [ "Call ECHO", "The merchant must call ECHOCustomer Support for approval.or because there is a problem with the merchant's account." ], "2079" => [ "Call XpresscheX", "The merchant must call ECHOCustomer Support for approval.or because there is a problem with the merchant's account." ], "3001" => [ "No ACK on Resp", "The host did not receive an ACK from the terminal after sending the transaction response." ], "3002" => [ "POS NAK'd 3 Times", "The host disconnected after the terminal replied 3 times to the host response with a NAK." ], "3003" => [ "Drop on Wait", "The line dropped before the host could send a response to the terminal." ], "3005" => [ "Drop on Resp", "The line dropped while the host was sending the response to the terminal." ], "3007" => [ "Drop Before EOT", "The host received an ACK from the terminal but the line dropped before the host could send the EOT." ], "3011" => [ "No Resp to ENQ", "The line was up and carrier detected, but the terminal did not respond to the ENQ." ], "3012" => [ "Drop on Input", "The line disconnected while the host was receiving data from the terminal." ], "3013" => [ "FEP NAK'd 3 Times", "The host disconnected after receiving 3 transmissions with incorrect LRC from the terminal." ], "3014" => [ "No Resp to ENQ", "The line disconnected during input data wait in Multi-Trans Mode." ], "3015" => [ "Drop on Input", "The host encountered a full queue and discarded the input data." ], ); for ( 9000..9999 ) { $error{$_} = [ "Host Error", "The host encountered an internal error and was not able to process the transaction." ]; } sub error { my( $self, $num ) = @_; $num =~ s/^00(\d\d)$/$1/; return $num. ': '. $error{$num}[0]. ': '. $error{$num}[1]; } 1; __END__ =head1 NAME Business::OnlinePayment::OpenECHO - ECHO backend module for Business::OnlinePayment =head1 SYNOPSIS use Business::OnlinePayment; #### # One step transaction, the simple case. #### my $tx = new Business::OnlinePayment("OpenECHO"); $tx->content( type => 'VISA', login => '1234684752', password => '43400210', action => 'Normal Authorization', description => 'Business::OnlinePayment test', amount => '49.95', invoice_number => '100100', customer_id => 'jsk', first_name => 'Tofu', last_name => 'Beast', address => '123 Anystreet', city => 'Anywhere', state => 'UT', zip => '84058', card_number => '4005550000000019', expiration => '08/06', cvv2 => '1234', #optional referer => 'http://valid.referer.url/', ); $tx->submit(); if($tx->is_success()) { print "Card processed successfully: ".$tx->authorization."\n"; } else { print "Card was rejected: ".$tx->error_message."\n"; } =head1 SUPPORTED TRANSACTION TYPES =head2 CC, Visa, MasterCard, American Express, Discover Content required: type, login, password, action, amount, first_name, last_name, card_number, expiration. =head2 Check Content required: type, login, password, action, amount, first_name, last_name, account_number, routing_code, bank_name. (...more) =head1 PREREQUISITES URI::Escape Tie::IxHash Net::SSLeay _or_ ( Crypt::SSLeay and LWP ) =head1 DESCRIPTION For detailed information see L. =head1 AUTHOR Original Author Michael Lehmkuhl Special Thanks Jim Darden Dan Browning Business::OnlinePayment Implementation Ivan Kohler =head1 SEE ALSO perl(1). L. =cut