1 package Business::OnlinePayment;
10 $VERSION = eval $VERSION; # modperlstyle: convert the string into a number
12 # Remember subclasses we have "wrapped" submit() with _pre_submit()
13 my %Presubmit_Added = ();
16 authorization => undef,
17 error_message => undef,
18 failure_status => undef,
19 fraud_detect => undef,
21 maximum_risk => undef,
27 server_response => undef,
28 test_transaction => undef,
29 transaction_type => undef,
33 my($class,$processor,%data) = @_;
35 Carp::croak("unspecified processor") unless $processor;
37 my $subclass = "${class}::$processor";
38 if(!defined(&$subclass)) {
40 Carp::croak("unknown processor $processor ($@)") if $@;
43 my $self = bless {processor => $processor}, $subclass;
44 $self->build_subs(keys %fields);
46 if($self->can("set_defaults")) {
47 $self->set_defaults();
52 my $value = $data{$_};
54 $self->build_subs($key);
58 # "wrap" submit with _pre_submit only once
59 unless ( $Presubmit_Added{$subclass} ) {
60 my $real_submit = $subclass->can('submit');
62 no warnings 'redefine';
65 *{"${subclass}::submit"} = sub {
67 return unless $self->_pre_submit(@_);
68 return $real_submit->($self, @_);
76 my ($self, $risk_transaction) = @_;
78 my %parent_content = $self->content();
79 $parent_content{action} = 'Fraud Detect';
80 $risk_transaction->content( %parent_content );
81 $risk_transaction->submit();
82 if ($risk_transaction->is_success()) {
83 if ( $risk_transaction->fraud_score <= $self->maximum_fraud_score()) {
86 $self->error_message('Excessive risk from risk management');
89 $self->error_message('Error in risk detection stage: ' . $risk_transaction->error_message);
95 my @Fraud_Class_Path = qw(Business::OnlinePayment Business::FraudDetect);
99 my $fraud_detection = $self->fraud_detect();
101 # early return if user does not want optional risk mgt
102 return 1 unless $fraud_detection;
104 # Search for an appropriate FD module
105 foreach my $fraud_class ( @Fraud_Class_Path ) {
106 my $subclass = $fraud_class . "::" . $fraud_detection;
107 if (!defined(&$subclass)) {
108 eval "use $subclass ()";
110 Carp::croak("error loading fraud_detection module ($@)")
111 unless ( $@ =~ m/^Can\'t locate/ );
113 my $risk_tx = bless ( { processor => $fraud_detection } , $subclass );
114 $risk_tx->build_subs(keys %fields);
115 if ($risk_tx->can('set_defaults')) {
116 $risk_tx->set_defaults();
118 $risk_tx->_glean_parameters_from_parent($self);
119 return $self->_risk_detect($risk_tx);
123 Carp::croak("Unable to locate fraud_detection module $fraud_detection"
124 . " in \@INC under Fraud_Class_Path (\@Fraud_Class_Path"
125 . " contains: @Fraud_Class_Path) (\@INC contains: @INC)");
129 my($self,%params) = @_;
132 if($params{'type'}) { $self->transaction_type($params{'type'}); }
133 %{$self->{'_content'}} = %params;
135 return exists $self->{'_content'} ? %{$self->{'_content'}} : ();
138 sub required_fields {
139 my($self,@fields) = @_;
142 my %content = $self->content();
144 push(@missing, $_) unless exists $content{$_};
147 Carp::croak("missing required field(s): " . join(", ", @missing) . "\n")
152 my($self, @fields) = @_;
154 my %content = $self->content();
157 #foreach(@fields) { $new{$_} = $content{$_}; }
159 map { $_ => $content{$_} } grep defined $content{$_}, @fields;
165 my %content = $self->content();
166 foreach( keys %map ) {
167 $content{$map{$_}} = $content{$_};
169 $self->content(%content);
175 Carp::croak("Processor subclass did not override submit function");
181 my %content = $self->content();
183 foreach(sort keys %content) {
184 $dump .= "$_ = $content{$_}\n";
189 # didnt use AUTOLOAD because Net::SSLeay::AUTOLOAD passes right to
190 # AutoLoader::AUTOLOAD, instead of passing up the chain
195 next if($self->can($_));
196 eval "sub $_ { my \$self = shift; if(\@_) { \$self->{$_} = shift; } return \$self->{$_}; }";
206 Business::OnlinePayment - Perl extension for online payment processing
210 use Business::OnlinePayment;
212 my $transaction = new Business::OnlinePayment($processor, %processor_info);
213 $transaction->content(
216 card_number => '1234123412341238',
217 expiration => '0100',
218 name => 'John Q Doe',
220 $transaction->submit();
222 if($transaction->is_success()) {
223 print "Card processed successfully: ", $transaction->authorization(), "\n";
225 print "Card was rejected: ", $transaction->error_message(), "\n";
230 Business::OnlinePayment is a generic module for processing payments
231 through online credit card processors, electronic cash systems, etc.
233 =head1 METHODS AND FUNCTIONS
235 =head2 new($processor, %processor_options);
237 Create a new Business::OnlinePayment object, $processor is required,
238 and defines the online processor to use. If necessary, processor
239 options can be specified, currently supported options are 'Server',
240 'Port', and 'Path', which specify how to find the online processor
241 (https://server:port/path), but individual processor modules should
242 supply reasonable defaults for this information, override the defaults
243 only if absolutely necessary (especially path), as the processor
244 module was probably written with a specific target script in mind.
246 =head2 content(%content);
248 The information necessary for the transaction, this tends to vary a
249 little depending on the processor, so we have chosen to use a system
250 which defines specific fields in the frontend which get mapped to the
251 correct fields in the backend. The currently defined fields are:
253 =head3 PROCESSOR FIELDS
259 Your login name to use for authentication to the online processor.
263 Your password to use for authentication to the online processor.
265 =head3 GENERAL TRANSACTION FIELDS
269 Transaction type, supported types are: CC (credit card), ECHECK (electronic
270 check) and LEC (phone bill billing). Deprecated types are: Visa, MasterCard,
271 American Express, Discover, Check (not all processors support all these
276 What to do with the transaction (currently available are: Normal
277 Authorization, Authorization Only, Credit, Post Authorization)
281 A description of the transaction (used by some processors to send
282 information to the client, normally not a required field).
286 The amount of the transaction, most processors don't want dollar signs
287 and the like, just a floating point number.
289 =item * invoice_number
291 An invoice number, for your use and not normally required, many
292 processors require this field to be a numeric only field.
294 =head3 CUSTOMER INFO FIELDS
298 A customer identifier, again not normally required.
302 The customer's name, your processor may not require this.
308 The customer's first and last name as separate fields.
312 The customer's company name, not normally required.
316 The customer's address (your processor may not require this unless you
317 are requiring AVS Verification).
321 The customer's city (your processor may not require this unless you are
322 requiring AVS Verification).
326 The customer's state (your processor may not require this unless you
327 are requiring AVS Verification).
331 The customer's zip code (your processor may not require this unless you
332 are requiring AVS Verification).
338 =item * ship_first_name
340 =item * ship_last_name
354 These shipping address fields may be accepted by your processor. Refer to the
355 description for the corresponding non-ship field for general information on
360 Customer's phone number.
364 Customer's fax number.
368 Customer's email address.
370 =head3 CREDIT CARD FIELDS
374 Credit card number (obviously not required for non-credit card
379 CVV2 number (also called CVC2 or CID) is a three- or four-digit security code
380 used to reduce credit card fraud.
384 Credit card expiration (obviously not required for non-credit card
387 =item * recurring billing
389 Recurring billing flag
391 =head3 ELECTRONIC CHECK FIELDS
393 =item * account_number
395 Bank account number for electronic checks or electronic funds transfer.
399 Bank's routing code for electronic checks or electronic funds transfer.
403 Account type for electronic checks or electronic funds transfer.
407 Account holder's name for electronic checks or electronic funds transfer.
411 Bank's name for electronic checks or electronic funds transfer.
415 Check type for electronic checks or electronic funds transfer.
419 Customer organization type.
423 Customer's social security number. Typically only required for electronic
424 checks or electronic funds transfer.
428 Customer's driver's license number. Typically only required for electronic
429 checks or electronic funds transfer.
433 Customer's date of birth. Typically only required for electronic
434 checks or electronic funds transfer.
440 Submit the transaction to the processor for completion
444 Returns true if the transaction was submitted successfully, false if
445 it failed (or undef if it has not been submitted yet).
447 =head2 failure_status();
449 If the transaction failed, it can optionally return a specific
450 failure status (normalized, not gateway-specific). Currently defined
451 statuses are: "expired", "nsf" (non-sufficient funds), "stolen",
452 "pickup", "blacklisted" and "declined" (card/transaction declines
453 only, not other errors).
455 Note that (as of Aug 2006) this is only supported by some of the
456 newest processor modules, and that, even if supported, a failure
457 status is an entirely optional field that is only set for specific
460 =head2 result_code();
462 Returns the precise result code that the processor returned, these are
463 normally one letter codes that don't mean much unless you understand
464 the protocol they speak, you probably don't need this, but it's there
467 =head2 test_transaction();
469 Most processors provide a test mode, where submitted transactions will
470 not actually be charged or added to your batch, calling this function
471 with a true argument will turn that mode on if the processor supports
472 it, or generate a fatal error if the processor does not support a test
473 mode (which is probably better than accidentally making real charges).
475 =head2 require_avs();
477 Providing a true argument to this module will turn on address
478 verification (if the processor supports it).
480 =head2 transaction_type();
482 Retrieve the transaction type (the 'type' argument to contents();).
483 Generally only used internally, but provided in case it is useful.
485 =head2 error_message();
487 If the transaction has been submitted but was not accepted, this
488 function will return the provided error message (if any) that the
491 =head2 authorization();
493 If the transaction has been submitted and accepted, this function will
494 provide you with the authorization code that the processor returned.
498 Retrieve or change the processor submission server address (CHANGE AT
503 Retrieve or change the processor submission port (CHANGE AT YOUR OWN RISK).
507 Retrieve or change the processor submission path (CHANGE AT YOUR OWN RISK).
511 Jason Kohles, email@jasonkohles.com
513 (v3 rewrite) Ivan Kohler <ivan-business-onlinepayment@420.am>
515 Phil Lobbes E<lt>phil at perkpartners dot comE<gt>
519 THIS SOFTWARE IS PROVIDED "AS IS" AND WITHOUT ANY EXPRESS OR IMPLIED
520 WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF
521 MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
525 http://420.am/business-onlinepayment/
527 For verification of credit card checksums, see L<Business::CreditCard>.