1 package Business::OnlinePayment;
4 use vars qw($VERSION %_info_handler);
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 = ();
41 ( my $gw = $class ) =~ s/^Business::OnlinePayment:://;
43 'info_compat' => '0.00',
44 'gateway_name' => $gw,
45 'module_notes' => "Module does not yet provide info.",
49 #allow classes to declare info in a flexible way, but return normalized info
51 'supported_types' => sub {
52 my( $class, $v ) = @_;
53 my $types = ref($v) ? $v : [ $v ];
54 $types = { map { $_=>1 } @$types } if ref($v) eq 'ARRAY';
57 'supported_actions' => sub {
58 my( $class, $v ) = @_;
59 return $v if ref($v) eq 'HASH';
60 $v = [ $v ] unless ref($v);
61 my $types = $class->info('supported_types');
62 { map { $_ => $v } keys %$types };
68 my $info = $class->_info;
71 exists($_info_handler{$key})
72 ? &{ $_info_handler{$key} }( $class, $info->{$key} )
75 wantarray ? ( keys %$info ) : [ keys %$info ];
80 my($class,$processor,%data) = @_;
82 croak("unspecified processor") unless $processor;
84 my $subclass = "${class}::$processor";
86 croak("unknown processor $processor ($@)") if $@;
88 my $self = bless {processor => $processor}, $subclass;
89 $self->build_subs(@methods);
91 if($self->can("set_defaults")) {
92 $self->set_defaults(%data);
97 my $value = $data{$_};
99 $self->build_subs($key);
103 # "wrap" submit with _pre_submit only once
104 unless ( $Presubmit_Added{$subclass} ) {
105 my $real_submit = $subclass->can('submit');
107 no warnings 'redefine';
110 *{"${subclass}::submit"} = sub {
112 return unless $self->_pre_submit(@_);
113 return $real_submit->($self, @_);
121 my ($self, $risk_transaction) = @_;
123 my %parent_content = $self->content();
124 $parent_content{action} = 'Fraud Detect';
125 $risk_transaction->content( %parent_content );
126 $risk_transaction->submit();
127 if ($risk_transaction->is_success()) {
128 $self->fraud_score( $risk_transaction->fraud_score );
129 $self->fraud_transaction_id( $risk_transaction->fraud_transaction_id );
130 if ( $risk_transaction->fraud_score <= $self->maximum_fraud_score()) {
133 $self->error_message('Excessive risk from risk management');
136 $self->error_message('Error in risk detection stage: ' . $risk_transaction->error_message);
138 $self->is_success(0);
142 my @Fraud_Class_Path = qw(Business::OnlinePayment Business::FraudDetect);
146 my $fraud_detection = $self->fraud_detect();
148 # early return if user does not want optional risk mgt
149 return 1 unless $fraud_detection;
151 # Search for an appropriate FD module
152 foreach my $fraud_class ( @Fraud_Class_Path ) {
153 my $subclass = $fraud_class . "::" . $fraud_detection;
154 eval "use $subclass ()";
156 croak("error loading fraud_detection module ($@)")
157 unless ( $@ =~ m/^Can\'t locate/ );
159 my $risk_tx = bless( { processor => $fraud_detection }, $subclass );
160 $risk_tx->build_subs(@methods);
161 if ($risk_tx->can('set_defaults')) {
162 $risk_tx->set_defaults();
164 $risk_tx->_glean_parameters_from_parent($self);
165 return $self->_risk_detect($risk_tx);
168 croak("Unable to locate fraud_detection module $fraud_detection"
169 . " in \@INC under Fraud_Class_Path (\@Fraud_Class_Path"
170 . " contains: @Fraud_Class_Path) (\@INC contains: @INC)");
174 my($self,%params) = @_;
177 if($params{'type'}) { $self->transaction_type($params{'type'}); }
178 %{$self->{'_content'}} = %params;
180 return exists $self->{'_content'} ? %{$self->{'_content'}} : ();
183 sub required_fields {
184 my($self,@fields) = @_;
187 my %content = $self->content();
189 push(@missing, $_) unless exists $content{$_};
192 croak("missing required field(s): " . join(", ", @missing) . "\n")
197 my($self, @fields) = @_;
199 my %content = $self->content();
202 #foreach(@fields) { $new{$_} = $content{$_}; }
204 map { $_ => $content{$_} } grep defined $content{$_}, @fields;
210 my %content = $self->content();
211 foreach( keys %map ) {
212 $content{$map{$_}} = $content{$_};
214 $self->content(%content);
220 croak("Processor subclass did not override submit function");
226 my %content = $self->content();
228 foreach(sort keys %content) {
229 $dump .= "$_ = $content{$_}\n";
234 # didnt use AUTOLOAD because Net::SSLeay::AUTOLOAD passes right to
235 # AutoLoader::AUTOLOAD, instead of passing up the chain
240 next if($self->can($_));
241 eval "sub $_ { my \$self = shift; if(\@_) { \$self->{$_} = shift; } return \$self->{$_}; }";
248 my( $self, $value ) = @_;
249 return 1 if $value =~ /^[yt]/i;
250 return 0 if $value =~ /^[fn]/i;
251 #return 1 if $value == 1;
252 #return 0 if $value == 0;
262 Business::OnlinePayment - Perl extension for online payment processing
266 use Business::OnlinePayment;
268 my $transaction = new Business::OnlinePayment($processor, %processor_info);
269 $transaction->content(
272 card_number => '1234123412341238',
273 expiration => '0100',
274 name => 'John Q Doe',
276 $transaction->submit();
278 if($transaction->is_success()) {
279 print "Card processed successfully: ", $transaction->authorization(), "\n";
281 print "Card was rejected: ", $transaction->error_message(), "\n";
286 Business::OnlinePayment is a generic module for processing payments
287 through online credit card processors, electronic cash systems, etc.
291 =head2 new($processor, %processor_options)
293 Create a new Business::OnlinePayment object, $processor is required,
294 and defines the online processor to use. If necessary, processor
295 options can be specified, currently supported options are 'Server',
296 'Port', and 'Path', which specify how to find the online processor
297 (https://server:port/path), but individual processor modules should
298 supply reasonable defaults for this information, override the defaults
299 only if absolutely necessary (especially path), as the processor
300 module was probably written with a specific target script in mind.
302 =head1 TRANSACTION SETUP METHODS
304 =head2 content(%content)
306 The information necessary for the transaction, this tends to vary a
307 little depending on the processor, so we have chosen to use a system
308 which defines specific fields in the frontend which get mapped to the
309 correct fields in the backend. The currently defined fields are:
311 =head3 PROCESSOR FIELDS
317 Your login name to use for authentication to the online processor.
321 Your password to use for authentication to the online processor.
325 =head3 REQUIRED TRANSACTION FIELDS
331 Transaction type, supported types are: CC (credit card), ECHECK
332 (electronic check) and LEC (phone bill billing). Deprecated types
333 are: Visa, MasterCard, American Express, Discover, Check. Not all
334 processors support all transaction types.
338 What action being taken by this transaction. Currently available are:
342 =item Normal Authorization
344 =item Authorization Only
346 =item Post Authorization
352 =item Recurring Authorization
354 =item Modify Recurring Authorization
356 =item Cancel Recurring Authorization
362 The amount of the transaction. No dollar signs or currency identifiers,
363 just a whole or floating point number (i.e. 26, 26.1 or 26.13).
367 =head3 OPTIONAL TRANSACTION FIELDS
373 A description of the transaction (used by some processors to send
374 information to the client, normally not a required field).
378 An invoice number, for your use and not normally required, many
379 processors require this field to be a numeric only field.
383 Purchase order number (normally not required).
387 Tax amount (portion of amount field, not added to it).
391 Freight amount (portion of amount field, not added to it).
395 Duty amount (portion of amount field, not added to it).
399 Tax exempt flag (i.e. TRUE, FALSE, T, F, YES, NO, Y, N, 1, 0).
403 =head3 CUSTOMER INFO FIELDS
409 A customer identifier, again not normally required.
413 The customer's name, your processor may not require this.
419 The customer's first and last name as separate fields.
423 The customer's company name, not normally required.
427 The customer's address (your processor may not require this unless you
428 are requiring AVS Verification).
432 The customer's city (your processor may not require this unless you
433 are requiring AVS Verification).
437 The customer's state (your processor may not require this unless you
438 are requiring AVS Verification).
442 The customer's zip code (your processor may not require this unless
443 you are requiring AVS Verification).
449 =item ship_first_name
465 These shipping address fields may be accepted by your processor.
466 Refer to the description for the corresponding non-ship field for
467 general information on each field.
471 Customer's phone number.
475 Customer's fax number.
479 Customer's email address.
483 IP Address from which the transaction originated.
487 =head3 CREDIT CARD FIELDS
497 CVV2 number (also called CVC2 or CID) is a three- or four-digit
498 security code used to reduce credit card fraud.
502 Credit card expiration.
506 Track 1 on the magnetic stripe (Card present only)
510 Track 2 on the magnetic stripe (Card present only)
512 =item recurring billing
514 Recurring billing flag
518 =head3 ELECTRONIC CHECK FIELDS
524 Bank account number for electronic checks or electronic funds
529 Bank's routing code for electronic checks or electronic funds
534 Account type for electronic checks or electronic funds transfer. Can be
535 (case-insensitive): B<Personal Checking>, B<Personal Savings>,
536 B<Business Checking> or B<Business Savings>.
540 Account holder's name for electronic checks or electronic funds
545 Bank's name for electronic checks or electronic funds transfer.
549 Check type for electronic checks or electronic funds transfer.
553 Customer organization type.
557 Customer's social security number. Typically only required for
558 electronic checks or electronic funds transfer.
562 Customer's driver's license number. Typically only required for
563 electronic checks or electronic funds transfer.
567 Customer's date of birth. Typically only required for electronic
568 checks or electronic funds transfer.
572 =head3 RECURRING BILLING FIELDS
578 Interval expresses the amount of time between billings: digits, whitespace
579 and units (currently "days" or "months" in either singular or plural form).
583 The date of the first transaction (used for processors which allow delayed
584 start) expressed as YYYY-MM-DD.
588 The number of cycles of interval length for which billing should occur
589 (inclusive of 'trial periods' if the processor supports recurring billing
590 at more than one rate)
594 =head2 test_transaction()
596 Most processors provide a test mode, where submitted transactions will
597 not actually be charged or added to your batch, calling this function
598 with a true argument will turn that mode on if the processor supports
599 it, or generate a fatal error if the processor does not support a test
600 mode (which is probably better than accidentally making real charges).
604 Providing a true argument to this module will turn on address
605 verification (if the processor supports it).
607 =head1 TRANSACTION SUBMISSION METHOD
611 Submit the transaction to the processor for completion
613 =head1 TRANSACTION RESULT METHODS
617 Returns true if the transaction was submitted successfully, false if
618 it failed (or undef if it has not been submitted yet).
620 =head2 error_message()
622 If the transaction has been submitted but was not accepted, this
623 function will return the provided error message (if any) that the
626 =head2 failure_status()
628 If the transaction failed, it can optionally return a specific failure
629 status (normalized, not gateway-specific). Currently defined statuses
630 are: "expired", "nsf" (non-sufficient funds), "stolen", "pickup",
631 "blacklisted" and "declined" (card/transaction declines only, not
634 Note that (as of Aug 2006) this is only supported by some of the
635 newest processor modules, and that, even if supported, a failure
636 status is an entirely optional field that is only set for specific
639 =head2 authorization()
641 If the transaction has been submitted and accepted, this function will
642 provide you with the authorization code that the processor returned.
643 Store this if you would like to run inquiries or refunds on the transaction
646 =head2 order_number()
648 The unique order number for the transaction generated by the gateway. Store
649 this if you would like to run inquiries or refunds on the transaction later.
653 Retrieve or change the fraud score from any Business::FraudDetect plugin
655 =head2 fraud_transaction_id()
657 Retrieve or change the transaction id from any Business::FraudDetect plugin
659 =head2 response_code()
661 =head2 response_headers()
663 =head2 response_page()
665 These three fields are set by some processors (especially those which use
666 HTTPS) when the transaction fails at the communication level rather than
669 response_code is the HTTP response code and message, i.e.
670 '500 Internal Server Error'.
672 response_headers is a hash reference of the response headers
674 response_page is the raw content.
678 Returns the precise result code that the processor returned, these are
679 normally one letter codes that don't mean much unless you understand
680 the protocol they speak, you probably don't need this, but it's there
685 =head2 cvv2_response()
687 =head1 MISCELLANEOUS INTERNAL METHODS
689 =head2 transaction_type()
691 Retrieve the transaction type (the 'type' argument to contents()).
692 Generally only used internally, but provided in case it is useful.
696 Retrieve or change the processor submission server address (CHANGE AT
701 Retrieve or change the processor submission port (CHANGE AT YOUR OWN
706 Retrieve or change the processor submission path (CHANGE AT YOUR OWN
709 =head1 HELPER METHODS FOR GATEWAY MODULE AUTHORS
711 =head2 build_subs( @sub_names )
713 Build setter/getter subroutines for new return values.
715 =head2 get_fields( @fields )
717 Get the named fields if they are defined.
719 =head2 remap_fields( %map )
721 Remap field content (and stuff it back into content).
723 =head2 required_fields( @fields )
725 Croaks if any of the required fields are not present.
729 =head2 silly_bool( $value )
731 Returns 0 if the value starts with y, Y, t or T.
732 Returns 1 if the value starts with n, N, f or F.
733 Otherwise returns the value itself.
735 Use this for handling boolean content like tax_exempt.
741 Jason Kohles, email@jasonkohles.com
745 Ivan Kohler <ivan-business-onlinepayment@420.am>
747 Phil Lobbes E<lt>phil at perkpartners dot comE<gt>
751 Homepage: http://420.am/business-onlinepayment/
753 Development: http://420.am/business-onlinepayment/ng.html
757 Please direct current development questions, patches, etc. to the mailing list:
758 http://420.am/cgi-bin/mailman/listinfo/bop-devel/
762 The code is available from our public CVS repository:
764 export CVSROOT=":pserver:anonymous@cvs.freeside.biz:/home/cvs/cvsroot"
766 # The password for the user `anonymous' is `anonymous'.
767 cvs checkout Business-OnlinePayment
771 http://freeside.biz/cgi-bin/viewvc.cgi/Business-OnlinePayment/
773 Many (but by no means all!) processor plugins are also available in the same
776 http://freeside.biz/cgi-bin/viewvc.cgi/
780 THIS SOFTWARE IS PROVIDED "AS IS" AND WITHOUT ANY EXPRESS OR IMPLIED
781 WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF
782 MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
786 http://420.am/business-onlinepayment/
788 For verification of credit card checksums, see L<Business::CreditCard>.