Worldpay: Support AFTs (#5154)

Account Funding Transactions, which Worldpay refers to as "Pull from
Card"
https://staging-developer.fisglobal.com/apis/wpg/manage/pull-from-card

Remote: (10 unrelated failures on master)
110 tests, 443 assertions, 10 failures, 0 errors, 0 pendings, 0 omissions, 0 notifications
90.9091% passed

Unit:
124 tests, 698 assertions, 0 failures, 0 errors, 0 pendings, 0 omissions, 0 notifications
100% passed

ECS-3554

lib/active_merchant/billing/gateways/worldpay.rb

@@ -111,6 +111,8 @@ def credit(money, payment_method, options = {})
         payment_details = payment_details(payment_method, options)
         if options[:fast_fund_credit]
           fast_fund_credit_request(money, payment_method, payment_details.merge(credit: true, **options))
+        elsif options[:account_funding_transaction]
+          aft_request(money, payment_method, payment_details.merge(**options))
         else
           credit_request(money, payment_method, payment_details.merge(credit: true, **options))
         end
@@ -148,7 +150,8 @@ def scrub(transcript)
           gsub(%r((<cardNumber>)\d+(</cardNumber>)), '\1[FILTERED]\2').
           gsub(%r((<cvc>)[^<]+(</cvc>)), '\1[FILTERED]\2').
           gsub(%r((<tokenNumber>)\d+(</tokenNumber>)), '\1[FILTERED]\2').
-          gsub(%r((<cryptogram>)[^<]+(</cryptogram>)), '\1[FILTERED]\2')
+          gsub(%r((<cryptogram>)[^<]+(</cryptogram>)), '\1[FILTERED]\2').
+          gsub(%r((<accountReference accountType="\w+">)\d+(<\/accountReference>)), '\1[FILTERED]\2')
       end
 
       private
@@ -189,6 +192,10 @@ def fast_fund_credit_request(money, payment_method, options)
         commit('fast_credit', build_fast_fund_credit_request(money, payment_method, options), :ok, 'PUSH_APPROVED', options)
       end
 
+      def aft_request(money, payment_method, options)
+        commit('funding_transfer_transaction', build_aft_request(money, payment_method, options), :ok, 'AUTHORISED', options)
+      end
+
       def store_request(credit_card, options)
         commit('store', build_store_request(credit_card, options), options)
       end
@@ -400,6 +407,66 @@ def build_fast_fund_credit_request(money, payment_method, options)
         end
       end
 
+      def build_aft_request(money, payment_method, options)
+        build_request do |xml|
+          xml.submit do
+            xml.order order_tag_attributes(options) do
+              xml.description(options[:description].blank? ? 'Account Funding Transaction' : options[:description])
+              add_amount(xml, money, options)
+              add_order_content(xml, options)
+              add_payment_method(xml, money, payment_method, options)
+              add_shopper(xml, options)
+              add_sub_merchant_data(xml, options[:sub_merchant_data]) if options[:sub_merchant_data]
+              add_aft_data(xml, payment_method, options)
+            end
+          end
+        end
+      end
+
+      def add_aft_data(xml, payment_method, options)
+        xml.fundingTransfer 'type' => options[:aft_type], 'category' => 'PULL_FROM_CARD' do
+          xml.paymentPurpose options[:aft_payment_purpose] # Must be included for the recipient for following countries, otherwise optional: Argentina, Bangladesh, Chile, Columbia, Jordan, Mexico, Thailand, UAE, India cross-border
+          xml.fundingParty 'type' => 'sender' do
+            xml.accountReference options[:aft_sender_account_reference], 'accountType' => options[:aft_sender_account_type]
+            xml.fullName do
+              xml.first options.dig(:aft_sender_full_name, :first)
+              xml.middle options.dig(:aft_sender_full_name, :middle)
+              xml.last options.dig(:aft_sender_full_name, :last)
+            end
+            xml.fundingAddress do
+              xml.address1 options.dig(:aft_sender_funding_address, :address1)
+              xml.address2 options.dig(:aft_sender_funding_address, :address2)
+              xml.postalCode options.dig(:aft_sender_funding_address, :postal_code)
+              xml.city options.dig(:aft_sender_funding_address, :city)
+              xml.state options.dig(:aft_sender_funding_address, :state)
+              xml.countryCode options.dig(:aft_sender_funding_address, :country_code)
+            end
+          end
+          xml.fundingParty 'type' => 'recipient' do
+            xml.accountReference options[:aft_recipient_account_reference], 'accountType' => options[:aft_recipient_account_type]
+            xml.fullName do
+              xml.first options.dig(:aft_recipient_full_name, :first)
+              xml.middle options.dig(:aft_recipient_full_name, :middle)
+              xml.last options.dig(:aft_recipient_full_name, :last)
+            end
+            xml.fundingAddress do
+              xml.address1 options.dig(:aft_recipient_funding_address, :address1)
+              xml.address2 options.dig(:aft_recipient_funding_address, :address2)
+              xml.postalCode options.dig(:aft_recipient_funding_address, :postal_code)
+              xml.city options.dig(:aft_recipient_funding_address, :city)
+              xml.state options.dig(:aft_recipient_funding_address, :state)
+              xml.countryCode options.dig(:aft_recipient_funding_address, :country_code)
+            end
+            if options[:aft_recipient_funding_data]
+              xml.fundingData do
+                add_date_element(xml, 'birthDate', options[:aft_recipient_funding_data][:birth_date])
+                xml.telephoneNumber options.dig(:aft_recipient_funding_data, :telephone_number)
+              end
+            end
+          end
+        end
+      end
+
       def add_payment_details_for_ff_credit(xml, payment_method, options)
         xml.paymentDetails do
           xml.tag! 'FF_DISBURSE-SSL' do

test/remote/gateways/remote_worldpay_test.rb

@@ -147,6 +147,50 @@ def setup
       transaction_id: '123456789',
       eci: '05'
     )
+
+    @aft_options = {
+      account_funding_transaction: true,
+      aft_type: 'A',
+      aft_payment_purpose: '01',
+      aft_sender_account_type: '02',
+      aft_sender_account_reference: '4111111111111112',
+      aft_sender_full_name: {
+        first: 'First',
+        middle: 'Middle',
+        last: 'Sender'
+      },
+      aft_sender_funding_address: {
+        address1: '123 Sender St',
+        address2: 'Apt 1',
+        postal_code: '12345',
+        city: 'Senderville',
+        state: 'NC',
+        country_code: 'US'
+      },
+      aft_recipient_account_type: '03',
+      aft_recipient_account_reference: '4111111111111111',
+      aft_recipient_full_name: {
+        first: 'First',
+        middle: 'Middle',
+        last: 'Recipient'
+      },
+      aft_recipient_funding_address: {
+        address1: '123 Recipient St',
+        address2: 'Apt 1',
+        postal_code: '12345',
+        city: 'Recipientville',
+        state: 'NC',
+        country_code: 'US'
+      },
+      aft_recipient_funding_data: {
+        telephone_number: '123456789',
+        birth_date: {
+          day_of_month: '01',
+          month: '01',
+          year: '1980'
+        }
+      }
+    }
   end
 
   def test_successful_purchase
@@ -921,6 +965,34 @@ def test_successful_mastercard_credit_on_cft_gateway
     assert_equal 'SUCCESS', credit.message
   end
 
+  def test_successful_visa_account_funding_transfer
+    credit = @gateway.credit(@amount, @credit_card, @options.merge(@aft_options))
+    assert_success credit
+    assert_equal 'SUCCESS', credit.message
+  end
+
+  def test_successful_visa_account_funding_transfer_via_token
+    assert store = @gateway.store(@credit_card, @store_options)
+    assert_success store
+
+    credit = @gateway.credit(@amount, store.authorization, @options.merge(@aft_options))
+    assert_success credit
+    assert_equal 'SUCCESS', credit.message
+  end
+
+  def test_failed_visa_account_funding_transfer
+    credit = @gateway.credit(@amount, credit_card('4111111111111111', name: 'REFUSED'), @options.merge(@aft_options))
+    assert_failure credit
+    assert_equal 'REFUSED', credit.message
+  end
+
+  def test_failed_visa_account_funding_transfer_acquirer_error
+    credit = @gateway.credit(@amount, credit_card('4111111111111111', name: 'ACQERROR'), @options.merge(@aft_options))
+    assert_failure credit
+    assert_equal 'ACQUIRER ERROR', credit.message
+    assert_equal '20', credit.error_code
+  end
+
   # These three fast_fund_credit tests are currently failing with the message: Disbursement transaction not supported
   # It seems that the current sandbox setup does not support testing this.