MercadoPago: Adding 3DS gateway specific fields

lib/active_merchant/billing/gateways/mercado_pago.rb

@@ -105,7 +105,8 @@ def purchase_request(money, payment, options = {})
         add_net_amount(post, options)
         add_taxes(post, options)
         add_notification_url(post, options)
-        post[:binary_mode] = (options[:binary_mode].nil? ? true : options[:binary_mode])
+        add_3ds(post, options)
+        post[:binary_mode] = options.fetch(:binary_mode, true) unless options[:execute_threed]
         post
       end
 
@@ -287,7 +288,7 @@ def success_from(action, response)
         if action == 'refund'
           response['status'] != 404 && response['error'].nil?
         else
-          %w[active approved authorized cancelled in_process].include?(response['status'])
+          %w[active approved authorized cancelled in_process pending].include?(response['status'])
         end
       end
 
@@ -322,6 +323,13 @@ def error_code_from(action, response)
         end
       end
 
+      def add_3ds(post, options)
+        return unless options[:execute_threed]
+
+        post[:three_d_secure_mode] = options[:three_ds_mode] == 'mandatory' ? 'mandatory' : 'optional'
+        post[:notification_url] = options[:notification_url] if options[:notification_url]
+      end
+
       def url(action)
         full_url = (test? ? test_url : live_url)
         full_url + "/#{action}?access_token=#{CGI.escape(@options[:access_token])}"

test/remote/gateways/remote_mercado_pago_test.rb

@@ -38,7 +38,7 @@ def setup
     @options = {
       billing_address: address,
       shipping_address: address,
-      email: 'user+br@example.com',
+      email: 'test_user_1390220683@testuser.com',
       description: 'Store Purchase'
     }
     @processing_options = {
@@ -363,4 +363,17 @@ def test_transcript_scrubbing
     assert_scrubbed(@credit_card.verification_value, transcript)
     assert_scrubbed(@gateway.options[:access_token], transcript)
   end
+
+  def test_successful_purchase_with_3ds
+    three_ds_cc = credit_card('5483928164574623', verification_value: '123', month: 11, year: 2025)
+    @options[:execute_threed] = true
+
+    response = @gateway.purchase(290, three_ds_cc, @options)
+
+    assert_success response
+    assert_equal 'pending_challenge', response.message
+    assert_include response.params, 'three_ds_info'
+    assert_equal response.params['three_ds_info']['external_resource_url'], 'https://api.mercadopago.com/cardholder_authenticator/v2/prod/browser-challenges'
+    assert_include response.params['three_ds_info'], 'creq'
+  end
 end

test/unit/gateways/mercado_pago_test.rb

@@ -40,9 +40,13 @@ def setup
   end
 
   def test_successful_purchase
-    @gateway.expects(:ssl_post).at_most(2).returns(successful_purchase_response)
+    response = stub_comms do
+      @gateway.purchase(@amount, @credit_card, @options)
+    end.check_request do |endpoint, data, _headers|
+      request = JSON.parse(data)
+      assert_equal true, request['binary_mode'] if /payments/.match?(endpoint)
+    end.respond_with(successful_purchase_response)
 
-    response = @gateway.purchase(@amount, @credit_card, @options)
     assert_success response
 
     assert_equal '4141491|1.0', response.authorization
@@ -499,6 +503,15 @@ def test_invalid_taxes_shape
     end
   end
 
+  def test_set_binary_mode_to_nil_when_request_is_3ds
+    stub_comms do
+      @gateway.authorize(@amount, @credit_card, @options.merge(execute_threed: true))
+    end.check_request do |endpoint, data, _headers|
+      request = JSON.parse(data)
+      assert_nil request['binary_mode'] if /payments/.match?(endpoint)
+    end.respond_with(successful_authorize_response)
+  end
+
   private
 
   def pre_scrubbed