Class: ActiveMerchant::Billing::CreditCard

Inherits:
Model
  • Object
show all
Includes:
CreditCardMethods
Defined in:
lib/active_merchant/billing/credit_card.rb

Overview

A CreditCard object represents a physical credit card, and is capable of validating the various data associated with these.

At the moment, the following credit card types are supported:

  • Visa

  • MasterCard

  • Discover

  • American Express

  • Diner’s Club

  • JCB

  • Dankort

  • Maestro

  • Forbrugsforeningen

  • Sodexo

  • Vr

  • Carnet

  • Synchrony

  • Routex

  • Elo

  • Alelo

  • Cabal

  • Naranja

  • UnionPay

  • Alia

  • Olimpica

  • Creditel

  • Confiable

  • Mada

  • BpPlus

  • Passcard

  • Edenred

  • Anda

  • Creditos directos (Tarjeta D)

  • Panal

  • Verve

  • Tuya

  • UATP

For testing purposes, use the ‘bogus’ credit card brand. This skips the vast majority of validations, allowing you to focus on your core concerns until you’re ready to be more concerned with the details of particular credit cards or your gateway.

Testing With CreditCard

Often when testing we don’t care about the particulars of a given card brand. When using the ‘test’ mode in your Gateway, there are six different valid card numbers: 1, 2, 3, ‘success’, ‘fail’, and ‘error’.

For details, see ActiveMerchant::Billing::CreditCardMethods::ClassMethods#valid_number?

Example Usage

cc = CreditCard.new(
  :first_name         => 'Steve',
  :last_name          => 'Smith',
  :month              => '9',
  :year               => '2017',
  :brand              => 'visa',
  :number             => '4242424242424242',
  :verification_value => '424'
)

cc.validate # => {}
cc.display_number # => XXXX-XXXX-XXXX-4242

Direct Known Subclasses

NetworkTokenizationCreditCard

Defined Under Namespace

Classes: ExpiryDate

Constant Summary collapse

BRANDS_WITH_SPACES_IN_NUMBER = 
%w(bp_plus)
READ_METHOD_DESCRIPTIONS = 
{
  nil => 'A card reader was not used.',
  'fallback_no_chip' => 'Magstripe was read because the card has no chip.',
  'fallback_chip_error' => "Magstripe was read because the card's chip failed.",
  'contactless' => 'Data was read by a Contactless EMV kernel. Issuer script results are not available.',
  'contactless_magstripe' => 'Contactless data was read with a non-EMV protocol.',
  'contact' => 'Data was read using the EMV protocol. Issuer script results may follow.',
  'contact_quickchip' => 'Data was read by the Quickchip EMV kernel. Issuer script results are not available.'
}

Constants included from CreditCardMethods

ActiveMerchant::Billing::CreditCardMethods::ALELO_RANGES, ActiveMerchant::Billing::CreditCardMethods::CABAL_RANGES, ActiveMerchant::Billing::CreditCardMethods::CARD_COMPANY_DETECTORS, ActiveMerchant::Billing::CreditCardMethods::CARNET_BINS, ActiveMerchant::Billing::CreditCardMethods::CARNET_RANGES, ActiveMerchant::Billing::CreditCardMethods::CARTES_BANCAIRES_RANGES, ActiveMerchant::Billing::CreditCardMethods::ELECTRON_RANGES, ActiveMerchant::Billing::CreditCardMethods::ELO_RANGES, ActiveMerchant::Billing::CreditCardMethods::HIPERCARD_RANGES, ActiveMerchant::Billing::CreditCardMethods::JCB_RANGES, ActiveMerchant::Billing::CreditCardMethods::MADA_RANGES, ActiveMerchant::Billing::CreditCardMethods::MAESTRO_BINS, ActiveMerchant::Billing::CreditCardMethods::MAESTRO_RANGES, ActiveMerchant::Billing::CreditCardMethods::MASTERCARD_RANGES, ActiveMerchant::Billing::CreditCardMethods::NARANJA_RANGES, ActiveMerchant::Billing::CreditCardMethods::PANAL_RANGES, ActiveMerchant::Billing::CreditCardMethods::SODEXO_BINS, ActiveMerchant::Billing::CreditCardMethods::SODEXO_NO_LUHN, ActiveMerchant::Billing::CreditCardMethods::UNIONPAY_RANGES, ActiveMerchant::Billing::CreditCardMethods::VERVE_RANGES

Class Attribute Summary collapse

Instance Attribute Summary collapse

Class Method Summary collapse

Instance Method Summary collapse

Methods included from CreditCardMethods

#card_verification_value_length, #credit_card?, #electron?, in_bin_range?, included, #valid_card_verification_value?, #valid_expiry_year?, #valid_issue_number?, #valid_month?, #valid_start_year?

Methods inherited from Model

#initialize

Methods included from ActiveMerchant::Billing::Compatibility::Model

#errors, #valid?

Methods included from Rails::Model

#valid?

Constructor Details

This class inherits a constructor from ActiveMerchant::Billing::Model

Class Attribute Details

.require_name ⇒ Object

Returns the value of attribute require_name.



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# File 'lib/active_merchant/billing/credit_card.rb', line 79

def require_name
  @require_name
end

.require_verification_value ⇒ Object

Inherited, but can be overridden w/o changing parent’s value



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# File 'lib/active_merchant/billing/credit_card.rb', line 78

def require_verification_value
  @require_verification_value
end

Instance Attribute Details

#encrypted_pin_cryptogram ⇒ String

Returns the ciphertext of the card’s encrypted PIN.

Returns:

  • (String) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 237

def encrypted_pin_cryptogram
  @encrypted_pin_cryptogram
end

#encrypted_pin_ksn ⇒ String

Returns the Key Serial Number (KSN) of the card’s encrypted PIN.

Returns:

  • (String) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 242

def encrypted_pin_ksn
  @encrypted_pin_ksn
end

#first_name ⇒ String

Returns or sets the first name of the card holder.

Returns:

  • (String) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 161

def first_name
  @first_name
end

#icc_data ⇒ String

Returns or sets the ICC/ASN1 credit card data for a EMV transaction, typically this is a BER-encoded TLV string.

Returns:

  • (String) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 217

def icc_data
  @icc_data
end

#last_name ⇒ String

Returns or sets the last name of the card holder.

Returns:

  • (String) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 166

def last_name
  @last_name
end

#manual_entry ⇒ true, false

Returns or sets whether a card has been processed using manual entry.

This attribute is optional and is only used by gateways who use this information in their transaction risk calculations. See this page on ‘card not present’ transactions for further explanation and examples of this kind of transaction.

Returns:

  • (true, false) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 212

def manual_entry
  @manual_entry
end

#month ⇒ Integer (readonly)

Returns or sets the expiry month for the card.

Returns:

  • (Integer) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 97

def month
  @month
end

#number ⇒ String

Returns or sets the credit card number.

Returns:

  • (String) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 88

def number
  @number
end

#read_method ⇒ String

Returns or sets information about the source of the card data.

Returns:

  • (String) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 222

def read_method
  @read_method
end

#track_data ⇒ String

Returns or sets the track data for the card

Returns:

  • (String) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 203

def track_data
  @track_data
end

#verification_value ⇒ String

Returns or sets the card verification value.

This attribute is optional but recommended. The verification value is a card security code. If provided, the gateway will attempt to validate the value.

Returns:

  • (String) —

    the verification value



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# File 'lib/active_merchant/billing/credit_card.rb', line 175

def verification_value
  @verification_value
end

#year ⇒ Integer (readonly)

Returns or sets the expiry year for the card.

Returns:

  • (Integer) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 102

def year
  @year
end

Class Method Details

.requires_name? ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 354

def self.requires_name?
  require_name
end

.requires_verification_value? ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 350

def self.requires_verification_value?
  require_verification_value
end

Instance Method Details

#allow_spaces_in_card?(number = nil) ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 362

def allow_spaces_in_card?(number = nil)
  BRANDS_WITH_SPACES_IN_NUMBER.include?(self.class.brand?(self.number || number))
end

#brand ⇒ String

Returns or sets the credit card brand.

Valid card types are

  • ‘visa’

  • ‘master’

  • ‘discover’

  • ‘american_express’

  • ‘diners_club’

  • ‘jcb’

  • ‘dankort’

  • ‘maestro’

  • ‘forbrugsforeningen’

  • ‘sodexo’

  • ‘vr’

  • ‘carnet’

  • ‘synchrony’

  • ‘routex’

  • ‘elo’

  • ‘alelo’

  • ‘cabal’

  • ‘naranja’

  • ‘union_pay’

  • ‘alia’

  • ‘olimpica’

  • ‘creditel’

  • ‘confiable’

  • ‘mada’

  • ‘bp_plus’

  • ‘passcard’

  • ‘edenred’

  • ‘anda’

  • ‘tarjeta-d’

  • ‘panal’

  • ‘verve’

  • ‘tuya’

  • ‘uatp’

Or, if you wish to test your implementation, ‘bogus’.

Returns:

  • (String) —

    the credit card brand



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# File 'lib/active_merchant/billing/credit_card.rb', line 145

def brand
  if !defined?(@brand) || empty?(@brand)
    self.class.brand?(number)
  else
    @brand
  end
end

#brand=(value) ⇒ Object 



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# File 'lib/active_merchant/billing/credit_card.rb', line 153

def brand=(value)
  value = value && value.to_s.dup
  @brand = (value.respond_to?(:downcase) ? value.downcase : value)
end

#display_number ⇒ String

Returns a display-friendly version of the card number.

All but the last 4 numbers are replaced with an “X”, and hyphens are inserted in order to improve legibility.

Examples:

credit_card = CreditCard.new(:number => "2132542376824338")
credit_card.display_number  # "XXXX-XXXX-XXXX-4338"

Returns:

  • (String) —

    a display-friendly version of the card number



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# File 'lib/active_merchant/billing/credit_card.rb', line 323

def display_number
  self.class.mask(number)
end

#emv? ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 358

def emv?
  icc_data.present?
end

#expired? ⇒ Boolean

Returns whether the credit card has expired.

Returns:

  • (Boolean) —

    true if the card has expired, false otherwise



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# File 'lib/active_merchant/billing/credit_card.rb', line 264

def expired?
  expiry_date.expired?
end

#expiry_date ⇒ ExpiryDate

Provides proxy access to an expiry date object

Returns:



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# File 'lib/active_merchant/billing/credit_card.rb', line 257

def expiry_date
  ExpiryDate.new(@month, @year)
end

#first_digits ⇒ Object 



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# File 'lib/active_merchant/billing/credit_card.rb', line 327

def first_digits
  self.class.first_digits(number)
end

#first_name? ⇒ Boolean

Returns whether the first_name attribute has been set.

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 274

def first_name?
  first_name.present?
end

#last_digits ⇒ Object 



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# File 'lib/active_merchant/billing/credit_card.rb', line 331

def last_digits
  self.class.last_digits(number)
end

#last_name? ⇒ Boolean

Returns whether the last_name attribute has been set.

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 279

def last_name?
  last_name.present?
end

#name ⇒ String

Returns the full name of the card holder.

Returns:

  • (String) —

    the full name of the card holder



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# File 'lib/active_merchant/billing/credit_card.rb', line 286

def name
  "#{first_name} #{last_name}".strip
end

#name=(full_name) ⇒ Object 



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# File 'lib/active_merchant/billing/credit_card.rb', line 290

def name=(full_name)
  names = full_name.split
  self.last_name  = names.pop
  self.first_name = names.join(' ')
end

#name? ⇒ Boolean

Returns whether either the first_name or the last_name attributes has been set.

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 269

def name?
  first_name? || last_name?
end

#require_verification_value=(value) ⇒ Boolean

Sets if the credit card requires a verification value.

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 180

def require_verification_value=(value)
  @require_verification_value_set = true
  @require_verification_value = value
end

#requires_verification_value? ⇒ Boolean

Returns if this credit card needs a verification value.

By default this returns the configured value from ‘CreditCard.require_verification_value`, but one can set a per instance requirement with `credit_card.require_verification_value = false`.

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 191

def requires_verification_value?
  @require_verification_value_set ||= false
  if @require_verification_value_set
    @require_verification_value
  else
    self.class.requires_verification_value?
  end
end

#type ⇒ Object 



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# File 'lib/active_merchant/billing/credit_card.rb', line 244

def type
  ActiveMerchant.deprecated 'CreditCard#type is deprecated and will be removed from a future release of ActiveMerchant. Please use CreditCard#brand instead.'
  brand
end

#type=(value) ⇒ Object 



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# File 'lib/active_merchant/billing/credit_card.rb', line 249

def type=(value)
  ActiveMerchant.deprecated 'CreditCard#type is deprecated and will be removed from a future release of ActiveMerchant. Please use CreditCard#brand instead.'
  self.brand = value
end

#validate ⇒ Object

Validates the credit card details.

Any validation errors are added to the ActiveMerchant::Billing::Compatibility::Model#errors attribute.



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# File 'lib/active_merchant/billing/credit_card.rb', line 338

def validate
  errors = validate_essential_attributes + validate_verification_value

  # Bogus card is pretty much for testing purposes. Lets just skip these extra tests if its used
  return errors_hash(errors) if brand == 'bogus'

  errors_hash(
    errors +
    validate_card_brand_and_number
  )
end

#verification_value? ⇒ Boolean

Returns:

  • (Boolean) 


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# File 'lib/active_merchant/billing/credit_card.rb', line 309

def verification_value?
  !verification_value.blank?
end