Module: SEPA::Profiles::AT

Defined in:

lib/sepa_rator/profiles/at.rb

Overview

PSA (Payment Services Austria) / Stuzza profiles.

PSA publishes Austrian “Technical Validation Subsets” that tighten the ISO baseline with a minimum amount of 0.01 and (for v09+) structured postal addresses. The vendored XSDs live in ‘lib/schema/at/` (downloaded from zv.psa.at).

The original PSA XSDs use a STUZZA-specific targetNamespace (‘ISO:pain.:APC:STUZZA:payments:`); the vendored copies keep the ISO namespace because Austrian banks require the ISO namespace for transmission. XSD 1.1 `xs:assert` elements (cross-field checks already handled in Ruby) have been stripped from v09/v08 schemas so Nokogiri/libxml2 (XSD 1.0 only) can load them.

Constant Summary

VALIDATORS =

[Validators::MinAmount].freeze

FEATURES =

{
  min_amount: BigDecimal('0.01'),
  requires_structured_address: true
}.freeze

LEGACY_FEATURES =

PSA v03/v02 PostalAddress6 only supports Ctry + AdrLine, not the full structured fields — so we must not require structured addresses.

{
  min_amount: BigDecimal('0.01')
}.freeze

SCT_03 =

─── SEPA Credit Transfer ────────────────────────────────────────────

ProfileRegistry.register(
  EPC::SCT_03.with(id: 'at.sct.03', xsd_path: 'at/pain.001.001.03.at.004.xsd',
                   features: LEGACY_FEATURES, validators: VALIDATORS)
)

SCT_09 =

ProfileRegistry.register(
  EPC::SCT_09.with(id: 'at.sct.09', xsd_path: 'at/pain.001.001.09.at.005.xsd',
                   features: FEATURES, validators: VALIDATORS)
)

SCT_13 =

ProfileRegistry.register(
  EPC::SCT_13.with(id: 'at.sct.13', features: FEATURES, validators: VALIDATORS)
)

SDD_02 =

─── SEPA Direct Debit ───────────────────────────────────────────────

ProfileRegistry.register(
  EPC::SDD_02.with(id: 'at.sdd.02', xsd_path: 'at/pain.008.001.02.at.004.xsd',
                   features: LEGACY_FEATURES, validators: VALIDATORS)
)

SDD_08 =

ProfileRegistry.register(
  EPC::SDD_08.with(id: 'at.sdd.08', xsd_path: 'at/pain.008.001.08.at.004.xsd',
                   features: FEATURES, validators: VALIDATORS)
)

SDD_12 =

ProfileRegistry.register(
  EPC::SDD_12.with(id: 'at.sdd.12', features: FEATURES, validators: VALIDATORS)
)