Module: SEPA::Profiles::GB

Defined in:

lib/sepa_rator/profiles/gb.rb

Overview

United Kingdom (GB) profiles for CHAPS (high-value GBP payments) and SEPA (EUR payments). Composes from ISO directly — not EPC — because CHAPS uses GBP and permits charge bearers beyond SLEV.

No UK-specific XSD exists; the ISO baseline XSDs apply.

Constant Summary

GB_CURRENCIES =

%w[EUR GBP].freeze

CT_GB_RULES =

EUR: SEPA rules (SLEV, service_level SEPA). GBP: CHAPS-permissive (any charge_bearer, service_level nil or URGP).

lambda do |txn, _profile|
  return false unless GB_CURRENCIES.include?(txn.currency)

  if txn.currency == 'EUR'
    (txn.charge_bearer.nil? || txn.charge_bearer == 'SLEV') &&
      txn.service_level == 'SEPA'
  else # GBP
    txn.service_level.nil? || txn.service_level == 'URGP'
  end
end

DD_GB_RULES =

SEPA Direct Debit is EUR-only. GBP direct debits use Bacs (Standard 18 format), which is outside the scope of this gem.

lambda do |txn, _profile|
  txn.instruction_priority.nil? &&
    (txn.charge_bearer.nil? || txn.charge_bearer == 'SLEV') &&
    txn.currency == 'EUR' &&
    ISO::DD_V1_SEQUENCE_TYPES.include?(txn.sequence_type) &&
    %w[CORE B2B].include?(txn.local_instrument)
end

FEATURES =

{
  requires_structured_address: true,
  requires_country_code_on_address: true
}.freeze

SCT_03 =

── Credit Transfer ────────────────────────────────────────

ProfileRegistry.register(
  ISO::SCT_03.with(id: 'gb.sct.03', features: FEATURES, accept_transaction: CT_GB_RULES)
)

SCT_09 =

ProfileRegistry.register(
  ISO::SCT_09.with(id: 'gb.sct.09', features: FEATURES, accept_transaction: CT_GB_RULES)
)

SCT_13 =

ProfileRegistry.register(
  ISO::SCT_13.with(id: 'gb.sct.13', features: FEATURES, accept_transaction: CT_GB_RULES)
)

SDD_02 =

── Direct Debit ───────────────────────────────────────────

ProfileRegistry.register(
  ISO::SDD_02.with(id: 'gb.sdd.02', features: FEATURES, accept_transaction: DD_GB_RULES)
)

SDD_08 =

ProfileRegistry.register(
  ISO::SDD_08.with(id: 'gb.sdd.08', features: FEATURES, accept_transaction: DD_GB_RULES)
)

SDD_12 =

ProfileRegistry.register(
  ISO::SDD_12.with(id: 'gb.sdd.12', features: FEATURES, accept_transaction: DD_GB_RULES)
)