NMI: Adding GooglePay and ApplePay (activemerchant#5146)

Description
-------------------------
This commit add support to create transaction with GooglePay and
ApplePay.
This payment methods are working for nmi_secure.

Unit test
-------------------------
Finished in 11.283174 seconds.

59 tests, 475 assertions, 0 failures, 0 errors, 0 pendings, 0 omissions, 0 notifications

100% passed

5.23 tests/s, 42.10 assertions/s

Remote test
-------------------------
Finished in 115.513346 seconds.

55 tests, 199 assertions, 12 failures, 0 errors, 0 pendings, 0 omissions, 0 notifications

78.1818% passed

0.48 tests/s, 1.72 assertions/s

Rubocop
-------------------------
798 files inspected, no offenses detected

Co-authored-by: Javier Pedroza <[email protected]>

lib/active_merchant/billing/gateways/nmi.rb

@@ -134,6 +134,7 @@ def scrub(transcript)
           gsub(%r((cvv=)\d+), '\1[FILTERED]').
           gsub(%r((checkaba=)\d+), '\1[FILTERED]').
           gsub(%r((checkaccount=)\d+), '\1[FILTERED]').
+          gsub(%r((cavv=)[^&\n]*), '\1[FILTERED]').
           gsub(%r((cryptogram=)[^&]+(&?)), '\1[FILTERED]\2')
       end
 
@@ -166,7 +167,7 @@ def add_payment_method(post, payment_method, options)
         elsif payment_method.is_a?(NetworkTokenizationCreditCard)
           post[:ccnumber] = payment_method.number
           post[:ccexp] = exp_date(payment_method)
-          post[:token_cryptogram] = payment_method.payment_cryptogram
+          add_network_token_fields(post, payment_method)
         elsif card_brand(payment_method) == 'check'
           post[:payment] = 'check'
           post[:firstname] = payment_method.first_name
@@ -187,6 +188,17 @@ def add_payment_method(post, payment_method, options)
         end
       end
 
+      def add_network_token_fields(post, payment_method)
+        if payment_method.source == :apple_pay || payment_method.source == :google_pay
+          post[:cavv] = payment_method.payment_cryptogram
+          post[:eci] = payment_method.eci
+          post[:decrypted_applepay_data] = 1
+          post[:decrypted_googlepay_data] = 1
+        else
+          post[:token_cryptogram] = payment_method.payment_cryptogram
+        end
+      end
+
       def add_stored_credential(post, options)
         return unless (stored_credential = options[:stored_credential])
 

test/remote/gateways/remote_nmi_test.rb

@@ -10,15 +10,26 @@ def setup
       routing_number: '123123123',
       account_number: '123123123'
     )
-    @apple_pay_card = network_tokenization_credit_card(
+    @apple_pay = network_tokenization_credit_card(
       '4111111111111111',
       payment_cryptogram: 'EHuWW9PiBkWvqE5juRwDzAUFBAk=',
       month: '01',
-      year: '2024',
+      year: Time.new.year + 2,
       source: :apple_pay,
       eci: '5',
       transaction_id: '123456789'
     )
+
+    @google_pay = network_tokenization_credit_card(
+      '4111111111111111',
+      payment_cryptogram: 'EHuWW9PiBkWvqE5juRwDzAUFBAk=',
+      month: '01',
+      year: Time.new.year + 2,
+      source: :google_pay,
+      transaction_id: '123456789',
+      eci: '05'
+    )
+
     @options = {
       order_id: generate_unique_id,
       billing_address: address,
@@ -130,17 +141,33 @@ def test_failed_purchase_with_echeck
     assert_equal 'FAILED', response.message
   end
 
-  def test_successful_purchase_with_apple_pay_card
-    assert @gateway.supports_network_tokenization?
-    assert response = @gateway.purchase(@amount, @apple_pay_card, @options)
+  def test_successful_purchase_with_apple_pay
+    assert @gateway_secure.supports_network_tokenization?
+    assert response = @gateway_secure.purchase(@amount, @apple_pay, @options)
+    assert_success response
+    assert response.test?
+    assert_equal 'Succeeded', response.message
+    assert response.authorization
+  end
+
+  def test_successful_purchase_with_google_pay
+    assert @gateway_secure.supports_network_tokenization?
+    assert response = @gateway_secure.purchase(@amount, @google_pay, @options)
     assert_success response
     assert response.test?
     assert_equal 'Succeeded', response.message
     assert response.authorization
   end
 
-  def test_failed_purchase_with_apple_pay_card
-    assert response = @gateway.purchase(99, @apple_pay_card, @options)
+  def test_failed_purchase_with_apple_pay
+    assert response = @gateway_secure.purchase(1, @apple_pay, @options)
+    assert_failure response
+    assert response.test?
+    assert_equal 'DECLINE', response.message
+  end
+
+  def test_failed_purchase_with_google_pay
+    assert response = @gateway_secure.purchase(1, @google_pay, @options)
     assert_failure response
     assert response.test?
     assert_equal 'DECLINE', response.message
@@ -482,12 +509,23 @@ def test_check_transcript_scrubbing
 
   def test_network_tokenization_transcript_scrubbing
     transcript = capture_transcript(@gateway) do
-      @gateway.purchase(@amount, @apple_pay_card, @options)
+      @gateway.purchase(@amount, @apple_pay, @options)
     end
     clean_transcript = @gateway.scrub(transcript)
 
-    assert_scrubbed(@apple_pay_card.number, clean_transcript)
-    assert_scrubbed(@apple_pay_card.payment_cryptogram, clean_transcript)
+    assert_scrubbed(@apple_pay.number, clean_transcript)
+    assert_scrubbed(@apple_pay.payment_cryptogram, clean_transcript)
+    assert_password_scrubbed(clean_transcript)
+  end
+
+  def test_transcript_scrubbing_with_google_pay
+    transcript = capture_transcript(@gateway) do
+      @gateway.purchase(@amount, @google_pay, @options)
+    end
+
+    clean_transcript = @gateway.scrub(transcript)
+    assert_scrubbed(@apple_pay.number, clean_transcript)
+    assert_scrubbed(@apple_pay.payment_cryptogram, clean_transcript)
     assert_password_scrubbed(clean_transcript)
   end
 

test/unit/gateways/nmi_test.rb

@@ -29,6 +29,52 @@ def setup
       descriptor_merchant_id: '120',
       descriptor_url: 'url'
     }
+
+    @google_pay = network_tokenization_credit_card(
+      '4111111111111111',
+      brand: 'visa',
+      eci: '05',
+      month: '02',
+      year: '2035',
+      source: :google_pay,
+      payment_cryptogram: 'EHuWW9PiBkWvqE5juRwDzAUFBAk=',
+      transaction_id: '13456789'
+    )
+
+    @apple_pay = network_tokenization_credit_card(
+      '4111111111111111',
+      brand: 'visa',
+      eci: '05',
+      month: '02',
+      year: '2035',
+      source: :apple_pay,
+      payment_cryptogram: 'EHuWW9PiBkWvqE5juRwDzAUFBAk=',
+      transaction_id: '13456789'
+    )
+  end
+
+  def test_successful_apple_pay_purchase
+    stub_comms do
+      @gateway.purchase(@amount, @apple_pay)
+    end.check_request do |_endpoint, data, _headers|
+      assert_match(/type=sale/, data)
+      assert_match(/ccnumber=4111111111111111/, data)
+      assert_match(/ccexp=#{sprintf("%.2i", @apple_pay.month)}#{@apple_pay.year.to_s[-2..-1]}/, data)
+      assert_match(/cavv=EHuWW9PiBkWvqE5juRwDzAUFBAk%3D/, data)
+      assert_match(/eci=05/, data)
+    end.respond_with(successful_purchase_response)
+  end
+
+  def test_successful_google_pay_purchase
+    stub_comms do
+      @gateway.purchase(@amount, @google_pay)
+    end.check_request do |_endpoint, data, _headers|
+      assert_match(/type=sale/, data)
+      assert_match(/ccnumber=4111111111111111/, data)
+      assert_match(/ccexp=#{sprintf("%.2i", @google_pay.month)}#{@google_pay.year.to_s[-2..-1]}/, data)
+      assert_match(/cavv=EHuWW9PiBkWvqE5juRwDzAUFBAk%3D/, data)
+      assert_match(/eci=05/, data)
+    end.respond_with(successful_purchase_response)
   end
 
   def test_successful_authorize_and_capture_using_security_key