diff --git a/lib/mangopay.rb b/lib/mangopay.rb
index 6347e15..7c4e476 100644
--- a/lib/mangopay.rb
+++ b/lib/mangopay.rb
@@ -44,6 +44,7 @@ module MangoPay
   autoload :Ubo, 'mangopay/ubo'
   autoload :Regulatory, 'mangopay/regulatory'
   autoload :Deposit, 'mangopay/deposit'
+  autoload :InstantConversion, 'mangopay/instant_conversion'
 
   # temporary
   autoload :Temp, 'mangopay/temp'
diff --git a/lib/mangopay/instant_conversion.rb b/lib/mangopay/instant_conversion.rb
new file mode 100644
index 0000000..a437059
--- /dev/null
+++ b/lib/mangopay/instant_conversion.rb
@@ -0,0 +1,24 @@
+module MangoPay
+
+  class InstantConversion < Resource
+    include HTTPCalls::Fetch
+    include HTTPCalls::Update
+
+    class << self
+      def get_rate(debited_currency, credited_currency, params)
+        url = "#{MangoPay.api_path}/conversion/rate/#{debited_currency}/#{credited_currency}"
+        MangoPay.request(:get, url, params)
+      end
+
+      def create(params)
+        url = "#{MangoPay.api_path}/instant-conversion"
+        MangoPay.request(:post, url, params)
+      end
+
+      def get(id, params)
+        url = "#{MangoPay.api_path}/instant-conversion/#{id}"
+        MangoPay.request(:get, url, params)
+      end
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/mangopay/instant_conversion_spec.rb b/spec/mangopay/instant_conversion_spec.rb
new file mode 100644
index 0000000..0daf2f2
--- /dev/null
+++ b/spec/mangopay/instant_conversion_spec.rb
@@ -0,0 +1,33 @@
+describe MangoPay::InstantConversion, type: :feature do
+  include_context 'instant_conversion'
+
+  describe 'GET CONVERSION RATE' do
+    it 'get a conversion rate' do
+      conversion_rate = get_conversion_rate('EUR','GBP')
+
+      expect(conversion_rate['ClientRate']).not_to be_nil
+      expect(conversion_rate['MarketRate']).not_to be_nil
+    end
+  end
+
+  describe 'CREATE CONVERSION' do
+    it 'creates a new conversion' do
+      conversion = create_instant_conversion
+
+      expect(conversion['DebitedFunds']['Amount']).not_to be_nil
+      expect(conversion['CreditedFunds']['Amount']).not_to be_nil
+      expect(conversion['Status']).equal? 'SUCCEEDED'
+    end
+  end
+
+  describe 'GET EXISTING CONVERSION' do
+    it 'get an existing conversion' do
+      conversion = create_instant_conversion
+      returned_conversion = get_instant_conversion(conversion['Id'])
+
+      expect(returned_conversion['DebitedFunds']['Amount']).not_to be_nil
+      expect(returned_conversion['CreditedFunds']['Amount']).not_to be_nil
+      expect(returned_conversion['Status']).equal? 'SUCCEEDED'
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/mangopay/shared_resources.rb b/spec/mangopay/shared_resources.rb
index a869cf1..cbf7395 100644
--- a/spec/mangopay/shared_resources.rb
+++ b/spec/mangopay/shared_resources.rb
@@ -6,24 +6,24 @@
 
   def define_new_natural_user
     {
-        Tag: 'Test natural user',
-        Email: 'my@email.com',
-        FirstName: 'John',
-        LastName: 'Doe',
-        Address: {
-            AddressLine1: 'Le Palais Royal',
-            AddressLine2: '8 Rue de Montpensier',
-            City: 'Paris',
-            Region: '',
-            PostalCode: '75001',
-            Country: 'FR'
-        },
-        Birthday: 1_300_186_358,
-        Birthplace: 'Paris',
-        Nationality: 'FR',
-        CountryOfResidence: 'FR',
-        Occupation: 'Worker',
-        IncomeRange: 1
+      Tag: 'Test natural user',
+      Email: 'my@email.com',
+      FirstName: 'John',
+      LastName: 'Doe',
+      Address: {
+        AddressLine1: 'Le Palais Royal',
+        AddressLine2: '8 Rue de Montpensier',
+        City: 'Paris',
+        Region: '',
+        PostalCode: '75001',
+        Country: 'FR'
+      },
+      Birthday: 1_300_186_358,
+      Birthplace: 'Paris',
+      Nationality: 'FR',
+      CountryOfResidence: 'FR',
+      Occupation: 'Worker',
+      IncomeRange: 1
     }
   end
 
@@ -33,35 +33,35 @@ def create_new_natural_user
 
   let(:new_legal_user) do
     MangoPay::LegalUser.create(
-        Name: 'Super',
-        Email: 'super@email.com',
-        LegalPersonType: 'BUSINESS',
-        HeadquartersAddress: {
-            AddressLine1: '6 Parvis Notre-Dame',
-            AddressLine2: 'Pl. Jean-Paul II',
-            City: 'Paris',
-            Region: 'FR',
-            PostalCode: '75004',
-            Country: 'FR'
-        },
-        LegalRepresentativeFirstName: 'John',
-        LegalRepresentativeLastName: 'Doe',
-        LegalRepresentativeAdress: {
-            AddressLine1: '38 Rue de Montpensier',
-            AddressLine2: '',
-            City: 'Paris',
-            Region: '',
-            PostalCode: '75001',
-            Country: 'FR'
-        },
-        LegalRepresentativeEmail: 'john@doe.com',
-        LegalRepresentativeBirthday: 1_300_186_358,
-        LegalRepresentativeNationality: 'FR',
-        LegalRepresentativeCountryOfResidence: 'FR',
-        CompanyNumber: 'LU123456789',
-        Statute: '',
-        ProofOfRegistration: '',
-        ShareholderDeclaration: ''
+      Name: 'Super',
+      Email: 'super@email.com',
+      LegalPersonType: 'BUSINESS',
+      HeadquartersAddress: {
+        AddressLine1: '6 Parvis Notre-Dame',
+        AddressLine2: 'Pl. Jean-Paul II',
+        City: 'Paris',
+        Region: 'FR',
+        PostalCode: '75004',
+        Country: 'FR'
+      },
+      LegalRepresentativeFirstName: 'John',
+      LegalRepresentativeLastName: 'Doe',
+      LegalRepresentativeAdress: {
+        AddressLine1: '38 Rue de Montpensier',
+        AddressLine2: '',
+        City: 'Paris',
+        Region: '',
+        PostalCode: '75001',
+        Country: 'FR'
+      },
+      LegalRepresentativeEmail: 'john@doe.com',
+      LegalRepresentativeBirthday: 1_300_186_358,
+      LegalRepresentativeNationality: 'FR',
+      LegalRepresentativeCountryOfResidence: 'FR',
+      CompanyNumber: 'LU123456789',
+      Statute: '',
+      ProofOfRegistration: '',
+      ShareholderDeclaration: ''
     )
   end
 end
@@ -76,10 +76,10 @@ def create_new_natural_user
 
   def create_new_wallet(user)
     MangoPay::Wallet.create(
-        Owners: [user['Id']],
-        Description: 'A test wallet',
-        Currency: 'EUR',
-        Tag: 'Test wallet'
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'EUR',
+      Tag: 'Test wallet'
     )
   end
 
@@ -98,22 +98,22 @@ def wallets_reload_and_check_amounts(wlt1, amnt1, wlt2 = nil, amnt2 = nil)
 shared_context 'ubo' do
   def new_ubo(user, ubo_declaration)
     ubo = {
-        FirstName: 'John',
-        LastName: 'Doe',
-        Address: {
-            AddressLine1: '6 Parvis Notre-Dame',
-            AddressLine2: 'Pl. Jean-Paul II',
-            City: 'Paris',
-            Region: '',
-            PostalCode: '75004',
-            Country: 'FR'
-        },
-        Nationality: 'FR',
-        Birthday: 1_300_186_358,
-        Birthplace: {
-            City: 'Paris',
-            Country: 'FR'
-        }
+      FirstName: 'John',
+      LastName: 'Doe',
+      Address: {
+        AddressLine1: '6 Parvis Notre-Dame',
+        AddressLine2: 'Pl. Jean-Paul II',
+        City: 'Paris',
+        Region: '',
+        PostalCode: '75004',
+        Country: 'FR'
+      },
+      Nationality: 'FR',
+      Birthday: 1_300_186_358,
+      Birthplace: {
+        City: 'Paris',
+        Country: 'FR'
+      }
     }
     MangoPay::Ubo.create(user['Id'], ubo_declaration['Id'], ubo)
   end
@@ -129,12 +129,12 @@ def new_ubo(user, ubo_declaration)
                                  Type: 'IBAN',
                                  OwnerName: 'John',
                                  OwnerAddress: {
-                                     AddressLine1: 'Le Palais Royal',
-                                     AddressLine2: '8 Rue de Montpensier',
-                                     City: 'Paris',
-                                     Region: '',
-                                     PostalCode: '75001',
-                                     Country: 'FR'
+                                   AddressLine1: 'Le Palais Royal',
+                                   AddressLine2: '8 Rue de Montpensier',
+                                   City: 'Paris',
+                                   Region: '',
+                                   PostalCode: '75001',
+                                   Country: 'FR'
                                  },
                                  IBAN: 'FR7630004000031234567890143',
                                  BIC: 'BNPAFRPP',
@@ -151,10 +151,10 @@ def new_ubo(user, ubo_declaration)
 
   def create_new_mandate
     MangoPay::Mandate.create(
-        BankAccountId: new_bank_account['Id'],
-        Culture: 'FR',
-        ReturnURL: MangoPay.configuration.root_url,
-        Tag: 'Test mandate'
+      BankAccountId: new_bank_account['Id'],
+      Culture: 'FR',
+      ReturnURL: MangoPay.configuration.root_url,
+      Tag: 'Test mandate'
     )
   end
 end
@@ -186,15 +186,15 @@ def create_new_document(user)
 
   let(:new_payin_directdebit_web) do
     MangoPay::PayIn::DirectDebit::Web.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: new_wallet['Owners'][0],
-        CreditedWalletId: new_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: 1000},
-        Fees: {Currency: 'EUR', Amount: 0},
-        DirectDebitType: 'GIROPAY',
-        ReturnURL: MangoPay.configuration.root_url,
-        Culture: 'FR',
-        Tag: 'Test PayIn/DirectDebit/Web'
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      DirectDebitType: 'GIROPAY',
+      ReturnURL: MangoPay.configuration.root_url,
+      Culture: 'FR',
+      Tag: 'Test PayIn/DirectDebit/Web'
     )
   end
 
@@ -204,14 +204,14 @@ def create_new_document(user)
 
   let(:new_payin_paypal_web) do
     MangoPay::PayIn::PayPal::Web.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: new_wallet['Owners'][0],
-        CreditedWalletId: new_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: 1000},
-        Fees: {Currency: 'EUR', Amount: 0},
-        ReturnURL: MangoPay.configuration.root_url,
-        Culture: "FR",
-        Tag: 'Test PayIn/PayPal/Web'
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      ReturnURL: MangoPay.configuration.root_url,
+      Culture: "FR",
+      Tag: 'Test PayIn/PayPal/Web'
     )
   end
 
@@ -221,13 +221,13 @@ def create_new_document(user)
 
   let(:new_payin_payconiq_web) do
     MangoPay::PayIn::Payconiq::Web.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedWalletId: new_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: 100},
-        Fees: {Currency: 'EUR', Amount: 0},
-        ReturnURL: MangoPay.configuration.root_url,
-        Country: "BE",
-        Tag: 'Custom Meta'
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 100 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      ReturnURL: MangoPay.configuration.root_url,
+      Country: "BE",
+      Tag: 'Custom Meta'
     )
   end
 
@@ -237,20 +237,20 @@ def create_new_document(user)
 
   let(:new_payin_applepay_direct) do
     MangoPay::PayIn::ApplePay::Direct.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: new_wallet['Owners'][0],
-        CreditedWalletId: new_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: 199},
-        Fees: {Currency: 'EUR', Amount: 1},
-        PaymentType: 'APPLEPAY',
-        PaymentData: {
-            TransactionId: '061EB32181A2D9CA42AD16031B476EEBAA62A9A095AD660E2759FBA52B51A61',
-            Network: 'VISA',
-            TokenData: "{\"version\":\"EC_v1\",\"data\":\"w4HMBVqNC9ghPP4zncTA\\/0oQAsduERfsx78oxgniynNjZLANTL6+0koEtkQnW\\/K38Zew8qV1GLp+fLHo+qCBpiKCIwlz3eoFBTbZU+8pYcjaeIYBX9SOxcwxXsNGrGLk+kBUqnpiSIPaAG1E+WPT8R1kjOCnGvtdombvricwRTQkGjtovPfzZo8LzD3ZQJnHMsWJ8QYDLyr\\/ZN9gtLAtsBAMvwManwiaG3pOIWpyeOQOb01YcEVO16EZBjaY4x4C\\/oyFLWDuKGvhbJwZqWh1d1o9JT29QVmvy3Oq2JEjq3c3NutYut4rwDEP4owqI40Nb7mP2ebmdNgnYyWfPmkRfDCRHIWtbMC35IPg5313B1dgXZ2BmyZRXD5p+mr67vAk7iFfjEpu3GieFqwZrTl3\\/pI5V8Sxe3SIYKgT5Hr7ow==\",\"signature\":\"MIAGCSqGSIb3DQEHAqCAMIACAQExDzANBglghkgBZQMEAgEFADCABgkqhkiG9w0BBwEAAKCAMIID5jCCA4ugAwIBAgIIaGD2mdnMpw8wCgYIKoZIzj0EAwIwejEuMCwGA1UEAwwlQXBwbGUgQXBwbGljYXRpb24gSW50ZWdyYXRpb24gQ0EgLSBHMzEmMCQGA1UECwwdQXBwbGUgQ2VydGlmaWNhdGlvbiBBdXRob3JpdHkxEzARBgNVBAoMCkFwcGxlIEluYy4xCzAJBgNVBAYTAlVTMB4XDTE2MDYwMzE4MTY0MFoXDTIxMDYwMjE4MTY0MFowYjEoMCYGA1UEAwwfZWNjLXNtcC1icm9rZXItc2lnbl9VQzQtU0FOREJPWDEUMBIGA1UECwwLaU9TIFN5c3RlbXMxEzARBgNVBAoMCkFwcGxlIEluYy4xCzAJBgNVBAYTAlVTMFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEgjD9q8Oc914gLFDZm0US5jfiqQHdbLPgsc1LUmeY+M9OvegaJajCHkwz3c6OKpbC9q+hkwNFxOh6RCbOlRsSlaOCAhEwggINMEUGCCsGAQUFBwEBBDkwNzA1BggrBgEFBQcwAYYpaHR0cDovL29jc3AuYXBwbGUuY29tL29jc3AwNC1hcHBsZWFpY2EzMDIwHQYDVR0OBBYEFAIkMAua7u1GMZekplopnkJxghxFMAwGA1UdEwEB\\/wQCMAAwHwYDVR0jBBgwFoAUI\\/JJxE+T5O8n5sT2KGw\\/orv9LkswggEdBgNVHSAEggEUMIIBEDCCAQwGCSqGSIb3Y2QFATCB\\/jCBwwYIKwYBBQUHAgIwgbYMgbNSZWxpYW5jZSBvbiB0aGlzIGNlcnRpZmljYXRlIGJ5IGFueSBwYXJ0eSBhc3N1bWVzIGFjY2VwdGFuY2Ugb2YgdGhlIHRoZW4gYXBwbGljYWJsZSBzdGFuZGFyZCB0ZXJtcyBhbmQgY29uZGl0aW9ucyBvZiB1c2UsIGNlcnRpZmljYXRlIHBvbGljeSBhbmQgY2VydGlmaWNhdGlvbiBwcmFjdGljZSBzdGF0ZW1lbnRzLjA2BggrBgEFBQcCARYqaHR0cDovL3d3dy5hcHBsZS5jb20vY2VydGlmaWNhdGVhdXRob3JpdHkvMDQGA1UdHwQtMCswKaAnoCWGI2h0dHA6Ly9jcmwuYXBwbGUuY29tL2FwcGxlYWljYTMuY3JsMA4GA1UdDwEB\\/wQEAwIHgDAPBgkqhkiG92NkBh0EAgUAMAoGCCqGSM49BAMCA0kAMEYCIQDaHGOui+X2T44R6GVpN7m2nEcr6T6sMjOhZ5NuSo1egwIhAL1a+\\/hp88DKJ0sv3eT3FxWcs71xmbLKD\\/QJ3mWagrJNMIIC7jCCAnWgAwIBAgIISW0vvzqY2pcwCgYIKoZIzj0EAwIwZzEbMBkGA1UEAwwSQXBwbGUgUm9vdCBDQSAtIEczMSYwJAYDVQQLDB1BcHBsZSBDZXJ0aWZpY2F0aW9uIEF1dGhvcml0eTETMBEGA1UECgwKQXBwbGUgSW5jLjELMAkGA1UEBhMCVVMwHhcNMTQwNTA2MjM0NjMwWhcNMjkwNTA2MjM0NjMwWjB6MS4wLAYDVQQDDCVBcHBsZSBBcHBsaWNhdGlvbiBJbnRlZ3JhdGlvbiBDQSAtIEczMSYwJAYDVQQLDB1BcHBsZSBDZXJ0aWZpY2F0aW9uIEF1dGhvcml0eTETMBEGA1UECgwKQXBwbGUgSW5jLjELMAkGA1UEBhMCVVMwWTATBgcqhkjOPQIBBggqhkjOPQMBBwNCAATwFxGEGddkhdUaXiWBB3bogKLv3nuuTeCN\\/EuT4TNW1WZbNa4i0Jd2DSJOe7oI\\/XYXzojLdrtmcL7I6CmE\\/1RFo4H3MIH0MEYGCCsGAQUFBwEBBDowODA2BggrBgEFBQcwAYYqaHR0cDovL29jc3AuYXBwbGUuY29tL29jc3AwNC1hcHBsZXJvb3RjYWczMB0GA1UdDgQWBBQj8knET5Pk7yfmxPYobD+iu\\/0uSzAPBgNVHRMBAf8EBTADAQH\\/MB8GA1UdIwQYMBaAFLuw3qFYM4iapIqZ3r6966\\/ayySrMDcGA1UdHwQwMC4wLKAqoCiGJmh0dHA6Ly9jcmwuYXBwbGUuY29tL2FwcGxlcm9vdGNhZzMuY3JsMA4GA1UdDwEB\\/wQEAwIBBjAQBgoqhkiG92NkBgIOBAIFADAKBggqhkjOPQQDAgNnADBkAjA6z3KDURaZsYb7NcNWymK\\/9Bft2Q91TaKOvvGcgV5Ct4n4mPebWZ+Y1UENj53pwv4CMDIt1UQhsKMFd2xd8zg7kGf9F3wsIW2WT8ZyaYISb1T4en0bmcubCYkhYQaZDwmSHQAAMYIBizCCAYcCAQEwgYYwejEuMCwGA1UEAwwlQXBwbGUgQXBwbGljYXRpb24gSW50ZWdyYXRpb24gQ0EgLSBHMzEmMCQGA1UECwwdQXBwbGUgQ2VydGlmaWNhdGlvbiBBdXRob3JpdHkxEzARBgNVBAoMCkFwcGxlIEluYy4xCzAJBgNVBAYTAlVTAghoYPaZ2cynDzANBglghkgBZQMEAgEFAKCBlTAYBgkqhkiG9w0BCQMxCwYJKoZIhvcNAQcBMBwGCSqGSIb3DQEJBTEPFw0xOTA1MjMxMTA1MDdaMCoGCSqGSIb3DQEJNDEdMBswDQYJYIZIAWUDBAIBBQChCgYIKoZIzj0EAwIwLwYJKoZIhvcNAQkEMSIEIIvfGVQYBeOilcB7GNI8m8+FBVZ28QfA6BIXaggBja2PMAoGCCqGSM49BAMCBEYwRAIgU01yYfjlx9bvGeC5CU2RS5KBEG+15HH9tz\\/sg3qmQ14CID4F4ZJwAz+tXAUcAIzoMpYSnM8YBlnGJSTSp+LhspenAAAAAAAA\",\"header\":{\"ephemeralPublicKey\":\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAE0rs3wRpirXjPbFDQfPRdfEzRIZDWm0qn7Y0HB0PNzV1DDKfpYrnhRb4GEhBF\\/oEXBOe452PxbCnN1qAlqcSUWw==\",\"publicKeyHash\":\"saPRAqS7TZ4bAYwzBj8ezDDC55ZolyH1FL+Xc8fd93o=\",\"transactionId\":\"b061eb32181a2d9ca42ad16031b476eebaa62a9a095ad660e2759fba52b51a61\"}}"
-        },
-        StatementDescriptor: "php",
-        ReturnURL: MangoPay.configuration.root_url,
-        Tag: 'Test PayIn/ApplePay/Direct'
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
+      PaymentType: 'APPLEPAY',
+      PaymentData: {
+        TransactionId: '061EB32181A2D9CA42AD16031B476EEBAA62A9A095AD660E2759FBA52B51A61',
+        Network: 'VISA',
+        TokenData: "{\"version\":\"EC_v1\",\"data\":\"w4HMBVqNC9ghPP4zncTA\\/0oQAsduERfsx78oxgniynNjZLANTL6+0koEtkQnW\\/K38Zew8qV1GLp+fLHo+qCBpiKCIwlz3eoFBTbZU+8pYcjaeIYBX9SOxcwxXsNGrGLk+kBUqnpiSIPaAG1E+WPT8R1kjOCnGvtdombvricwRTQkGjtovPfzZo8LzD3ZQJnHMsWJ8QYDLyr\\/ZN9gtLAtsBAMvwManwiaG3pOIWpyeOQOb01YcEVO16EZBjaY4x4C\\/oyFLWDuKGvhbJwZqWh1d1o9JT29QVmvy3Oq2JEjq3c3NutYut4rwDEP4owqI40Nb7mP2ebmdNgnYyWfPmkRfDCRHIWtbMC35IPg5313B1dgXZ2BmyZRXD5p+mr67vAk7iFfjEpu3GieFqwZrTl3\\/pI5V8Sxe3SIYKgT5Hr7ow==\",\"signature\":\"MIAGCSqGSIb3DQEHAqCAMIACAQExDzANBglghkgBZQMEAgEFADCABgkqhkiG9w0BBwEAAKCAMIID5jCCA4ugAwIBAgIIaGD2mdnMpw8wCgYIKoZIzj0EAwIwejEuMCwGA1UEAwwlQXBwbGUgQXBwbGljYXRpb24gSW50ZWdyYXRpb24gQ0EgLSBHMzEmMCQGA1UECwwdQXBwbGUgQ2VydGlmaWNhdGlvbiBBdXRob3JpdHkxEzARBgNVBAoMCkFwcGxlIEluYy4xCzAJBgNVBAYTAlVTMB4XDTE2MDYwMzE4MTY0MFoXDTIxMDYwMjE4MTY0MFowYjEoMCYGA1UEAwwfZWNjLXNtcC1icm9rZXItc2lnbl9VQzQtU0FOREJPWDEUMBIGA1UECwwLaU9TIFN5c3RlbXMxEzARBgNVBAoMCkFwcGxlIEluYy4xCzAJBgNVBAYTAlVTMFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEgjD9q8Oc914gLFDZm0US5jfiqQHdbLPgsc1LUmeY+M9OvegaJajCHkwz3c6OKpbC9q+hkwNFxOh6RCbOlRsSlaOCAhEwggINMEUGCCsGAQUFBwEBBDkwNzA1BggrBgEFBQcwAYYpaHR0cDovL29jc3AuYXBwbGUuY29tL29jc3AwNC1hcHBsZWFpY2EzMDIwHQYDVR0OBBYEFAIkMAua7u1GMZekplopnkJxghxFMAwGA1UdEwEB\\/wQCMAAwHwYDVR0jBBgwFoAUI\\/JJxE+T5O8n5sT2KGw\\/orv9LkswggEdBgNVHSAEggEUMIIBEDCCAQwGCSqGSIb3Y2QFATCB\\/jCBwwYIKwYBBQUHAgIwgbYMgbNSZWxpYW5jZSBvbiB0aGlzIGNlcnRpZmljYXRlIGJ5IGFueSBwYXJ0eSBhc3N1bWVzIGFjY2VwdGFuY2Ugb2YgdGhlIHRoZW4gYXBwbGljYWJsZSBzdGFuZGFyZCB0ZXJtcyBhbmQgY29uZGl0aW9ucyBvZiB1c2UsIGNlcnRpZmljYXRlIHBvbGljeSBhbmQgY2VydGlmaWNhdGlvbiBwcmFjdGljZSBzdGF0ZW1lbnRzLjA2BggrBgEFBQcCARYqaHR0cDovL3d3dy5hcHBsZS5jb20vY2VydGlmaWNhdGVhdXRob3JpdHkvMDQGA1UdHwQtMCswKaAnoCWGI2h0dHA6Ly9jcmwuYXBwbGUuY29tL2FwcGxlYWljYTMuY3JsMA4GA1UdDwEB\\/wQEAwIHgDAPBgkqhkiG92NkBh0EAgUAMAoGCCqGSM49BAMCA0kAMEYCIQDaHGOui+X2T44R6GVpN7m2nEcr6T6sMjOhZ5NuSo1egwIhAL1a+\\/hp88DKJ0sv3eT3FxWcs71xmbLKD\\/QJ3mWagrJNMIIC7jCCAnWgAwIBAgIISW0vvzqY2pcwCgYIKoZIzj0EAwIwZzEbMBkGA1UEAwwSQXBwbGUgUm9vdCBDQSAtIEczMSYwJAYDVQQLDB1BcHBsZSBDZXJ0aWZpY2F0aW9uIEF1dGhvcml0eTETMBEGA1UECgwKQXBwbGUgSW5jLjELMAkGA1UEBhMCVVMwHhcNMTQwNTA2MjM0NjMwWhcNMjkwNTA2MjM0NjMwWjB6MS4wLAYDVQQDDCVBcHBsZSBBcHBsaWNhdGlvbiBJbnRlZ3JhdGlvbiBDQSAtIEczMSYwJAYDVQQLDB1BcHBsZSBDZXJ0aWZpY2F0aW9uIEF1dGhvcml0eTETMBEGA1UECgwKQXBwbGUgSW5jLjELMAkGA1UEBhMCVVMwWTATBgcqhkjOPQIBBggqhkjOPQMBBwNCAATwFxGEGddkhdUaXiWBB3bogKLv3nuuTeCN\\/EuT4TNW1WZbNa4i0Jd2DSJOe7oI\\/XYXzojLdrtmcL7I6CmE\\/1RFo4H3MIH0MEYGCCsGAQUFBwEBBDowODA2BggrBgEFBQcwAYYqaHR0cDovL29jc3AuYXBwbGUuY29tL29jc3AwNC1hcHBsZXJvb3RjYWczMB0GA1UdDgQWBBQj8knET5Pk7yfmxPYobD+iu\\/0uSzAPBgNVHRMBAf8EBTADAQH\\/MB8GA1UdIwQYMBaAFLuw3qFYM4iapIqZ3r6966\\/ayySrMDcGA1UdHwQwMC4wLKAqoCiGJmh0dHA6Ly9jcmwuYXBwbGUuY29tL2FwcGxlcm9vdGNhZzMuY3JsMA4GA1UdDwEB\\/wQEAwIBBjAQBgoqhkiG92NkBgIOBAIFADAKBggqhkjOPQQDAgNnADBkAjA6z3KDURaZsYb7NcNWymK\\/9Bft2Q91TaKOvvGcgV5Ct4n4mPebWZ+Y1UENj53pwv4CMDIt1UQhsKMFd2xd8zg7kGf9F3wsIW2WT8ZyaYISb1T4en0bmcubCYkhYQaZDwmSHQAAMYIBizCCAYcCAQEwgYYwejEuMCwGA1UEAwwlQXBwbGUgQXBwbGljYXRpb24gSW50ZWdyYXRpb24gQ0EgLSBHMzEmMCQGA1UECwwdQXBwbGUgQ2VydGlmaWNhdGlvbiBBdXRob3JpdHkxEzARBgNVBAoMCkFwcGxlIEluYy4xCzAJBgNVBAYTAlVTAghoYPaZ2cynDzANBglghkgBZQMEAgEFAKCBlTAYBgkqhkiG9w0BCQMxCwYJKoZIhvcNAQcBMBwGCSqGSIb3DQEJBTEPFw0xOTA1MjMxMTA1MDdaMCoGCSqGSIb3DQEJNDEdMBswDQYJYIZIAWUDBAIBBQChCgYIKoZIzj0EAwIwLwYJKoZIhvcNAQkEMSIEIIvfGVQYBeOilcB7GNI8m8+FBVZ28QfA6BIXaggBja2PMAoGCCqGSM49BAMCBEYwRAIgU01yYfjlx9bvGeC5CU2RS5KBEG+15HH9tz\\/sg3qmQ14CID4F4ZJwAz+tXAUcAIzoMpYSnM8YBlnGJSTSp+LhspenAAAAAAAA\",\"header\":{\"ephemeralPublicKey\":\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAE0rs3wRpirXjPbFDQfPRdfEzRIZDWm0qn7Y0HB0PNzV1DDKfpYrnhRb4GEhBF\\/oEXBOe452PxbCnN1qAlqcSUWw==\",\"publicKeyHash\":\"saPRAqS7TZ4bAYwzBj8ezDDC55ZolyH1FL+Xc8fd93o=\",\"transactionId\":\"b061eb32181a2d9ca42ad16031b476eebaa62a9a095ad660e2759fba52b51a61\"}}"
+      },
+      StatementDescriptor: "php",
+      ReturnURL: MangoPay.configuration.root_url,
+      Tag: 'Test PayIn/ApplePay/Direct'
     )
   end
 
@@ -260,70 +260,69 @@ def create_new_document(user)
   ###############################################
   let(:new_payin_googlepay_direct) do
     MangoPay::PayIn::GooglePay::Direct.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedWalletId: new_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: 199},
-        Fees: {Currency: 'EUR', Amount: 1},
-        StatementDescriptor: "ruby",
-        Tag: 'Test PayIn/GooglePay/Direct',
-        IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C",
-        SecureModeReturnURL: 'http://test.com',
-        SecureMode: 'DEFAULT',
-        ReturnURL: 'https://mangopay.com/docs/please-ignore',
-        BrowserInfo: {
-          AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
-          JavaEnabled: true,
-          Language: "fr-FR",
-          ColorDepth: 4,
-          ScreenHeight: 1800,
-          ScreenWidth: 400,
-          JavascriptEnabled: true,
-          TimeZoneOffset: "+60",
-          UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
-        },
-        PaymentData: "{\"signature\":\"MEUCIQCLXOan2Y9DobLVSOeD5V64Peayvz0ZAWisdz/1iTdthAIgVFb4Hve4EhtW81k46SiMlnXLIiCn1h2+vVQGjHe+sSo\\u003d\",\"intermediateSigningKey\":{\"signedKey\":\"{\\\"keyValue\\\":\\\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEDGRER6R6PH6K39YTIYX+CpDNej6gQgvi/Wx19SOPtiDnkjAl4/LF9pXlvZYe+aJH0Dy095I6BlfY8bNBB5gjPg\\\\u003d\\\\u003d\\\",\\\"keyExpiration\\\":\\\"1688521049102\\\"}\",\"signatures\":[\"MEYCIQDup1B+rkiPAWmpg7RmqY0NfgdGhmdyL8wvAX+6C1aOU2QIhAIZACSDQ/ZexIyEia5KrRlG2B+y3AnKNlhRzumRcnNOR\"]},\"protocolVersion\":\"ECv2\",\"signedMessage\":\"{\\\"encryptedMessage\\\":\\\"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\\\",\\\"ephemeralPublicKey\\\":\\\"BLY2+R8C0T+BSf/W3HEq305qH63IGmJxMVmbfJ6+x1V7GQg9W9v7eHc3j+8TeypVn+nRlPu98tivuMXECg+rWZs\\\\u003d\\\",\\\"tag\\\":\\\"MmEjNdLfsDNfYd/FRUjoJ4/IfLypNRqx8zgHfa6Ftmo\\\\u003d\\\"}\"}",
-        Billing: {
-          FirstName: 'FName',
-          LastName: 'LName',
-          Address: {
-            AddressLine1: 'AddressLine1',
-            AddressLine2: 'AddressLine2',
-            City: 'City',
-            Region: 'Region',
-            PostalCode: 'PostalCode',
-            Country: 'FR'
-          }
-        },
-        Shipping: {
-          FirstName: 'FName',
-          LastName: 'LName',
-          Address: {
-            AddressLine1: 'AddressLine1',
-            AddressLine2: 'AddressLine2',
-            City: 'City',
-            Region: 'Region',
-            PostalCode: 'PostalCode',
-            Country: 'FR'
-          }
+      AuthorId: new_natural_user['Id'],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
+      StatementDescriptor: "ruby",
+      Tag: 'Test PayIn/GooglePay/Direct',
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C",
+      SecureModeReturnURL: 'http://test.com',
+      SecureMode: 'DEFAULT',
+      ReturnURL: 'https://mangopay.com/docs/please-ignore',
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "fr-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      PaymentData: "{\"signature\":\"MEUCIQCLXOan2Y9DobLVSOeD5V64Peayvz0ZAWisdz/1iTdthAIgVFb4Hve4EhtW81k46SiMlnXLIiCn1h2+vVQGjHe+sSo\\u003d\",\"intermediateSigningKey\":{\"signedKey\":\"{\\\"keyValue\\\":\\\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEDGRER6R6PH6K39YTIYX+CpDNej6gQgvi/Wx19SOPtiDnkjAl4/LF9pXlvZYe+aJH0Dy095I6BlfY8bNBB5gjPg\\\\u003d\\\\u003d\\\",\\\"keyExpiration\\\":\\\"1688521049102\\\"}\",\"signatures\":[\"MEYCIQDup1B+rkiPAWmpg7RmqY0NfgdGhmdyL8wvAX+6C1aOU2QIhAIZACSDQ/ZexIyEia5KrRlG2B+y3AnKNlhRzumRcnNOR\"]},\"protocolVersion\":\"ECv2\",\"signedMessage\":\"{\\\"encryptedMessage\\\":\\\"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\\\",\\\"ephemeralPublicKey\\\":\\\"BLY2+R8C0T+BSf/W3HEq305qH63IGmJxMVmbfJ6+x1V7GQg9W9v7eHc3j+8TeypVn+nRlPu98tivuMXECg+rWZs\\\\u003d\\\",\\\"tag\\\":\\\"MmEjNdLfsDNfYd/FRUjoJ4/IfLypNRqx8zgHfa6Ftmo\\\\u003d\\\"}\"}",
+      Billing: {
+        FirstName: 'FName',
+        LastName: 'LName',
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        }
+      },
+      Shipping: {
+        FirstName: 'FName',
+        LastName: 'LName',
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
         }
+      }
     )
   end
 
-
   ###############################################
   # directdebit/direct
   ###############################################
 
   let(:new_payin_directdebit_direct) do
     MangoPay::PayIn::DirectDebit::Direct.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: new_wallet['Owners'][0],
-        CreditedWalletId: new_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: 1000},
-        Fees: {Currency: 'EUR', Amount: 0},
-        MandateId: new_mandate['Id'],
-        ReturnURL: MangoPay.configuration.root_url,
-        Tag: 'Test PayIn/DirectDebit/Direct'
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      MandateId: new_mandate['Id'],
+      ReturnURL: MangoPay.configuration.root_url,
+      Tag: 'Test PayIn/DirectDebit/Direct'
     )
   end
 
@@ -333,30 +332,30 @@ def create_new_document(user)
 
   let(:new_payin_card_web) do
     MangoPay::PayIn::Card::Web.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: new_wallet['Owners'][0],
-        CreditedWalletId: new_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: 1000},
-        Fees: {Currency: 'EUR', Amount: 0},
-        CardType: 'CB_VISA_MASTERCARD',
-        ReturnURL: MangoPay.configuration.root_url,
-        Culture: 'FR',
-        Tag: 'Test PayIn/Card/Web'
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      CardType: 'CB_VISA_MASTERCARD',
+      ReturnURL: MangoPay.configuration.root_url,
+      Culture: 'FR',
+      Tag: 'Test PayIn/Card/Web'
     )
   end
 
   let(:new_payin_card_web_payline) do
     MangoPay::PayIn::Card::Web.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: new_wallet['Owners'][0],
-        CreditedWalletId: new_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: 1000},
-        Fees: {Currency: 'EUR', Amount: 0},
-        CardType: 'CB_VISA_MASTERCARD',
-        ReturnURL: MangoPay.configuration.root_url,
-        Culture: 'FR',
-        Tag: 'Test PayIn/Card/Web',
-        TemplateURLOptions: {PAYLINEV2: "https://www.maysite.com/payline_template/"}
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: new_wallet['Owners'][0],
+      CreditedWalletId: new_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      CardType: 'CB_VISA_MASTERCARD',
+      ReturnURL: MangoPay.configuration.root_url,
+      Culture: 'FR',
+      Tag: 'Test PayIn/Card/Web',
+      TemplateURLOptions: { PAYLINEV2: "https://www.maysite.com/payline_template/" }
     )
   end
 
@@ -366,9 +365,9 @@ def create_new_document(user)
 
   let(:new_card_registration) do
     MangoPay::CardRegistration.create(
-        UserId: new_natural_user['Id'],
-        Currency: 'EUR',
-        Tag: 'Test Card Registration'
+      UserId: new_natural_user['Id'],
+      Currency: 'EUR',
+      Tag: 'Test Card Registration'
     )
   end
 
@@ -378,11 +377,11 @@ def create_new_document(user)
 
     # 2nd step: tokenize by payline (fills-in RegistrationData)
     data = {
-        data: cardreg['PreregistrationData'],
-        accessKeyRef: cardreg['AccessKey'],
-        cardNumber: 4970105191923460,
-        cardExpirationDate: 1226,
-        cardCvx: 123}
+      data: cardreg['PreregistrationData'],
+      accessKeyRef: cardreg['AccessKey'],
+      cardNumber: 4970105191923460,
+      cardExpirationDate: 1226,
+      cardCvx: 123 }
 
     res = Net::HTTP.post_form(URI(cardreg['CardRegistrationURL']), data)
     raise Exception, [res, res.body] unless res.is_a?(Net::HTTPOK) && res.body.start_with?('data=')
@@ -400,11 +399,11 @@ def create_new_document(user)
 
     # 2nd step: tokenize by payline (fills-in RegistrationData)
     data = {
-        data: cardreg['PreregistrationData'],
-        accessKeyRef: cardreg['AccessKey'],
-        cardNumber: 4970105191923460,
-        cardExpirationDate: 1224,
-        cardCvx: 123}
+      data: cardreg['PreregistrationData'],
+      accessKeyRef: cardreg['AccessKey'],
+      cardNumber: 4970105191923460,
+      cardExpirationDate: 1224,
+      cardCvx: 123 }
 
     res = Net::HTTP.post_form(URI(cardreg['CardRegistrationURL']), data)
     raise Exception, [res, res.body] unless res.is_a?(Net::HTTPOK) && res.body.start_with?('data=')
@@ -422,11 +421,11 @@ def create_new_document(user)
 
     # 2nd step: tokenize by payline (fills-in RegistrationData)
     data = {
-        data: cardreg['PreregistrationData'],
-        accessKeyRef: cardreg['AccessKey'],
-        cardNumber: 4970105181818183,
-        cardExpirationDate: 1226,
-        cardCvx: 123}
+      data: cardreg['PreregistrationData'],
+      accessKeyRef: cardreg['AccessKey'],
+      cardNumber: 4970105181818183,
+      cardExpirationDate: 1226,
+      cardCvx: 123 }
 
     res = Net::HTTP.post_form(URI(cardreg['CardRegistrationURL']), data)
     raise Exception, [res, res.body] unless res.is_a?(Net::HTTPOK) && res.body.start_with?('data=')
@@ -447,8 +446,8 @@ def create_new_document(user)
     MangoPay::PayIn::Mbway::Web.create(
       AuthorId: new_natural_user['Id'],
       CreditedWalletId: new_wallet['Id'],
-      DebitedFunds: {Currency: 'EUR', Amount: 199},
-      Fees: {Currency: 'EUR', Amount: 1},
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
       StatementDescriptor: "ruby",
       Tag: 'Test PayIn/Mbway/Web',
       Phone: '351#269458236'
@@ -461,8 +460,8 @@ def create_new_document(user)
   let(:new_payin_multibanco_web) do
     MangoPay::PayIn::Multibanco::Web.create(
       AuthorId: new_natural_user['Id'],
-      DebitedFunds: {Currency: 'EUR', Amount: 199},
-      Fees: {Currency: 'EUR', Amount: 1},
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
       CreditedWalletId: new_wallet['Id'],
       StatementDescriptor: "ruby",
       Tag: 'Test PayIn/Multibanco/Web',
@@ -484,8 +483,8 @@ def create_new_document(user)
     MangoPay::PayIn::Blik::Web.create(
       AuthorId: user['Id'],
       CreditedWalletId: wallet['Id'],
-      DebitedFunds: {Currency: 'PLN', Amount: 199},
-      Fees: {Currency: 'PLN', Amount: 1},
+      DebitedFunds: { Currency: 'PLN', Amount: 199 },
+      Fees: { Currency: 'PLN', Amount: 1 },
       StatementDescriptor: "ruby",
       Tag: 'Test PayIn/Blik/Web',
       ReturnURL: 'https://example.com'
@@ -499,8 +498,8 @@ def create_new_document(user)
     MangoPay::PayIn::Satispay::Web.create(
       AuthorId: new_natural_user['Id'],
       CreditedWalletId: new_wallet['Id'],
-      DebitedFunds: {Currency: 'EUR', Amount: 199},
-      Fees: {Currency: 'EUR', Amount: 1},
+      DebitedFunds: { Currency: 'EUR', Amount: 199 },
+      Fees: { Currency: 'EUR', Amount: 1 },
       StatementDescriptor: "ruby",
       Tag: 'Test PayIn/Mbway/Web',
       Country: 'IT',
@@ -548,35 +547,35 @@ def create_new_document(user)
       },
       StatementDescriptor: "ruby",
       Tag: 'Test',
-      # Culture: 'FR'
+    # Culture: 'FR'
     )
   end
 
   def create_new_payin_card_direct(to_wallet, amnt = 1000)
     cardreg = new_card_registration_completed
     MangoPay::PayIn::Card::Direct.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: to_wallet['Owners'][0],
-        CreditedWalletId: to_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: amnt},
-        Fees: {Currency: 'EUR', Amount: 0},
-        CardType: 'CB_VISA_MASTERCARD',
-        CardId: cardreg['CardId'],
-        SecureModeReturnURL: 'http://test.com',
-        Tag: 'Test PayIn/Card/Direct',
-        Requested3DSVersion: 'V2_1',
-        BrowserInfo: {
-            AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
-            JavaEnabled: true,
-            Language: "FR-FR",
-            ColorDepth: 4,
-            ScreenHeight: 1800,
-            ScreenWidth: 400,
-            JavascriptEnabled: true,
-            TimeZoneOffset: "+60",
-            UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
-        },
-        IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: to_wallet['Owners'][0],
+      CreditedWalletId: to_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      CardType: 'CB_VISA_MASTERCARD',
+      CardId: cardreg['CardId'],
+      SecureModeReturnURL: 'http://test.com',
+      Tag: 'Test PayIn/Card/Direct',
+      Requested3DSVersion: 'V2_1',
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
     )
   end
 
@@ -588,25 +587,25 @@ def create_new_payin_card_direct(to_wallet, amnt = 1000)
 
   def create_new_card_preauthorization(cardreg, amnt = 1000)
     MangoPay::PreAuthorization.create(
-        AuthorId: new_natural_user['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: amnt},
-        CardId: cardreg['CardId'],
-        SecureMode: 'DEFAULT',
-        SecureModeReturnURL: 'http://test.com',
-        Tag: 'Test Card PreAuthorization',
-        Requested3DSVersion: 'V2_1',
-        BrowserInfo: {
-            AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
-            JavaEnabled: true,
-            Language: "FR-FR",
-            ColorDepth: 4,
-            ScreenHeight: 1800,
-            ScreenWidth: 400,
-            JavascriptEnabled: true,
-            TimeZoneOffset: "+60",
-            UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
-        },
-        IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
+      AuthorId: new_natural_user['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      CardId: cardreg['CardId'],
+      SecureMode: 'DEFAULT',
+      SecureModeReturnURL: 'http://test.com',
+      Tag: 'Test Card PreAuthorization',
+      Requested3DSVersion: 'V2_1',
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
     )
   end
 
@@ -615,25 +614,25 @@ def create_new_card_preauthorization(cardreg, amnt = 1000)
   def create_new_payin_preauthorized_direct(to_wallet, amnt = 1000)
     preauth = new_card_preauthorization
     MangoPay::PayIn::PreAuthorized::Direct.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: to_wallet['Owners'][0],
-        CreditedWalletId: to_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: amnt},
-        Fees: {Currency: 'EUR', Amount: 0},
-        PreauthorizationId: preauth['Id'],
-        Tag: 'Test PayIn/PreAuthorized/Direct',
-        BrowserInfo: {
-            AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
-            JavaEnabled: true,
-            Language: "FR-FR",
-            ColorDepth: 4,
-            ScreenHeight: 1800,
-            ScreenWidth: 400,
-            JavascriptEnabled: true,
-            TimeZoneOffset: "+60",
-            UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
-        },
-        IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: to_wallet['Owners'][0],
+      CreditedWalletId: to_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      PreauthorizationId: preauth['Id'],
+      Tag: 'Test PayIn/PreAuthorized/Direct',
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C"
     )
   end
 
@@ -664,12 +663,12 @@ def create_card_validation(author_id, card_id)
 
   def create_new_payin_pre_authorized_deposit_direct(deposit_id, author_id, credited_wallet_id)
     MangoPay::PayIn::PreAuthorized::Direct.create_pre_authorized_deposit_pay_in(
-        AuthorId: author_id,
-        CreditedWalletId: credited_wallet_id,
-        DebitedFunds: {Currency: 'EUR', Amount: 500},
-        Fees: {Currency: 'EUR', Amount: 0},
-        DepositId: deposit_id,
-        Tag: 'lorem ipsum'
+      AuthorId: author_id,
+      CreditedWalletId: credited_wallet_id,
+      DebitedFunds: { Currency: 'EUR', Amount: 500 },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      DepositId: deposit_id,
+      Tag: 'lorem ipsum'
     )
   end
 
@@ -681,14 +680,33 @@ def create_new_payin_pre_authorized_deposit_direct(deposit_id, author_id, credit
 
   def create_new_payin_bankwire_direct(to_wallet, amnt = 1000)
     MangoPay::PayIn::BankWire::Direct.create(
-        AuthorId: new_natural_user['Id'],
-        CreditedUserId: to_wallet['Owners'][0],
-        CreditedWalletId: to_wallet['Id'],
-        DeclaredDebitedFunds: {Currency: 'EUR', Amount: amnt},
-        DeclaredFees: {Currency: 'EUR', Amount: 0},
-        Tag: 'Test PayIn/BankWire/Direct'
+      AuthorId: new_natural_user['Id'],
+      CreditedUserId: to_wallet['Owners'][0],
+      CreditedWalletId: to_wallet['Id'],
+      DeclaredDebitedFunds: { Currency: 'EUR', Amount: amnt },
+      DeclaredFees: { Currency: 'EUR', Amount: 0 },
+      Tag: 'Test PayIn/BankWire/Direct'
+    )
+  end
+
+  ###############################################
+  # wallet with money
+  ###############################################
+  #
+  let(:new_wallet_with_money){ create_new_wallet_with_money(new_natural_user) }
+
+  def create_new_wallet_with_money(user)
+    wallet = MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'EUR',
+      Tag: 'Test wallet'
     )
+
+    pay_in = create_new_payin_card_direct(wallet)
+    MangoPay::Wallet.fetch(pay_in['CreditedWalletId'])
   end
+
 end
 
 ###############################################
@@ -700,14 +718,14 @@ def create_new_payin_bankwire_direct(to_wallet, amnt = 1000)
 
   def create_new_payout_bankwire(payin, amnt = 500)
     MangoPay::PayOut::BankWire.create(
-        AuthorId: payin['CreditedUserId'],
-        DebitedWalletId: payin['CreditedWalletId'],
-        DebitedFunds: {Currency: 'EUR', Amount: amnt},
-        Fees: {Currency: 'EUR', Amount: 0},
-        BankAccountId: new_bank_account['Id'],
-        Communication: 'This is a test',
-        Tag: 'Test PayOut/Bank/Wire',
-        PayoutModeRequested: 'Standard'
+      AuthorId: payin['CreditedUserId'],
+      DebitedWalletId: payin['CreditedWalletId'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      BankAccountId: new_bank_account['Id'],
+      Communication: 'This is a test',
+      Tag: 'Test PayOut/Bank/Wire',
+      PayoutModeRequested: 'Standard'
     )
   end
 end
@@ -728,13 +746,13 @@ def create_new_payout_bankwire(payin, amnt = 500)
 
   def create_new_transfer(from_wallet, to_wallet, amnt = 500)
     MangoPay::Transfer.create(
-        AuthorId: from_wallet['Owners'][0],
-        DebitedWalletId: from_wallet['Id'],
-        CreditedUserId: to_wallet['Owners'][0],
-        CreditedWalletId: to_wallet['Id'],
-        DebitedFunds: {Currency: 'EUR', Amount: amnt},
-        Fees: {Currency: 'EUR', Amount: 0},
-        Tag: 'Test transfer'
+      AuthorId: from_wallet['Owners'][0],
+      DebitedWalletId: from_wallet['Id'],
+      CreditedUserId: to_wallet['Owners'][0],
+      CreditedWalletId: to_wallet['Id'],
+      DebitedFunds: { Currency: 'EUR', Amount: amnt },
+      Fees: { Currency: 'EUR', Amount: 0 },
+      Tag: 'Test transfer'
     )
   end
 end
@@ -746,9 +764,9 @@ def create_new_transfer(from_wallet, to_wallet, amnt = 500)
     hooks = MangoPay::Hook.fetch('page' => 1, 'per_page' => 1)
     if hooks.empty?
       MangoPay::Hook.create(
-          EventType: 'PAYIN_NORMAL_CREATED',
-          Url: 'http://test.com',
-          Tag: 'Test hook'
+        EventType: 'PAYIN_NORMAL_CREATED',
+        Url: 'http://test.com',
+        Tag: 'Test hook'
       )
     else
       hooks[0]
@@ -764,64 +782,101 @@ def create_new_transfer(from_wallet, to_wallet, amnt = 500)
 
   let(:new_banking_alias) do
     MangoPay::BankingAliasesIBAN.create({
-                                            CreditedUserId: new_natural_user['Id'],
-                                            WalletId: new_wallet['Id'],
-                                            OwnerName: new_natural_user['FirstName'],
-                                            Country: 'LU'
+                                          CreditedUserId: new_natural_user['Id'],
+                                          WalletId: new_wallet['Id'],
+                                          OwnerName: new_natural_user['FirstName'],
+                                          Country: 'LU'
                                         }, new_wallet['Id'])
   end
 end
 
-
 ###############################################
 # deposits
 ###############################################
 
 def create_new_deposit(card_registration_id, author_id)
   MangoPay::Deposit.create(
-      {
-          AuthorId: author_id,
-          DebitedFunds: {Currency: 'EUR', Amount: 1000},
-          CardId: card_registration_id,
-          SecureModeReturnURL: 'http://mangopay-sandbox-test.com',
-          StatementDescriptor: "lorem",
-          Culture: 'FR',
-          IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C",
-          BrowserInfo: {
-              AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
-              JavaEnabled: true,
-              Language: "FR-FR",
-              ColorDepth: 4,
-              ScreenHeight: 1800,
-              ScreenWidth: 400,
-              JavascriptEnabled: true,
-              TimeZoneOffset: "+60",
-              UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
-          },
-          Billing: {
-              Address: {
-                  AddressLine1: 'AddressLine1',
-                  AddressLine2: 'AddressLine2',
-                  City: 'City',
-                  Region: 'Region',
-                  PostalCode: 'PostalCode',
-                  Country: 'FR'
-              },
-              FirstName: 'Joe',
-              LastName: 'Blogs'
-          },
-          Shipping: {
-              Address: {
-                  AddressLine1: 'AddressLine1',
-                  AddressLine2: 'AddressLine2',
-                  City: 'City',
-                  Region: 'Region',
-                  PostalCode: 'PostalCode',
-                  Country: 'FR'
-              },
-              FirstName: 'Joe',
-              LastName: 'Blogs'
-          }
+    {
+      AuthorId: author_id,
+      DebitedFunds: { Currency: 'EUR', Amount: 1000 },
+      CardId: card_registration_id,
+      SecureModeReturnURL: 'http://mangopay-sandbox-test.com',
+      StatementDescriptor: "lorem",
+      Culture: 'FR',
+      IpAddress: "2001:0620:0000:0000:0211:24FF:FE80:C12C",
+      BrowserInfo: {
+        AcceptHeader: "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
+        JavaEnabled: true,
+        Language: "FR-FR",
+        ColorDepth: 4,
+        ScreenHeight: 1800,
+        ScreenWidth: 400,
+        JavascriptEnabled: true,
+        TimeZoneOffset: "+60",
+        UserAgent: "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148"
+      },
+      Billing: {
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        },
+        FirstName: 'Joe',
+        LastName: 'Blogs'
+      },
+      Shipping: {
+        Address: {
+          AddressLine1: 'AddressLine1',
+          AddressLine2: 'AddressLine2',
+          City: 'City',
+          Region: 'Region',
+          PostalCode: 'PostalCode',
+          Country: 'FR'
+        },
+        FirstName: 'Joe',
+        LastName: 'Blogs'
       }
+    }
   )
+end
+
+###############################################
+# instant conversions
+###############################################
+shared_context 'instant_conversion' do
+  include_context 'payins'
+  def get_conversion_rate(debited_currency, credited_currency)
+    MangoPay::InstantConversion.get_rate(debited_currency, credited_currency, params = {})
+  end
+
+  def create_instant_conversion()
+    user = new_natural_user
+    credited_wallet = MangoPay::Wallet.create(
+      Owners: [user['Id']],
+      Description: 'A test wallet',
+      Currency: 'GBP',
+      Tag: 'Test wallet'
+    )
+
+    MangoPay::InstantConversion.create(
+      AuthorId: user['Id'],
+      CreditedWalletId: credited_wallet['Id'],
+      DebitedWalletId: new_wallet_with_money['Id'],
+      CreditedFunds: {
+        Currency: 'GBP'
+      },
+      DebitedFunds: {
+        Currency: 'EUR',
+        Amount: 79
+      },
+      Tag: 'Instant conversion test'
+    )
+  end
+
+  def get_instant_conversion(id)
+    MangoPay::InstantConversion.get(id, params = {})
+  end
 end
\ No newline at end of file