SEPA Direct Debit Core Support

common/common.go

@@ -195,6 +195,7 @@ const (
 	Card        InstrumentType = "card"
 	BankAccount InstrumentType = "bank_account"
 	Token       InstrumentType = "token"
+	Sepa        InstrumentType = "sepa"
 	CardToken   InstrumentType = "card_token"
 )
 

forex/forex.go

@@ -52,7 +52,7 @@ type (
 	RatesResponse struct {
 		Product              string   `json:"product,omitempty"`
 		Source               Source   `json:"source,omitempty"`
-		Rates                []Rate   `json:"currency_pairs,omitempty"`
+		Rates                []Rate   `json:"rates,omitempty"`
 		InvalidCurrencyPairs []string `json:"invalid_currency_pairs,omitempty"`
 	}
 )

instruments/nas/client_test.go

@@ -3,6 +3,7 @@ package nas
 import (
 	"net/http"
 	"testing"
+	"time"
 
 	"github.com/stretchr/testify/assert"
 	"github.com/stretchr/testify/mock"
@@ -11,6 +12,7 @@ import (
 	"github.com/checkout/checkout-sdk-go/configuration"
 	"github.com/checkout/checkout-sdk-go/errors"
 	"github.com/checkout/checkout-sdk-go/mocks"
+	"github.com/checkout/checkout-sdk-go/payments"
 )
 
 const (
@@ -71,6 +73,17 @@ func TestCreate(t *testing.T) {
 			HttpMetadata:                        mocks.HttpMetadataStatusCreated,
 			CreateBankAccountInstrumentResponse: &bankAccount,
 		}
+
+		sepa = CreateSepaInstrumentResponse{
+			Type:        common.Sepa,
+			Id:          "src_wmlfc3zyhqzehihu7giusaaawu",
+			Fingerprint: "vnsdrvikkvre3dtrjjvlm5du4q",
+		}
+
+		createSepaResponse = CreateInstrumentResponse{
+			HttpMetadata:                 mocks.HttpMetadataStatusCreated,
+			CreateSepaInstrumentResponse: &sepa,
+		}
 	)
 
 	cases := []struct {
@@ -126,6 +139,29 @@ func TestCreate(t *testing.T) {
 				assert.Equal(t, bankAccount.Id, response.CreateBankAccountInstrumentResponse.Id)
 			},
 		},
+		{
+			name:    "when request is for sepa instrument then create sepa instrument",
+			request: getCreateSepaInstrumentRequest(),
+			getAuthorization: func(m *mock.Mock) mock.Call {
+				return *m.On("GetAuthorization", mock.Anything).
+					Return(&configuration.SdkAuthorization{}, nil)
+			},
+			apiPost: func(m *mock.Mock) mock.Call {
+				return *m.On("Post", mock.Anything, mock.Anything, mock.Anything, mock.Anything, mock.Anything).
+					Return(nil).
+					Run(func(args mock.Arguments) {
+						respMapping := args.Get(3).(*CreateInstrumentResponse)
+						*respMapping = createSepaResponse
+					})
+			},
+			checker: func(response *CreateInstrumentResponse, err error) {
+				assert.Nil(t, err)
+				assert.NotNil(t, response)
+				assert.Equal(t, http.StatusCreated, response.HttpMetadata.StatusCode)
+				assert.NotNil(t, response.CreateSepaInstrumentResponse)
+				assert.Equal(t, sepa.Id, response.CreateSepaInstrumentResponse.Id)
+			},
+		},
 		{
 			name: "when credentials invalid then return error",
 			getAuthorization: func(m *mock.Mock) mock.Call {
@@ -199,6 +235,21 @@ func getCreateTokenInstrumentRequest() *createTokenInstrumentRequest {
 	return r
 }
 
+func getCreateSepaInstrumentRequest() *createSepaInstrumentRequest {
+	time := time.Now()
+
+	r := NewCreateSepaInstrumentRequest()
+	r.InstrumentData = &InstrumentData{
+		AccountNumber:   "FR2810096000509685512959O86",
+		Country:         common.GB,
+		Currency:        common.GBP,
+		PaymentType:     payments.Recurring,
+		MandateId:       "1234567890",
+		DateOfSignature: &time,
+	}
+	return r
+}
+
 func getCreateBankAccountInstrumentRequest() *createBankAccountInstrumentRequest {
 	r := NewCreateBankAccountInstrumentRequest()
 	r.AccountType = common.Savings

instruments/nas/create.go

@@ -32,6 +32,12 @@ type (
 		AccountHolder *common.AccountHolder            `json:"account_holder" binding:"required"`
 		Customer      *CreateCustomerInstrumentRequest `json:"customer,omitempty"`
 	}
+
+	createSepaInstrumentRequest struct {
+		Type           common.InstrumentType `json:"type" binding:"required"`
+		InstrumentData *InstrumentData       `json:"instrument_data,omitempty"`
+		AccountHolder  *common.AccountHolder `json:"account_holder" binding:"required"`
+	}
 )
 
 func NewCreateBankAccountInstrumentRequest() *createBankAccountInstrumentRequest {
@@ -46,11 +52,18 @@ func NewCreateTokenInstrumentRequest() *createTokenInstrumentRequest {
 	}
 }
 
+func NewCreateSepaInstrumentRequest() *createSepaInstrumentRequest {
+	return &createSepaInstrumentRequest{
+		Type: common.Sepa,
+	}
+}
+
 type (
 	CreateInstrumentResponse struct {
 		HttpMetadata                        common.HttpMetadata
 		CreateBankAccountInstrumentResponse *CreateBankAccountInstrumentResponse
 		CreateTokenInstrumentResponse       *CreateTokenInstrumentResponse
+		CreateSepaInstrumentResponse        *CreateSepaInstrumentResponse
 		AlternativeResponse                 *common.AlternativeResponse
 	}
 
@@ -88,6 +101,13 @@ type (
 		ProductId     string              `json:"product_id,omitempty"`
 		ProductType   string              `json:"product_type,omitempty"`
 	}
+
+	CreateSepaInstrumentResponse struct {
+		Type common.InstrumentType `json:"type" binding:"required"`
+		// common
+		Id          string `json:"id,omitempty"`
+		Fingerprint string `json:"fingerprint,omitempty"`
+	}
 )
 
 func (s *CreateInstrumentResponse) UnmarshalJSON(data []byte) error {
@@ -109,6 +129,12 @@ func (s *CreateInstrumentResponse) UnmarshalJSON(data []byte) error {
 			return nil
 		}
 		s.CreateTokenInstrumentResponse = &response
+	case string(common.Sepa):
+		var response CreateSepaInstrumentResponse
+		if err := json.Unmarshal(data, &response); err != nil {
+			return nil
+		}
+		s.CreateSepaInstrumentResponse = &response
 	default:
 		var response common.AlternativeResponse
 		if err := json.Unmarshal(data, &response); err != nil {

instruments/nas/get.go

@@ -2,6 +2,7 @@ package nas
 
 import (
 	"encoding/json"
+	"time"
 
 	"github.com/checkout/checkout-sdk-go/common"
 	"github.com/checkout/checkout-sdk-go/instruments"
@@ -16,6 +17,7 @@ type (
 	GetInstrumentResponse struct {
 		HttpMetadata                     common.HttpMetadata
 		GetCardInstrumentResponse        *GetCardInstrumentResponse
+		GetSepaInstrumentResponse        *GetSepaInstrumentResponse
 		GetBankAccountInstrumentResponse *GetBankAccountInstrumentResponse
 		AlternativeResponse              *common.AlternativeResponse
 	}
@@ -42,6 +44,17 @@ type (
 		ProductType   string              `json:"product_type,omitempty"`
 	}
 
+	GetSepaInstrumentResponse struct {
+		Type           common.InstrumentType `json:"type" binding:"required"`
+		Id             string                `json:"id,omitempty"`
+		Fingerprint    string                `json:"fingerprint,omitempty"`
+		CreatedOn      *time.Time            `json:"created_on,omitempty"`
+		ModifiedOn     *time.Time            `json:"modified_on,omitempty"`
+		VaultId        string                `json:"vault_id,omitempty"`
+		InstrumentData *InstrumentData       `json:"instrument_data,omitempty"`
+		AccountHolder  *common.AccountHolder `json:"account_holder,omitempty"`
+	}
+
 	GetBankAccountInstrumentResponse struct {
 		Type          common.InstrumentType                   `json:"type" binding:"required"`
 		Id            string                                  `json:"id,omitempty"`
@@ -114,6 +127,12 @@ func (s *GetInstrumentResponse) UnmarshalJSON(data []byte) error {
 			return nil
 		}
 		s.GetCardInstrumentResponse = &response
+	case string(common.Sepa):
+		var response GetSepaInstrumentResponse
+		if err := json.Unmarshal(data, &response); err != nil {
+			return nil
+		}
+		s.GetSepaInstrumentResponse = &response
 	default:
 		var response common.AlternativeResponse
 		if err := json.Unmarshal(data, &response); err != nil {

instruments/nas/instuments.go

@@ -1,7 +1,10 @@
 package nas
 
 import (
+	"time"
+
 	"github.com/checkout/checkout-sdk-go/common"
+	"github.com/checkout/checkout-sdk-go/payments"
 )
 
 type PaymentNetwork string
@@ -15,6 +18,15 @@ const (
 	Swift   PaymentNetwork = "swift"
 )
 
+type InstrumentData struct {
+	AccountNumber   string               `json:"account_number,omitempty"`
+	Country         common.Country       `json:"country,omitempty"`
+	Currency        common.Currency      `json:"currency,omitempty"`
+	PaymentType     payments.PaymentType `json:"payment_type,omitempty"`
+	MandateId       string               `json:"mandate_id,omitempty"`
+	DateOfSignature *time.Time           `json:"date_of_signature,omitempty"`
+}
+
 type CreateCustomerInstrumentRequest struct {
 	Id      string        `json:"id,omitempty"`
 	Email   string        `json:"email,omitempty"`

metadata/metadata.go

@@ -79,7 +79,7 @@ type (
 		Scheme       string              `json:"scheme,omitempty"`
 		// Deprecated: This property will be removed in the future, and should not be used. Use LocalSchemes instead.
 		SchemeLocal        SchemeLocalType      `json:"scheme_local,omitempty"`
-		LocalSchemes       SchemeLocalType      `json:"local_schemes,omitempty"`
+		LocalSchemes       []SchemeLocalType    `json:"local_schemes,omitempty"`
 		CardType           common.CardType      `json:"card_type,omitempty"`
 		CardCategory       common.CardCategory  `json:"card_category,omitempty"`
 		Currency           common.Currency      `json:"currency,omitempty"`

payments/nas/payments.go

@@ -112,6 +112,7 @@ type (
 		Items               []payments.Product            `json:"items,omitempty"`
 		Retry               *payments.PaymentRetryRequest `json:"retry,omitempty"`
 		Metadata            map[string]interface{}        `json:"metadata,omitempty"`
+		Instruction         *PaymentInstruction           `json:"instruction,omitempty"`
 	}
 
 	PayoutRequest struct {

test/instruments_test.go

@@ -1,14 +1,14 @@
 package test
 
 import (
+	"github.com/stretchr/testify/assert"
 	"net/http"
 	"testing"
 
-	"github.com/stretchr/testify/assert"
-
 	"github.com/checkout/checkout-sdk-go/common"
 	"github.com/checkout/checkout-sdk-go/errors"
 	"github.com/checkout/checkout-sdk-go/instruments/nas"
+	"github.com/checkout/checkout-sdk-go/payments"
 	"github.com/checkout/checkout-sdk-go/tokens"
 )
 
@@ -18,6 +18,7 @@ var (
 
 func TestSetupInstrument(t *testing.T) {
 	cardTokenResponse := RequestCardToken(t)
+	_ = createSepaInstrument(t)
 	instrumentToken = createTokenInstrument(t, cardTokenResponse)
 }
 
@@ -211,6 +212,30 @@ func TestShouldDeleteInstrument(t *testing.T) {
 	}
 }
 
+func createSepaInstrument(t *testing.T) *nas.CreateSepaInstrumentResponse {
+	request := nas.NewCreateSepaInstrumentRequest()
+	request.InstrumentData = &nas.InstrumentData{
+		AccountNumber: "FR7630006000011234567890189",
+		Country:       common.FR,
+		Currency:      common.EUR,
+		PaymentType:   payments.Recurring,
+	}
+	request.AccountHolder = &common.AccountHolder{
+		FirstName:      "Ali",
+		LastName:       "Farid",
+		BillingAddress: Address(),
+		Phone:          Phone(),
+	}
+
+	response, err := DefaultApi().Instruments.Create(request)
+	assert.Nil(t, err)
+	assert.NotNil(t, response.CreateSepaInstrumentResponse)
+	assert.Equal(t, common.Sepa, response.CreateSepaInstrumentResponse.Type)
+	assert.NotEmpty(t, response.CreateSepaInstrumentResponse.Id)
+	assert.NotEmpty(t, response.CreateSepaInstrumentResponse.Fingerprint)
+	return response.CreateSepaInstrumentResponse
+}
+
 func createTokenInstrument(t *testing.T, token *tokens.CardTokenResponse) *nas.CreateTokenInstrumentResponse {
 	request := nas.NewCreateTokenInstrumentRequest()
 	request.Token = token.Token