A gem for processing credit cards with VirtualMerchant's API.

Setup

Add it to your Gemfile then run bundle to install it.

gem "virtual_merchant"

Usage

Create Virtual Merchant Objects

Credit Card Objects

    #Create CreditCard via manual entry
    cc = VirtualMerchant::CreditCard.new(
      name_on_card:  <name_on_card>,
      number:        <card_number>,
      expiration:    <card_exp>,
      security_code: <cvv2>)

    # OR
    # via unencrypted MSR
    cc = VirtualMerchant::CreditCard.new(swipe: <swipe_data>)

    # OR
    # via encrypted MSR
    cc = VirtualMerchant::CreditCard.new(
      encrypted: true,
      track_1:   <encrypted_track_1>,
      track_2:   <encrypted_track_2>,
      last_four: <last_four>

Public Methods:

    encrypted?
      self.encrypted
    
    swiped?
      self.swiped
    
    valid?
      self.errors.count == 0
    
    blurred_number
      "1234123412341234" -> "12**********1234"

Amount Objects

    amount = VirtualMerchant::Amount.new(
      total:             <total amount to charge>,
      tax:               <amount of tax included in the total>, #optional
      next_payment_date: <'MM/DD/YYYY'>, #required for recurring payments
      billing_cycle:     <'WEEKLY/MONTHLY'>, #required for recurring payments
      end_of_month:      <'Y/N'>) #required for recurring payments occuring on
                                  #last day of month

Credentials Objects

    creds = VirtualMerchant::Credentials.new(
      account_id:     <vm_account_id>,
      user_id:        <vm_user_id>,
      pin:            <vm_user_pass>,
      source:         <vm_mobile_source>, #only required for encrypted MSR
      ksn:            <ksn>, #only required for encrypted MSR
      vender_id:      <vender_id>, #only required for encrypted MSR
      device_type:    <device_type, 001 for BulleT 002 for iDynamo
                       003 for uDynamo>, #only required for encrypted MSR
      demo:           <boolean>, #optional
      referer:        <uri of the http referer>, #optional)

Charge, Authorize, Refund, or Void

    #Charge
    response = VirtualMerchant.charge(cc, amount, creds)

    #Authorize
    response = VirtualMerchant.authorize(cc, amount, creds)

    #Add Recurring Payment
    response = VirtualMerchant.add_recurring(cc, amount, creds)

    #Refund
    response = VirtualMerchant.refund(cc, amount, creds)

    #Void
    response = VirtualMerchant.void(transaction_id, creds)

Complete and Delete Authorized Transactions

Complete is used to convert an existing authorized transaction to a sale without a second authorization.

Delete attempts a reversal on a Sale and Auth Only credit transaction.

WARNING: Transactions deleted from the batch cannot be recovered.

    #Complete Authorized Transaction
    response = VirtualMerchant.complete(amount, creds, transaction_id)

    #Delete Authorized Transaction
    response = VirtualMerchant.delete(creds, transaction_id)

Response

The response returned is a VirtualMerchant::Response object.

If a single transaction was sucessful and the card was approved, the response will have the following attrs:

* approved: true
* result_message: ssl_result_message
* result: ssl_result
* approval_code: ssl_approval_code
* blurred_card_number: ssl_card_number
* exp_date: ssl_exp_date
* cvv2_response: ssl_cvv2_response
* transaction_id: ssl_txn_id
* transaction_time: ssl_txn_tim

If a recurring transaction was sucessful and the card was approved, the response will have the following attrs:

* approved: true
* result_message: ssl_result_message
* blurred_card_number: ssl_card_number
* exp_date: ssl_exp_date
* billing_cycle: ssl_billing_cycle
* start_payment_date: ssl_start_payment_date
* transaction_type: ssl_transaction_type
* recurring_id: ssl_recurring_id
* next_payment_date: ssl_next_payment_date
* skip_payment: ssl_skip_payment
* recurring_batch_count: ssl_recurring_batch_count

Otherwise there was some problem with a transaction, so the response will have these attrs: (This will also be the response if there was a problem reading the card)

* approved: false
* error: errorCode
* result_message: errorMessage

Debugging

There is a logger that will print some info from responses to make debugging a little easier. It can be turned on with

  VirtualMerchant::Logger.on!

Testing

For testing, edit the config.yml file to include your virtual merchant account credentials and encrypted card data.

For more information on the Virtual Merchant API, view their docs at https://www.myvirtualmerchant.com/VirtualMerchant/supportlandingvisitor.do