PstlAdr field is optional is the Dbtr section for BankCreditTransfer …

src/Z38/SwissPayment/TransactionInformation/BankCreditTransfer.php

@@ -10,7 +10,6 @@
 use Z38\SwissPayment\IID;
 use Z38\SwissPayment\Money;
 use Z38\SwissPayment\PaymentInformation\PaymentInformation;
-use Z38\SwissPayment\PostalAddressInterface;
 
 /**
  * BankCreditTransfer contains all the information about a type 3 transaction.
@@ -35,7 +34,7 @@ class BankCreditTransfer extends CreditTransfer
      *
      * @throws \InvalidArgumentException When the amount is not in EUR or CHF or when the creditor agent is not BIC or IID.
      */
-    public function __construct($instructionId, $endToEndId, Money\Money $amount, $creditorName, PostalAddressInterface $creditorAddress, IBAN $creditorIBAN, FinancialInstitutionInterface $creditorAgent)
+    public function __construct($instructionId, $endToEndId, Money\Money $amount, $creditorName, $creditorAddress, IBAN $creditorIBAN, FinancialInstitutionInterface $creditorAgent)
     {
         if (!$amount instanceof Money\EUR && !$amount instanceof Money\CHF) {
             throw new InvalidArgumentException(sprintf(

src/Z38/SwissPayment/TransactionInformation/CreditTransfer.php

@@ -28,7 +28,7 @@ abstract class CreditTransfer
     protected $creditorName;
 
     /**
-     * @var PostalAddressInterface
+     * @var PostalAddressInterface|null
      */
     protected $creditorAddress;
 
@@ -60,15 +60,15 @@ abstract class CreditTransfer
     /**
      * Constructor
      *
-     * @param string                 $instructionId   Identifier of the instruction (should be unique within the message)
-     * @param string                 $endToEndId      End-To-End Identifier of the instruction (passed unchanged along the complete processing chain)
-     * @param Money                  $amount          Amount of money to be transferred
-     * @param string                 $creditorName    Name of the creditor
-     * @param PostalAddressInterface $creditorAddress Address of the creditor
+     * @param string                      $instructionId   Identifier of the instruction (should be unique within the message)
+     * @param string                      $endToEndId      End-To-End Identifier of the instruction (passed unchanged along the complete processing chain)
+     * @param Money                       $amount          Amount of money to be transferred
+     * @param string                      $creditorName    Name of the creditor
+     * @param PostalAddressInterface|null $creditorAddress Address of the creditor
      *
      * @throws \InvalidArgumentException When any of the inputs contain invalid characters or are too long.
      */
-    public function __construct($instructionId, $endToEndId, Money $amount, $creditorName, PostalAddressInterface $creditorAddress)
+    public function __construct($instructionId, $endToEndId, Money $amount, $creditorName, PostalAddressInterface $creditorAddress = null)
     {
         $this->instructionId = Text::assertIdentifier($instructionId);
         $this->endToEndId = Text::assertIdentifier($endToEndId);
@@ -199,7 +199,9 @@ protected function buildCreditor(\DOMDocument $doc)
     {
         $creditor = $doc->createElement('Cdtr');
         $creditor->appendChild(Text::xml($doc, 'Nm', $this->creditorName));
-        $creditor->appendChild($this->creditorAddress->asDom($doc));
+        if ($this->creditorAddress !== null) {
+            $creditor->appendChild($this->creditorAddress->asDom($doc));
+        }
 
         return $creditor;
     }

src/Z38/SwissPayment/TransactionInformation/ForeignCreditTransfer.php

@@ -9,7 +9,6 @@
 use Z38\SwissPayment\FinancialInstitutionInterface;
 use Z38\SwissPayment\Money\Money;
 use Z38\SwissPayment\PaymentInformation\PaymentInformation;
-use Z38\SwissPayment\PostalAddressInterface;
 
 /**
  * ForeignCreditTransfer contains all the information about a foreign (type 6) transaction.
@@ -37,7 +36,7 @@ class ForeignCreditTransfer extends CreditTransfer
      * @param AccountInterface                $creditorAccount Account of the creditor
      * @param BIC|FinancialInstitutionAddress $creditorAgent   BIC or address of the creditor's financial institution
      */
-    public function __construct($instructionId, $endToEndId, Money $amount, $creditorName, PostalAddressInterface $creditorAddress, AccountInterface $creditorAccount, FinancialInstitutionInterface $creditorAgent)
+    public function __construct($instructionId, $endToEndId, Money $amount, $creditorName, $creditorAddress, AccountInterface $creditorAccount, FinancialInstitutionInterface $creditorAgent)
     {
         parent::__construct($instructionId, $endToEndId, $amount, $creditorName, $creditorAddress);
 

src/Z38/SwissPayment/TransactionInformation/IS1CreditTransfer.php

@@ -7,7 +7,6 @@
 use Z38\SwissPayment\Money;
 use Z38\SwissPayment\PaymentInformation\PaymentInformation;
 use Z38\SwissPayment\PostalAccount;
-use Z38\SwissPayment\PostalAddressInterface;
 
 /**
  * IS1CreditTransfer contains all the information about a IS 1-stage (type 2.1) transaction.
@@ -26,7 +25,7 @@ class IS1CreditTransfer extends CreditTransfer
      *
      * @throws \InvalidArgumentException When the amount is not in EUR or CHF.
      */
-    public function __construct($instructionId, $endToEndId, Money\Money $amount, $creditorName, PostalAddressInterface $creditorAddress, PostalAccount $creditorAccount)
+    public function __construct($instructionId, $endToEndId, Money\Money $amount, $creditorName, $creditorAddress, PostalAccount $creditorAccount)
     {
         if (!$amount instanceof Money\EUR && !$amount instanceof Money\CHF) {
             throw new InvalidArgumentException(sprintf(

src/Z38/SwissPayment/TransactionInformation/IS2CreditTransfer.php

@@ -8,7 +8,6 @@
 use Z38\SwissPayment\Money;
 use Z38\SwissPayment\PaymentInformation\PaymentInformation;
 use Z38\SwissPayment\PostalAccount;
-use Z38\SwissPayment\PostalAddressInterface;
 use Z38\SwissPayment\Text;
 
 /**
@@ -40,7 +39,7 @@ class IS2CreditTransfer extends CreditTransfer
      *
      * @throws \InvalidArgumentException When the amount is not in EUR or CHF.
      */
-    public function __construct($instructionId, $endToEndId, Money\Money $amount, $creditorName, PostalAddressInterface $creditorAddress, IBAN $creditorIBAN, $creditorAgentName, PostalAccount $creditorAgentPostal)
+    public function __construct($instructionId, $endToEndId, Money\Money $amount, $creditorName, $creditorAddress, IBAN $creditorIBAN, $creditorAgentName, PostalAccount $creditorAgentPostal)
     {
         if (!$amount instanceof Money\EUR && !$amount instanceof Money\CHF) {
             throw new InvalidArgumentException(sprintf(

src/Z38/SwissPayment/TransactionInformation/SEPACreditTransfer.php

@@ -7,7 +7,6 @@
 use Z38\SwissPayment\IBAN;
 use Z38\SwissPayment\Money;
 use Z38\SwissPayment\PaymentInformation\PaymentInformation;
-use Z38\SwissPayment\PostalAddressInterface;
 
 /**
  * SEPACreditTransfer contains all the information about a foreign SEPA (type 5) transaction.
@@ -30,7 +29,7 @@ class SEPACreditTransfer extends CreditTransfer
      * @param IBAN     $creditorIBAN     IBAN of the creditor
      * @param BIC|null $creditorAgentBIC BIC of the creditor's financial institution
      */
-    public function __construct($instructionId, $endToEndId, Money\EUR $amount, $creditorName, PostalAddressInterface $creditorAddress, IBAN $creditorIBAN, BIC $creditorAgentBIC = null)
+    public function __construct($instructionId, $endToEndId, Money\EUR $amount, $creditorName, $creditorAddress, IBAN $creditorIBAN, BIC $creditorAgentBIC = null)
     {
         parent::__construct($instructionId, $endToEndId, $amount, $creditorName, $creditorAddress);
 

tests/Z38/SwissPayment/Tests/Message/CustomerCreditTransferTest.php

@@ -68,7 +68,7 @@ protected function buildMessage()
             'e2e-004',
             new Money\CHF(30000), // CHF 300.00
             'Muster Transport AG',
-            new StructuredPostalAddress('Wiesenweg', '14b', '8058', 'Zürich-Flughafen'),
+            null,
             $iban4,
             IID::fromIBAN($iban4)
         );