Ruby gem for creating SEPA XML files
We love building payment applications! So after developing the DTAUS library for Ruby we move on with SEPA.
Features
This gem implements the following two messages out of the ISO 20022 standard:
- Credit Transfer Initiation (
pain.001.003.03,pain.001.002.03andpain.001.001.03) - Direct Debit Initiation (
pain.008.003.02,pain.008.002.02andpain.008.001.02)
It handles the Specification of Data Formats v2.7 (2013-11-04).
BTW: pain is a shortcut for Payment Initiation.
Requirements
- Ruby 2.2 or newer
- ActiveModel 3.1 or newer (including 6.0)
Installation
gem install sepa_king
Usage
How to create the XML for Direct Debit Initiation (in German: "Lastschriften")
# First: Create the main object
sdd = SEPA::DirectDebit.new(
# Name of the initiating party and creditor, in German: "Auftraggeber"
# String, max. 70 char
name: 'Gläubiger GmbH',
# OPTIONAL: Business Identifier Code (SWIFT-Code) of the creditor
# String, 8 or 11 char
bic: 'BANKDEFFXXX',
# International Bank Account Number of the creditor
# String, max. 34 chars
iban: 'DE87200500001234567890',
# Creditor Identifier, in German: Gläubiger-Identifikationsnummer
# String, max. 35 chars
creditor_identifier: 'DE98ZZZ09999999999'
)
# Second: Add transactions
sdd.add_transaction(
# Name of the debtor, in German: "Zahlungspflichtiger"
# String, max. 70 char
name: 'Zahlemann & Söhne GbR',
# OPTIONAL: Business Identifier Code (SWIFT-Code) of the debtor's account
# String, 8 or 11 char
bic: 'SPUEDE2UXXX',
# International Bank Account Number of the debtor's account
# String, max. 34 chars
iban: 'DE21500500009876543210',
# Amount
# Number with two decimal digit
amount: 39.99,
# OPTIONAL: Currency, EUR by default (ISO 4217 standard)
# String, 3 char
currency: 'EUR',
# OPTIONAL: Instruction Identification, will not be submitted to the debtor
# String, max. 35 char
instruction: '12345',
# OPTIONAL: End-To-End-Identification, will be submitted to the debtor
# String, max. 35 char
reference: 'XYZ/2013-08-ABO/6789',
# OPTIONAL: Unstructured remittance information, in German "Verwendungszweck"
# String, max. 140 char
remittance_information: 'Vielen Dank für Ihren Einkauf!',
# Mandate identifikation, in German "Mandatsreferenz"
# String, max. 35 char
mandate_id: 'K-02-2011-12345',
# Mandate Date of signature, in German "Datum, zu dem das Mandat unterschrieben wurde"
# Date
mandate_date_of_signature: Date.new(2011,1,25),
# Local instrument, in German "Lastschriftart"
# One of these strings:
# 'CORE' ("Basis-Lastschrift")
# 'COR1' ("Basis-Lastschrift mit verkürzter Vorlagefrist")
# 'B2B' ("Firmen-Lastschrift")
local_instrument: 'CORE',
# Sequence type
# One of these strings:
# 'FRST' ("Erst-Lastschrift")
# 'RCUR' ("Folge-Lastschrift")
# 'OOFF' ("Einmalige Lastschrift")
# 'FNAL' ("Letztmalige Lastschrift")
sequence_type: 'OOFF',
# OPTIONAL: Requested collection date, in German "Fälligkeitsdatum der Lastschrift"
# Date
requested_date: Date.new(2013,9,5),
# OPTIONAL: Enables or disables batch booking, in German "Sammelbuchung / Einzelbuchung"
# True or False
batch_booking: true
# OPTIONAL: Use a different creditor account
# CreditorAccount
creditor_account: SEPA::CreditorAccount.new(
name: 'Creditor Inc.',
bic: 'RABONL2U',
iban: 'NL08RABO0135742099',
creditor_identifier: 'NL53ZZZ091734220000'
)
# OPTIONAL: Specify the country & address of the debtor (REQUIRED for SEPA debits outside of EU. The individually required fields depend on the target country)
debtor_address: SEPA::DebtorAddress.new(
country_code: 'CH',
# Not required if individual fields are used
address_line1: 'Mustergasse 123a',
address_line2: '1234 Musterstadt'
# Not required if address_line1 and address_line2 are used
street_name: 'Mustergasse',
building_number: '123a',
post_code: '1234',
town_name: 'Musterstadt'
)
)
sdd.add_transaction ...
# Last: create XML string
xml_string = sdd.to_xml # Use latest schema pain.008.003.02
xml_string = sdd.to_xml('pain.008.002.02') # Use former schema pain.008.002.02
How to create the XML for Credit Transfer Initiation (in German: "Überweisungen")
# First: Create the main object
sct = SEPA::CreditTransfer.new(
# Name of the initiating party and debtor, in German: "Auftraggeber"
# String, max. 70 char
name: 'Schuldner GmbH',
# OPTIONAL: Business Identifier Code (SWIFT-Code) of the debtor
# String, 8 or 11 char
bic: 'BANKDEFFXXX',
# International Bank Account Number of the debtor
# String, max. 34 chars
iban: 'DE87200500001234567890'
)
# Second: Add transactions
sct.add_transaction(
# Name of the creditor, in German: "Zahlungsempfänger"
# String, max. 70 char
name: 'Telekomiker AG',
# OPTIONAL: Business Identifier Code (SWIFT-Code) of the creditor's account
# String, 8 or 11 char
bic: 'PBNKDEFF370',
# International Bank Account Number of the creditor's account
# String, max. 34 chars
iban: 'DE37112589611964645802',
# Amount
# Number with two decimal digit
amount: 102.50,
# OPTIONAL: Currency, EUR by default (ISO 4217 standard)
# String, 3 char
currency: 'EUR',
# OPTIONAL: Instruction Identification, will not be submitted to the creditor
# String, max. 35 char
instruction: '12345',
# OPTIONAL: End-To-End-Identification, will be submitted to the creditor
# String, max. 35 char
reference: 'XYZ-1234/123',
# OPTIONAL: Unstructured remittance information, in German "Verwendungszweck"
# String, max. 140 char
remittance_information: 'Rechnung vom 22.08.2013',
# OPTIONAL: Requested execution date, in German "Ausführungstermin"
# Date
requested_date: Date.new(2013,9,5),
# OPTIONAL: Enables or disables batch booking, in German "Sammelbuchung / Einzelbuchung"
# True or False
batch_booking: true,
# OPTIONAL: Urgent Payment
# One of these strings:
# 'SEPA' ("SEPA-Zahlung")
# 'URGP' ("Taggleiche Eilüberweisung")
service_level: 'URGP'
# OPTIONAL: Unstructured information to indicate the purpose of the payment
# String, max. 4 char
category_purpose: 'SALA',
# OPTIONAL: Specify the country & address of the creditor (REQUIRED for SEPA debits outside of EU. The individually required fields depend on the target country)
creditor_address: SEPA::CreditorAddress.new(
country_code: 'CH',
# Not required if individual fields are used
address_line1: 'Mustergasse 123a',
address_line2: '1234 Musterstadt'
# Not required if address_line1 and address_line2 are used
street_name: 'Mustergasse',
building_number: '123a',
post_code: '1234',
town_name: 'Musterstadt'
)
)
sct.add_transaction ...
# Last: create XML string
xml_string = sct.to_xml # Use latest schema pain.001.003.03
xml_string = sct.to_xml('pain.001.002.03') # Use former schema pain.001.002.03
Validations
You can rely on our internal validations, raising errors when needed, during message creation. To validate your models holding SEPA related information (e.g. BIC, IBAN, mandate_id) you can use our validator classes or rely on some constants.
Examples:
class BankAccount < ActiveRecord::Base
# IBAN validation, by default it validates the attribute named "iban"
validates_with SEPA::IBANValidator, field_name: :iban_the_terrible
# BIC validation, by default it validates the attribute named "bic"
validates_with SEPA::BICValidator, field_name: :bank_bic
end
class Payment < ActiveRecord::Base
validates_inclusion_of :sepa_sequence_type, in: SEPA::DirectDebitTransaction::SEQUENCE_TYPES
# Mandate ID validation, by default it validates the attribute named "mandate_id"
validates_with SEPA::MandateIdentifierValidator, field_name: :mandate_id
end
Beware: The SEPA::IBANValidator is strict - e.g. it does not allow any spaces in the IBAN.
Also see:
Changelog
https://github.com/salesking/sepa_king/releases
Contributors
https://github.com/salesking/sepa_king/graphs/contributors
Resources
License
Released under the MIT license
Copyright (c) 2013-2019 Georg Leciejewski (SalesKing), Georg Ledermann (https://github.com/ledermann)