sepa/pain/payment_information_transactions.go

package pain

import (
	"fmt"
	"strings"
	"time"
)

type DrctDbtTxInf struct {
	Id          PaymentId          `xml:"PmtId"`
	Amount      CurrencyWithAmount `xml:"InstdAmt"`
	Transaction DrctDbtTx          `xml:"DrctDbtTx"`
	Agent       DbtrAgt            `xml:"DbtrAgt"`
	Debtor      Dbtr               `xml:"Dbtr"`
	Account     DbtrAcct           `xml:"DbtrAcct"`
	Info        RmtInf             `xml:"RmtInf"`
}

func NewDirectDebitTransaction(debtor Dbtr, account DbtrAcct, mandateInfo MndtRltdInf, amount float64, additionalInfo string, counter int) DrctDbtTxInf {
	e2eid := fmt.Sprintf("%v%04d", time.Now().Format("20060102"), counter)
	return DrctDbtTxInf{
		Id: PaymentId{
			EndToEndId: e2eid,
		},
		Amount: CurrencyWithAmount{
			Currency: "EUR",
			Value:    fmt.Sprintf("%.2f", amount),
		},
		Transaction: DrctDbtTx{
			MandateRelatedInfo: mandateInfo,
		},
		Agent: DbtrAgt{
			InstitutionId: FinInstnId{
				BIC: "NOTPROVIDED",
			},
		},
		Debtor:  debtor,
		Account: account,
		Info: RmtInf{
			Value: additionalInfo,
		},
	}
}

func (d *DrctDbtTxInf) Valid() error {
	var err []string
	if e := d.Id.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}
	if e := d.Amount.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}
	if e := d.Transaction.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}
	if e := d.Agent.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}
	if e := d.Debtor.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}
	if e := d.Account.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}

	if len(err) > 0 {
		return fmt.Errorf("direct debit transaction information not valid: %v", strings.Join(err, ", "))
	}
	return nil
}

type CurrencyWithAmount struct {
	Currency string `xml:"Ccy,attr"`
	Value    string `xml:",innerxml"`
}

func (c *CurrencyWithAmount) Valid() error {
	var err []string
	if c.Currency != "EUR" {
		err = append(err, "expected Ccy EUR")
	}
	if !SEPARegexps["InstdAmnt"].MatchString(c.Value) {
		err = append(err, "value does not match format")
	}

	if len(err) > 0 {
		return fmt.Errorf("currency with amount not valid: %v", strings.Join(err, ", "))
	}
	return nil
}

type PaymentId struct {
	InstrumentId string `xml:"InstrId,omitempty"`
	EndToEndId   string `xml:"EndToEndId"`
}

func (p *PaymentId) Valid() error {
	var err []string
	if !SEPARegexps["InstrId"].MatchString(p.InstrumentId) {
		err = append(err, "instrument id does not match format")
	}
	if !SEPARegexps["EndToEndId"].MatchString(p.EndToEndId) {
		err = append(err, "end-to-end id does not match format")
	}

	if len(err) > 0 {
		return fmt.Errorf("payment id not valid: %v", strings.Join(err, ", "))
	}
	return nil
}

type MndtRltdInf struct {
	Id            string `xml:"MndtId"`
	SignatureDate string `xml:"DtOfSgntr"`
	IsAmended     bool   `xml:"AmdmntInd"`
	//AmdmntInfDtls is optional
	//ElctrncSgntr is optional
}

// NewMandateInfo truncates id to 35 characters
func NewMandateInfo(id, signatureDate string) MndtRltdInf {
	if len(id) > 35 {
		id = id[0:35]
	}
	return MndtRltdInf{
		Id:            id,
		SignatureDate: signatureDate,
		IsAmended:     false,
	}
}

func (m *MndtRltdInf) Valid() error {
	var err []string
	if !SEPARegexps["MndtId"].MatchString(m.Id) {
		err = append(err, "mandate id does not match format")
	}
	if !SEPARegexps["DtOfSgntr"].MatchString(m.SignatureDate) {
		err = append(err, "date of signature does not match format")
	}

	if len(err) > 0 {
		return fmt.Errorf("mandate related information is not valid: %v", strings.Join(err, ", "))
	}
	return nil
}

type DrctDbtTx struct {
	MandateRelatedInfo MndtRltdInf `xml:"MndtRltdInf"`
	//CdtrSchemeId is optional
}

func (d *DrctDbtTx) Valid() error {
	return d.MandateRelatedInfo.Valid()
}

type DbtrAgt struct {
	InstitutionId FinInstnId `xml:"FinInstnId"`
}

func (d *DbtrAgt) Valid() error {
	return d.InstitutionId.Valid()
}

type Dbtr struct {
	Name    string  `xml:"Nm"`
	Address PstlAdr `xml:"PstlAdr"`
}

func NewDebtor(name, line1, line2, country string) Dbtr {
	return Dbtr{
		Name: name,
		Address: PstlAdr{
			Country: country,
			AddressLines: []AdrLine{
				AdrLine(line1),
				AdrLine(line2),
			},
		},
	}
}

func (d *Dbtr) Valid() error {
	var err []string
	if !SEPARegexps["Nm"].MatchString(d.Name) {
		err = append(err, "name does not match format")
	}
	if e := d.Address.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}

	if len(err) > 0 {
		return fmt.Errorf("dbtr not valid: %v", strings.Join(err, ", "))
	}
	return nil
}

type DbtrAcct struct {
	Id IBAN `xml:"Id"`
}

func NewDbtrAcct(iban string) DbtrAcct {
	return DbtrAcct{
		Id: IBAN{
			IBAN: iban,
		},
	}
}

func (d *DbtrAcct) Valid() error {
	return d.Id.Valid()
}

type RmtInf struct {
	Value string `xml:"Ustrd"`
}

func (r *RmtInf) Valid() error {
	if !SEPARegexps["Ustrd"].MatchString(r.Value) {
		return fmt.Errorf("remittance information does not match format")
	}
	return nil
}