Make charge bearer optional instead of constant set to SLEV

LICENSE.txt

@@ -1,4 +1,4 @@
-Copyright (c) 2018-2023 viafintech GmbH
+Copyright (c) 2018-2024 viafintech GmbH
 
 Copyright (c) 2013-2017 Georg Leciejewski (Sales King GmbH) & Georg Ledermann for portions of this project copied from sepa_king
 

README.md

@@ -91,7 +91,7 @@ sdd.add_transaction(
   # One of these strings:
   #   'CHTA' ("Banklastschrift") - Only for Swiss Direct Debits
   #   'CHDD' ("PostFinance-Lastschrift") - Only for Swiss Direct Debits
-  service_level: 'CHTA'
+  service_level: 'CHTA',
 
   # Local instrument, in German "Lastschriftart"
   # One of these strings:
@@ -198,6 +198,14 @@ sct.add_transaction(
   #   'URGP' ("Taggleiche Eilüberweisung")
   service_level: 'URGP'
 
+  # OPTIONAL: Charge Bearer
+  # One of these strings:
+  #   'DEBT' (Borne by Debitor)
+  #   'CRED' (Borne by Creditor)
+  #   'SHAR' (Shared)
+  #   'SLEV' (Service Level) - Must be SLEV for SEPA transfers
+  charge_bearer: 'SHAR',
+
   # OPTIONAL: Unstructured information to indicate the purpose of the payment
   # String, max. 4 char
   category_purpose:         'SALA',

lib/sps_king/message/credit_transfer.rb

@@ -16,7 +16,8 @@ def transaction_group(transaction)
         requested_date:   transaction.requested_date,
         batch_booking:    transaction.batch_booking,
         service_level:    transaction.service_level,
-        category_purpose: transaction.category_purpose
+        category_purpose: transaction.category_purpose,
+        charge_bearer:    transaction.charge_bearer,
       }
     end
 
@@ -56,7 +57,9 @@ def build_payment_informations(builder)
               builder.BIC(account.bic)
             end
           end
-          builder.ChrgBr('SLEV')
+          if group[:charge_bearer]
+            builder.ChrgBr(group[:charge_bearer])
+          end
 
           transactions.each do |transaction|
             build_transaction(builder, transaction)

lib/sps_king/transaction/credit_transfer_transaction.rb

@@ -3,10 +3,15 @@ module SPS
   class CreditTransferTransaction < Transaction
     attr_accessor :service_level,
                   :creditor_address,
-                  :category_purpose
+                  :category_purpose,
+                  :charge_bearer
+
+    CHARGE_BEARERS = ['DEBT', 'CRED', 'SHAR', 'SLEV'].freeze
 
     validates_length_of :category_purpose, within: 1..4, allow_nil: true
 
+    validates :charge_bearer, inclusion: CHARGE_BEARERS, allow_nil: true
+
     validate { |t| t.validate_requested_date_after(Date.today) }
 
     def schema_compatible?(schema_name)

spec/lib/sps_king/message/credit_transfer_spec.rb

@@ -261,6 +261,27 @@
         end
       end
 
+      context 'with charge bearer' do
+        SPS::CreditTransferTransaction::CHARGE_BEARERS.each do |charge_bearer|
+          context "with value #{charge_bearer}" do
+            subject do
+              sct = credit_transfer
+
+              sct.add_transaction(credit_transfer_transaction.merge(charge_bearer: charge_bearer))
+
+              sct.to_xml
+            end
+
+            it 'should contain payment_information with <ChrgBr>' do
+              puts subject
+
+              expect(subject)
+                .to have_xml('//Document/CstmrCdtTrfInitn/PmtInf[1]/ChrgBr', charge_bearer)
+            end
+          end
+        end
+      end
+
       context 'with different batch_booking given' do
         subject do
           sct = credit_transfer

spec/lib/sps_king/transaction/credit_transfer_transaction_spec.rb

@@ -11,7 +11,7 @@
           bic:                    'RAIFCH22',
           amount:                 102.50,
           reference:              'XYZ-1234/123',
-          remittance_information: 'Rechnung 123 vom 22.08.2013'
+          remittance_information: 'Rechnung 123 vom 22.08.2013',
         )
       ).to be_valid
     end
@@ -50,4 +50,16 @@
       expect(SPS::CreditTransferTransaction).not_to accept('', 'X' * 5, for: :category_purpose)
     end
   end
+
+  context 'Charge Bearer' do
+    it 'should allow valid value' do
+      expect(SPS::CreditTransferTransaction)
+        .to accept(nil, 'DEBT', 'CRED', 'SHAR', 'SLEV', for: :charge_bearer)
+    end
+
+    it 'should not allow invalid value' do
+      expect(SPS::CreditTransferTransaction)
+        .not_to accept('', 'X' * 5, 'X' * 4, for: :charge_bearer)
+    end
+  end
 end