feat: ACH transfers (#905)

crates/api_models/src/enums.rs

@@ -468,6 +468,7 @@ pub enum PaymentMethod {
     PayLater,
     Wallet,
     BankRedirect,
+    BankTransfer,
     Crypto,
     BankDebit,
 }

crates/api_models/src/payment_methods.rs

@@ -608,3 +608,13 @@ pub struct TokenizedWalletValue1 {
 pub struct TokenizedWalletValue2 {
     pub customer_id: Option<String>,
 }
+
+#[derive(Debug, serde::Serialize, serde::Deserialize)]
+pub struct TokenizedBankTransferValue1 {
+    pub data: payments::BankTransferData,
+}
+
+#[derive(Debug, serde::Serialize, serde::Deserialize)]
+pub struct TokenizedBankTransferValue2 {
+    pub customer_id: Option<String>,
+}

crates/api_models/src/payments.rs

@@ -547,6 +547,7 @@ pub enum PaymentMethodData {
     PayLater(PayLaterData),
     BankRedirect(BankRedirectData),
     BankDebit(BankDebitData),
+    BankTransfer(Box<BankTransferData>),
     Crypto(CryptoData),
     MandatePayment,
 }
@@ -563,6 +564,7 @@ pub enum AdditionalPaymentData {
     },
     Wallet {},
     PayLater {},
+    BankTransfer {},
     Crypto {},
     BankDebit {},
     MandatePayment {},
@@ -589,6 +591,7 @@ impl From<&PaymentMethodData> for AdditionalPaymentData {
             },
             PaymentMethodData::Wallet(_) => Self::Wallet {},
             PaymentMethodData::PayLater(_) => Self::PayLater {},
+            PaymentMethodData::BankTransfer(_) => Self::BankTransfer {},
             PaymentMethodData::Crypto(_) => Self::Crypto {},
             PaymentMethodData::BankDebit(_) => Self::BankDebit {},
             PaymentMethodData::MandatePayment => Self::MandatePayment {},
@@ -695,6 +698,16 @@ pub enum BankRedirectData {
     },
 }
 
+#[derive(Debug, Clone, Eq, PartialEq, serde::Deserialize, serde::Serialize)]
+pub struct AchBankTransferData {
+    pub billing_details: AchBillingDetails,
+}
+
+#[derive(Debug, Clone, Eq, PartialEq, serde::Deserialize, serde::Serialize)]
+pub struct AchBillingDetails {
+    pub email: Email,
+}
+
 #[derive(Debug, Clone, Eq, PartialEq, serde::Deserialize, serde::Serialize, ToSchema)]
 #[serde(rename_all = "snake_case")]
 pub struct CryptoData {}
@@ -716,6 +729,12 @@ pub struct BankRedirectBilling {
     pub email: Option<Email>,
 }
 
+#[derive(Eq, PartialEq, Clone, Debug, serde::Deserialize, serde::Serialize, ToSchema)]
+#[serde(rename_all = "snake_case")]
+pub enum BankTransferData {
+    AchBankTransfer(AchBankTransferData),
+}
+
 #[derive(serde::Deserialize, serde::Serialize, Debug, Clone, ToSchema, Eq, PartialEq)]
 pub struct BankDebitBilling {
     /// The billing name for bank debits
@@ -836,8 +855,7 @@ pub struct CardResponse {
 pub enum PaymentMethodDataResponse {
     #[serde(rename = "card")]
     Card(CardResponse),
-    #[serde(rename(deserialize = "bank_transfer"))]
-    BankTransfer,
+    BankTransfer(BankTransferData),
     Wallet(WalletData),
     PayLater(PayLaterData),
     Paypal,
@@ -855,6 +873,8 @@ pub enum PaymentIdType {
     ConnectorTransactionId(String),
     /// The identifier for payment attempt
     PaymentAttemptId(String),
+    /// The identifier for preprocessing step
+    PreprocessingId(String),
 }
 
 impl std::fmt::Display for PaymentIdType {
@@ -870,6 +890,9 @@ impl std::fmt::Display for PaymentIdType {
             Self::PaymentAttemptId(payment_attempt_id) => {
                 write!(f, "payment_attempt_id = \"{payment_attempt_id}\"")
             }
+            Self::PreprocessingId(preprocessing_id) => {
+                write!(f, "preprocessing_id = \"{preprocessing_id}\"")
+            }
         }
     }
 }
@@ -1004,15 +1027,39 @@ pub enum NextActionType {
     DisplayQrCode,
     InvokeSdkClient,
     TriggerApi,
+    DisplayBankTransferInformation,
 }
 #[derive(Clone, Debug, Eq, PartialEq, serde::Serialize, ToSchema)]
 pub struct NextAction {
     /// Specifying the action type to be performed next
     #[serde(rename = "type")]
     pub next_action_type: NextActionType,
+    //TODO: Make an enum having redirect_to_url and bank_transfer_steps_and_charges_details and use here
     /// Contains the url for redirection flow
     #[schema(example = "https://router.juspay.io/redirect/fakushdfjlksdfasklhdfj")]
     pub redirect_to_url: Option<String>,
+    /// Informs the next steps for bank transfer and also contains the charges details (ex: amount received, amount charged etc)
+    pub bank_transfer_steps_and_charges_details: Option<NextStepsRequirements>,
+}
+
+#[derive(Clone, Debug, Eq, PartialEq, serde::Serialize, serde::Deserialize)]
+pub struct NextStepsRequirements {
+    pub ach_credit_transfer: AchTransfer,
+    pub receiver: ReceiverDetails,
+}
+
+#[derive(Clone, Debug, Eq, PartialEq, serde::Serialize, serde::Deserialize)]
+pub struct AchTransfer {
+    pub account_number: Secret<String>,
+    pub bank_name: String,
+    pub routing_number: Secret<String>,
+    pub swift_code: Secret<String>,
+}
+
+#[derive(Clone, Debug, Eq, PartialEq, serde::Serialize, serde::Deserialize)]
+pub struct ReceiverDetails {
+    pub amount_received: i64,
+    pub amount_charged: i64,
 }
 
 #[derive(Setter, Clone, Default, Debug, Eq, PartialEq, serde::Serialize, ToSchema)]
@@ -1391,6 +1438,9 @@ impl From<PaymentMethodData> for PaymentMethodDataResponse {
             PaymentMethodData::BankRedirect(bank_redirect_data) => {
                 Self::BankRedirect(bank_redirect_data)
             }
+            PaymentMethodData::BankTransfer(bank_transfer_data) => {
+                Self::BankTransfer(*bank_transfer_data)
+            }
             PaymentMethodData::Crypto(crpto_data) => Self::Crypto(crpto_data),
             PaymentMethodData::BankDebit(bank_debit_data) => Self::BankDebit(bank_debit_data),
             PaymentMethodData::MandatePayment => Self::MandatePayment,

crates/api_models/src/webhooks.rs

@@ -12,6 +12,9 @@ pub enum IncomingWebhookEvent {
     PaymentIntentProcessing,
     PaymentActionRequired,
     EventNotSupported,
+    SourceChargeable,
+    SourceTransactionCreated,
+    ChargeSucceeded,
     RefundFailure,
     RefundSuccess,
     DisputeOpened,
@@ -32,6 +35,7 @@ pub enum WebhookFlow {
     Dispute,
     Subscription,
     ReturnResponse,
+    BankTransfer,
 }
 
 impl From<IncomingWebhookEvent> for WebhookFlow {
@@ -52,6 +56,9 @@ impl From<IncomingWebhookEvent> for WebhookFlow {
             IncomingWebhookEvent::DisputeWon => Self::Dispute,
             IncomingWebhookEvent::DisputeLost => Self::Dispute,
             IncomingWebhookEvent::EndpointVerification => Self::ReturnResponse,
+            IncomingWebhookEvent::SourceChargeable
+            | IncomingWebhookEvent::SourceTransactionCreated => Self::BankTransfer,
+            IncomingWebhookEvent::ChargeSucceeded => Self::Payment,
         }
     }
 }

crates/router/src/connector/aci/transformers.rs

@@ -296,6 +296,7 @@ impl TryFrom<&types::PaymentsAuthorizeRouterData> for AciPaymentsRequest {
 
             api::PaymentMethodData::Crypto(_)
             | api::PaymentMethodData::BankDebit(_)
+            | api::PaymentMethodData::BankTransfer(_)
             | api::PaymentMethodData::MandatePayment => {
                 Err(errors::ConnectorError::NotSupported {
                     message: format!("{:?}", item.payment_method),

crates/router/src/connector/authorizedotnet/transformers.rs

@@ -70,6 +70,7 @@ enum PaymentDetails {
     Paypal,
     #[serde(rename = "bankRedirect")]
     BankRedirect,
+    BankTransfer,
 }
 
 fn get_pm_and_subsequent_auth_detail(
@@ -137,7 +138,8 @@ fn get_pm_and_subsequent_auth_detail(
             }
             api::PaymentMethodData::Crypto(_)
             | api::PaymentMethodData::BankDebit(_)
-            | api::PaymentMethodData::MandatePayment => {
+            | api::PaymentMethodData::MandatePayment
+            | api::PaymentMethodData::BankTransfer(_) => {
                 Err(errors::ConnectorError::NotSupported {
                     message: format!("{:?}", item.request.payment_method_data),
                     connector: "AuthorizeDotNet",