Zai Payment Ruby Library

gem 'zai_payment'

# config/initializers/zai_payment.rb
ZaiPayment.configure do |c|
  c.environment   = Rails.env.production? ? :production : :prelive
  c.client_id     = ENV.fetch("ZAI_CLIENT_ID")
  c.client_secret = ENV.fetch("ZAI_CLIENT_SECRET")
  c.scope         = ENV.fetch("ZAI_OAUTH_SCOPE")
  
  # Optional: Configure timeout settings (defaults shown)
  c.timeout       = 30  # General request timeout in seconds
  c.open_timeout  = 10  # Connection open timeout in seconds
  c.read_timeout  = 30  # Read timeout in seconds
end

# Simple one-liner (recommended)
token = ZaiPayment.token

# Or with full control (advanced)
config = ZaiPayment::Config.new
config.environment = :prelive
config.client_id = 'your_client_id'
config.client_secret = 'your_client_secret'
config.scope = 'your_scope'

token_provider = ZaiPayment::Auth::TokenProvider.new(config: config)
token = token_provider.bearer_token

# Create a payin user (buyer)
response = ZaiPayment.users.create(
  user_type: 'payin',
  email: 'buyer@example.com',
  first_name: 'John',
  last_name: 'Doe',
  country: 'USA',
  mobile: '+1234567890'
)

# Create a payout user (seller/merchant)
response = ZaiPayment.users.create(
  user_type: 'payout',
  email: 'seller@example.com',
  first_name: 'Jane',
  last_name: 'Smith',
  country: 'AUS',
  dob: '01/01/1990',
  address_line1: '456 Market St',
  city: 'Sydney',
  state: 'NSW',
  zip: '2000'
)

# Create a business user with company details
response = ZaiPayment.users.create(
  user_type: 'payout',
  email: 'director@company.com',
  first_name: 'John',
  last_name: 'Director',
  country: 'AUS',
  mobile: '+61412345678',
  authorized_signer_title: 'Director',
  company: {
    name: 'My Company',
    legal_name: 'My Company Pty Ltd',
    tax_number: '123456789',
    business_email: 'admin@company.com',
    country: 'AUS',
    charge_tax: true
  }
)

# List users
response = ZaiPayment.users.list(limit: 10, offset: 0)

# Get user details
response = ZaiPayment.users.show('user_id')

# Update user
response = ZaiPayment.users.update('user_id', mobile: '+9876543210')

# Show user wallet account
response = ZaiPayment.users.wallet_account('user_id')

# List user items with pagination
response = ZaiPayment.users.items('user_id', limit: 50, offset: 10)

# Set user disbursement account
response = ZaiPayment.users.set_disbursement_account('user_id', 'bank_account_id')

# Show user bank account
response = ZaiPayment.users.bank_account('user_id')

# Verify user (prelive only)
response = ZaiPayment.users.verify('user_id')

# Show user card account
response = ZaiPayment.users.card_account('user_id')

# List user's BPay accounts
response = ZaiPayment.users.bpay_accounts('user_id')

# Create an item
response = ZaiPayment.items.create(
  name: "Product Purchase",
  amount: 10000, # Amount in cents ($100.00)
  payment_type: 2, # Credit card
  buyer_id: "buyer-123",
  seller_id: "seller-456",
  description: "Purchase of premium product",
  currency: "AUD",
  tax_invoice: true
)

# List items
response = ZaiPayment.items.list(limit: 20, offset: 0)

# Get item details
response = ZaiPayment.items.show('item_id')

# Update item
response = ZaiPayment.items.update('item_id', name: 'Updated Name')

# Get item status
response = ZaiPayment.items.show_status('item_id')

# Get buyer/seller details
response = ZaiPayment.items.show_buyer('item_id')
response = ZaiPayment.items.show_seller('item_id')

# List transactions
response = ZaiPayment.items.list_transactions('item_id')

# Generate a bank token (for collecting bank account details)
response = ZaiPayment.token_auths.generate(
  user_id: "seller-68611249",
  token_type: "bank"
)

token = response.data['token_auth']['token']
# Use this token with PromisePay.js on the frontend

# Generate a card token (for collecting credit card details)
response = ZaiPayment.token_auths.generate(
  user_id: "buyer-12345",
  token_type: "card"
)

token = response.data['token_auth']['token']
# Use this token with PromisePay.js on the frontend

# List webhooks
response = ZaiPayment.webhooks.list
webhooks = response.data

# Create a webhook
response = ZaiPayment.webhooks.create(
  url: 'https://example.com/webhooks/zai',
  object_type: 'transactions',
  enabled: true
)

# Secure your webhooks with signature verification
secret_key = SecureRandom.alphanumeric(32)
ZaiPayment.webhooks.create_secret_key(secret_key: secret_key)

begin
  response = ZaiPayment.webhooks.create(
    url: 'https://example.com/webhook',
    object_type: 'transactions'
  )
rescue ZaiPayment::Errors::ValidationError => e
  # Handle validation errors (400, 422)
  puts "Validation error: #{e.message}"
rescue ZaiPayment::Errors::UnauthorizedError => e
  # Handle authentication errors (401)
  puts "Authentication failed: #{e.message}"
rescue ZaiPayment::Errors::NotFoundError => e
  # Handle not found errors (404)
  puts "Resource not found: #{e.message}"
rescue ZaiPayment::Errors::ApiError => e
  # Handle other API errors
  puts "API error: #{e.message}"
end