feat(bankingCircle): Forward payouts metadata

internal/connectors/plugins/public/bankingcircle/client/metadata.go

@@ -0,0 +1,8 @@
+package client
+
+const (
+	bankingCircleMetadataSpecNamespace = "com.bankingCircle.spec/"
+
+	BankingCircleChargeBearerMetadataKey    = bankingCircleMetadataSpecNamespace + "chargeBearer"
+	BankingCircleClearingNetworkMetadataKey = bankingCircleMetadataSpecNamespace + "clearingNetwork"
+)

internal/connectors/plugins/public/bankingcircle/client/transfer_payouts.go

@@ -28,6 +28,7 @@ type PaymentRequest struct {
 	ChargeBearer           string          `json:"chargeBearer"`
 	CreditorAccount        *PaymentAccount `json:"creditorAccount"`
 	CreditorName           string          `json:"creditorName"`
+	ClearingNetwork        string          `json:"clearingNetwork,omitempty"`
 }
 
 type PaymentResponse struct {

internal/connectors/plugins/public/bankingcircle/payouts.go

@@ -85,6 +85,12 @@ func (p *Plugin) createPayout(ctx context.Context, pi models.PSPPaymentInitiatio
 		account = pi.DestinationAccount.Metadata[models.AccountIBANMetadataKey]
 	}
 
+	chargeBearer := models.ExtractNamespacedMetadata(pi.Metadata, client.BankingCircleChargeBearerMetadataKey)
+	if chargeBearer == "" {
+		chargeBearer = "SHA"
+	}
+	clearingNetwork := models.ExtractNamespacedMetadata(pi.Metadata, client.BankingCircleClearingNetworkMetadataKey)
+
 	resp, err := p.client.InitiateTransferOrPayouts(ctx, &client.PaymentRequest{
 		IdempotencyKey:         pi.Reference,
 		RequestedExecutionDate: pi.CreatedAt,
@@ -99,13 +105,14 @@ func (p *Plugin) createPayout(ctx context.Context, pi models.PSPPaymentInitiatio
 			Currency: curr,
 			Amount:   json.Number(amount),
 		},
-		ChargeBearer: "SHA",
+		ChargeBearer: chargeBearer,
 		CreditorAccount: &client.PaymentAccount{
 			Account:              account,
 			FinancialInstitution: pi.DestinationAccount.Metadata[models.AccountSwiftBicCodeMetadataKey],
 			Country:              pi.DestinationAccount.Metadata[models.AccountBankAccountCountryMetadataKey],
 		},
-		CreditorName: *pi.DestinationAccount.Name,
+		CreditorName:    *pi.DestinationAccount.Name,
+		ClearingNetwork: clearingNetwork,
 	})
 	if err != nil {
 		return nil, err

internal/connectors/plugins/public/bankingcircle/payouts_test.go

@@ -229,6 +229,78 @@ var _ = Describe("BankingCircle Plugin Payouts Creation", func() {
 			Expect(resp).To(Equal(models.CreatePayoutResponse{}))
 		})
 
+		It("should forward metadata", func(ctx SpecContext) {
+			copyPI := samplePSPPaymentInitiation
+			copyPI.Metadata = map[string]string{
+				client.BankingCircleChargeBearerMetadataKey:    "OUR",
+				client.BankingCircleClearingNetworkMetadataKey: "SEPAINST",
+			}
+			req := models.CreatePayoutRequest{
+				PaymentInitiation: copyPI,
+			}
+
+			pr := client.PaymentResponse{
+				PaymentID: "p1",
+			}
+			m.EXPECT().GetAccount(gomock.Any(), samplePSPPaymentInitiation.SourceAccount.Reference).
+				Return(&client.Account{
+					AccountIdentifiers: []client.AccountIdentifier{{
+						Account:              "123456789",
+						FinancialInstitution: "test",
+						Country:              "US",
+					}},
+				}, nil)
+
+			m.EXPECT().InitiateTransferOrPayouts(gomock.Any(), &client.PaymentRequest{
+				IdempotencyKey:         samplePSPPaymentInitiation.Reference,
+				RequestedExecutionDate: samplePSPPaymentInitiation.CreatedAt,
+				DebtorAccount: client.PaymentAccount{
+					Account:              "123456789",
+					FinancialInstitution: "test",
+					Country:              "US",
+				},
+				DebtorReference:    samplePSPPaymentInitiation.Description,
+				CurrencyOfTransfer: "EUR",
+				Amount: client.Amount{
+					Currency: "EUR",
+					Amount:   "1.00",
+				},
+				ChargeBearer: "OUR",
+				CreditorAccount: &client.PaymentAccount{
+					Account:              "acc",
+					FinancialInstitution: "bic",
+					Country:              "US",
+				},
+				CreditorName:    "acc2",
+				ClearingNetwork: "SEPAINST",
+			}).Return(&pr, nil)
+
+			paymentResponse := client.Payment{
+				PaymentID:                    "p1",
+				TransactionReference:         "transaction-p1",
+				Status:                       "Processed",
+				Classification:               "Outgoing",
+				ProcessedTimestamp:           now.UTC(),
+				LatestStatusChangedTimestamp: now.UTC(),
+				DebtorInformation: client.DebtorInformation{
+					AccountID: "123",
+				},
+				Transfer: client.Transfer{
+					Amount: client.Amount{
+						Currency: "EUR",
+						Amount:   "1.00",
+					},
+				},
+				CreditorInformation: client.CreditorInformation{
+					AccountID: "321",
+				},
+			}
+			m.EXPECT().GetPayment(gomock.Any(), "p1").Return(&paymentResponse, nil)
+
+			_, err := plg.CreatePayout(ctx, req)
+			Expect(err).To(BeNil())
+		})
+
 		It("should be ok", func(ctx SpecContext) {
 			req := models.CreatePayoutRequest{
 				PaymentInitiation: samplePSPPaymentInitiation,