fix: Debitor ids are optional for transfers

lib/sepa.js

@@ -356,7 +356,9 @@
         assert_date(this.requestedExecutionDate, 'requestedExecutionDate');
       }
 
-      assert_cid(this[pullFrom + 'Id'], pullFrom + 'Id');
+      if (this[pullFrom + 'Id']) {
+        assert_cid(this[pullFrom + 'Id'], pullFrom + 'Id');
+      }
 
       assert_length(this[pullFrom + 'Name'], null, 70, pullFrom + 'Name');
       assert_length(this[pullFrom + 'Street'], null, 70, pullFrom + 'Street');
@@ -411,6 +413,10 @@
       var emitter = n(pmtInf, emitterNodeName);
 
       r(emitter, 'Nm', this[pullFrom + 'Name']);
+      if (this[pullFrom + 'Id']) {
+        r(emitter, 'Id', this[pullFrom + 'Id']);
+      }
+
       if (this[pullFrom + 'Street'] && this[pullFrom + 'City'] && this[pullFrom + 'Country']) {
         var pstl = n(emitter, 'PstlAdr');
         r(pstl, 'Ctry', this[pullFrom + 'Country']);

lib/sepa.test.js

@@ -1,4 +1,10 @@
 var SEPA = require('./sepa.js');
+var xpath = require('xpath');
+
+// The following debtor id is provided by German Bundesbank for testing purposes.
+const A_VALID_CREDITOR_ID = 'DE98ZZZ09999999999';
+
+const A_VALID_IBAN = 'DE43500105178994141576';
 
 describe('IBAN tests',
   () => {
@@ -30,3 +36,135 @@ describe('IBAN tests',
       expect(SEPA.validateIBAN('DE1Zsantander')).toBe(false);
     });
   });
+
+describe('xml generation for transfer documents', () => {
+  const PAIN_FOR_TRANSFERS = 'pain.001.003.03';
+
+  function validTransferDocument({debtorId=A_VALID_CREDITOR_ID, debtorName='default-debtor-name'}) {
+    const doc = new SEPA.Document(PAIN_FOR_TRANSFERS);
+    doc.grpHdr.created = new Date();
+
+    const info = doc.createPaymentInfo();
+    info.collectionDate = new Date();
+    info.debtorIBAN = A_VALID_IBAN;
+    info.debtorName = debtorName;
+    info.debtorId = debtorId;
+    info.requestedExecutionDate = new Date();
+    doc.addPaymentInfo(info);
+
+    const tx = info.createTransaction();
+    tx.creditorName = 'creditor-name';
+    tx.creditorIBAN = A_VALID_IBAN;
+    tx.amount = 1.0;
+    tx.mandateSignatureDate = new Date();
+    info.addTransaction(tx);
+    return doc;
+  }
+
+  test('debtor id is optional for transfer documents', () => {
+    // GIVEN
+    const doc = validTransferDocument({debtorId: null});
+    // WHEN
+    const dom = doc.toXML();
+    // THEN
+    const select = xpath.useNamespaces({
+      p: `urn:iso:std:iso:20022:tech:xsd:${PAIN_FOR_TRANSFERS}`,
+    });
+    const debtorId = select('/p:Document/p:CstmrCdtTrfInitn/p:PmtInf/p:Dbtr/p:Id', dom, true);
+    expect(debtorId).toBeUndefined();
+  });
+
+  test('debtor name and id are included in transfer documents when they are set', () => {
+    // GIVEN
+    const doc = validTransferDocument({debtorId: 'FR72ZZZ123456', debtorName: 'debtor-name'});
+
+    // WHEN
+    const dom = doc.toXML();
+
+    // THEN
+    const select = xpath.useNamespaces({
+      p: `urn:iso:std:iso:20022:tech:xsd:${PAIN_FOR_TRANSFERS}`,
+    });
+
+    const debtorName = select('/p:Document/p:CstmrCdtTrfInitn/p:PmtInf/p:Dbtr/p:Nm', dom, true);
+    expect(debtorName).not.toBeUndefined();
+    expect(debtorName.textContent).toBe('debtor-name');
+
+    const debtorId = select('/p:Document/p:CstmrCdtTrfInitn/p:PmtInf/p:Dbtr/p:Id', dom, true);
+    expect(debtorId).not.toBeUndefined();
+    expect(debtorId.textContent).toBe('FR72ZZZ123456');
+  });
+
+  test('dutch debtor ids are accepted', () => {
+    // GIVEN
+    const validDutchCreditorId = 'NL79ZZZ999999990000';
+    const doc = validTransferDocument({debtorId: validDutchCreditorId});
+
+    // WHEN
+    const dom = doc.toXML();
+
+    // THEN
+    const select = xpath.useNamespaces({
+      p: `urn:iso:std:iso:20022:tech:xsd:${PAIN_FOR_TRANSFERS}`,
+    });
+
+    const debtorId = select('/p:Document/p:CstmrCdtTrfInitn/p:PmtInf/p:Dbtr/p:Id', dom, true);
+    expect(debtorId).not.toBeUndefined();
+    expect(debtorId.textContent).toBe(validDutchCreditorId);
+  });
+});
+
+describe('xml generation for direct debit documents', () => {
+  const PAIN_FOR_DIRECT_DEBIT = 'pain.008.001.02';
+  function validDirectDebitDocument({creditorId=A_VALID_CREDITOR_ID}) {
+    var doc = new SEPA.Document(PAIN_FOR_DIRECT_DEBIT);
+    doc.grpHdr.created = new Date();
+
+    var info = doc.createPaymentInfo();
+    info.collectionDate = new Date();
+    info.creditorIBAN = A_VALID_IBAN;
+    info.creditorId = creditorId;
+    doc.addPaymentInfo(info);
+
+    var tx = info.createTransaction();
+    tx.debtorIBAN = A_VALID_IBAN;
+    tx.mandateSignatureDate = new Date('2014-02-01');
+    tx.amount = 50.23;
+    info.addTransaction(tx);
+
+    return doc;
+  }
+
+  test('includes creditor id when set', () => {
+    // GIVEN
+    const doc = validDirectDebitDocument({creditorId: 'IT66ZZZA1B2C3D4E5F6G7H8'});
+
+    // WHEN
+    const dom = doc.toXML();
+
+    // THEN
+    const select = xpath.useNamespaces({
+      p: `urn:iso:std:iso:20022:tech:xsd:${PAIN_FOR_DIRECT_DEBIT}`,
+    });
+
+    const creditorId = select('/p:Document/p:CstmrDrctDbtInitn/p:PmtInf/p:Cdtr/p:Id', dom, true);
+    expect(creditorId).not.toBeUndefined();
+    expect(creditorId.textContent).toBe('IT66ZZZA1B2C3D4E5F6G7H8');
+  });
+
+  test('Works without setting creditor id', () => {
+    // GIVEN
+    const doc = validDirectDebitDocument({creditorId: null});
+
+    // WHEN
+    const dom = doc.toXML();
+
+    // THEN
+    const select = xpath.useNamespaces({
+      p: `urn:iso:std:iso:20022:tech:xsd:${PAIN_FOR_DIRECT_DEBIT}`,
+    });
+
+    const creditorId = select('/p:Document/p:CstmrDrctDbtInitn/p:PmtInf/p:Cdtr/p:Id', dom, true);
+    expect(creditorId).toBeUndefined();
+  });
+});

package.json

@@ -27,7 +27,8 @@
     "eslint-plugin-jest": "^27.6.0",
     "jest": "^29.7.0",
     "pre-commit": "*",
-    "uglify-js": "^3.3.20"
+    "uglify-js": "^3.3.20",
+    "xpath": "^0.0.33"
   },
   "engines": {
     "node": "*"