Callcredit Ruby Client Library

Simple Ruby Gem for interacting with Callcredit's CallValidate API. Wraps the XML submissions and responses required so you can deal with Ruby hashes instead.

As of March 2018, this library is no longer actively maintained.

The input XSD schema and sample responses have also been removed, since they are considered confidential by Callcredit. As a result, the automated RSpec tests are incomplete as they depended on these fixtures.

You don't need this source code unless you want to modify the gem.

If you just want to use it, you should just add it to your Gemfile:

gem 'callcredit', '~> 1.0.0'

Requires your Callcredit credentials. If you don't have any, you'll need to call the sales team at Callcredit.

Callcredit.configure do |config|
  config[:company]          = YOUR_COMPANY_NAME
  config[:username]         = YOUR_USERNAME
  config[:password]         = YOUR_PASSWORD
  config[:application_name] = YOUR_APPLICATION_NAME
  config[:api_endpoint]     = YOUR_API_ENDPOINT
end

To perform an IDEnhanced check (the standard AML check) use:

Callcredit.id_enhanced_check(first_name: "Grey", last_name: "Baker")

The library will raise an error if you're missing any of the required parameters (first_name, last_name, date_of_birth, building_number and postcode).

To perform a BankStandard check use:

Callcredit.bank_standard_check(account_number: "44779911", sort_code: "200000")

The library will raise an error unless you provide both account_number and sort_code.

To perform a BankEnhanced check use:

Callcredit.bank_enhanced_check(first_name: "Tim", last_name: "Rogers", postcode: "EC1V 7LQ", account_number: "44779911", sort_code: "200000", building_number: "338-346")

The library will raise an error if you're missing any of the required parameters (first_name, last_name, building_number, postcode, account_number and sort_code).

For any other check, simply pass the name of the check you'd like to perform into the perform_check method, along with details of the individual you're checking.

data_hash = { personal_data: { first_name: "Grey", last_name: "Baker" } }
Callcredit.perform_check(:id_enhanced, data_hash)

If you'd like to perform multiple checks at once you can pass an array of checks.

data_hash = { personal_data: { first_name: "Grey", last_name: "Baker" } }
Callcredit.perform_check([:id_enhanced, :credit_score], data_hash)

Unless you've set the "raw" argument to true in your config, checks called by name return a Response object and checks called using the generic perform_check method return a hash.

Callcredit.id_enhanced_check(...)              # => Callcredit::Response

Callcredit.id_enhanced_check(...).input        # => Hash of input params, as
                                               #    returned by Callcredit

Callcredit.id_enhanced_check(...).result       # => Hash of results, mapping
                                               #    a check type to its results

Callcredit.id_enhanced_check(...).full_result  # => Hash of the full XML body
                                               #    returned by Callcredit

Callcredit.perform_check(...)                  # => Hash of the full XML body
                                               #    returned by Callcredit

Set the "raw" argument to true if you need the full, unprocessed response (including headers, etc.).

Callcredit.config[:raw] = true

Callcredit.id_enhanced_check(...)              # => Faraday::Response object

GoCardless ♥ open source. If you do too, come join us.