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batchARC.go
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batchARC.go
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// Licensed to The Moov Authors under one or more contributor
// license agreements. See the NOTICE file distributed with
// this work for additional information regarding copyright
// ownership. The Moov Authors licenses this file to you under
// the Apache License, Version 2.0 (the "License"); you may
// not use this file except in compliance with the License.
// You may obtain a copy of the License at
//
// http://www.apache.org/licenses/LICENSE-2.0
//
// Unless required by applicable law or agreed to in writing,
// software distributed under the License is distributed on an
// "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
// KIND, either express or implied. See the License for the
// specific language governing permissions and limitations
// under the License.
package ach
// BatchARC holds the BatchHeader and BatchControl and all EntryDetail for ARC Entries.
//
// Accounts Receivable Entry (ARC). A consumer check converted to a one-time ACH debit.
// The Accounts Receivable (ARC) Entry provides billers the opportunity to initiate single-entry ACH
// debits to customer accounts by converting checks at the point of receipt through the U.S. mail, at
// a drop box location or in-person for payment of a bill at a manned location. The biller is required
// to provide the customer with notice prior to the acceptance of the check that states the receipt of
// the customer's check will be deemed as the authorization for an ARC debit entry to the customer's
// account. The provision of the notice and the receipt of the check together constitute authorization
// for the ARC entry. The customer's check is solely be used as a source document to obtain the routing
// number, account number and check serial number.
//
// The difference between ARC and POP is that ARC can result from a check mailed in whereas POP is in-person.
type BatchARC struct {
Batch
}
// NewBatchARC returns a *BatchARC
func NewBatchARC(bh *BatchHeader) *BatchARC {
batch := new(BatchARC)
batch.SetControl(NewBatchControl())
batch.SetHeader(bh)
batch.SetID(bh.ID)
return batch
}
// Validate checks properties of the ACH batch to ensure they match NACHA guidelines.
// This includes computing checksums, totals, and sequence orderings.
//
// Validate will never modify the batch.
func (batch *BatchARC) Validate() error {
// basic verification of the batch before we validate specific rules.
if err := batch.verify(); err != nil {
return err
}
// Add configuration and type specific validation for this type.
if batch.Header.StandardEntryClassCode != ARC {
return batch.Error("StandardEntryClassCode", ErrBatchSECType, ARC)
}
// ARC detail entries can only be a debit, ServiceClassCode must allow debits
switch batch.Header.ServiceClassCode {
case CreditsOnly:
return batch.Error("ServiceClassCode", ErrBatchServiceClassCode, batch.Header.ServiceClassCode)
}
for _, entry := range batch.Entries {
// ARC detail entries must be a debit
if entry.CreditOrDebit() != "D" {
return batch.Error("TransactionCode", ErrBatchDebitOnly, entry.TransactionCode)
}
// Amount must be 25,000 or less
if entry.Amount > 2500000 {
return batch.Error("Amount", NewErrBatchAmount(entry.Amount, 2500000))
}
// CheckSerialNumber underlying IdentificationNumber, must be defined
if entry.IdentificationNumber == "" {
return batch.Error("CheckSerialNumber", ErrBatchCheckSerialNumber)
}
// Verify the Amount is valid for SEC code and TransactionCode
if err := batch.ValidAmountForCodes(entry); err != nil {
return err
}
// Verify the TransactionCode is valid for a ServiceClassCode
if err := batch.ValidTranCodeForServiceClassCode(entry); err != nil {
return err
}
// Verify Addenda* FieldInclusion based on entry.Category and batchHeader.StandardEntryClassCode
if err := batch.addendaFieldInclusion(entry); err != nil {
return err
}
}
return nil
}
// Create will tabulate and assemble an ACH batch into a valid state. This includes
// setting any posting dates, sequence numbers, counts, and sums.
//
// Create implementations are free to modify computable fields in a file and should
// call the Batch's Validate function at the end of their execution.
func (batch *BatchARC) Create() error {
// generates sequence numbers and batch control
if err := batch.build(); err != nil {
return err
}
// Additional steps specific to batch type
// ...
return batch.Validate()
}