Implementing CustomReturnCode validation

addenda99.go

@@ -69,6 +69,8 @@ type Addenda99 struct {
 	validator
 	// converters is composed for ACH to GoLang Converters
 	converters
+
+	validateOpts *ValidateOpts
 }
 
 // ReturnCode holds a return Code, Reason/Title, and Description
@@ -142,14 +144,26 @@ func (Addenda99 *Addenda99) Validate() error {
 		return fieldError("TypeCode", ErrAddendaTypeCode, Addenda99.TypeCode)
 	}
 
-	_, ok := returnCodeDict[Addenda99.ReturnCode]
-	if !ok {
-		// Return Addenda requires a valid ReturnCode
-		return fieldError("ReturnCode", ErrAddenda99ReturnCode, Addenda99.ReturnCode)
+	if Addenda99.validateOpts == nil || !Addenda99.validateOpts.CustomReturnCodes {
+		_, ok := returnCodeDict[Addenda99.ReturnCode]
+		if !ok {
+			// Return Addenda requires a valid ReturnCode
+			return fieldError("ReturnCode", ErrAddenda99ReturnCode, Addenda99.ReturnCode)
+		}
 	}
+
 	return nil
 }
 
+// SetValidation stores ValidateOpts on the Batch which are to be used to override
+// the default NACHA validation rules.
+func (Addenda99 *Addenda99) SetValidation(opts *ValidateOpts) {
+	if Addenda99 == nil {
+		return
+	}
+	Addenda99.validateOpts = opts
+}
+
 // OriginalTraceField returns a zero padded OriginalTrace string
 func (Addenda99 *Addenda99) OriginalTraceField() string {
 	return Addenda99.stringField(Addenda99.OriginalTrace, 15)

addenda99_test.go

@@ -391,3 +391,49 @@ func TestAddenda99__MissingFileHeaderControl(t *testing.T) {
 		t.Errorf("got %d entries", len(entries))
 	}
 }
+
+func TestAddenda99__SetValidation(t *testing.T) {
+	addenda99 := NewAddenda99()
+	addenda99.SetValidation(&ValidateOpts{
+		CustomReturnCodes: true,
+	})
+
+	addenda99.ReturnCode = "@#$" // can safely say this will never be a real ReasonCode
+	if err := addenda99.Validate(); err != nil {
+		t.Fatal(err)
+	}
+
+	addenda99.SetValidation(&ValidateOpts{
+		CustomReturnCodes: false,
+	})
+	if err := addenda99.Validate(); err == nil {
+		t.Fatal("Did not flag invalid reason code")
+	}
+	addenda99 = nil
+	addenda99.SetValidation(&ValidateOpts{})
+}
+
+func TestAddenda99__CustomReturnCode(t *testing.T) {
+	mockBatch := mockBatch()
+	// Add a Addenda Return to the mock batch
+	if len(mockBatch.Entries) != 1 {
+		t.Fatal("Expected 1 batch entry")
+	}
+	addenda99 := NewAddenda99()
+	addenda99.SetValidation(&ValidateOpts{
+		CustomReturnCodes: true,
+	})
+
+	addenda99.ReturnCode = "@#$" // can safely say this will never be a real ReasonCode
+	mockBatch.Entries[0].Addenda99 = addenda99
+	mockBatch.Entries[0].Category = CategoryReturn
+	mockBatch.Entries[0].AddendaRecordIndicator = 1
+
+	// replace last 2 of TraceNumber
+	if err := mockBatch.build(); err != nil {
+		t.Errorf("%T: %s", err, err)
+	}
+	if err := mockBatch.verify(); err != nil {
+		t.Errorf("%T: %s", err, err)
+	}
+}

examples/example_customReturnCode_test.go

@@ -0,0 +1,80 @@
+// 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 examples
+
+import (
+	"fmt"
+	"log"
+	"strings"
+
+	"github.com/moov-io/ach"
+)
+
+// Example_customReturnCode writes an ACH file with a non-standard Return Code
+func Example_customReturnCode() {
+	fh := mockFileHeader()
+
+	bh := ach.NewBatchHeader()
+	bh.ServiceClassCode = ach.CreditsOnly
+	bh.CompanyName = "My Company"
+	bh.CompanyIdentification = fh.ImmediateOrigin
+	bh.StandardEntryClassCode = ach.PPD
+	bh.CompanyEntryDescription = "Cash Back"
+	bh.EffectiveEntryDate = "190816" // need EffectiveEntryDate to be fixed so it can match output
+	bh.ODFIIdentification = "987654320"
+
+	entry := ach.NewEntryDetail()
+	entry.TransactionCode = 22 // example of a custom code
+	entry.SetRDFI("123456780")
+	entry.DFIAccountNumber = "12567"
+	entry.Amount = 100000000
+	entry.SetTraceNumber(bh.ODFIIdentification, 2)
+	entry.IndividualName = "Jane Smith"
+	addenda99 := ach.NewAddenda99()
+	addenda99.ReturnCode = "abc"
+	entry.Addenda99 = addenda99
+	entry.Category = ach.CategoryReturn
+	entry.AddendaRecordIndicator = 1
+	entry.Addenda99.SetValidation(&ach.ValidateOpts{
+		CustomReturnCodes: true,
+	})
+
+	// build the batch
+	batch := ach.NewBatchPPD(bh)
+	batch.AddEntry(entry)
+	if err := batch.Create(); err != nil {
+		log.Fatalf("Unexpected error building batch: %s\n", err)
+	}
+
+	// build the file
+	file := ach.NewFile()
+	file.SetHeader(fh)
+	file.AddBatch(batch)
+	if err := file.Create(); err != nil {
+		log.Fatalf("Unexpected error building file: %s\n", err)
+	}
+
+	fmt.Printf("TransactionCode=%d\n", file.Batches[0].GetEntries()[0].TransactionCode)
+	fmt.Println(file.Batches[0].GetEntries()[0].String())
+	fmt.Printf("ReturnCode=%s\n", strings.TrimSpace(file.Batches[0].GetEntries()[0].Addenda99.ReturnCode))
+
+	// Output:
+	// TransactionCode=22
+	// 62212345678012567            0100000000               Jane Smith              1987654320000002
+	// ReturnCode=abc
+}

file.go

@@ -594,6 +594,10 @@ type ValidateOpts struct {
 	// BypassCompanyIdentificationMatch allows batches in which the Company Identification field
 	// in the batch header and control do not match.
 	BypassCompanyIdentificationMatch bool `json:"bypassCompanyIdentificationMatch"`
+
+	// CustomReturnCodes can be set to skip validation for the Return Code field in an Addenda99
+	// This allows for non-standard/deprecated return codes (e.g. R97)
+	CustomReturnCodes bool `json:"customReturnCodes"`
 }
 
 // ValidateWith performs checks on each record according to Nacha guidelines.

go.mod

@@ -11,7 +11,7 @@ require (
 	github.com/mattn/go-isatty v0.0.13
 	github.com/moov-io/base v0.21.0
 	github.com/prometheus/client_golang v1.11.0
-	github.com/stretchr/testify v1.7.0 // indirect
+	github.com/stretchr/testify v1.7.0
 	golang.org/x/net v0.0.0-20210614182718-04defd469f4e // indirect
 	golang.org/x/oauth2 v0.0.0-20210622215436-a8dc77f794b6 // indirect
 	google.golang.org/appengine v1.6.7 // indirect

reader.go

@@ -459,6 +459,7 @@ func (r *Reader) parseAddenda() error {
 			case "99":
 				addenda99 := NewAddenda99()
 				addenda99.Parse(r.line)
+				addenda99.SetValidation(r.File.validateOpts)
 				if err := addenda99.Validate(); err != nil {
 					return r.parseError(err)
 				}

reader_test.go

@@ -1642,6 +1642,27 @@ func TestReturnACHFile(t *testing.T) {
 	}
 }
 
+// TestReturnACHFile test loading PPD return file with a custom return code
+func TestReturnACHFileCustomReasonCode(t *testing.T) {
+	f, err := os.Open(filepath.Join("test", "testdata", "return-PPD-custom-reason-code.ach"))
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer f.Close()
+
+	r := NewReader(f)
+	r.SetValidation(&ValidateOpts{
+		CustomReturnCodes: true,
+	})
+	data, err := r.Read()
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err := data.Validate(); err != nil {
+		t.Fatal(err)
+	}
+}
+
 // TestADVReturnError returns a Parse Error
 func TestADVReturnError(t *testing.T) {
 	file := NewFile().SetHeader(mockFileHeader())

server/files.go

@@ -120,6 +120,7 @@ func decodeCreateFileRequest(_ context.Context, request *http.Request) (interfac
 		customTraceNumbers               = "customTraceNumbers"
 		allowZeroBatches                 = "allowZeroBatches"
 		bypassCompanyIdentificationMatch = "bypassCompanyIdentificationMatch"
+		customReturnCodes                = "customReturnCodes"
 	)
 
 	validationNames := []string{
@@ -129,6 +130,7 @@ func decodeCreateFileRequest(_ context.Context, request *http.Request) (interfac
 		customTraceNumbers,
 		allowZeroBatches,
 		bypassCompanyIdentificationMatch,
+		customReturnCodes,
 	}
 
 	for _, name := range validationNames {
@@ -158,6 +160,8 @@ func decodeCreateFileRequest(_ context.Context, request *http.Request) (interfac
 			req.validateOpts.AllowZeroBatches = true
 		case bypassCompanyIdentificationMatch:
 			req.validateOpts.BypassCompanyIdentificationMatch = true
+		case customReturnCodes:
+			req.validateOpts.CustomReturnCodes = true
 		}
 	}
 

test/testdata/return-PPD-custom-reason-code.ach

@@ -0,0 +1,10 @@
+101 092221172 1724443902107221026A094101Fake destination       Fake origin
+5200dummy company   PAYROLL             1234567   PPDDIR DEP   072221210702   1092221170000001
+6210922211721234567          0000106161xxxxxxx3105    Jane Doe              DD1092221170000001
+799R97092221172022300      12330515                                            092221170000001
+820000000200092221170000000000000000001061611234567                            092221170000001
+9000001000001000000020009222117000000000000000000106161
+9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
+9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
+9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
+9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999