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zeekay
8aa2a5c146
IOM MTL covers EU e-money (SEPA/FPS) and international (SWIFT). Rail-aware fee calculation replaces hardcoded wire fee. DetectRail() selects network based on currency + jurisdiction.
90 lines
2.6 KiB
Go
90 lines
2.6 KiB
Go
package hooks
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// Payment rail detection based on currency + jurisdiction.
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// IOM MTL covers EU e-money (SEPA), UK (FPS), and international (SWIFT).
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// All rails route through the forex service which has CurrencyCloud, LMAX, Circle.
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// PaymentRail identifies the payment network to use.
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type PaymentRail string
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const (
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RailSEPA PaymentRail = "sepa" // EUR, EU/EEA — IOM MTL
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RailSEPAInst PaymentRail = "sepa_inst" // EUR instant — IOM MTL
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RailFPS PaymentRail = "fps" // GBP, UK — IOM MTL
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RailACH PaymentRail = "ach" // USD, US domestic
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RailWire PaymentRail = "wire" // USD, international (SWIFT)
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RailSWIFT PaymentRail = "swift" // Any currency, international
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RailInterac PaymentRail = "interac" // CAD, Canada
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RailInternal PaymentRail = "internal" // Same-platform transfer
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)
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// EUR-zone countries (SEPA participants).
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var sepaCountries = map[string]bool{
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"AT": true, "BE": true, "BG": true, "HR": true, "CY": true,
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"CZ": true, "DK": true, "EE": true, "FI": true, "FR": true,
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"DE": true, "GR": true, "HU": true, "IS": true, "IE": true,
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"IT": true, "LV": true, "LI": true, "LT": true, "LU": true,
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"MT": true, "MC": true, "NL": true, "NO": true, "PL": true,
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"PT": true, "RO": true, "SM": true, "SK": true, "SI": true,
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"ES": true, "SE": true, "CH": true, "GB": true, "IM": true, // IOM included
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}
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// DetectRail determines the appropriate payment rail for a transaction.
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func DetectRail(currency, senderCountry, recipientCountry string) PaymentRail {
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// Internal transfers (same platform) are handled separately.
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switch currency {
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case "EUR":
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if sepaCountries[senderCountry] && sepaCountries[recipientCountry] {
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return RailSEPA
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}
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return RailSWIFT
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case "GBP":
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if (senderCountry == "GB" || senderCountry == "IM") &&
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(recipientCountry == "GB" || recipientCountry == "IM") {
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return RailFPS
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}
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return RailSWIFT
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case "USD":
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if senderCountry == "US" && recipientCountry == "US" {
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return RailACH
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}
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return RailWire
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case "CAD":
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if senderCountry == "CA" && recipientCountry == "CA" {
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return RailInterac
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}
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return RailSWIFT
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default:
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return RailSWIFT
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}
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}
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// RailFee returns the flat fee in minor units for a given rail.
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func RailFee(rail PaymentRail) int64 {
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switch rail {
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case RailSEPA:
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return 500 // €5.00
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case RailSEPAInst:
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return 1000 // €10.00
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case RailFPS:
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return 0 // free
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case RailACH:
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return 0 // free
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case RailWire:
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return 2500 // $25.00
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case RailSWIFT:
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return 3500 // $35.00
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case RailInterac:
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return 150 // C$1.50
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case RailInternal:
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return 0
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default:
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return 2500
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}
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}
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