Credorax: Add support for gateway card validation

This change allows the `cardholder_name_inquiry` flag to be sent. If set to true, it will trigger first and last name data to be sent for c22, and c23. $0 auth transactions to validate cards also require the value for a9 to be set to 5.

Remote Tests:
52 tests, 176 assertions, 6 failures, 0 errors, 0 pendings, 0 omissions, 0 notifications
88.4615% passed

Unit Tests
83 tests, 399 assertions, 0 failures, 0 errors, 0 pendings, 0 omissions, 0 notifications
100% passed

lib/active_merchant/billing/gateways/credorax.rb

@@ -164,6 +164,7 @@ def authorize(amount, payment_method, options = {})
         add_3ds_2_optional_fields(post, options)
         add_echo(post, options)
         add_submerchant_id(post, options)
+        add_cardholder_name_inquiry(post, options)
         add_stored_credential(post, options)
         add_processor(post, options)
         add_authorization_details(post, options)
@@ -355,6 +356,14 @@ def add_customer_name(post, options)
         post[:j13] = options[:last_name] if options[:last_name]
       end
 
+      def add_cardholder_name_inquiry(post, options)
+        return unless options[:cardholder_name_inquiry] == true
+
+        post[:c22] = options[:first_name] if options[:first_name]
+        post[:c23] = options[:last_name] if options[:last_name]
+        post[:a9] = '5'
+      end
+
       def add_3d_secure(post, options)
         if (options[:eci] && options[:xid]) || (options[:three_d_secure] && options[:three_d_secure][:version]&.start_with?('1'))
           add_3d_secure_1_data(post, options)

test/remote/gateways/remote_credorax_test.rb

@@ -309,6 +309,14 @@ def test_successful_authorize_with_authorization_details
     assert response.authorization
   end
 
+  def test_sucessful_zero_authorize_with_name_inquiry
+    extra_options = @options.merge({ cardholder_name_inquiry: true })
+    response = @gateway.authorize(0, @credit_card, extra_options)
+    assert_success response
+    assert_equal 'Succeeded', response.message
+    assert response.authorization
+  end
+
   def test_successful_authorize_with_auth_data_via_3ds1_fields
     options = @options.merge(
       eci: '02',

test/unit/gateways/credorax_test.rb

@@ -840,6 +840,19 @@ def test_credit_adds_echo_field
     end.respond_with(successful_credit_response)
   end
 
+  def test_authorize_adds_cardholder_name_inquiry
+    @options[:cardholder_name_inquiry] = true
+    @options[:first_name] = 'Art'
+    @options[:last_name] = 'Vandelay'
+    stub_comms do
+      @gateway.authorize(0, @credit_card, @options)
+    end.check_request do |_endpoint, data, _headers|
+      assert_match(/c22=Art/, data)
+      assert_match(/c23=Vandelay/, data)
+      assert_match(/a9=5/, data)
+    end.respond_with(successful_credit_response)
+  end
+
   def test_purchase_omits_phone_when_nil
     # purchase passes the phone number when provided
     @options[:billing_address][:phone] = '555-444-3333'