Sentia · eddyjaga · Nov 7, 2025 · Nov 7, 2025 · Nov 7, 2025
diff --git a/Gemfile.lock b/Gemfile.lock
@@ -1,7 +1,7 @@
 PATH
   remote: .
   specs:
-    zai_payment (2.8.0)
+    zai_payment (2.8.1)
       base64 (~> 0.3.0)
       faraday (~> 2.0)
       openssl (~> 3.3)

diff --git a/changelog.md b/changelog.md
@@ -1,5 +1,24 @@
 ## [Released]
 
+## [2.8.1] - 2025-11-07
+
+### Fixed
+- **Response Data Extraction Bug**: Fixed `.data` method returning only `routing_number` value instead of full object 🐛
+  - Removed `routing_number` from `RESPONSE_DATA_KEYS` constant - it's a field within responses, not a collection wrapper key
+  - The `.data` method was incorrectly treating `routing_number` as a top-level data key
+  - This caused `response.data` to return just `"803320"` (the routing number) instead of the complete virtual account object
+  - Now properly returns the full response object when no wrapper key is found
+  - Affected resources: Virtual Accounts (and potentially other resources with `routing_number` field)
+  - Updated test mocks to match actual API response format (flat objects for single resources)
+
+### Changed
+- **Virtual Account Test Fixtures**: Updated response structure to match actual Zai API format
+  - Single resource responses (show, create, update) now return flat objects without wrapper keys
+  - Collection responses (list) continue to use `virtual_accounts` wrapper key
+  - All 87 virtual account tests passing with corrected response structure
+
+**Full Changelog**: https://github.com/Sentia/zai-payment/compare/v2.8.0...v2.8.1
+
 ## [2.8.0] - 2025-11-07
 
 ### Added

diff --git a/docs/bank_accounts.md b/docs/bank_accounts.md
@@ -117,7 +117,7 @@ Validate a US bank routing number before creating an account. This can be used t
 response = bank_accounts.validate_routing_number('122235821')
 
 if response.success?
-  routing_info = response.data
+  routing_info = response.data['routing_number']
   puts "Routing Number: #{routing_info['routing_number']}"
   puts "Bank Name: #{routing_info['customer_name']}"
   puts "City: #{routing_info['city']}"
@@ -133,16 +133,18 @@ end
 
 ```ruby
 {
-  "routing_number" => "122235821",
-  "customer_name" => "US BANK NA",
-  "address" => "EP-MN-WN1A",
-  "city" => "ST. PAUL",
-  "state_code" => "MN",
-  "zip" => "55107",
-  "zip_extension" => "1419",
-  "phone_area_code" => "800",
-  "phone_prefix" => "937",
-  "phone_suffix" => "631"
+  "routing_number" => {
+    "routing_number" => "122235821",
+    "customer_name" => "US BANK NA",
+    "address" => "EP-MN-WN1A",
+    "city" => "ST. PAUL",
+    "state_code" => "MN",
+    "zip" => "55107",
+    "zip_extension" => "1419",
+    "phone_area_code" => "800",
+    "phone_prefix" => "937",
+    "phone_suffix" => "631"
+  }
 }
 ```
 

diff --git a/examples/bank_accounts.md b/examples/bank_accounts.md
@@ -164,7 +164,7 @@ bank_accounts = ZaiPayment::Resources::BankAccount.new
 response = bank_accounts.validate_routing_number('122235821')
 
 if response.success?
-  routing_info = response.data
+  routing_info = response.data['routing_number']
 
   puts "Routing Number Validation Results:"
   puts "  Routing Number: #{routing_info['routing_number']}"
@@ -197,7 +197,7 @@ begin
   validation_response = bank_accounts.validate_routing_number(routing_number)
 
   if validation_response.success?
-    bank_info = validation_response.data
+    bank_info = validation_response.data['routing_number']
 
     # Show user the bank information for confirmation
     puts "You are creating an account with:"
@@ -246,7 +246,7 @@ class BankAccountsController < ApplicationController
       response = bank_accounts.validate_routing_number(routing_number)
 
       if response.success?
-        bank_info = response.data
+        bank_info = response.data['routing_number']
 
         # Return bank info to display in the form
         render json: {

diff --git a/lib/zai_payment/response.rb b/lib/zai_payment/response.rb
@@ -8,7 +8,7 @@ class Response
     RESPONSE_DATA_KEYS = %w[
       webhooks users items fees transactions
       batch_transactions batches bpay_accounts bank_accounts card_accounts
-      wallet_accounts virtual_accounts routing_number disbursements pay_ids
+      wallet_accounts virtual_accounts disbursements pay_ids
     ].freeze
 
     def initialize(faraday_response)

diff --git a/lib/zai_payment/version.rb b/lib/zai_payment/version.rb
@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module ZaiPayment
-  VERSION = '2.8.0'
+  VERSION = '2.8.1'
 end
diff --git a/spec/zai_payment/resources/bank_account_spec.rb b/spec/zai_payment/resources/bank_account_spec.rb
@@ -217,8 +217,16 @@
       it 'returns routing number details' do
         response = bank_account_resource.validate_routing_number('122235821')
 
-        expect(response.data['routing_number']).to eq('122235821')
-        expect(response.data['customer_name']).to eq('US BANK NA')
+        expect(response.data).to be_a(Hash)
+        expect(response.data['routing_number']['routing_number']).to eq('122235821')
+      end
+
+      it 'returns city, state, and zip' do
+        response = bank_account_resource.validate_routing_number('122235821')
+
+        expect(response.data['routing_number']['customer_name']).to eq('US BANK NA')
+        expect(response.data['routing_number']['city']).to eq('ST. PAUL')
+        expect(response.data['routing_number']['state_code']).to eq('MN')
       end
     end
 

diff --git a/spec/zai_payment/resources/virtual_account_spec.rb b/spec/zai_payment/resources/virtual_account_spec.rb
@@ -207,22 +207,20 @@
   describe '#show' do
     let(:virtual_account_data) do
       {
-        'virtual_accounts' => {
-          'id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'routing_number' => '123456',
-          'account_number' => '100000017',
-          'currency' => 'AUD',
-          'user_external_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'wallet_account_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'status' => 'active',
-          'created_at' => '2020-04-27T20:28:22.378Z',
-          'updated_at' => '2020-04-27T20:28:22.378Z',
-          'account_type' => 'NIND',
-          'full_legal_account_name' => 'Prop Tech Marketplace',
-          'account_name' => 'Real Estate Agency X',
-          'aka_names' => ['Realestate Agency X', 'Realestate Agency X of PropTech Marketplace'],
-          'merchant_id' => '46deb476c1a641eb8eb726a695bbe5bc'
-        }
+        'id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'routing_number' => '123456',
+        'account_number' => '100000017',
+        'currency' => 'AUD',
+        'user_external_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'wallet_account_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'status' => 'active',
+        'created_at' => '2020-04-27T20:28:22.378Z',
+        'updated_at' => '2020-04-27T20:28:22.378Z',
+        'account_type' => 'NIND',
+        'full_legal_account_name' => 'Prop Tech Marketplace',
+        'account_name' => 'Real Estate Agency X',
+        'aka_names' => ['Realestate Agency X', 'Realestate Agency X of PropTech Marketplace'],
+        'merchant_id' => '46deb476c1a641eb8eb726a695bbe5bc'
       }
     end
 
@@ -337,22 +335,20 @@
   describe '#update_aka_names' do
     let(:updated_virtual_account_data) do
       {
-        'virtual_accounts' => {
-          'id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'routing_number' => '123456',
-          'account_number' => '100000017',
-          'currency' => 'AUD',
-          'user_external_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'wallet_account_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'status' => 'active',
-          'created_at' => '2020-04-27T20:28:22.378Z',
-          'updated_at' => '2020-04-27T20:28:22.378Z',
-          'account_type' => 'NIND',
-          'full_legal_account_name' => 'Prop Tech Marketplace',
-          'account_name' => 'Real Estate Agency X',
-          'aka_names' => ['Updated Name 1', 'Updated Name 2'],
-          'merchant_id' => '46deb476c1a641eb8eb726a695bbe5bc'
-        }
+        'id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'routing_number' => '123456',
+        'account_number' => '100000017',
+        'currency' => 'AUD',
+        'user_external_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'wallet_account_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'status' => 'active',
+        'created_at' => '2020-04-27T20:28:22.378Z',
+        'updated_at' => '2020-04-27T20:28:22.378Z',
+        'account_type' => 'NIND',
+        'full_legal_account_name' => 'Prop Tech Marketplace',
+        'account_name' => 'Real Estate Agency X',
+        'aka_names' => ['Updated Name 1', 'Updated Name 2'],
+        'merchant_id' => '46deb476c1a641eb8eb726a695bbe5bc'
       }
     end
 
@@ -388,7 +384,7 @@
       before do
         stubs.patch('/virtual_accounts/46deb476-c1a6-41eb-8eb7-26a695bbe5bc/aka_names') do
           [200, { 'Content-Type' => 'application/json' },
-           { 'virtual_accounts' => updated_virtual_account_data['virtual_accounts'].merge('aka_names' => []) }]
+           updated_virtual_account_data.merge('aka_names' => [])]
         end
       end
 
@@ -407,8 +403,8 @@
     context 'with single aka_name' do
       before do
         stubs.patch('/virtual_accounts/46deb476-c1a6-41eb-8eb7-26a695bbe5bc/aka_names') do
-          updated_data = updated_virtual_account_data['virtual_accounts'].merge('aka_names' => ['Single Name'])
-          [200, { 'Content-Type' => 'application/json' }, { 'virtual_accounts' => updated_data }]
+          updated_data = updated_virtual_account_data.merge('aka_names' => ['Single Name'])
+          [200, { 'Content-Type' => 'application/json' }, updated_data]
         end
       end
 
@@ -426,8 +422,7 @@
       before do
         stubs.patch('/virtual_accounts/46deb476-c1a6-41eb-8eb7-26a695bbe5bc/aka_names') do
           [200, { 'Content-Type' => 'application/json' },
-           { 'virtual_accounts' => updated_virtual_account_data['virtual_accounts']
-             .merge('aka_names' => ['Name 1', 'Name 2', 'Name 3']) }]
+           updated_virtual_account_data.merge('aka_names' => ['Name 1', 'Name 2', 'Name 3'])]
         end
       end
 
@@ -531,22 +526,20 @@
   describe '#update_account_name' do
     let(:updated_account_data) do
       {
-        'virtual_accounts' => {
-          'id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'routing_number' => '123456',
-          'account_number' => '100000017',
-          'currency' => 'AUD',
-          'user_external_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'wallet_account_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
-          'status' => 'active',
-          'created_at' => '2020-04-27T20:28:22.378Z',
-          'updated_at' => '2020-04-27T20:28:22.378Z',
-          'account_type' => 'NIND',
-          'full_legal_account_name' => 'Prop Tech Marketplace',
-          'account_name' => 'Updated Account Name',
-          'aka_names' => ['Realestate Agency X'],
-          'merchant_id' => '46deb476c1a641eb8eb726a695bbe5bc'
-        }
+        'id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'routing_number' => '123456',
+        'account_number' => '100000017',
+        'currency' => 'AUD',
+        'user_external_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'wallet_account_id' => '46deb476-c1a6-41eb-8eb7-26a695bbe5bc',
+        'status' => 'active',
+        'created_at' => '2020-04-27T20:28:22.378Z',
+        'updated_at' => '2020-04-27T20:28:22.378Z',
+        'account_type' => 'NIND',
+        'full_legal_account_name' => 'Prop Tech Marketplace',
+        'account_name' => 'Updated Account Name',
+        'aka_names' => ['Realestate Agency X'],
+        'merchant_id' => '46deb476c1a641eb8eb726a695bbe5bc'
       }
     end
 
@@ -582,8 +575,8 @@
       before do
         stubs.patch('/virtual_accounts/46deb476-c1a6-41eb-8eb7-26a695bbe5bc/account_name') do
           long_name = 'A' * 140
-          updated_data = updated_account_data['virtual_accounts'].merge('account_name' => long_name)
-          [202, { 'Content-Type' => 'application/json' }, { 'virtual_accounts' => updated_data }]
+          updated_data = updated_account_data.merge('account_name' => long_name)
+          [202, { 'Content-Type' => 'application/json' }, updated_data]
         end
       end
 
@@ -850,22 +843,20 @@
   describe '#create' do
     let(:virtual_account_data) do
       {
-        'virtual_accounts' => {
-          'id' => 'aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee',
-          'routing_number' => '123456',
-          'account_number' => '100000017',
-          'currency' => 'AUD',
-          'wallet_account_id' => 'ae07556e-22ef-11eb-adc1-0242ac120002',
-          'user_external_id' => 'ca12346e-22ef-11eb-adc1-0242ac120002',
-          'status' => 'pending_activation',
-          'created_at' => '2020-04-27T20:28:22.378Z',
-          'updated_at' => '2020-04-27T20:28:22.378Z',
-          'account_type' => 'NIND',
-          'full_legal_account_name' => 'Prop Tech Marketplace',
-          'account_name' => 'Real Estate Agency X',
-          'aka_names' => ['Realestate agency X'],
-          'merchant_id' => '46deb476c1a641eb8eb726a695bbe5bc'
-        }
+        'id' => 'aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee',
+        'routing_number' => '123456',
+        'account_number' => '100000017',
+        'currency' => 'AUD',
+        'wallet_account_id' => 'ae07556e-22ef-11eb-adc1-0242ac120002',
+        'user_external_id' => 'ca12346e-22ef-11eb-adc1-0242ac120002',
+        'status' => 'pending_activation',
+        'created_at' => '2020-04-27T20:28:22.378Z',
+        'updated_at' => '2020-04-27T20:28:22.378Z',
+        'account_type' => 'NIND',
+        'full_legal_account_name' => 'Prop Tech Marketplace',
+        'account_name' => 'Real Estate Agency X',
+        'aka_names' => ['Realestate agency X'],
+        'merchant_id' => '46deb476c1a641eb8eb726a695bbe5bc'
       }
     end