Ignore refunds if it was only an credit card authorization

lib/dumper/n26.rb

@@ -36,7 +36,13 @@ def fetch_transactions
 
     def accept?(transaction)
       return true unless @skip_pending_transactions
-      already_processed?(transaction)
+
+      # Card authorizations (if a company reserves some small amount)
+      # to check if your card is valid are the same type
+      # as processing transactions. So if we ignore those, we need to ignore
+      # the type for transactions where you get that authorization-money back.
+      already_processed?(transaction) &&
+        !returned_authorization?(transaction)
     end
 
     private
@@ -102,5 +108,11 @@ def import_id(transaction)
     def already_processed?(transaction)
       transaction['type'] != 'AA'
     end
+
+    # This can be true if a company reserved some small money
+    # that they will give you back.
+    def returned_authorization?(transaction)
+      transaction['type'] == 'AV'
+    end
   end
 end

spec/dumper/n26_spec.rb

@@ -202,6 +202,19 @@
           expect(accept?).to be_truthy
         end
       end
+
+      context 'when the transaction is processed ' \
+              'but a returned authorization' do
+        let(:transaction) do
+          t = transaction_processed
+          t['type'] = 'AV'
+          t
+        end
+
+        it 'returns true' do
+          expect(accept?).to be_falsy
+        end
+      end
     end
   end
 end