Repository: gratipay/gratipay.com

Issue:
Display banner notification about impending credit card expiration
_Original issue_

**Title: Email users about impending credit card expiration**

Anonymously suggested via support@gittip.com:
http://gittip.freshdesk.com/helpdesk/tickets/120

The user only coincidentally noticed that their card was about to expire, and was asking how we could help avoid that situation.

It seems that we could implement this (after we have access to email in #756), but fetching or storing expiration data for each card:
https://docs.balancedpayments.com/1.1/api/cards/#fetch-a-card

---

_Revised issue_

As per @rummik's suggestion, let's make this about leveraging the banner notifications implemented in #1643 
### To Do
- [ ] research best way to add banner notifications



Discussion:
Sure, I know gittip doesn't collect emails by default, but I would be happy to give my email to help address the problem.

Shouldn't there be a notification after logging in about their card if it's about to expire?

You mean like using the feature you added here? https://github.com/gittip/www.gittip.com/pull/1643

That would be great too. Let's make this issue about that, so it's immediately actionable? (I'll revise OP and add a TODO :)

@patcon Something like that, yes :)

+1

I'll implement this.

Woooo @ivanmushketyk! Need any help? Ask here or drop into #gittip on IRC if you feel like it :)

@patcon He already is in #gittip.

@patcon Thank you, but I think I got how to do it :)


Resolving patch:
diff --git a/gittip/billing/__init__.py b/gittip/billing/__init__.py
--- a/gittip/billing/__init__.py
+++ b/gittip/billing/__init__.py
@@ -186,6 +186,8 @@ def __getitem__(self, name):
                    , 'address_2': 'address_line2'
                    , 'state': 'address_state'
                    , 'zip': 'address_zip'
+                   , 'expiration_month': 'exp_month'
+                   , 'expiration_year': 'exp_year'
                     }.get(name, name)
             out = self._get(name)
         return out
@@ -279,6 +281,8 @@ class BalancedCard(BalancedThing):
         'state': 'meta.region',
         'last4': 'number',
         'last_four': 'number',
+        'expiration_month': 'expiration_month',
+        'expiration_year': 'expiration_year',
     }
 
 
diff --git a/gittip/models/participant.py b/gittip/models/participant.py
--- a/gittip/models/participant.py
+++ b/gittip/models/participant.py
@@ -37,6 +37,8 @@
 from gittip.models.account_elsewhere import AccountElsewhere
 from gittip.utils import canonicalize
 from gittip.utils.username import gen_random_usernames, reserve_a_random_username
+from gittip import billing
+from gittip.utils import is_card_expiring
 
 
 ASCII_ALLOWED_IN_USERNAME = set("0123456789"
@@ -47,6 +49,7 @@
 
 NANSWERS_THRESHOLD = 0  # configured in wireup.py
 
+NOTIFIED_ABOUT_EXPIRATION = b'notifiedAboutExpiration'
 
 class Participant(Model, MixinTeam):
     """Represent a Gittip participant.
@@ -1061,6 +1064,27 @@ def delete_elsewhere(self, platform, user_id):
             add_event(c, 'participant', dict(id=self.id, action='disconnect', values=dict(platform=platform, user_id=user_id)))
         self.update_avatar()
 
+    def credit_card_expiring(self, request, response):
+        card_expiring = False
+
+        if NOTIFIED_ABOUT_EXPIRATION in request.headers.cookie:
+            cookie = request.headers.cookie[NOTIFIED_ABOUT_EXPIRATION]
+            if cookie.value == self.session_token:
+                return False
+
+        if self.balanced_customer_href:
+            card = billing.BalancedCard(self.balanced_customer_href)
+        else:
+            card = billing.StripeCard(self.stripe_customer_id)
+
+        expiration_year = card['expiration_year']
+        expiration_month= card['expiration_month']
+        if expiration_year and expiration_month:
+            card_expiring = is_card_expiring(int(expiration_year), int(expiration_month))
+
+        response.headers.cookie[NOTIFIED_ABOUT_EXPIRATION] = self.session_token
+        return card_expiring
+
 
 class NeedConfirmation(Exception):
     """Represent the case where we need user confirmation during a merge.
diff --git a/gittip/utils/__init__.py b/gittip/utils/__init__.py
--- a/gittip/utils/__init__.py
+++ b/gittip/utils/__init__.py
@@ -6,6 +6,8 @@
 from aspen.utils import typecheck, to_age
 from postgres.cursors import SimpleCursorBase
 from jinja2 import escape
+from datetime import datetime
+from datetime import timedelta
 
 COUNTRIES = (
     ('AF', u'Afghanistan'),
@@ -260,6 +262,9 @@
 )
 COUNTRIES_MAP = dict(COUNTRIES)
 
+# Difference between current time and credit card expiring date when
+# card is considered as expiring
+EXPIRING_DELTA = timedelta(days = 30)
 
 def wrap(u):
     """Given a unicode, return a unicode.
@@ -475,3 +480,9 @@ def to_statement(prepend, string, length=140, append='...'):
             return string
     else:
         return ''
+
+def is_card_expiring(expiration_year, expiration_month):
+    now = datetime.utcnow()
+    expiring_date = datetime(expiration_year, expiration_month, 1)
+    delta = expiring_date - now
+    return delta < EXPIRING_DELTA
\ No newline at end of file


Test patch:
diff --git a/tests/py/fixtures/TestBalancedCard.yml b/tests/py/fixtures/TestBalancedCard.yml
--- a/tests/py/fixtures/TestBalancedCard.yml
+++ b/tests/py/fixtures/TestBalancedCard.yml
@@ -1,37 +1,38 @@
 - request: !!python/object:vcr.request.Request
     body: '{}'
     headers: !!python/object/apply:__builtin__.frozenset
-    - - !!python/tuple [Content-Length, !!python/unicode 2]
-      - !!python/tuple [User-Agent, !!python/unicode balanced-python/1.0.1beta2]
-      - !!python/tuple [Authorization, !!python/unicode Basic OTBiYjM2NDhjYTBhMTFlMWE5NzcwMjZiYTdlMjM5YTk6Tm9uZQ==]
-      - !!python/tuple [Content-Type, !!python/unicode application/json]
+    - - !!python/tuple [Content-Length, !!python/unicode '2']
+      - !!python/tuple [User-Agent, !!python/unicode 'balanced-python/1.0.1beta2']
+      - !!python/tuple [Authorization, !!python/unicode 'Basic OTBiYjM2NDhjYTBhMTFlMWE5NzcwMjZiYTdlMjM5YTk6Tm9uZQ==']
+      - !!python/tuple [Content-Type, !!python/unicode 'application/json']
       - !!python/tuple [Accept-Encoding, 'gzip, deflate, compress']
-      - !!python/tuple [accept, !!python/unicode application/vnd.api+json;revision=1.1]
+      - !!python/tuple [accept, !!python/unicode 'application/vnd.api+json;revision=1.1']
     host: api.balancedpayments.com
     method: POST
     path: /api_keys
     port: 443
     protocol: https
   response:
-    body: {string: "{\n  \"links\": {},\n  \"api_keys\": [\n    {\n      \"links\":
-        {},\n      \"created_at\": \"2014-03-18T19:03:48.268033Z\",\n      \"secret\":
-        \"ak-test-27NSvBsvmdhy9mDZpCiXSAkoZlrHUjf4i\",\n      \"href\": \"/api_keys/AKhqSEjeiIZJuSpP0lyHKbu\",\n
-        \     \"meta\": {},\n      \"id\": \"AKhqSEjeiIZJuSpP0lyHKbu\"\n    }\n  ]\n}"}
-    headers: ["Content-Type: application/json\r\n", "Date: Tue, 18 Mar 2014 19:03:49
-        GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHM09299eacaed011e3911a02a1fe52a36c\r\n",
-      "x-balanced-host: balanced-api-01\r\n", "x-balanced-marketplace: TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n",
-      "x-balanced-merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\n", "x-balanced-revision:
-        1.1\r\n", "x-balanced-software-build: 77317bb168da524f671cef0953e5b9495fe1af05\r\n",
-      "X-Midlr-Version: 2\r\n", "x-newrelic-app-data: PxQFWFNXCQYTVVhWAwQDVUYdFhE1AwE2QgNWEVlbQFtcCxYxSBVbDQoZVA4IF0pcXAgEEBhQRw87WlNKEUgAEFUDTAcaFBQCH0UITwRYC1VUDwZRUFcMBgNVU1cbEQVKRBMBA1pWVFNSUAtQXgsEUwpcG00RB1IOF1Nq\r\n",
-      "Content-Length: 288\r\n", "Connection: keep-alive\r\n"]
+    body: {string: "{\n  \"links\": {},\n  \"api_keys\": [\n    {\n      \"links\"\
+        : {},\n      \"created_at\": \"2014-05-13T14:12:39.364957Z\",\n      \"secret\"\
+        : \"ak-test-uStJbRRnHSg3Koj1ntOenznBXJrlYACl\",\n      \"href\": \"/api_keys/AK4ZDOTafSfAFXSj6leVpXER\"\
+        ,\n      \"meta\": {},\n      \"id\": \"AK4ZDOTafSfAFXSj6leVpXER\"\n    }\n\
+        \  ]\n}"}
+    headers: ["Content-Type: application/json\r\n", "Date: Tue, 13 May 2014 14:12:39\
+        \ GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHMa4130116daa811e3ac1602a1fe53e539\r\
+        \n", "x-balanced-host: bapi-integration-prod-8u30f7-10-3-5-201\r\n", "x-balanced-marketplace:\
+        \ TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n", "x-balanced-merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\
+        \n", "x-balanced-revision: 1.1\r\n", "x-balanced-software-build: 1.2.19\r\n",
+      "X-Midlr-Version: 2\r\n", "x-newrelic-app-data: PxQFWFNXCQYTVVhWAwQDVUYdFhE1AwE2QgNWEVlbQFtcCxYxSBVbDQoZVA4IF0pcXAgEEBhQRw87WlNKEUgAEFUDTAcaFBQCH0UJTwJUBVVVBwZVX1EJBgZdWVADHRdUSBEUClBXBQRWUQ9RAQkMBVVcAUMdQVUDCEVSPA==\r\
+        \n", "Content-Length: 289\r\n", "Connection: keep-alive\r\n"]
     status: {code: 201, message: CREATED}
 - request: !!python/object:vcr.request.Request
     body: null
     headers: !!python/object/apply:__builtin__.frozenset
-    - - !!python/tuple [Authorization, !!python/unicode Basic YWstdGVzdC0yN05TdkJzdm1kaHk5bURacENpWFNBa29abHJIVWpmNGk6Tm9uZQ==]
-      - !!python/tuple [content-type, !!python/unicode application/json;revision=1.1]
-      - !!python/tuple [accept, !!python/unicode application/vnd.api+json;revision=1.1]
-      - !!python/tuple [User-Agent, !!python/unicode balanced-python/1.0.1beta2]
+    - - !!python/tuple [content-type, !!python/unicode 'application/json;revision=1.1']
+      - !!python/tuple [Authorization, !!python/unicode 'Basic YWstdGVzdC11U3RKYlJSbkhTZzNLb2oxbnRPZW56bkJYSnJsWUFDbDpOb25l']
+      - !!python/tuple [accept, !!python/unicode 'application/vnd.api+json;revision=1.1']
+      - !!python/tuple [User-Agent, !!python/unicode 'balanced-python/1.0.1beta2']
       - !!python/tuple [Accept-Encoding, 'gzip, deflate, compress']
     host: api.balancedpayments.com
     method: GET
@@ -39,73 +40,72 @@
     port: 443
     protocol: https
   response:
-    body: {string: "{\n  \"meta\": {\n    \"last\": \"/marketplaces?limit=25&offset=0\",\n
-        \   \"next\": null,\n    \"href\": \"/marketplaces?limit=25&offset=0\",\n
-        \   \"limit\": 25,\n    \"offset\": 0,\n    \"previous\": null,\n    \"total\":
-        1,\n    \"first\": \"/marketplaces?limit=25&offset=0\"\n  },\n  \"marketplaces\":
-        [\n    {\n      \"in_escrow\": 410301,\n      \"domain_url\": \"example.com\",\n
-        \     \"name\": \"Gittip Test Marketplace\",\n      \"links\": {\n        \"owner_customer\":
-        \"AC4pC0WmyRfrgT2Efuh8ZUCt\"\n      },\n      \"href\": \"/marketplaces/TEST-MP4pdETrZYO1CKZBA29bC1QJ\",\n
-        \     \"created_at\": \"2012-07-09T21:10:52.894048Z\",\n      \"support_email_address\":
-        \"support@example.com\",\n      \"updated_at\": \"2012-07-09T21:10:52.917027Z\",\n
-        \     \"support_phone_number\": \"+16505551234\",\n      \"production\": false,\n
-        \     \"meta\": {},\n      \"unsettled_fees\": 0,\n      \"id\": \"TEST-MP4pdETrZYO1CKZBA29bC1QJ\"\n
-        \   }\n  ],\n  \"links\": {\n    \"marketplaces.debits\": \"/debits\",\n    \"marketplaces.reversals\":
-        \"/reversals\",\n    \"marketplaces.customers\": \"/customers\",\n    \"marketplaces.credits\":
-        \"/credits\",\n    \"marketplaces.cards\": \"/cards\",\n    \"marketplaces.card_holds\":
-        \"/card_holds\",\n    \"marketplaces.refunds\": \"/refunds\",\n    \"marketplaces.owner_customer\":
-        \"/customers/{marketplaces.owner_customer}\",\n    \"marketplaces.transactions\":
-        \"/transactions\",\n    \"marketplaces.bank_accounts\": \"/bank_accounts\",\n
-        \   \"marketplaces.callbacks\": \"/callbacks\",\n    \"marketplaces.events\":
-        \"/events\"\n  }\n}"}
-    headers: ["Content-Type: application/json\r\n", "Date: Tue, 18 Mar 2014 19:03:50
-        GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHM0a7bed46aed011e394ac026ba7cd33d0\r\n",
-      "X-Balanced-Host: balanced-api-02\r\n", "X-Balanced-Marketplace: TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n",
-      "X-Balanced-Merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\n", "X-Balanced-Revision:
-        1.1\r\n", "X-Balanced-Software-Build: 77317bb168da524f671cef0953e5b9495fe1af05\r\n",
-      "Content-Length: 1416\r\n", "Connection: keep-alive\r\n"]
+    body:
+      string: !!binary |
+        H4sIAAAAAAAAA5VU24rbMBB9368IfuhLu4nttZsLLO02hELL0ptLaUoxijVuTGTJ6LK7JeTfO5bl
+        dUxFLy9hLmdmzoxOfLyYTIIaNAlWkyPa6DGiNHrBrCbyALphpAD1glV1pa/j9IkoSwX6OgyedXAO
+        Dy2cG8ZcZC+h/I8GtjPi49TVdxMwErpAI+GuEkaNx2ihCcNQ5FBlJf+NOPI+tTXB+YLY6JtdqLsC
+        ZiuegyqkuMdUEsXJ1aIbhCkqaoJpI9v5ATyQumEwLUTtjoIQTmpok68rratmkoHSk9vhoAOQVfzQ
+        btbPxVpxz0HmhVFa1CDbLjfrpFmHX+qfH0v5I4s3pdkvtp/XOrCU3T729bzHn2WbT9nl7fukoZtM
+        br++i9Zvt69u4uVuHX14M3ApJBANNCdWAHEYxZfh/DJcZnG0isJVGk8XyyRMFtuhRJmmEVLngBdh
+        OaFUgmrXCVzipfc6pqF/GbSM5mE89wxq9oJDzk29607zNHqehmmaRvFVMtBqpKCm0JXgyKUkTMHj
+        4/VqtxqwNzMcFa0ZLl4CtOSd8FoR0HaXP5/Ptjnh73erqvGDjkQ2pbCrtD3PzJlOvOdSnKLcQSok
+        bYGD58PSSjVGW9bYs3d8yF5PHXTwvFgJtCeKorC2F0ckdf2s5cMISXEby8+ZPlSB9flesLN2zvWh
+        8QtjuIP2tg/3+z9p9rj47Dg6+hh68q6iJeGKWFl1C40CPgI7wg85KQphuHv3ccRXUxDGdqSwX4Vg
+        Nng+LCqlb+zM9ut2cfoFgyr6MdgFAAA=
+    headers: ["Content-Encoding: gzip\r\n", "Content-Type: application/json\r\n",
+      "Date: Tue, 13 May 2014 14:12:40 GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n",
+      "X-Balanced-Guru: OHMa4da703edaa811e39cf202b12035401b\r\n", "X-Balanced-Host:\
+        \ bapi-integration-prod-8u30f7-10-3-4-8\r\n", "X-Balanced-Marketplace: TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\
+        \n", "X-Balanced-Merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\n", "X-Balanced-Revision:\
+        \ 1.1\r\n", "X-Balanced-Software-Build: 1.2.19\r\n", "Content-Length: 593\r\
+        \n", "Connection: keep-alive\r\n"]
     status: {code: 200, message: OK}
 - request: !!python/object:vcr.request.Request
     body: '{}'
     headers: !!python/object/apply:__builtin__.frozenset
-    - - !!python/tuple [Authorization, !!python/unicode Basic YWstdGVzdC0yN05TdkJzdm1kaHk5bURacENpWFNBa29abHJIVWpmNGk6Tm9uZQ==]
-      - !!python/tuple [Content-Length, !!python/unicode 2]
-      - !!python/tuple [User-Agent, !!python/unicode balanced-python/1.0.1beta2]
-      - !!python/tuple [Content-Type, !!python/unicode application/json]
+    - - !!python/tuple [Content-Length, !!python/unicode '2']
+      - !!python/tuple [Authorization, !!python/unicode 'Basic YWstdGVzdC11U3RKYlJSbkhTZzNLb2oxbnRPZW56bkJYSnJsWUFDbDpOb25l']
+      - !!python/tuple [User-Agent, !!python/unicode 'balanced-python/1.0.1beta2']
+      - !!python/tuple [Content-Type, !!python/unicode 'application/json']
       - !!python/tuple [Accept-Encoding, 'gzip, deflate, compress']
-      - !!python/tuple [accept, !!python/unicode application/vnd.api+json;revision=1.1]
+      - !!python/tuple [accept, !!python/unicode 'application/vnd.api+json;revision=1.1']
     host: api.balancedpayments.com
     method: POST
     path: /customers
     port: 443
     protocol: https
   response:
-    body: {string: "{\n  \"customers\": [\n    {\n      \"name\": null,\n      \"links\":
-        {\n        \"source\": null,\n        \"destination\": null\n      },\n      \"updated_at\":
-        \"2014-03-18T19:03:51.481885Z\",\n      \"created_at\": \"2014-03-18T19:03:51.039892Z\",\n
-        \     \"dob_month\": null,\n      \"id\": \"CUky25GRz6YQuvVNp56IEYD\",\n      \"phone\":
-        null,\n      \"href\": \"/customers/CUky25GRz6YQuvVNp56IEYD\",\n      \"merchant_status\":
-        \"no-match\",\n      \"meta\": {},\n      \"dob_year\": null,\n      \"address\":
-        {\n        \"city\": null,\n        \"line2\": null,\n        \"line1\": null,\n
-        \       \"state\": null,\n        \"postal_code\": null,\n        \"country_code\":
-        null\n      },\n      \"business_name\": null,\n      \"ssn_last4\": null,\n
-        \     \"email\": null,\n      \"ein\": null\n    }\n  ],\n  \"links\": {\n
-        \   \"customers.source\": \"/resources/{customers.source}\",\n    \"customers.card_holds\":
-        \"/customers/{customers.id}/card_holds\",\n    \"customers.bank_accounts\":
-        \"/customers/{customers.id}/bank_accounts\",\n    \"customers.debits\": \"/customers/{customers.id}/debits\",\n
-        \   \"customers.destination\": \"/resources/{customers.destination}\",\n    \"customers.external_accounts\":
-        \"/customers/{customers.id}/external_accounts\",\n    \"customers.cards\":
-        \"/customers/{customers.id}/cards\",\n    \"customers.transactions\": \"/customers/{customers.id}/transactions\",\n
-        \   \"customers.refunds\": \"/customers/{customers.id}/refunds\",\n    \"customers.reversals\":
-        \"/customers/{customers.id}/reversals\",\n    \"customers.orders\": \"/customers/{customers.id}/orders\",\n
-        \   \"customers.credits\": \"/customers/{customers.id}/credits\"\n  }\n}"}
-    headers: ["Content-Type: application/json\r\n", "Date: Tue, 18 Mar 2014 19:03:51
-        GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHM0ade3208aed011e3ba5302a1fe53e539\r\n",
-      "x-balanced-host: balanced-api-06\r\n", "x-balanced-marketplace: TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n",
-      "x-balanced-merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\n", "x-balanced-revision:
-        1.1\r\n", "x-balanced-software-build: 77317bb168da524f671cef0953e5b9495fe1af05\r\n",
-      "X-Midlr-Version: 2\r\n", "x-newrelic-app-data: PxQFWFNXCQYTVVhWAwQDVUYdFhE1AwE2QgNWEVlbQFtcCxYxSBVbDQoZVA4IF0pcXAgEEBhSQhUQXltWEBVNAUIHWRZdGhgSA0kZUR9UC1dWBQdQV1EIBAVcUVcAHRdUSBEUVwEDAQcDUV4BDF1RUApVAEMdQVUDCEVSPA==\r\n",
-      "Content-Length: 1527\r\n", "Connection: keep-alive\r\n"]
+    body: {string: "{\n  \"customers\": [\n    {\n      \"name\": null,\n      \"\
+        links\": {\n        \"source\": null,\n        \"destination\": null\n   \
+        \   },\n      \"updated_at\": \"2014-05-13T14:12:41.880503Z\",\n      \"created_at\"\
+        : \"2014-05-13T14:12:41.764271Z\",\n      \"dob_month\": null,\n      \"id\"\
+        : \"CU52l7HOoN6OacmJx1169CZ3\",\n      \"phone\": null,\n      \"href\": \"\
+        /customers/CU52l7HOoN6OacmJx1169CZ3\",\n      \"merchant_status\": \"no-match\"\
+        ,\n      \"meta\": {},\n      \"dob_year\": null,\n      \"address\": {\n\
+        \        \"city\": null,\n        \"line2\": null,\n        \"line1\": null,\n\
+        \        \"state\": null,\n        \"postal_code\": null,\n        \"country_code\"\
+        : null\n      },\n      \"business_name\": null,\n      \"ssn_last4\": null,\n\
+        \      \"email\": null,\n      \"ein\": null\n    }\n  ],\n  \"links\": {\n\
+        \    \"customers.source\": \"/resources/{customers.source}\",\n    \"customers.card_holds\"\
+        : \"/customers/{customers.id}/card_holds\",\n    \"customers.bank_accounts\"\
+        : \"/customers/{customers.id}/bank_accounts\",\n    \"customers.debits\":\
+        \ \"/customers/{customers.id}/debits\",\n    \"customers.destination\": \"\
+        /resources/{customers.destination}\",\n    \"customers.external_accounts\"\
+        : \"/customers/{customers.id}/external_accounts\",\n    \"customers.cards\"\
+        : \"/customers/{customers.id}/cards\",\n    \"customers.disputes\": \"/customers/{customers.id}/disputes\"\
+        ,\n    \"customers.transactions\": \"/customers/{customers.id}/transactions\"\
+        ,\n    \"customers.refunds\": \"/customers/{customers.id}/refunds\",\n   \
+        \ \"customers.reversals\": \"/customers/{customers.id}/reversals\",\n    \"\
+        customers.orders\": \"/customers/{customers.id}/orders\",\n    \"customers.credits\"\
+        : \"/customers/{customers.id}/credits\"\n  }\n}"}
+    headers: ["Content-Type: application/json\r\n", "Date: Tue, 13 May 2014 14:12:41\
+        \ GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHMa581ca00daa811e3ba9202a1fe52a36c\r\
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     path: /cards
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+        ,\n    \"bank_accounts.customer\": \"/customers/{bank_accounts.customer}\"\
+        ,\n    \"bank_accounts.debits\": \"/bank_accounts/{bank_accounts.id}/debits\"\
+        ,\n    \"bank_accounts.bank_account_verification\": \"/verifications/{bank_accounts.bank_account_verification}\"\
+        \n  }\n}"}
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     method: GET
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     protocol: https
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     protocol: https
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     host: api.balancedpayments.com
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     host: api.balancedpayments.com
     method: GET
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     port: 443
     protocol: https
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+        : \"/cards/{cards.id}/debits\"\n  }\n}"}
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     status: {code: 200, message: OK}
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     method: PUT
-    path: /cards/CCH0GV6cyhGPQ03TGkXVTxJ
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     port: 443
     protocol: https
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     body: null
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     host: api.balancedpayments.com
     method: GET
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     port: 443
     protocol: https
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     host: api.balancedpayments.com
     method: GET
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     port: 443
     protocol: https
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+        \n", "X-Balanced-Merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\n", "X-Balanced-Revision:\
+        \ 1.1\r\n", "X-Balanced-Software-Build: 1.2.19\r\n", "Content-Length: 696\r\
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     status: {code: 200, message: OK}
 - request: !!python/object:vcr.request.Request
     body: null
     headers: !!python/object/apply:__builtin__.frozenset
-    - - !!python/tuple [content-type, !!python/unicode application/json;revision=1.1]
+    - - !!python/tuple [content-type, !!python/unicode 'application/json;revision=1.1']
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     host: api.balancedpayments.com
     method: GET
-    path: /customers/CUFp53WwOuc3XPMfrSdKtym/cards?is_valid=True&limit=10&offset=0
+    path: /customers/CU5w5MsgFGIvcAMhWleV4iJD/cards?is_valid=True&limit=10&offset=0
     port: 443
     protocol: https
   response:
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-        {\n        \"customer\": \"CUFp53WwOuc3XPMfrSdKtym\"\n      },\n      \"name\":
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-        \     \"avs_postal_match\": \"no\",\n      \"avs_result\": \"Street address
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-        \ },\n  \"links\": {\n    \"cards.debits\": \"/cards/{cards.id}/debits\",\n
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-        \"/cards/{cards.id}/card_holds\"\n  }\n}"}
-    headers: ["Content-Type: application/json\r\n", "Date: Tue, 18 Mar 2014 19:04:17
-        GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHM1a64789aaed011e3a5ff026ba7c1aba6\r\n",
-      "X-Balanced-Host: balanced-api-04\r\n", "X-Balanced-Marketplace: TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n",
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-      "Content-Length: 1606\r\n", "Connection: keep-alive\r\n"]
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     status: {code: 200, message: OK}
 - request: !!python/object:vcr.request.Request
     body: null
     headers: !!python/object/apply:__builtin__.frozenset
-    - - !!python/tuple [content-type, !!python/unicode application/json;revision=1.1]
+    - - !!python/tuple [content-type, !!python/unicode 'application/json;revision=1.1']
+      - !!python/tuple [Authorization, !!python/unicode 'Basic YWstdGVzdC11U3RKYlJSbkhTZzNLb2oxbnRPZW56bkJYSnJsWUFDbDpOb25l']
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       - !!python/tuple [Accept-Encoding, 'gzip, deflate, compress']
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     host: api.balancedpayments.com
     method: GET
     path: /marketplaces?limit=25&offset=0
     port: 443
     protocol: https
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-        \     \"name\": \"Gittip Test Marketplace\",\n      \"links\": {\n        \"owner_customer\":
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-        \     \"support_phone_number\": \"+16505551234\",\n      \"production\": false,\n
-        \     \"meta\": {},\n      \"unsettled_fees\": 0,\n      \"id\": \"TEST-MP4pdETrZYO1CKZBA29bC1QJ\"\n
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-        \"/customers/{marketplaces.owner_customer}\",\n    \"marketplaces.transactions\":
-        \"/transactions\",\n    \"marketplaces.bank_accounts\": \"/bank_accounts\",\n
-        \   \"marketplaces.callbacks\": \"/callbacks\",\n    \"marketplaces.events\":
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-    headers: ["Content-Type: application/json\r\n", "Date: Tue, 18 Mar 2014 19:04:17
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-      "Content-Length: 1416\r\n", "Connection: keep-alive\r\n"]
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+        \n", "Connection: keep-alive\r\n"]
+    status: {code: 200, message: OK}
+- request: !!python/object:vcr.request.Request
+    body: null
+    headers: !!python/object/apply:__builtin__.frozenset
+    - - !!python/tuple [content-type, !!python/unicode 'application/json;revision=1.1']
+      - !!python/tuple [Authorization, !!python/unicode 'Basic YWstdGVzdC11U3RKYlJSbkhTZzNLb2oxbnRPZW56bkJYSnJsWUFDbDpOb25l']
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+      - !!python/tuple [User-Agent, !!python/unicode 'balanced-python/1.0.1beta2']
+      - !!python/tuple [Accept-Encoding, 'gzip, deflate, compress']
+    host: api.balancedpayments.com
+    method: GET
+    path: /customers/CU5w5MsgFGIvcAMhWleV4iJD
+    port: 443
+    protocol: https
+  response:
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+      "Date: Tue, 13 May 2014 14:13:21 GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n",
+      "X-Balanced-Guru: OHMbd596f3edaa811e381e606429171ffad\r\n", "X-Balanced-Host:\
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+        \n", "Connection: keep-alive\r\n"]
+    status: {code: 200, message: OK}
+- request: !!python/object:vcr.request.Request
+    body: null
+    headers: !!python/object/apply:__builtin__.frozenset
+    - - !!python/tuple [content-type, !!python/unicode 'application/json;revision=1.1']
+      - !!python/tuple [Authorization, !!python/unicode 'Basic YWstdGVzdC11U3RKYlJSbkhTZzNLb2oxbnRPZW56bkJYSnJsWUFDbDpOb25l']
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+      - !!python/tuple [User-Agent, !!python/unicode 'balanced-python/1.0.1beta2']
+      - !!python/tuple [Accept-Encoding, 'gzip, deflate, compress']
+    host: api.balancedpayments.com
+    method: GET
+    path: /customers/CU5w5MsgFGIvcAMhWleV4iJD/cards?is_valid=True&limit=10&offset=0
+    port: 443
+    protocol: https
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+      "X-Balanced-Guru: OHMbde89808daa811e3be3f02b12035401b\r\n", "X-Balanced-Host:\
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+    status: {code: 200, message: OK}
+- request: !!python/object:vcr.request.Request
+    body: null
+    headers: !!python/object/apply:__builtin__.frozenset
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     path: /cards
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+        : \"/cards/{cards.id}/debits\"\n  }\n}"}
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     port: 443
     protocol: https
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     protocol: https
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     protocol: https
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+        \      \"is_verified\": true,\n      \"created_at\": \"2014-05-13T14:13:37.494610Z\"\
+        ,\n      \"cvv_result\": null,\n      \"brand\": \"Visa\",\n      \"number\"\
+        : \"xxxxxxxxxxxx1111\",\n      \"updated_at\": \"2014-05-13T14:13:37.494612Z\"\
+        ,\n      \"id\": \"CC6319KleEBxEaFoZp8cxYQp\",\n      \"expiration_month\"\
+        : 10,\n      \"cvv\": null,\n      \"meta\": {\n        \"region\": \"Confusion\"\
+        ,\n        \"city_town\": \"\",\n        \"address_2\": \"Box 2\"\n      },\n\
+        \      \"href\": \"/cards/CC6319KleEBxEaFoZp8cxYQp\",\n      \"address\":\
+        \ {\n        \"city\": \"Balo Alto\",\n        \"line2\": null,\n        \"\
+        line1\": \"123 Main Street\",\n        \"state\": \"Confusion\",\n       \
+        \ \"postal_code\": \"90210\",\n        \"country_code\": null\n      },\n\
+        \      \"fingerprint\": \"8c7f0423365af88c3e36cf02746eca64fdcf36ddc2e1f398c7ec9f3ffd05a267\"\
+        ,\n      \"avs_postal_match\": \"no\",\n      \"avs_result\": \"Street address\
+        \ and postal code do not match.\"\n    }\n  ],\n  \"links\": {\n    \"cards.card_holds\"\
+        : \"/cards/{cards.id}/card_holds\",\n    \"cards.customer\": \"/customers/{cards.customer}\"\
+        ,\n    \"cards.disputes\": \"/cards/{cards.id}/disputes\",\n    \"cards.debits\"\
+        : \"/cards/{cards.id}/debits\"\n  }\n}"}
+    headers: ["access-control-allow-headers: Content-Type\r\n", "access-control-allow-methods:\
+        \ POST, OPTIONS\r\n", "access-control-allow-origin: *\r\n", "Content-Type:\
+        \ application/json\r\n", "Date: Tue, 13 May 2014 14:13:37 GMT\r\n", "Server:\
+        \ ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHMc66fd63adaa811e38f8302a1fe53e539\r\
+        \n", "x-balanced-host: bapi-integration-prod-8u30f7-10-3-5-201\r\n", "x-balanced-marketplace:\
+        \ TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n", "x-balanced-merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\
+        \n", "x-balanced-revision: 1.1\r\n", "x-balanced-software-build: 1.2.19\r\n",
+      "X-Midlr-Version: 2\r\n", "x-newrelic-app-data: PxQFWFNXCQYTVVhWAwQDVUYdFhE1AwE2QgNWEVlbQFtcCxYxSBVbDQoZVA4IF0pcXAgEEBhSVhQAQhhQEAMCFlVAFEIIFBQCHVAKVgFQA1tUDgZTUFsLAhxEUlUPHRdEBgkEBwYEB1UEAAxRAVlVURFJGQdQDUAHOQ==\r\
+        \n", "Content-Length: 1275\r\n", "Connection: keep-alive\r\n"]
     status: {code: 201, message: CREATED}
 - request: !!python/object:vcr.request.Request
     body: '{"routing_number": "121042882", "account_number": "112233a", "name": "Homer
       Jay"}'
     headers: !!python/object/apply:__builtin__.frozenset
-    - - !!python/tuple [User-Agent, !!python/unicode balanced-python/1.0.1beta2]
-      - !!python/tuple [Authorization, !!python/unicode Basic OTBiYjM2NDhjYTBhMTFlMWE5NzcwMjZiYTdlMjM5YTk6Tm9uZQ==]
-      - !!python/tuple [Content-Type, !!python/unicode application/json]
+    - - !!python/tuple [Authorization, !!python/unicode 'Basic YWstdGVzdC11U3RKYlJSbkhTZzNLb2oxbnRPZW56bkJYSnJsWUFDbDpOb25l']
+      - !!python/tuple [User-Agent, !!python/unicode 'balanced-python/1.0.1beta2']
+      - !!python/tuple [Content-Type, !!python/unicode 'application/json']
       - !!python/tuple [Accept-Encoding, 'gzip, deflate, compress']
-      - !!python/tuple [accept, !!python/unicode application/vnd.api+json;revision=1.1]
-      - !!python/tuple [Content-Length, !!python/unicode 81]
+      - !!python/tuple [accept, !!python/unicode 'application/vnd.api+json;revision=1.1']
+      - !!python/tuple [Content-Length, !!python/unicode '81']
     host: api.balancedpayments.com
     method: POST
     path: /bank_accounts
     port: 443
     protocol: https
   response:
-    body: {string: "{\n  \"bank_accounts\": [\n    {\n      \"routing_number\": \"121042882\",\n
-        \     \"bank_name\": \"WELLS FARGO BANK NA\",\n      \"account_type\": \"checking\",\n
-        \     \"name\": \"Homer Jay\",\n      \"links\": {\n        \"customer\":
-        null,\n        \"bank_account_verification\": null\n      },\n      \"can_credit\":
-        true,\n      \"created_at\": \"2014-03-18T19:04:27.102936Z\",\n      \"fingerprint\":
-        \"dac6514d9dd3a1cd7ac925d5749e0308c2c65fa27c506aefb0c9b21611ff9969\",\n      \"updated_at\":
-        \"2014-03-18T19:04:27.102940Z\",\n      \"href\": \"/bank_accounts/BAZ6AZP6gCq6XOQVIXhvxpg\",\n
-        \     \"meta\": {},\n      \"account_number\": \"xxx233a\",\n      \"address\":
-        {\n        \"city\": null,\n        \"line2\": null,\n        \"line1\": null,\n
-        \       \"state\": null,\n        \"postal_code\": null,\n        \"country_code\":
-        null\n      },\n      \"can_debit\": false,\n      \"id\": \"BAZ6AZP6gCq6XOQVIXhvxpg\"\n
-        \   }\n  ],\n  \"links\": {\n    \"bank_accounts.credits\": \"/bank_accounts/{bank_accounts.id}/credits\",\n
-        \   \"bank_accounts.bank_account_verifications\": \"/bank_accounts/{bank_accounts.id}/verifications\",\n
-        \   \"bank_accounts.customer\": \"/customers/{bank_accounts.customer}\",\n
-        \   \"bank_accounts.debits\": \"/bank_accounts/{bank_accounts.id}/debits\",\n
-        \   \"bank_accounts.bank_account_verification\": \"/verifications/{bank_accounts.bank_account_verification}\"\n
-        \ }\n}"}
-    headers: ["access-control-allow-headers: Content-Type\r\n", "access-control-allow-methods:
-        POST, OPTIONS\r\n", "access-control-allow-origin: *\r\n", "Content-Type: application/json\r\n",
-      "Date: Tue, 18 Mar 2014 19:04:27 GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n",
-      "X-Balanced-Guru: OHM201fab42aed011e39ed902a1fe52a36c\r\n", "x-balanced-host:
-        balanced-api-05\r\n", "x-balanced-marketplace: TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n",
-      "x-balanced-merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\n", "x-balanced-revision:
-        1.1\r\n", "x-balanced-software-build: 77317bb168da524f671cef0953e5b9495fe1af05\r\n",
-      "X-Midlr-Version: 2\r\n", "x-newrelic-app-data: PxQFWFNXCQYTVVhWAwQDVUYdFhE1AwE2QgNWEVlbQFtcCxYxSBVbDQoZVA4IF0pcXAgEEBhTVggPbldQAQkWDEQRFgFKXVVGVkcVQQFNE1JKAwRRUFsLCglQU1sEAwZUXR0WAlpeT0ISUgAECFsCAgFdAAJXAgJTBhQbQQACVEBVOQ==\r\n",
-      "Content-Length: 1279\r\n", "Connection: keep-alive\r\n"]
+    body: {string: "{\n  \"bank_accounts\": [\n    {\n      \"routing_number\": \"\
+        121042882\",\n      \"bank_name\": \"WELLS FARGO BANK NA\",\n      \"account_type\"\
+        : \"checking\",\n      \"name\": \"Homer Jay\",\n      \"links\": {\n    \
+        \    \"customer\": null,\n        \"bank_account_verification\": null\n  \
+        \    },\n      \"can_credit\": true,\n      \"created_at\": \"2014-05-13T14:13:38.657238Z\"\
+        ,\n      \"fingerprint\": \"dac6514d9dd3a1cd7ac925d5749e0308c2c65fa27c506aefb0c9b21611ff9969\"\
+        ,\n      \"updated_at\": \"2014-05-13T14:13:38.657241Z\",\n      \"href\"\
+        : \"/bank_accounts/BA64kjdIjuHxqDKUIVohGjAl\",\n      \"meta\": {},\n    \
+        \  \"account_number\": \"xxx233a\",\n      \"address\": {\n        \"city\"\
+        : null,\n        \"line2\": null,\n        \"line1\": null,\n        \"state\"\
+        : null,\n        \"postal_code\": null,\n        \"country_code\": null\n\
+        \      },\n      \"can_debit\": false,\n      \"id\": \"BA64kjdIjuHxqDKUIVohGjAl\"\
+        \n    }\n  ],\n  \"links\": {\n    \"bank_accounts.credits\": \"/bank_accounts/{bank_accounts.id}/credits\"\
+        ,\n    \"bank_accounts.bank_account_verifications\": \"/bank_accounts/{bank_accounts.id}/verifications\"\
+        ,\n    \"bank_accounts.customer\": \"/customers/{bank_accounts.customer}\"\
+        ,\n    \"bank_accounts.debits\": \"/bank_accounts/{bank_accounts.id}/debits\"\
+        ,\n    \"bank_accounts.bank_account_verification\": \"/verifications/{bank_accounts.bank_account_verification}\"\
+        \n  }\n}"}
+    headers: ["access-control-allow-headers: Content-Type\r\n", "access-control-allow-methods:\
+        \ POST, OPTIONS\r\n", "access-control-allow-origin: *\r\n", "Content-Type:\
+        \ application/json\r\n", "Date: Tue, 13 May 2014 14:13:38 GMT\r\n", "Server:\
+        \ ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHMc756167cdaa811e3ab2502a1fe52a36c\r\
+        \n", "x-balanced-host: bapi-integration-prod-8u30f7-10-3-5-201\r\n", "x-balanced-marketplace:\
+        \ TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n", "x-balanced-merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\
+        \n", "x-balanced-revision: 1.1\r\n", "x-balanced-software-build: 1.2.19\r\n",
+      "X-Midlr-Version: 2\r\n", "x-newrelic-app-data: PxQFWFNXCQYTVVhWAwQDVUYdFhE1AwE2QgNWEVlbQFtcCxYxSBVbDQoZVA4IF0pcXAgEEBhTVggPbldQAQkWDEQRFgFKXVVGVkcVQQFNE1JKBw5YXlcJAwJWVVsGBQJTVAkaE1NeW04QQABXDAsHBAtSC1RVAAFWAQMVTUYFWV9DATw=\r\
+        \n", "Content-Length: 1281\r\n", "Connection: keep-alive\r\n"]
     status: {code: 201, message: CREATED}
 - request: !!python/object:vcr.request.Request
     body: null
     headers: !!python/object/apply:__builtin__.frozenset
-    - - !!python/tuple [content-type, !!python/unicode application/json;revision=1.1]
+    - - !!python/tuple [content-type, !!python/unicode 'application/json;revision=1.1']
+      - !!python/tuple [Authorization, !!python/unicode 'Basic YWstdGVzdC11U3RKYlJSbkhTZzNLb2oxbnRPZW56bkJYSnJsWUFDbDpOb25l']
+      - !!python/tuple [accept, !!python/unicode 'application/vnd.api+json;revision=1.1']
+      - !!python/tuple [User-Agent, !!python/unicode 'balanced-python/1.0.1beta2']
       - !!python/tuple [Accept-Encoding, 'gzip, deflate, compress']
-      - !!python/tuple [accept, !!python/unicode application/vnd.api+json;revision=1.1]
-      - !!python/tuple [Authorization, !!python/unicode Basic OTBiYjM2NDhjYTBhMTFlMWE5NzcwMjZiYTdlMjM5YTk6Tm9uZQ==]
-      - !!python/tuple [User-Agent, !!python/unicode balanced-python/1.0.1beta2]
     host: api.balancedpayments.com
     method: GET
     path: /marketplaces?limit=25&offset=0
     port: 443
     protocol: https
   response:
-    body: {string: "{\n  \"meta\": {\n    \"last\": \"/marketplaces?limit=25&offset=0\",\n
-        \   \"next\": null,\n    \"href\": \"/marketplaces?limit=25&offset=0\",\n
-        \   \"limit\": 25,\n    \"offset\": 0,\n    \"previous\": null,\n    \"total\":
-        1,\n    \"first\": \"/marketplaces?limit=25&offset=0\"\n  },\n  \"marketplaces\":
-        [\n    {\n      \"in_escrow\": 410301,\n      \"domain_url\": \"example.com\",\n
-        \     \"name\": \"Gittip Test Marketplace\",\n      \"links\": {\n        \"owner_customer\":
-        \"AC4pC0WmyRfrgT2Efuh8ZUCt\"\n      },\n      \"href\": \"/marketplaces/TEST-MP4pdETrZYO1CKZBA29bC1QJ\",\n
-        \     \"created_at\": \"2012-07-09T21:10:52.894048Z\",\n      \"support_email_address\":
-        \"support@example.com\",\n      \"updated_at\": \"2012-07-09T21:10:52.917027Z\",\n
-        \     \"support_phone_number\": \"+16505551234\",\n      \"production\": false,\n
-        \     \"meta\": {},\n      \"unsettled_fees\": 0,\n      \"id\": \"TEST-MP4pdETrZYO1CKZBA29bC1QJ\"\n
-        \   }\n  ],\n  \"links\": {\n    \"marketplaces.debits\": \"/debits\",\n    \"marketplaces.reversals\":
-        \"/reversals\",\n    \"marketplaces.customers\": \"/customers\",\n    \"marketplaces.credits\":
-        \"/credits\",\n    \"marketplaces.cards\": \"/cards\",\n    \"marketplaces.card_holds\":
-        \"/card_holds\",\n    \"marketplaces.refunds\": \"/refunds\",\n    \"marketplaces.owner_customer\":
-        \"/customers/{marketplaces.owner_customer}\",\n    \"marketplaces.transactions\":
-        \"/transactions\",\n    \"marketplaces.bank_accounts\": \"/bank_accounts\",\n
-        \   \"marketplaces.callbacks\": \"/callbacks\",\n    \"marketplaces.events\":
-        \"/events\"\n  }\n}"}
-    headers: ["Content-Type: application/json\r\n", "Date: Tue, 18 Mar 2014 19:04:27
-        GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n", "X-Balanced-Guru: OHM20cdf094aed011e389e1026ba7cac9da\r\n",
-      "X-Balanced-Host: balanced-api-05\r\n", "X-Balanced-Marketplace: TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\n",
-      "X-Balanced-Merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\n", "X-Balanced-Revision:
-        1.1\r\n", "X-Balanced-Software-Build: 77317bb168da524f671cef0953e5b9495fe1af05\r\n",
-      "Content-Length: 1416\r\n", "Connection: keep-alive\r\n"]
+    body:
+      string: !!binary |
+        H4sIAAAAAAAAA5VU24rbMBB9368IfuhLu4nttZsLLO02hELL0ptLaUoxijVuTGTJ6LK7JeTfO5bl
+        dUxFLy9hLmdmzoxOfLyYTIIaNAlWkyPa6DGiNHrBrCbyALphpAD1glV1pa/j9IkoSwX6OgyedXAO
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+        br++i9Zvt69u4uVuHX14M3ApJBANNCdWAHEYxZfh/DJcZnG0isJVGk8XyyRMFtuhRJmmEVLngBdh
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+        4/VqtxqwNzMcFa0ZLl4CtOSd8FoR0HaXP5/Ptjnh73erqvGDjkQ2pbCrtD3PzJlOvOdSnKLcQSok
+        bYGD58PSSjVGW9bYs3d8yF5PHXTwvFgJtCeKorC2F0ckdf2s5cMISXEby8+ZPlSB9flesLN2zvWh
+        8QtjuIP2tg/3+z9p9rj47Dg6+hh68q6iJeGKWFl1C40CPgI7wg85KQphuHv3ccRXUxDGdqSwX4Vg
+        Nng+LCqlb+zM9ut2cfoFgyr6MdgFAAA=
+    headers: ["Content-Encoding: gzip\r\n", "Content-Type: application/json\r\n",
+      "Date: Tue, 13 May 2014 14:13:39 GMT\r\n", "Server: ngx_openresty/1.2.6.3\r\n",
+      "X-Balanced-Guru: OHMc8182096daa811e39cf202b12035401b\r\n", "X-Balanced-Host:\
+        \ bapi-integration-prod-8u30f7-10-3-4-8\r\n", "X-Balanced-Marketplace: TEST-MP4pdETrZYO1CKZBA29bC1QJ\r\
+        \n", "X-Balanced-Merchant: TEST-MR4oMv3Sk7Oj9Ye1sjtY6aEx\r\n", "X-Balanced-Revision:\
+        \ 1.1\r\n", "X-Balanced-Software-Build: 1.2.19\r\n", "Content-Length: 593\r\
+        \n", "Connection: keep-alive\r\n"]
     status: {code: 200, message: OK}
diff --git a/tests/py/test_billing.py b/tests/py/test_billing.py
--- a/tests/py/test_billing.py
+++ b/tests/py/test_billing.py
@@ -103,8 +103,8 @@ class TestStripeCard(Harness):
     def test_stripe_card_basically_works(self, sc):
         active_card = {}
         active_card['last4'] = '1234'
-        active_card['expiration_month'] = 10
-        active_card['expiration_year'] = 2020
+        active_card['exp_month'] = 10
+        active_card['exp_year'] = 2020
         active_card['address_line1'] = "123 Main Street"
         active_card['address_line2'] = "Box 2"
         active_card['address_state'] = "Confusion"
diff --git a/tests/py/test_utils.py b/tests/py/test_utils.py
--- a/tests/py/test_utils.py
+++ b/tests/py/test_utils.py
@@ -3,7 +3,8 @@
 from aspen.http.response import Response
 from gittip import utils
 from gittip.testing import Harness
-
+from datetime import datetime
+from datetime import timedelta
 
 class Tests(Harness):
 
@@ -58,3 +59,13 @@ def test_linkify_works_without_protocol(self):
         expected = '<a href="http://www.example.com" target="_blank">www.example.com</a>'
         actual = utils.linkify('www.example.com')
         assert actual == expected
+
+    def test_short_difference_is_expiring(self):
+        expiring = datetime.utcnow() + timedelta(days = 1)
+        expiring = utils.is_card_expiring(expiring.year, expiring.month)
+        assert expiring
+
+    def test_long_difference_not_expiring(self):
+        expiring = datetime.utcnow() + timedelta(days = 100)
+        expiring = utils.is_card_expiring(expiring.year, expiring.month)
+        assert not expiring