create marketplace account on iugu (iugu-ruby)

iugu_concerns.rb

# Using the iugu-ruby gem's fork from https://github.com/jnettome/iugu-ruby
module IuguConcerns
  extend ActiveSupport::Concern

  included do
    def generate_iugu_subaccount!
      return iugu_receiver_id if iugu_receiver_id
      account = Iugu::Account.create(name: name, commission_percent: 0)
      return fail account.errors.to_s if account.errors

      self.iugu_receiver_id = account.account_id
      self.iugu_live_api_token = account.live_api_token
      self.iugu_test_api_token = account.test_api_token
      self.iugu_user_token = account.user_token
      self.save!

      iugu_receiver_id
    end

    def send_documents_to_iugu
      data_params = {
        price_range: 'Mais que R$ 500,00',
        physical_products: false,
        business_type: 'Prestador de serviços de TI',
        person_type: have_cnpj? ? 'Pessoa Jurídica' : 'Pessoa Física',
        automatic_transfer: true,
        cnpj: document_cnpj,
        cpf: document_cpf,
        company_name: 'razao social',
        name: name,
        address: addresses.first.address,
        cep: addresses.first.zipcode,
        city: addresses.first.city,
        state: addresses.first.state,
        telephone: cellphone,
        resp_name: name,
        resp_cpf: document_cpf,
        bank: bank_accounts.first.bank,
        bank_ag: bank_accounts.first.agency,
        account_type: bank_accounts.first.account_type,
        bank_cc: bank_accounts.first.number
      }
      file_params = {
        id: nil,
        cpf: nil,
        activity: nil
      }
      params = { data: data_params, file: file_params }
      verification = Iugu::Account.verify(params, iugu_receiver_id, iugu_user_token)
      # Iugu::RequestWithErrors: Iugu::RequestWithErrors
      # {"account"=>["já existe uma verificação pendente para essa conta."]}
    end

    def self.configure_iugu
      config_file = YAML.load_file("#{Rails.root.to_s}/config/iugu_settings.yml")
      config = JSON.parse(config_file.to_json, object_class: OpenStruct)
      config

      data_params = {
        commission_percent: config.commission_percent,
        auto_withdraw: config.auto_withdraw,
        credit_card: {
          active: config.credit_card.active,
          soft_descriptor: config.credit_card.soft_descriptor,
          two_step_transaction: config.credit_card.two_step_transaction
        },
        bank_slip: {
          active: config.bank_slip.active
        },
        id: iugu_receiver_id
      }

      Iugu::Account.configuration(data_params)
    end
  end
end

iugu_settings.yml

commission_percent: 0
auto_withdraw: true
fines: true
per_day_interest: true
late_payment_fine: 2
auto_advance: false
auto_advance_type: false
bank_slip:
  active: true
  extra_due: 1
  reprint_extra_due: 1
credit_card:
  active: true
  soft_descriptor: NomeDaEmpresa
  # Descrição que apareça na Fatura do Cartão do Cliente (Máx: 12 Caractéres)
  installments: true
  installments_pass_interest: true
  max_installments: 12
  max_installments_without_interest: 2
  two_step_transaction: false