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<?php /** * WC_Payments_Token_Service class * * @package WooCommerce\Payments / if ( ! defined( 'ABSPATH' ) ) { exit; // Exit if accessed directly. } use WCPay\Logger; use WCPay\Payment_Methods\CC_Payment_Gateway; use WCPay\Constants\Payment_Method; /* * Handles and process WC payment tokens API. * Seen in checkout page and my account->add payment method page. / class WC_Payments_Token_Service { const REUSABLE_GATEWAYS_BY_PAYMENT_METHOD = [ Payment_Method::CARD => WC_Payment_Gateway_WCPay::GATEWAY_ID, Payment_Method::SEPA => WC_Payment_Gateway_WCPay::GATEWAY_ID . '_' . Payment_Method::SEPA, Payment_Method::LINK => WC_Payment_Gateway_WCPay::GATEWAY_ID, ]; /* * Client for making requests to the WooCommerce Payments API * * @var WC_Payments_API_Client / private $payments_api_client; /* * WC_Payments_Customer instance for working with customer information * * @var WC_Payments_Customer_Service / private $customer_service; /* * WC_Payments_Token_Service constructor. * * @param WC_Payments_API_Client $payments_api_client Payments API client. * @param WC_Payments_Customer_Service $customer_service Customer class instance. / public function __construct( WC_Payments_API_Client $payments_api_client, WC_Payments_Customer_Service $customer_service ) { $this->payments_api_client = $payments_api_client; $this->customer_service = $customer_service; } /* * Initializes hooks. / public function init_hooks() { add_action( 'woocommerce_payment_token_deleted', [ $this, 'woocommerce_payment_token_deleted' ], 10, 2 ); add_action( 'woocommerce_payment_token_set_default', [ $this, 'woocommerce_payment_token_set_default' ], 10, 2 ); add_filter( 'woocommerce_get_customer_payment_tokens', [ $this, 'woocommerce_get_customer_payment_tokens' ], 10, 3 ); add_filter( 'woocommerce_payment_methods_list_item', [ $this, 'get_account_saved_payment_methods_list_item_sepa' ], 10, 2 ); add_filter( 'woocommerce_payment_methods_list_item', [ $this, 'get_account_saved_payment_methods_list_item_link' ], 10, 2 ); add_filter( 'woocommerce_get_credit_card_type_label', [ $this, 'normalize_sepa_label' ] ); add_filter( 'woocommerce_get_credit_card_type_label', [ $this, 'normalize_stripe_link_label' ] ); } /* * Creates and add a token to an user, based on the payment_method object * * @param array $payment_method Payment method to be added. * @param WP_User $user User to attach payment method to. * @return WC_Payment_Token The WC object for the payment token. / public function add_token_to_user( $payment_method, $user ) { // Clear cached payment methods. $this->customer_service->clear_cached_payment_methods_for_user( $user->ID ); switch ( $payment_method['type'] ) { case Payment_Method::SEPA: $token = new WC_Payment_Token_WCPay_SEPA(); $gateway_id = WC_Payment_Gateway_WCPay::GATEWAY_ID . '_' . Payment_Method::SEPA; $token->set_gateway_id( $gateway_id ); $token->set_last4( $payment_method[ Payment_Method::SEPA ]['last4'] ); break; case Payment_Method::LINK: $token = new WC_Payment_Token_WCPay_Link(); $gateway_id = CC_Payment_Gateway::GATEWAY_ID; $token->set_gateway_id( $gateway_id ); $token->set_email( $payment_method[ Payment_Method::LINK ]['email'] ); break; case Payment_Method::CARD_PRESENT: $token = new WC_Payment_Token_CC(); $token->set_gateway_id( CC_Payment_Gateway::GATEWAY_ID ); $token->set_expiry_month( $payment_method[ Payment_Method::CARD_PRESENT ]['exp_month'] ); $token->set_expiry_year( $payment_method[ Payment_Method::CARD_PRESENT ]['exp_year'] ); $token->set_card_type( strtolower( $payment_method[ Payment_Method::CARD_PRESENT ]['brand'] ) ); $token->set_last4( $payment_method[ Payment_Method::CARD_PRESENT ]['last4'] ); break; default: $token = new WC_Payment_Token_CC(); $token->set_gateway_id( CC_Payment_Gateway::GATEWAY_ID ); $token->set_expiry_month( $payment_method[ Payment_Method::CARD ]['exp_month'] ); $token->set_expiry_year( $payment_method[ Payment_Method::CARD ]['exp_year'] ); $token->set_card_type( strtolower( $payment_method[ Payment_Method::CARD ]['display_brand'] ?? $payment_method[ Payment_Method::CARD ]['networks']['preferred'] ?? $payment_method[ Payment_Method::CARD ]['brand'] ) ); $token->set_last4( $payment_method[ Payment_Method::CARD ]['last4'] ); } $token->set_token( $payment_method['id'] ); $token->set_user_id( $user->ID ); $token->save(); return $token; } /* * Adds a payment method to a user. * * @param string $payment_method_id Payment method to be added. * @param WP_User $user User to attach payment method to. * @return WC_Payment_Token_CC The newly created token. / public function add_payment_method_to_user( $payment_method_id, $user ) { $payment_method_object = $this->payments_api_client->get_payment_method( $payment_method_id ); return $this->add_token_to_user( $payment_method_object, $user ); } /* * Returns boolean value if payment method type matches relevant payment gateway. * * @param string $payment_method_type Stripe payment method type ID. * @param string $gateway_id WC payment gateway ID. * @return bool True, if payment method type matches gateway, false if otherwise. / public function is_valid_payment_method_type_for_gateway( $payment_method_type, $gateway_id ) { return self::REUSABLE_GATEWAYS_BY_PAYMENT_METHOD[ $payment_method_type ] === $gateway_id; } /* * Gets saved tokens from API if they don't already exist in WooCommerce. * * @param array $tokens Array of tokens. * @param string $user_id WC user ID. * @param string $gateway_id WC gateway ID. * @return array / public function woocommerce_get_customer_payment_tokens( $tokens, $user_id, $gateway_id ) { if ( ( ! empty( $gateway_id ) && ! in_array( $gateway_id, self::REUSABLE_GATEWAYS_BY_PAYMENT_METHOD, true ) ) \|\| ! is_user_logged_in() ) { return $tokens; } if ( count( $tokens ) >= get_option( 'posts_per_page' ) ) { // The tokens data store is not paginated and only the first "post_per_page" (defaults to 10) tokens are retrieved. // Having 10 saved credit cards is considered an unsupported edge case, new ones that have been stored in Stripe won't be added. return $tokens; } try { $customer_id = $this->customer_service->get_customer_id_by_user_id( $user_id ); if ( null === $customer_id ) { return $tokens; } $stored_tokens = []; foreach ( $tokens as $token ) { if ( in_array( $token->get_gateway_id(), self::REUSABLE_GATEWAYS_BY_PAYMENT_METHOD, true ) ) { $stored_tokens[ $token->get_token() ] = $token; } } $retrievable_payment_method_types = $this->get_retrievable_payment_method_types( $gateway_id ); $payment_methods = []; foreach ( $retrievable_payment_method_types as $type ) { $payment_methods[] = $this->customer_service->get_payment_methods_for_customer( $customer_id, $type ); } $payment_methods = array_merge( ...$payment_methods ); } catch ( Exception $e ) { Logger::error( 'Failed to fetch payment methods for customer.' . $e ); return $tokens; } // Prevent unnecessary recursion, WC_Payment_Token::save() ends up calling 'woocommerce_get_customer_payment_tokens' in some cases. remove_action( 'woocommerce_get_customer_payment_tokens', [ $this, 'woocommerce_get_customer_payment_tokens' ], 10, 3 ); foreach ( $payment_methods as $payment_method ) { if ( ! isset( $payment_method['type'] ) ) { continue; } if ( ! isset( $stored_tokens[ $payment_method['id'] ] ) && ( $this->is_valid_payment_method_type_for_gateway( $payment_method['type'], $gateway_id ) \|\| empty( $gateway_id ) ) ) { $token = $this->add_token_to_user( $payment_method, get_user_by( 'id', $user_id ) ); $tokens[ $token->get_id() ] = $token; } else { unset( $stored_tokens[ $payment_method['id'] ] ); } } add_action( 'woocommerce_get_customer_payment_tokens', [ $this, 'woocommerce_get_customer_payment_tokens' ], 10, 3 ); // Remove the payment methods that no longer exist in Stripe's side. remove_action( 'woocommerce_payment_token_deleted', [ $this, 'woocommerce_payment_token_deleted' ], 10, 2 ); foreach ( $stored_tokens as $token ) { unset( $tokens[ $token->get_id() ] ); $token->delete(); } add_action( 'woocommerce_payment_token_deleted', [ $this, 'woocommerce_payment_token_deleted' ], 10, 2 ); return $tokens; } /* * Retrieves the payment method types for which tokens should be retrieved. * * This function determines the appropriate payment method types based on the provided gateway ID. * - If a gateway ID is provided, it retrieves the payment methods specific to that gateway to prevent duplication of saved tokens under incorrect payment methods during checkout. * - If no gateway ID is provided, it retrieves the default payment methods to fetch all saved tokens, e.g., for the Blocks checkout or My Account page. * * @param string\|null $gateway_id The optional ID of the gateway. * @return array The list of retrievable payment method types. / private function get_retrievable_payment_method_types( $gateway_id = null ) { if ( empty( $gateway_id ) ) { return $this->get_all_retrievable_payment_types(); } else { return $this->get_gateway_specific_retrievable_payment_types( $gateway_id ); } } /* * Returns all the enabled retrievable payment method types. * * @return array Enabled retrievable payment method types. / private function get_all_retrievable_payment_types() { $types = [ Payment_Method::CARD ]; if ( $this->is_payment_method_enabled( Payment_Method::SEPA ) ) { $types[] = Payment_Method::SEPA; } if ( $this->is_payment_method_enabled( Payment_Method::LINK ) ) { $types[] = Payment_Method::LINK; } return $types; } /* * Returns retrievable payment method types for a given gateway. * * @param string $gateway_id The ID of the gateway. * @return array Retrievable payment method types for the specified gateway. / private function get_gateway_specific_retrievable_payment_types( $gateway_id ) { $types = []; foreach ( self::REUSABLE_GATEWAYS_BY_PAYMENT_METHOD as $payment_method => $gateway ) { if ( $gateway !== $gateway_id ) { continue; } // Stripe Link is part of the card gateway, so we need to check separately if Link is enabled. if ( Payment_Method::LINK === $payment_method && ! $this->is_payment_method_enabled( Payment_Method::LINK ) ) { continue; } $types[] = $payment_method; } return $types; } /* * Checks if a payment method is enabled. * * @param string $payment_method The payment method to check. * @return bool True if the payment method is enabled, false otherwise. / private function is_payment_method_enabled( $payment_method ) { return in_array( $payment_method, WC_Payments::get_gateway()->get_upe_enabled_payment_method_ids(), true ); } /* * Delete token from Stripe. * * @param string $token_id Token ID. * @param WC_Payment_Token $token Token object. * * @throws Exception / public function woocommerce_payment_token_deleted( $token_id, $token ) { // If it's not reusable payment method, we don't need to perform any additional checks. if ( ! in_array( $token->get_gateway_id(), self::REUSABLE_GATEWAYS_BY_PAYMENT_METHOD, true ) ) { return; } // First check if it's live mode. // Second check if it's admin. // Third check if it's not production environment. // When all conditions are met, we don't want to delete the payment method from Stripe. // This is to avoid detaching the payment method from the live stripe account on non production environments. if ( WC_Payments::mode()->is_live() && is_admin() && 'production' !== wp_get_environment_type() ) { return; } try { $this->payments_api_client->detach_payment_method( $token->get_token() ); // Clear cached payment methods. $this->customer_service->clear_cached_payment_methods_for_user( $token->get_user_id() ); } catch ( Exception $e ) { Logger::log( 'Error detaching payment method:' . $e->getMessage() ); } } /* * Set as default in Stripe. * * @param string $token_id Token ID. * @param WC_Payment_Token $token Token object. / public function woocommerce_payment_token_set_default( $token_id, $token ) { if ( in_array( $token->get_gateway_id(), self::REUSABLE_GATEWAYS_BY_PAYMENT_METHOD, true ) ) { $customer_id = $this->customer_service->get_customer_id_by_user_id( $token->get_user_id() ); if ( $customer_id ) { $this->customer_service->set_default_payment_method_for_customer( $customer_id, $token->get_token() ); // Clear cached payment methods. $this->customer_service->clear_cached_payment_methods_for_user( $token->get_user_id() ); } } } /* * Controls the output for SEPA on the my account page. * * @param array $item Individual list item from woocommerce_saved_payment_methods_list. * @param WC_Payment_Token\|WC_Payment_Token_WCPay_SEPA $payment_token The payment token associated with this method entry. * @return array Filtered item / public function get_account_saved_payment_methods_list_item_sepa( $item, $payment_token ) { if ( WC_Payment_Token_WCPay_SEPA::TYPE === strtolower( $payment_token->get_type() ) ) { $item['method']['last4'] = $payment_token->get_last4(); $item['method']['brand'] = esc_html__( 'SEPA IBAN', 'woocommerce-payments' ); } return $item; } /* * Controls the output for Stripe Link on the My account page. * * @param array $item Individual list item from woocommerce_saved_payment_methods_list. * @param WC_Payment_Token\|WC_Payment_Token_WCPay_Link $payment_token The payment token associated with this method entry. * @return array Filtered item / public function get_account_saved_payment_methods_list_item_link( $item, $payment_token ) { if ( WC_Payment_Token_WCPay_Link::TYPE === strtolower( $payment_token->get_type() ) ) { $item['method']['last4'] = $payment_token->get_redacted_email(); $item['method']['brand'] = esc_html__( 'Stripe Link email', 'woocommerce-payments' ); } return $item; } /* * Normalizes the SEPA IBAN label on My Account page. * * @param string $label Token label. * @return string $label Capitalized SEPA IBAN label. / public function normalize_sepa_label( $label ) { if ( 'sepa iban' === strtolower( $label ) ) { return __( 'SEPA IBAN', 'woocommerce-payments' ); } return $label; } /* * Normalizes the Stripe Link label on My Account page. * * @param string $label Token label. * @return string $label Capitalized SEPA IBAN label. */ public function normalize_stripe_link_label( $label ) { if ( 'stripe link email' === strtolower( $label ) ) { return 'Stripe Link email'; } return $label; } }

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