<?php
/**
 * WooCommerce Payment Gateway Framework
 *
 * This source file is subject to the GNU General Public License v3.0
 * that is bundled with this package in the file license.txt.
 * It is also available through the world-wide-web at this URL:
 * http://www.gnu.org/licenses/gpl-3.0.html
 * If you did not receive a copy of the license and are unable to
 * obtain it through the world-wide-web, please send an email
 * to license@skyverge.com so we can send you a copy immediately.
 *
 * DISCLAIMER
 *
 * Do not edit or add to this file if you wish to upgrade the plugin to newer
 * versions in the future. If you wish to customize the plugin for your
 * needs please refer to http://www.skyverge.com
 *
 * @package   SkyVerge/WooCommerce/Payment-Gateway/Classes
 * @author    SkyVerge
 * @copyright Copyright (c) 2013-2024, SkyVerge, Inc.
 * @license   http://www.gnu.org/licenses/gpl-3.0.html GNU General Public License v3.0
 */

namespace SkyVerge\WooCommerce\PluginFramework\v6_1_4;

use SkyVerge\WooCommerce\PluginFramework\v6_1_4\Blocks\Blocks_Handler;
use SkyVerge\WooCommerce\PluginFramework\v6_1_4\Helpers\OrderHelper;
use SkyVerge\WooCommerce\PluginFramework\v6_1_4\Payment_Gateway\Dynamic_Props;

defined( 'ABSPATH' ) or exit;

if ( ! class_exists( '\\SkyVerge\\WooCommerce\\PluginFramework\\v6_1_4\\SV_WC_Payment_Gateway_Direct' ) ) :


/**
 * # WooCommerce Payment Gateway Framework Direct Gateway
 *
 * @since 1.0.0
 */
#[\AllowDynamicProperties]
abstract class SV_WC_Payment_Gateway_Direct extends SV_WC_Payment_Gateway {


	/**
	 * Validate the payment fields when processing the checkout
	 *
	 * NOTE: if we want to bring billing field validation (ie length) into the
	 * fold, see the Elavon VM Payment Gateway for a sample implementation
	 *
	 * @since 1.0.0
	 * @see WC_Payment_Gateway::validate_fields()
	 * @return bool true if fields are valid, false otherwise
	 */
	public function validate_fields() {

		$is_valid = parent::validate_fields();

		if ( $this->supports_tokenization() ) {

			// tokenized transaction?
			if ( $token = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-payment-token' ) ) {

				// unknown token?
				if ( ! $this->get_payment_tokens_handler()->user_has_token( get_current_user_id(), $token ) ) {
					SV_WC_Helper::wc_add_notice( esc_html__( 'Payment error, please try another payment method or contact us to complete your transaction.', 'woocommerce-plugin-framework' ), 'error' );
					$is_valid = false;
				}

				// Check the CSC if enabled
				if ( $this->is_credit_card_gateway() && $this->csc_enabled_for_tokens() ) {
					$is_valid = $this->validate_csc( SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-csc' ) ) && $is_valid;
				}

				// no more validation to perform
				return $is_valid;
			}
		}

		// validate remaining payment fields
		if ( $this->is_credit_card_gateway() ) {
			return $this->validate_credit_card_fields( $is_valid );
		} elseif ( $this->is_echeck_gateway() ) {
			return $this->validate_check_fields( $is_valid );
		} else {
			$method_name = 'validate_' . str_replace( '-', '_', strtolower( $this->get_payment_type() ) ) . '_fields';
			if ( is_callable( array( $this, $method_name ) ) ) {
				return $this->$method_name( $is_valid );
			}
		}

		// no more validation to perform. Return the parent method's outcome.
		return $is_valid;
	}


	/**
	 * Returns true if the posted credit card fields are valid, false otherwise
	 *
	 * @since 1.0.0
	 * @param boolean $is_valid true if the fields are valid, false otherwise
	 * @return boolean true if the fields are valid, false otherwise
	 */
	protected function validate_credit_card_fields( $is_valid ) {

		$account_number   = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-account-number' );
		$expiration_month = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-exp-month' );
		$expiration_year  = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-exp-year' );
		$expiry           = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-expiry' );
		$csc              = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-csc' );

		// handle single expiry field formatted like "MM / YY" or "MM / YYYY"
		if ( ! $expiration_month & ! $expiration_year && $expiry ) {
			[ $expiration_month, $expiration_year ] = array_map( 'trim', explode( '/', $expiry ) );
		}

		$is_valid = $this->validate_credit_card_account_number( $account_number ) && $is_valid;

		$is_valid = $this->validate_credit_card_expiration_date( $expiration_month, $expiration_year ) && $is_valid;

		// validate card security code
		if ( $this->csc_enabled() ) {
			$is_valid = $this->validate_csc( $csc ) && $is_valid;
		}

		/**
		 * Direct Payment Gateway Validate Credit Card Fields Filter.
		 *
		 * Allow actors to filter the credit card field validation.
		 *
		 * @since 4.3.0
		 * @param bool $is_valid true for validation to pass
		 * @param SV_WC_Payment_Gateway_Direct $this direct gateway class instance
		 */
		return apply_filters( 'wc_payment_gateway_' . $this->get_id() . '_validate_credit_card_fields', $is_valid, $this );
	}


	/**
	 * Validates the provided credit card expiration date
	 *
	 * @since 2.1.0
	 * @param string $expiration_month the credit card expiration month
	 * @param string $expiration_year the credit card expiration month
	 * @return boolean true if the card expiration date is valid, false otherwise
	 */
	protected function validate_credit_card_expiration_date( $expiration_month, $expiration_year ) {

		$is_valid = true;

		if ( 2 === strlen( $expiration_year ) ) {
			$expiration_year = '20' . $expiration_year;
		}

		// validate expiration data
		$current_year  = date( 'Y' );
		$current_month = date( 'n' );

		if ( ! ctype_digit( $expiration_month ) || ! ctype_digit( $expiration_year ) ||
			$expiration_month > 12 ||
			$expiration_month < 1 ||
			$expiration_year < $current_year ||
			( $expiration_year == $current_year && $expiration_month < $current_month ) ||
			$expiration_year > $current_year + 20
		) {
			SV_WC_Helper::wc_add_notice( esc_html__( 'Card expiration date is invalid', 'woocommerce-plugin-framework' ), 'error' );
			$is_valid = false;
		}

		return $is_valid;
	}


	/**
	 * Validates the provided credit card account number
	 *
	 * @since 2.1.0
	 * @param string $account_number the credit card account number
	 * @return boolean true if the card account number is valid, false otherwise
	 */
	protected function validate_credit_card_account_number( $account_number ) {

		$is_valid = true;

		// validate card number
		$account_number = str_replace( array( ' ', '-' ), '', $account_number );

		if ( empty( $account_number ) ) {

			SV_WC_Helper::wc_add_notice( esc_html__( 'Card number is missing', 'woocommerce-plugin-framework' ), 'error' );
			$is_valid = false;

		} else {

			if ( strlen( $account_number ) < 12 || strlen( $account_number ) > 19 ) {
				SV_WC_Helper::wc_add_notice( esc_html__( 'Card number is invalid (wrong length)', 'woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}

			if ( ! ctype_digit( $account_number ) ) {
				SV_WC_Helper::wc_add_notice( esc_html__( 'Card number is invalid (only digits allowed)', 'woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}

			if ( ! SV_WC_Payment_Gateway_Helper::luhn_check( $account_number ) ) {
				SV_WC_Helper::wc_add_notice( esc_html__( 'Card number is invalid', 'woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}

		}

		return $is_valid;
	}


	/**
	 * Validates the provided Card Security Code, adding user error messages as
	 * needed
	 *
	 * @since 1.0.0
	 * @param string $csc the customer-provided card security code
	 * @return boolean true if the card security code is valid, false otherwise
	 */
	protected function validate_csc( $csc ) {

		$is_valid = true;

		// validate security code
		if ( ! empty( $csc ) ) {

			// digit validation
			if ( ! ctype_digit( $csc ) ) {
				SV_WC_Helper::wc_add_notice( esc_html__( 'Card security code is invalid (only digits are allowed)', 'woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}

			// length validation
			if ( strlen( $csc ) < 3 || strlen( $csc ) > 4 ) {
				SV_WC_Helper::wc_add_notice( esc_html__( 'Card security code is invalid (must be 3 or 4 digits)', 'woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}

		} elseif ( $this->csc_required() ) {

			SV_WC_Helper::wc_add_notice( esc_html__( 'Card security code is missing', 'woocommerce-plugin-framework' ), 'error' );
			$is_valid = false;
		}

		return $is_valid;
	}


	/**
	 * Returns true if the posted echeck fields are valid, false otherwise
	 *
	 * @since 1.0.0
	 * @param bool $is_valid true if the fields are valid, false otherwise
	 * @return bool
	 */
	protected function validate_check_fields( $is_valid ) {

		$account_number         = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-account-number' );
		$routing_number         = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-routing-number' );

		// optional fields (excluding account type for now)
		$drivers_license_number = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-drivers-license-number' );
		$check_number           = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-check-number' );

		// routing number exists?
		if ( empty( $routing_number ) ) {

			SV_WC_Helper::wc_add_notice( esc_html__( 'Routing Number is missing', 'woocommerce-plugin-framework' ), 'error' );
			$is_valid = false;

		} else {

			// routing number digit validation
			if ( ! ctype_digit( $routing_number ) ) {
				SV_WC_Helper::wc_add_notice( esc_html__( 'Routing Number is invalid (only digits are allowed)', 'woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}

			// routing number length validation
			if ( 9 != strlen( $routing_number ) ) {
				SV_WC_Helper::wc_add_notice( esc_html__( 'Routing number is invalid (must be 9 digits)', 'woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}

		}

		// account number exists?
		if ( empty( $account_number ) ) {

			SV_WC_Helper::wc_add_notice( esc_html__( 'Account Number is missing', 'woocommerce-plugin-framework' ), 'error' );
			$is_valid = false;

		} else {

			// account number digit validation
			if ( ! ctype_digit( $account_number ) ) {
				SV_WC_Helper::wc_add_notice( esc_html__( 'Account Number is invalid (only digits are allowed)', 'woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}

			// account number length validation
			if ( strlen( $account_number ) < 5 || strlen( $account_number ) > 17 ) {
				SV_WC_Helper::wc_add_notice( esc_html_x( 'Account number is invalid (must be between 5 and 17 digits)', 'Bank account','woocommerce-plugin-framework' ), 'error' );
				$is_valid = false;
			}
		}

		// optional drivers license number validation
		if ( ! empty( $drivers_license_number ) &&  preg_match( '/^[a-zA-Z0-9 -]+$/', $drivers_license_number ) ) {
			SV_WC_Helper::wc_add_notice( esc_html__( "Driver's license number is invalid", 'woocommerce-plugin-framework' ), 'error' );
			$is_valid = false;
		}

		// optional check number validation
		if ( ! empty( $check_number ) && ! ctype_digit( $check_number ) ) {
			SV_WC_Helper::wc_add_notice( esc_html_x( 'Check Number is invalid (only digits are allowed)', 'Bank check (noun)', 'woocommerce-plugin-framework' ), 'error' );
			$is_valid = false;
		}

		/**
		 * Direct Payment Gateway Validate eCheck Fields Filter.
		 *
		 * Allow actors to filter the eCheck field validation.
		 *
		 * @since 4.3.0
		 * @param bool $is_valid true for validation to pass
		 * @param SV_WC_Payment_Gateway_Direct $this direct gateway class instance
		 */
		return apply_filters( 'wc_payment_gateway_' . $this->get_id() . '_validate_echeck_fields', $is_valid, $this );
	}


	/**
	 * Handles payment processing.
	 *
	 * @see WC_Payment_Gateway::process_payment()
	 *
	 * @since 1.0.0
	 *
	 * @param int|string $order_id
	 * @return array associative array with members 'result' and 'redirect'
	 */
	public function process_payment( $order_id ) {

		parent::process_payment( $order_id );

		/**
		 * Direct Gateway Process Payment Filter.
		 *
		 * Allow actors to intercept and implement the process_payment() call for
		 * this transaction. Return an array value from this filter will return it
		 * directly to the checkout processing code and skip this method entirely.
		 *
		 * @since 1.0.0
		 *
		 * @param bool $result default true
		 * @param int|string $order_id order ID for the payment
		 * @param SV_WC_Payment_Gateway_Direct $this instance
		 */
		if ( is_array( $result = apply_filters( 'wc_payment_gateway_' . $this->get_id() . '_process_payment', true, $order_id, $this ) ) ) {
			return $result;
		}

		// add payment information to order
		$order = $this->get_order( $order_id );

		try {

			// handle creating or updating a payment method for registered customers if tokenization is enabled
			if ( $this->supports_tokenization() && 0 !== (int) $order->get_user_id() ) {

				// if already paying with an existing method, try and updated it locally and remotely
				if ( ! empty( Dynamic_Props::get( $order, 'payment', 'token' ) ) ) {

					$this->update_transaction_payment_method( $order );

				// otherwise, create a new token if desired
				} elseif ( $this->should_tokenize_before_sale( $order ) ) {

					$order = $this->get_payment_tokens_handler()->create_token( $order );
				}
			}

			// payment failures are handled internally by do_transaction()
			// note that customer id & payment token are saved to order when create_token() is called
			if ( $this->should_skip_transaction( $order ) || $this->do_transaction( $order ) ) {

				// add transaction data for zero-dollar "orders"
				if ( '0.00' === OrderHelper::get_payment_total( $order ) ) {
					$this->add_transaction_data( $order );
				}

				/**
				 * Filters the order status that's considered to be "held".
				 *
				 * @since 5.3.0
				 *
				 * @param string $status held order status
				 * @param \WC_Order $order order object
				 * @param SV_WC_Payment_Gateway_API_Response|null $response API response object, if any
				 */
				$held_order_status = apply_filters( 'wc_' . $this->get_id() . '_held_order_status', 'on-hold', $order, null );

				if ( $order->has_status( $held_order_status ) ) {
					// reduce stock for held orders, but don't complete payment (pass order ID so WooCommerce fetches fresh order object with reduced_stock meta set on order status change)
					wc_reduce_stock_levels( $order->get_id() );
				} else {
					// mark order as having received payment
					$order->payment_complete();
				}

				// process_payment() can sometimes be called in an admin-context
				if ( isset( WC()->cart ) ) {
					WC()->cart->empty_cart();
				}

				/**
				 * Payment Gateway Payment Processed Action.
				 *
				 * Fired when a payment is processed for an order.
				 *
				 * @since 4.1.0
				 *
				 * @param \WC_Order $order order object
				 * @param SV_WC_Payment_Gateway_Direct $this instance
				 */
				do_action( 'wc_payment_gateway_' . $this->get_id() . '_payment_processed', $order, $this );

				$result = [
					'result'   => 'success',
					'redirect' => $this->get_return_url( $order ),
				];

				if ( $this->debug_checkout() && ( $messages = $this->get_notices_as_user_messages() ) ) {
					$result['message'] = ! empty( $messages ) ? implode( "\n", $messages ) : '';
				}

				return $result;

			} else {

				$messages = $this->get_notices_as_user_messages();

				return [
					'result'  => 'failure',
					'message' => ! empty( $messages ) ? implode( "\n", $messages ) : __( 'The transaction failed.', 'woocommerce-plugin-framework' ),
				];
			}

		} catch ( SV_WC_Plugin_Exception $exception ) {

			$this->mark_order_as_failed( $order, $exception->getMessage() );

			return [
				'result'  => 'failure',
				'message' => $exception->getMessage(),
			];
		}
	}


	/**
	 * Gets any added front end notices as user messages.
	 *
	 * @since 5.12.0
	 *
	 * @param string|null $type
	 * @return string[]
	 */
	protected function get_notices_as_user_messages( ?string $type = null ) : array  {

		if ( null == $type ) {
			$type = $this->debug_checkout() ? '' : 'error';
		}

		$messages = [];

		if ( function_exists( 'wc_get_notices' ) && ( $notices = wc_get_notices( $type ) ) ) {
			foreach ( $notices as $notice ) {
				$message = $notice['notice'] ?? $notice;

				// this will handle some log data eventually
				$messages[] = htmlspecialchars( is_array( $message ) ? print_r( $message, true ) : $message, ENT_QUOTES | ENT_SUBSTITUTE | ENT_HTML401 );
			}
		}

		return $messages;
	}


	/**
	 * Handles updating a user's payment method during payment.
	 *
	 * This allows us to check the billing address against the last used so we can determine if it needs an update.
	 *
	 * @since 5.3.0
	 *
	 * @param \WC_Order $order
	 * @return \WC_Order
	 */
	protected function update_transaction_payment_method( \WC_Order $order ) {

		$token    = $this->get_payment_tokens_handler()->get_token( $order->get_user_id(), Dynamic_Props::get( $order, 'payment', 'token' ) );
		$address  = new Addresses\Customer_Address();
		$address->set_from_order( $order );

		$new_billing_hash = $address->get_hash();

		// if the address & token hash don't match, update
		if ( $token->get_billing_hash() !== $new_billing_hash ) {

			// if the API supports it, update remotely
			if ( $this->get_api()->supports_update_tokenized_payment_method() ) {

				$response = null;

				try {

					$response = $this->get_api()->update_tokenized_payment_method( $order );

					// if an address was passed and the token was updated remotely, update the billing hash
					if ( $response->transaction_approved() ) {

						$token->set_billing_hash( $new_billing_hash );

					} else {

						if ( $response->get_status_message() ) {
							$message = $response->get_status_code() ? $response->get_status_code() . ' - ' . $response->get_status_message() : $response->get_status_message();
						} else {
							$message = __( 'Unknown error', 'woocommerce-plugin-framework' );
						}

						throw new SV_WC_Plugin_Exception( $message );
					}

				} catch ( SV_WC_Plugin_Exception $exception ) {

					$message = sprintf(
						/* translators: Placeholder: %s - Error message */
						__( 'Payment method address could not be updated. %s', 'woocommerce-plugin-framework' ),
						$exception->getMessage()
					);

					$order->add_order_note( $message );

					if ( $this->debug_log() ) {
						$this->get_plugin()->log( $message, $this->get_id() );
					}
				}

			} else {

				// updating remotely isn't supported, so just update the hash locally
				$token->set_billing_hash( $new_billing_hash );
			}
		}

		// don't halt payment if this fails
		$this->get_payment_tokens_handler()->update_token( $order->get_user_id(), $token );

		return $order;
	}


	/**
	 * Add payment and transaction information to $order object.
	 *
	 * The standard information that can be added includes:
	 *
	 * It is set and get using Dynamic_Props class and not directly on $order object, but documented here for reference.
	 *
	 * $order->payment_total           - the payment total
	 * $order->customer_id             - optional payment gateway customer id (useful for tokenized payments for certain gateways, etc)
	 * $order->payment->account_number - the credit card or checking account number
	 * $order->payment->last_four      - the last four digits of the account number
	 * $order->payment->card_type      - the card type (e.g. visa) derived from the account number
	 * $order->payment->routing_number - account routing number (check transactions only)
	 * $order->payment->account_type   - optional type of account one of 'checking' or 'savings' if type is 'check'
	 * $order->payment->card_type      - optional card type, ie one of 'visa', etc
	 * $order->payment->exp_month      - the 2 digit credit card expiration month (for credit card gateways), e.g. 07
	 * $order->payment->exp_year       - the 2 digit credit card expiration year (for credit card gateways), e.g. 17
	 * $order->payment->csc            - the card security code (for credit card gateways)
	 * $order->payment->check_number   - optional check number (check transactions only)
	 * $order->payment->drivers_license_number - optional driver license number (check transactions only)
	 * $order->payment->drivers_license_state  - optional driver license state code (check transactions only)
	 * $order->payment->token          - payment token (for tokenized transactions)
	 *
	 * Note that not all gateways will necessarily pass or require all of the
	 * above.  These represent the most common attributes used among a variety
	 * of gateways, it's up to the specific gateway implementation to make use
	 * of, or ignore them, or add custom ones by overridding this method.
	 *
	 * @since 1.0.0
	 * @see SV_WC_Payment_Gateway::get_order()
	 * @param int|\WC_Order $order_id order ID being processed
	 * @return \WC_Order object with payment and transaction information attached
	 */
	public function get_order( $order_id ) {

		$order = parent::get_order( $order_id );

		// Get payment info from the order object.
		$payment = OrderHelper::get_payment( $order );

		// payment info
		if ( SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-account-number' ) && ! SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-payment-token' ) ) {

			// common attributes
			$payment->account_number = str_replace( array( ' ', '-' ), '', SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-account-number' ) );
			$payment->last_four = substr( $payment->account_number, -4 );

			if ( $this->is_credit_card_gateway() ) {

				// credit card specific attributes
				$payment->card_type      = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-card-type' );
				$payment->exp_month      = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-exp-month' );
				$payment->exp_year       = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-exp-year' );

				// add card type for gateways that don't require it displayed at checkout
				if ( empty( $payment->card_type ) ) {
					$payment->card_type = SV_WC_Payment_Gateway_Helper::card_type_from_account_number( $payment->account_number );
				}

				// handle single expiry field formatted like "MM / YY" or "MM / YYYY"
				if ( SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-expiry' ) ) {
					[ $payment->exp_month, $payment->exp_year ] = array_map( 'trim', explode( '/', SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-expiry' ) ) );
				}

				// add CSC if enabled
				if ( $this->csc_enabled() ) {
					$payment->csc = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-csc' );
				}

			} elseif ( $this->is_echeck_gateway() ) {

				// echeck specific attributes
				$payment->routing_number         = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-routing-number' );
				$payment->account_type           = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-account-type' );
				$payment->check_number           = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-check-number' );
				$payment->drivers_license_number = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-drivers-license-number' );
				$payment->drivers_license_state  = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-drivers-license-state' );

			}

		} elseif ( $token_value = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-payment-token' ) ) {

			// paying with tokenized payment method (we've already verified that this token exists in the validate_fields method)
			$token = $this->get_payment_tokens_handler()->get_token( $order->get_user_id(), $token_value );

			$payment->token          = $token->get_id();
			$payment->account_number = $token->get_last_four();
			$payment->last_four      = $token->get_last_four();

			if ( $this->is_credit_card_gateway() ) {

				// credit card specific attributes
				$payment->card_type = $token->get_card_type();
				$payment->exp_month = $token->get_exp_month();
				$payment->exp_year  = $token->get_exp_year();

				if ( $this->csc_enabled_for_tokens() ) {
					$payment->csc = SV_WC_Helper::get_posted_value( 'wc-' . $this->get_id_dasherized() . '-csc' );
				}

			} elseif ( $this->is_echeck_gateway() ) {

				// echeck specific attributes
				$payment->account_type = $token->get_account_type();
			}

			// make this the new default payment token
			$this->get_payment_tokens_handler()->set_default_token( $order->get_user_id(), $token );
		}

		// standardize expiration date year to 2 digits
		if ( ! empty( $payment->exp_year ) && 4 === strlen( $payment->exp_year ) ) {
			$payment->exp_year = substr( $payment->exp_year, 2 );
		}

		// Set payment info on the order object.
		OrderHelper::set_payment( $order, $payment );

		/**
		 * Direct Gateway Get Order Filter.
		 *
		 * Allow actors to modify the order object.
		 *
		 * @since 1.0.0
		 * @param \WC_Order $order order object
		 * @param SV_WC_Payment_Gateway_Direct $this instance
		 */
		return apply_filters( 'wc_payment_gateway_' . $this->get_id() . '_get_order', $order, $this );
	}


	/**
	 * Performs a check transaction for the given order and returns the result.
	 *
	 * @since 1.0.0
	 *
	 * @param \WC_Order $order the order object
	 * @param SV_WC_Payment_Gateway_API_Response $response optional check transaction response
	 * @return SV_WC_Payment_Gateway_API_Response the response
	 * @throws SV_WC_Plugin_Exception network timeouts, etc
	 */
	protected function do_check_transaction( $order, $response = null ) {

		if ( is_null( $response ) ) {
			$response = $this->get_api()->check_debit( $order );
		}

		// success! update order record
		if ( $response->transaction_approved() ) {

			$last_four = substr( Dynamic_Props::get( $order, 'payment', 'account_number', '' ), -4 );

			// check order note. there may not be an account_type available, but that's fine
			/* translators: Placeholders: %1$s - Payment method title, %2$s - Payment account type (savings/checking) (may or may not be available), %3$s - Last four digits of the account */
			$message = sprintf( esc_html__( '%1$s Check Transaction Approved: %2$s account ending in %3$s', 'woocommerce-plugin-framework' ), $this->get_method_title(), Dynamic_Props::get( $order, 'payment', 'account_type' ), $last_four );

			// optional check number
			if ( ! empty( Dynamic_Props::get( $order, 'payment', 'check_number' ) ) ) {
				/* translators: Placeholder: %s - Bank check number */
				$message .= '. ' . sprintf( esc_html__( 'Check number %s', 'woocommerce-plugin-framework' ), Dynamic_Props::get( $order, 'payment', 'check_number' ) );
			}

			// adds the transaction id (if any) to the order note
			if ( $response->get_transaction_id() ) {
				/* translators: Placeholder: %s - Payment transaction ID */
				$message .= ' ' . sprintf( esc_html__( '(Transaction ID %s)', 'woocommerce-plugin-framework' ), $response->get_transaction_id() );
			}

			/**
			 * Direct Gateway eCheck Transaction Approved Order Note Filter.
			 *
			 * Allow actors to modify the order note added when an eCheck transaction
			 * is approved.
			 *
			 * @since 4.1.0
			 *
			 * @param string $message order note
			 * @param \WC_Order $order order object
			 * @param SV_WC_Payment_Gateway_API_Response $response transaction response
			 * @param SV_WC_Payment_Gateway_Direct $this instance
			 */
			$message = apply_filters( 'wc_payment_gateway_' . $this->get_id() . '_check_transaction_approved_order_note', $message, $order, $response, $this );

			$order->add_order_note( $message );

		}

		return $response;

	}


	/**
	 * Performs a credit card transaction for the given order and returns the result.
	 *
	 * @since 1.0.0
	 *
	 * @param \WC_Order $order the order object
	 * @param SV_WC_Payment_Gateway_API_Response $response optional credit card transaction response
	 * @return SV_WC_Payment_Gateway_API_Response the response
	 * @throws SV_WC_Plugin_Exception network timeouts, etc
	 */
	protected function do_credit_card_transaction( $order, $response = null ) {

		if ( is_null( $response ) ) {
			if ( $this->perform_credit_card_charge( $order ) ) {
				$response = $this->get_api()->credit_card_charge( $order );
			} else {
				$response = $this->get_api()->credit_card_authorization( $order );
			}
		}

		// success! update order record
		if ( $response->transaction_approved() ) {

			$account_number = ! empty( Dynamic_Props::get( $order, 'payment', 'account_number' ) ) ? Dynamic_Props::get( $order, 'payment', 'account_number' ) : null;
			$last_four = $account_number ? substr( $account_number, -4 ) : '';

			// use direct card type if set, or try to guess it from card number
			if ( ! empty( Dynamic_Props::get( $order, 'payment', 'card_type' ) ) ) {
				$card_type = Dynamic_Props::get( $order, 'payment', 'card_type' );
			} elseif ( $first_four = $account_number ? substr( $account_number, 0, 4 ) : '' ) {
				$card_type = SV_WC_Payment_Gateway_Helper::card_type_from_account_number( $first_four );
			} else {
				$card_type = 'card';
			}

			// credit card order note
			if ( $account_number ) {
				$message = sprintf(
					/* translators: Example: "Braintree Test Authorization Approved: Mastercard ending in 1234". Placeholders: %1$s - payment method title, %2$s - environment ("Test"), %3$s - transaction type (authorization/charge), %4$s - card type (mastercard, visa, ...), %5$s - last four digits of the card */
					esc_html__( '%1$s %2$s %3$s Approved: %4$s ending in %5$s', 'woocommerce-plugin-framework' ),
					$this->get_method_title(),
					$this->is_test_environment() ? esc_html_x( 'Test', 'Noun, software environment', 'woocommerce-plugin-framework' ) : '',
					$this->perform_credit_card_authorization( $order ) ? esc_html_x( 'Authorization', 'Credit card transaction type', 'woocommerce-plugin-framework' ) : esc_html_x( 'Charge', 'noun, credit card transaction type', 'woocommerce-plugin-framework' ),
					SV_WC_Payment_Gateway_Helper::payment_type_to_name( $card_type ),
					$last_four
				);
			} else {
				$message = sprintf(
					/* translators: Example: "Authorize.Net Test Charge Approved: Mastercard" - Placeholders: %1$s - payment method title, %2$s - environment ("Test"), %3$s - transaction type (authorization/charge), %4$s - card type (mastercard, visa, ...) */
					esc_html__( '%1$s %2$s %3$s Approved: %4$s', 'woocommerce-plugin-framework' ),
					$this->get_method_title(),
					$this->is_test_environment() ? esc_html_x( 'Test', 'Noun, software environment', 'woocommerce-plugin-framework' ) : '',
					$this->perform_credit_card_authorization( $order ) ? esc_html_x( 'Authorization', 'Credit card transaction type', 'woocommerce-plugin-framework' ) : esc_html_x( 'Charge', 'noun, credit card transaction type', 'woocommerce-plugin-framework' ),
					SV_WC_Payment_Gateway_Helper::payment_type_to_name( $card_type )
				);
			}

			// add the expiry date if it is available
			if ( ! empty( Dynamic_Props::get( $order, 'payment', 'exp_month' ) ) && ! empty( Dynamic_Props::get( $order, 'payment', 'exp_year' ) ) ) {

				$message .= ' ' . sprintf(
					/* translators: Placeholder: %s - Credit card expiry date */
					__( '(expires %s)', 'woocommerce-plugin-framework' ),
					Dynamic_Props::get( $order, 'payment', 'exp_month', '' ) . '/' . substr( Dynamic_Props::get( $order, 'payment', 'exp_year', '' ), -2 )
				);
			}

			// adds the transaction id (if any) to the order note
			if ( $response->get_transaction_id() ) {
				/* translators: Placeholder: %s - Payment transaction ID */
				$message .= ' ' . sprintf( esc_html__( '(Transaction ID %s)', 'woocommerce-plugin-framework' ), $response->get_transaction_id() );
			}

			/**
			 * Direct Gateway Credit Card Transaction Approved Order Note Filter.
			 *
			 * Allow actors to modify the order note added when a Credit Card transaction
			 * is approved.
			 *
			 * @since 4.1.0
			 *
			 * @param string $message order note
			 * @param \WC_Order $order order object
			 * @param SV_WC_Payment_Gateway_API_Response $response transaction response
			 * @param SV_WC_Payment_Gateway_Direct $this instance
			 */
			$message = apply_filters( 'wc_payment_gateway_' . $this->get_id() . '_credit_card_transaction_approved_order_note', $message, $order, $response, $this );

			$order->add_order_note( $message );

		}

		return $response;
	}


	/**
	 * Create a transaction.
	 *
	 * @since 1.0.0
	 *
	 * @param \WC_Order $order the order object
	 * @return bool
	 * @throws SV_WC_Plugin_Exception
	 */
	protected function do_transaction( $order ) {

		// perform the credit card or check transaction
		if ( $this->is_credit_card_gateway() ) {
			$response = $this->do_credit_card_transaction( $order );
		} elseif ( $this->is_echeck_gateway() ) {
			$response = $this->do_check_transaction( $order );
		} else {
			$do_payment_type_transaction = 'do_' . $this->get_payment_type() . '_transaction';
			$response = $this->$do_payment_type_transaction( $order );
		}

		// handle the response
		if ( $response->transaction_approved() || $response->transaction_held() ) {

			if ( $this->should_tokenize_with_or_after_sale( $order ) ) {

				try {
					$order = $this->get_payment_tokens_handler()->create_token( $order, $response );
				} catch ( SV_WC_Plugin_Exception $e ) {

					// handle the case of a "tokenize-after-sale" request failing by marking the order as on-hold with an explanatory note
					if ( ! $response->transaction_held() && ! ( $this->supports( self::FEATURE_CREDIT_CARD_AUTHORIZATION ) && $this->perform_credit_card_authorization( $order ) ) ) {

						// transaction has already been successful, but we've encountered an issue with the post-tokenization, add an order note to that effect and continue on
						$message = sprintf(
							/* translators: Placeholders: %s - failure message */
							esc_html__( 'Tokenization Request Failed: %s', 'woocommerce-plugin-framework' ),
							$e->getMessage()
						);

						$this->mark_order_as_held( $order, $message, $response );

					} else {

						// transaction has already been successful, but we've encountered an issue with the post-tokenization, add an order note to that effect and continue on
						$message = sprintf(
							/* translators: Placeholders: %1$s - payment method title, %2$s - failure message */
							esc_html__( '%1$s Tokenization Request Failed: %2$s', 'woocommerce-plugin-framework' ),
							$this->get_method_title(),
							$e->getMessage()
						);

						$order->add_order_note( $message );
					}
				}
			}

			// add the standard transaction data
			$this->add_transaction_data( $order, $response );

			// allow the concrete class to add any gateway-specific transaction data to the order
			$this->add_payment_gateway_transaction_data( $order, $response );

			// if the transaction was held (ie fraud validation failure) mark it as such
			// TODO: consider checking whether the response *was* an authorization, rather than blanket-assuming it was because of the settings.  There are times when an auth will be used rather than charge, ie when performing in-plugin AVS handling (moneris)
			if ( $response->transaction_held() || ( $this->supports( self::FEATURE_CREDIT_CARD_AUTHORIZATION ) && $this->perform_credit_card_authorization( $order ) ) ) {
				// TODO: need to make this more flexible, and not force the message to 'Authorization only transaction' for auth transactions (re moneris efraud handling)
				/* translators: This is a message describing that the transaction in question only performed a credit card authorization and did not capture any funds. */
				$this->mark_order_as_held( $order, $this->supports( self::FEATURE_CREDIT_CARD_AUTHORIZATION ) && $this->perform_credit_card_authorization( $order ) ? esc_html__( 'Authorization only transaction', 'woocommerce-plugin-framework' ) : $response->get_status_message(), $response );
			}

			return true;

		} else { // failure

			return $this->do_transaction_failed_result( $order, $response );

		}
	}


	/** Add Payment Method feature ********************************************/


	/**
	 * Entry method for the Add Payment Method feature flow. Note this is *not*
	 * stubbed in the WC_Payment_Gateway abstract class, but is called if the
	 * gateway declares support for it.
	 *
	 * @since 4.0.0
	 */
	public function add_payment_method() {

		$this->get_plugin()->assert( $this->supports_add_payment_method() );

		$order = $this->get_order_for_add_payment_method();

		try {

			$result = $this->do_add_payment_method_transaction( $order );

		} catch ( SV_WC_Plugin_Exception $e ) {

			$result = array(
				/* translators: Placeholders: %s - failure message. Payment method as in a specific credit card, e-check or bank account */
				'message' => sprintf( esc_html__( 'Oops, adding your new payment method failed: %s', 'woocommerce-plugin-framework' ), $e->getMessage() ),
				'success' => false,
			);
		}

		SV_WC_Helper::wc_add_notice( $result['message'], $result['success'] ? 'success' : 'error' );

		if ( $result['success'] ) {
			$redirect_url = wc_get_account_endpoint_url( 'payment-methods' );
		} else {
			$redirect_url = wc_get_endpoint_url( 'add-payment-method' );
		}

		wp_safe_redirect( $redirect_url );
		exit();
	}


	/**
	 * Performs the transaction to add the customer's payment method to their account.
	 *
	 * @since 4.0.0
	 *
	 * @param \WC_Order $order order object
	 * @param SV_WC_Payment_Gateway_API_Create_Payment_Token_Response $response optional payment token transaction response
	 * @return array result with success/error message and request status (success/failure)
	 * @throws SV_WC_Plugin_Exception
	 */
	protected function do_add_payment_method_transaction( \WC_Order $order, ?SV_WC_Payment_Gateway_API_Create_Payment_Token_Response $response = null ) {

		if ( is_null( $response ) ) {
			$response = $this->get_api()->tokenize_payment_method( $order );
		}

		if ( $response->transaction_approved() ) {

			$token = $response->get_payment_token();

			// set the token to the user account
			$this->get_payment_tokens_handler()->add_token( $order->get_user_id(), $token );

			// order note based on gateway type
			if ( $this->is_credit_card_gateway() ) {

				/* translators: Payment method as in a specific credit card. Placeholders: %1$s - card type (visa, mastercard, ...), %2$s - last four digits of the card, %3$s - card expiry date */
				$message = sprintf( esc_html__( 'Nice! New payment method added: %1$s ending in %2$s (expires %3$s)', 'woocommerce-plugin-framework' ),
					$token->get_type_full(),
					$token->get_last_four(),
					$token->get_exp_date()
				);

			} elseif ( $this->is_echeck_gateway() ) {

				// account type (checking/savings) may or may not be available, which is fine
				/* translators: Payment method as in a specific e-check account. Placeholders: %1$s - account type (checking/savings), %2$s - last four digits of the account */
				$message = sprintf( esc_html__( 'Nice! New payment method added: %1$s account ending in %2$s', 'woocommerce-plugin-framework' ),
					$token->get_account_type(),
					$token->get_last_four()
				);

			} else {
				/* translators: Payment method as in a specific credit card, e-check or bank account */
				$message = esc_html__( 'Nice! New payment method added.', 'woocommerce-plugin-framework' );
			}

			// add transaction data to user meta
			$this->add_add_payment_method_transaction_data( $response );

			// add customer data, primarily customer ID to user meta
			$this->add_add_payment_method_customer_data( $order, $response );

			/**
			 * Fires after a new payment method is added by a customer.
			 *
			 * @since 5.0.0
			 *
			 * @param string $token_id new token ID
			 * @param int $user_id user ID
			 * @param SV_WC_Payment_Gateway_API_Response $response API response object
			 */
			do_action( 'wc_payment_gateway_' . $this->get_id() . '_payment_method_added', $token->get_id(), $order->get_user_id(), $response );

			$result = array( 'message' => $message, 'success' => true );

		} else {

			if ( $response->get_status_code() && $response->get_status_message() ) {
				$message = sprintf( 'Status code %s: %s', $response->get_status_code(), $response->get_status_message() );
			} elseif ( $response->get_status_code() ) {
				$message = sprintf( 'Status code: %s', $response->get_status_code() );
			} elseif ( $response->get_status_message() ) {
				$message = sprintf( 'Status message: %s', $response->get_status_message() );
			} else {
				$message = 'Unknown Error';
			}

			$result = array( 'message' => $message, 'success' => false );
		}

		/**
		 * Add Payment Method Transaction Result Filter.
		 *
		 * Filter the result data from an add payment method transaction attempt -- this
		 * can be used to control the notice message displayed and whether the
		 * user is redirected back to the My Account page or remains on the add
		 * new payment method screen
		 *
		 * @since 4.0.0
		 * @param array $result {
		 *   @type string $message notice message to render
		 *   @type bool $success true to redirect to my account, false to stay on page
		 * }
		 * @param SV_WC_Payment_Gateway_API_Create_Payment_Token_Response $response instance
		 * @param \WC_Order $order order instance
		 * @param SV_WC_Payment_Gateway_Direct $this direct gateway instance
		 */
		return apply_filters( 'wc_payment_gateway_' . $this->get_id() . '_add_payment_method_transaction_result', $result, $response, $order, $this );
	}


	/**
	 * Creates the order required for adding a new payment method.
	 *
	 * Note that a mock order is generated as there is no actual order associated with the request.
	 *
	 * @since 4.0.0
	 *
	 * @return \WC_Order generated order object
	 */
	protected function get_order_for_add_payment_method() {

		// mock order, as all gateway API implementations require an order object for tokenization
		$order = new \WC_Order( 0 );
		$order = $this->get_order( $order );

		$user = get_userdata( get_current_user_id() );

		$properties = [
			'currency'    => get_woocommerce_currency(), // default to base store currency
			'customer_id' => $user->ID,
		];

		$defaults = [

			// billing
			'billing_first_name' => '',
			'billing_last_name'  => '',
			'billing_company'    => '',
			'billing_address_1'  => '',
			'billing_address_2'  => '',
			'billing_city'       => '',
			'billing_postcode'   => '',
			'billing_state'      => '',
			'billing_country'    => '',
			'billing_phone'      => '',
			'billing_email'      => $user->user_email,

			// shipping
			'shipping_first_name' => '',
			'shipping_last_name'  => '',
			'shipping_company'    => '',
			'shipping_address_1'  => '',
			'shipping_address_2'  => '',
			'shipping_city'       => '',
			'shipping_postcode'   => '',
			'shipping_state'      => '',
			'shipping_country'    => '',

		];

		foreach ( $defaults as $prop => $value ) {

			$value = ! empty( $user->$prop ) ? $user->$prop : $value;

			if ( ! empty( $value ) ) {
				$properties[ $prop ] = $value;
			}
		}

		$order->set_props( $properties );

		// other default info
		OrderHelper::set_customer_id( $order, $this->get_customer_id( $order->get_user_id() ) );

		/* translators: Placeholders: %1$s - site title, %2$s - customer email. Payment method as in a specific credit card, e-check or bank account */
		$description = sprintf( esc_html__( '%1$s - Add Payment Method for %2$s', 'woocommerce-plugin-framework' ), sanitize_text_field( SV_WC_Helper::get_site_name() ), $properties['billing_email'] );
		Dynamic_Props::set( $order, 'description', $description );

		// force zero amount
		OrderHelper::set_payment_total( $order, '0.00' );

		/**
		 * Direct Gateway Get Order for Add Payment Method Filter.
		 *
		 * Allow actors to modify the order object used for an add payment method transaction.
		 *
		 * @since 4.0.0
		 *
		 * @param \WC_Order $order order object
		 * @param SV_WC_Payment_Gateway_Direct $this instance
		 */
		return apply_filters( 'wc_payment_gateway_' . $this->get_id() . '_get_order_for_add_payment_method', $order, $this );
	}


	/**
	 * Add customer data as part of the add payment method transaction, primarily
	 * customer ID
	 *
	 * @since 4.0.0
	 * @param \WC_Order $order mock order
	 * @param SV_WC_Payment_Gateway_API_Create_Payment_Token_Response $response
	 */
	protected function add_add_payment_method_customer_data( $order, $response ) {

		$user_id = $order->get_user_id();

		// set customer ID from response if available
		if ( $this->supports_customer_id() && method_exists( $response, 'get_customer_id' ) && $response->get_customer_id() ) {

			OrderHelper::set_customer_id( $order, $customer_id = $response->get_customer_id() );

		} else {

			// default to the customer ID on "order"
			$customer_id = OrderHelper::get_customer_id( $order );
		}

		// update the user
		if ( 0 != $user_id ) {
			$this->update_customer_id( $user_id, $customer_id );
		}
	}


	/**
	 * Adds data from the add payment method transaction, primarily:
	 *
	 * + transaction ID
	 * + transaction date
	 * + transaction environment
	 *
	 * @since 4.0.0
	 *
	 * @param SV_WC_Payment_Gateway_API_Create_Payment_Token_Response $response
	 */
	protected function add_add_payment_method_transaction_data( $response ) {

		$user_meta_key = '_wc_' . $this->get_id() . '_add_payment_method_transaction_data';

		$data = (array) get_user_meta( get_current_user_id(), $user_meta_key, true );

		$new_data = array(
			'trans_id'    => $response->get_transaction_id() ? $response->get_transaction_id() : null,
			'trans_date'  => current_time( 'mysql' ),
			'environment' => $this->get_environment(),
		);

		$data[] = array_merge( $new_data, $this->get_add_payment_method_payment_gateway_transaction_data( $response ) );

		// only keep the 5 most recent transactions
		if ( count( $data ) > 5 ) {
			array_shift( $data );
		}

		update_user_meta( get_current_user_id(), $user_meta_key, array_filter( $data ) );
	}


	/**
	 * Allow gateway implementations to add additional data to the data saved
	 * during the add payment method transaction
	 *
	 * @since 4.0.0
	 * @param SV_WC_Payment_Gateway_API_Create_Payment_Token_Response $response create payment token response
	 * @return array
	 */
	protected function get_add_payment_method_payment_gateway_transaction_data( $response ) {

		// stub method
		return array();
	}


	/** Getters ******************************************************/


	/**
	 * Returns true if this is a direct type gateway
	 *
	 * @since 1.0.0
	 * @return boolean if this is a direct payment gateway
	 */
	public function is_direct_gateway() {
		return true;
	}


	/**
	 * Returns true if a transaction should be forced (meaning payment
	 * processed even if the order amount is 0).  This is useful mostly for
	 * testing situations
	 *
	 * @since 2.2.0
	 * @return boolean true if the transaction request should be forced
	 */
	public function transaction_forced() {

		return false;
	}


	/**
	 * Determines whether tokenization should be performed before the sale.
	 *
	 * Most gateways should always tokenize before the sale if the order total is 0.00 (such as a free trial), because
	 * they don't allow 0.00 transactions (but do allow tokenizing without a transaction).
	 *
	 * Gateways that don't support tokenization before the sale (without a transaction) should override this method to
	 * return false, even if order total is 0.00. Note that when doing, so the gateway should also override
	 * `can_tokenize_with_or_after_sale()` to return true.
	 *
	 * Finally, gateways that only tokenize with sale (Moneris), may need to override `should_skip_transaction()` to return false.
	 *
	 * @see SV_WC_Payment_Gateway_Direct::should_tokenize_with_or_after_sale()
	 * @see SV_WC_Payment_Gateway_Direct::can_tokenize_with_or_after_sale()
	 * @see SV_WC_Payment_Gateway_Direct::should_skip_transaction()
	 *
	 * @since 5.11.10
	 *
	 * @param \WC_Order $order the order being paid for.
	 * @return bool
	 */
	protected function should_tokenize_before_sale( \WC_Order $order ): bool {

		$result = $this->get_payment_tokens_handler()->should_tokenize() && ( '0.00' === OrderHelper::get_payment_total( $order ) || $this->tokenize_before_sale() );

		/**
		 * Filters whether tokenization should be performed before the sale, for a given order.
		 *
		 * @see SV_WC_Payment_Gateway_Direct::should_tokenize_before_sale()
		 *
		 * @since 5.11.10
		 *
		 * @param bool $result
		 * @param \WC_Order $order the order being paid for
		 * @param SV_WC_Payment_Gateway_Direct $gateway the gateway instance
		 * @return bool
		 */
		return apply_filters(
			"wc_payment_gateway_{$this->get_id()}_should_tokenize_before_sale",
			$result,
			$order,
			$this
		);
	}

	/**
	 * Determines whether tokenization should be performed after the sale.
	 *
	 * Performs checks to ensure that the gateway supports tokenization, that the order is not a guest order,
	 * that the gateway supports tokenization after the sale, and that the gateway is configured to tokenize after the sale.
	 *
	 * @see SV_WC_Payment_Gateway_Direct::should_tokenize_before_sale()
	 *
	 * @since 5.11.10
	 *
	 * @param \WC_Order $order the order that was paid for.
	 * @return bool
	 */
	protected function should_tokenize_with_or_after_sale( \WC_Order $order ): bool {

		$result = $this->supports_tokenization() &&
		       0 !== (int) $order->get_user_id() &&
		       $this->get_payment_tokens_handler()->should_tokenize() &&
		       ( $this->tokenize_with_sale() || $this->tokenize_after_sale() ) &&
		       $this->can_tokenize_with_or_after_sale( $order );

		/**
		 * Filters whether tokenization should be performed with or after the sale, for a given order.
		 *
		 * @see SV_WC_Payment_Gateway_Direct::should_tokenize_with_or_after_sale()
		 *
		 * @since 5.11.10
		 *
		 * @param bool $result
		 * @param \WC_Order $order the order being paid for
		 * @param SV_WC_Payment_Gateway_Direct $gateway the gateway instance
		 * @return bool
		 */
		return apply_filters(
			"wc_payment_gateway_{$this->get_id()}_should_tokenize_with_or_after_sale",
			$result,
			$order,
			$this
		);
	}

	/**
	 * Determines whether the gateway can tokenize after the sale of a concrete order.
	 *
	 * Most gateways can tokenize after the sale only if the payment total is greater than 0. If the payment total is 0.00,
	 * then most gateways should tokenize before the sale. However, if a gateway only supports tokenization with or after sale,
	 * then this method should return true.
	 *
	 * @since 5.11.10
	 *
	 * @param \WC_Order $order the order that was paid for.
	 * @return bool
	 */
	protected function can_tokenize_with_or_after_sale( \WC_Order $order ): bool {

		/**
		 * Filters whether the gateway can tokenize a payment method after the sale of a concrete order.
		 *
		 * @see SV_WC_Payment_Gateway_Direct::should_tokenize_with_or_after_sale()
		 *
		 * @since 5.11.10
		 *
		 * @param bool $result
		 * @param \WC_Order $order the order being paid for
		 * @param SV_WC_Payment_Gateway_Direct $gateway the gateway instance
		 * @return bool
		 */
		return apply_filters(
			"wc_payment_gateway_{$this->get_id()}_can_tokenize_with_or_after_sale",
			OrderHelper::get_payment_total( $order ) > 0,
			$order,
			$this
		);
	}

	/**
	 * Determines whether the transaction should be skipped when processing payment for an order.
	 *
	 * Most gateways should skip the transaction if the order total is 0.00 (such as a free trial), because they don't
	 * support 0.00 transactions. If a new payment method was used, and tokenization was enabled, then the gateway
	 * most likely tokenized the method before the sale.
	 *
	 * Gateways that only support tokenization with sale (in the same request), should override this method to return true.
	 *
	 * @since 5.11.10
	 *
	 * @param \WC_Order $order the order being paid for.
	 * @return bool
	 */
	protected function should_skip_transaction( \WC_Order $order ): bool {

		/**
		 * Filters whether the transaction should be skipped when processing payment for an order.
		 *
		 * @see SV_WC_Payment_Gateway_Direct::should_tokenize_before_sale()
		 *
		 * @since 5.11.10
		 *
		 * @param bool $result
		 * @param \WC_Order $order the order being paid for
		 * @param SV_WC_Payment_Gateway_Direct $gateway the gateway instance
		 * @return bool
		 */
		return apply_filters(
			"wc_payment_gateway_{$this->get_id()}_should_skip_transaction",
			// the order amount will be $0 if a WooCommerce Subscriptions free trial product is being processed
			( '0.00' === OrderHelper::get_payment_total( $order ) && ! $this->transaction_forced() ),
			$order,
			$this
		);
	}


}


endif;
