stripe = $stripe; } /** * Authorize a bank account - requires microdeposit verification */ public function authorizeView(array $data) { $data['gateway'] = $this->stripe; return render('gateways.stripe.ach.authorize', array_merge($data)); } public function authorizeResponse(Request $request) { $this->stripe->init(); $stripe_response = json_decode($request->input('gateway_response')); $customer = $this->stripe->findOrCreateCustomer(); try { $source = Customer::createSource($customer->id, ['source' => $stripe_response->token->id], array_merge($this->stripe->stripe_connect_auth, ['idempotency_key' => uniqid("st", true)])); } catch (InvalidRequestException $e) { throw new PaymentFailed($e->getMessage(), $e->getCode()); } $client_gateway_token = $this->storePaymentMethod($source, $request->input('method'), $customer); $verification = route('client.payment_methods.verification', ['payment_method' => $client_gateway_token->hashed_id, 'method' => GatewayType::BANK_TRANSFER], false); $mailer = new NinjaMailerObject(); $mailer->mailable = new ACHVerificationNotification( auth()->guard('contact')->user()->client->company, route('client.contact_login', ['contact_key' => auth()->guard('contact')->user()->contact_key, 'next' => $verification]) ); $mailer->company = auth()->guard('contact')->user()->client->company; $mailer->settings = auth()->guard('contact')->user()->client->company->settings; $mailer->to_user = auth()->guard('contact')->user(); NinjaMailerJob::dispatch($mailer); return redirect()->route('client.payment_methods.verification', ['payment_method' => $client_gateway_token->hashed_id, 'method' => GatewayType::BANK_TRANSFER]); } public function updateBankAccount(array $event) { $stripe_event = $event['data']['object']; $token = ClientGatewayToken::query()->where('token', $stripe_event['id']) ->where('gateway_customer_reference', $stripe_event['customer']) ->first(); if ($token && isset($stripe_event['object']) && $stripe_event['object'] == 'bank_account' && isset($stripe_event['status']) && $stripe_event['status'] == 'verified') { $meta = $token->meta; $meta->state = 'authorized'; $token->meta = $meta; $token->save(); } } public function verificationView(ClientGatewayToken $token) { if (isset($token->meta->state) && $token->meta->state === 'authorized') { return redirect() ->route('client.payment_methods.show', $token->hashed_id) ->with('message', __('texts.payment_method_verified')); } //double check here if we need to show the verification view. $this->stripe->init(); $bank_account = Customer::retrieveSource($token->gateway_customer_reference, $token->token, [], $this->stripe->stripe_connect_auth); /* Catch externally validated bank accounts and mark them as verified */ if (isset($bank_account->status) && $bank_account->status == 'verified') { $meta = $token->meta; $meta->state = 'authorized'; $token->meta = $meta; $token->save(); return redirect() ->route('client.payment_methods.show', $token->hashed_id) ->with('message', __('texts.payment_method_verified')); } $data = [ 'token' => $token, 'gateway' => $this->stripe, ]; return render('gateways.stripe.ach.verify', $data); } public function processVerification(Request $request, ClientGatewayToken $token) { $request->validate([ 'transactions.*' => ['integer', 'min:1'], ]); if (isset($token->meta->state) && $token->meta->state === 'authorized') { return redirect() ->route('client.payment_methods.show', $token->hashed_id) ->with('message', __('texts.payment_method_verified')); } $this->stripe->init(); $bank_account = Customer::retrieveSource($request->customer, $request->source, [], $this->stripe->stripe_connect_auth); try { $bank_account->verify(['amounts' => request()->transactions]); $meta = $token->meta; $meta->state = 'authorized'; $token->meta = $meta; $token->save(); return redirect() ->route('client.payment_methods.show', $token->hashed_id) ->with('message', __('texts.payment_method_verified')); } catch (CardException $e) { return back()->with('error', $e->getMessage()); } } /** * Make a payment WITH instant verification. */ public function paymentView(array $data) { $data['gateway'] = $this->stripe; $data['currency'] = $this->stripe->client->getCurrencyCode(); $data['payment_method_id'] = GatewayType::BANK_TRANSFER; $data['customer'] = $this->stripe->findOrCreateCustomer(); $data['amount'] = $this->stripe->convertToStripeAmount($data['total']['amount_with_fee'], $this->stripe->client->currency()->precision, $this->stripe->client->currency()); $description = $this->stripe->getDescription(false); $intent = false; if (count($data['tokens']) == 1) { $token = $data['tokens'][0]; $meta = $token->meta; if(isset($meta->state) && $meta->state == 'unauthorized') return redirect()->route('client.payment_methods.show', $token->hashed_id); } if (count($data['tokens']) == 0) { $intent = $this->stripe->createPaymentIntent( [ 'amount' => $data['amount'], 'currency' => $data['currency'], 'setup_future_usage' => 'off_session', 'customer' => $data['customer']->id, 'payment_method_types' => ['us_bank_account'], 'description' => $description, 'metadata' => [ 'payment_hash' => $this->stripe->payment_hash->hash, 'gateway_type_id' => GatewayType::BANK_TRANSFER, ], 'statement_descriptor' => $this->stripe->getStatementDescriptor(), ] ); } $data['client_secret'] = $intent ? $intent->client_secret : false; return render('gateways.stripe.ach.pay', $data); } public function tokenBilling(ClientGatewayToken $cgt, PaymentHash $payment_hash) { $amount = array_sum(array_column($payment_hash->invoices(), 'amount')) + $payment_hash->fee_total; $description = $this->stripe->getDescription(false); if (substr($cgt->token, 0, 2) === 'pm') { return $this->paymentIntentTokenBilling($amount, $description, $cgt, false); } $this->stripe->init(); $response = null; try { $state = [ 'gateway_type_id' => GatewayType::BANK_TRANSFER, 'amount' => $this->stripe->convertToStripeAmount($amount, $this->stripe->client->currency()->precision, $this->stripe->client->currency()), 'currency' => $this->stripe->client->getCurrencyCode(), 'customer' => $cgt->gateway_customer_reference, 'source' => $cgt->token, ]; $state['charge'] = \Stripe\Charge::create([ 'amount' => $state['amount'], 'currency' => $state['currency'], 'customer' => $state['customer'], 'source' => $state['source'], 'description' => $description, ], $this->stripe->stripe_connect_auth); $payment_hash->data = array_merge((array) $payment_hash->data, $state); $payment_hash->save(); if ($state['charge']->status === 'pending' && is_null($state['charge']->failure_message)) { return $this->processPendingPayment($state, false); } return $this->processUnsuccessfulPayment($state); } catch (Exception $e) { if ($e instanceof CardException) { return redirect()->route('client.payment_methods.verification', ['payment_method' => $cgt->hashed_id, 'method' => GatewayType::BANK_TRANSFER]); } throw new PaymentFailed($e->getMessage(), $e->getCode()); } } public function paymentIntentTokenBilling($amount, $description, $cgt, $client_present = true) { $this->stripe->init(); $response = false; try { $data = [ 'amount' => $this->stripe->convertToStripeAmount($amount, $this->stripe->client->currency()->precision, $this->stripe->client->currency()), 'currency' => $this->stripe->client->getCurrencyCode(), 'payment_method' => $cgt->token, 'customer' => $cgt->gateway_customer_reference, 'confirm' => true, 'description' => $description, 'metadata' => [ 'payment_hash' => $this->stripe->payment_hash->hash, 'gateway_type_id' => $cgt->gateway_type_id, ], 'statement_descriptor' => $this->stripe->getStatementDescriptor(), ]; if ($cgt->gateway_type_id == GatewayType::BANK_TRANSFER) { $data['payment_method_types'] = ['us_bank_account']; } $response = $this->stripe->createPaymentIntent($data); SystemLogger::dispatch($response, SystemLog::CATEGORY_GATEWAY_RESPONSE, SystemLog::EVENT_GATEWAY_SUCCESS, SystemLog::TYPE_STRIPE, $this->stripe->client, $this->stripe->client->company); } catch (\Exception $e) { $data = [ 'status' => '', 'error_type' => '', 'error_code' => '', 'param' => '', 'message' => '', ]; switch ($e) { case $e instanceof CardException: /** @var CardException $e */ $data['status'] = $e->getHttpStatus(); $data['error_type'] = $e->getError()->type; $data['error_code'] = $e->getError()->code; $data['param'] = $e->getError()->param; $data['message'] = $e->getError()->message; break; case $e instanceof RateLimitException: $data['message'] = 'Too many requests made to the API too quickly'; break; case $e instanceof InvalidRequestException: $data['message'] = 'Invalid parameters were supplied to Stripe\'s API'; break; case $e instanceof AuthenticationException: $data['message'] = 'Authentication with Stripe\'s API failed'; break; case $e instanceof ApiErrorException: $data['message'] = 'Network communication with Stripe failed'; break; default: $data['message'] = $e->getMessage(); break; } $this->stripe->processInternallyFailedPayment($this->stripe, $e); SystemLogger::dispatch($data, SystemLog::CATEGORY_GATEWAY_RESPONSE, SystemLog::EVENT_GATEWAY_FAILURE, SystemLog::TYPE_STRIPE, $this->stripe->client, $this->stripe->client->company); } if (! $response) { return false; } $payment_method_type = PaymentType::ACH; $data = [ 'gateway_type_id' => $cgt->gateway_type_id, 'payment_type' => PaymentType::ACH, 'transaction_reference' => isset($response->latest_charge) ? $response->latest_charge : $response->charges->data[0]->id, 'amount' => $amount, ]; $payment = $this->stripe->createPayment($data, Payment::STATUS_PENDING); $payment->meta = $cgt->meta; $payment->save(); $this->stripe->payment_hash->payment_id = $payment->id; $this->stripe->payment_hash->save(); if ($client_present) { return redirect()->route('client.payments.show', ['payment' => $this->stripe->encodePrimaryKey($payment->id)]); } return $payment; } public function handlePaymentIntentResponse($request) { $response = json_decode($request->gateway_response); $bank_account_response = json_decode($request->bank_account_response); if ($response->status == 'requires_source_action' && $response->next_action->type == 'verify_with_microdeposits') { $method = $bank_account_response->payment_method->us_bank_account; $method = $bank_account_response->payment_method->us_bank_account; $method->id = $response->payment_method; $method->state = 'unauthorized'; $method->next_action = $response->next_action->verify_with_microdeposits->hosted_verification_url; $customer = $this->stripe->getCustomer($request->customer); $cgt = $this->storePaymentMethod($method, GatewayType::BANK_TRANSFER, $customer); return redirect()->route('client.payment_methods.show', ['payment_method' => $cgt->hashed_id]); } $method = $bank_account_response->payment_method->us_bank_account; $method->id = $response->payment_method; $method->state = 'authorized'; $this->stripe->payment_hash = PaymentHash::where('hash', $request->input('payment_hash'))->first(); if ($response->id && $response->status === 'processing') { $payment_intent = PaymentIntent::retrieve($response->id, $this->stripe->stripe_connect_auth); $state = [ 'gateway_type_id' => GatewayType::BANK_TRANSFER, 'amount' => $response->amount, 'currency' => $response->currency, 'customer' => $request->customer, 'source' => $response->payment_method, 'charge' => $response, ]; $this->stripe->payment_hash->data = array_merge((array) $this->stripe->payment_hash->data, $state); $this->stripe->payment_hash->save(); $customer = $this->stripe->getCustomer($request->customer); $this->storePaymentMethod($method, GatewayType::BANK_TRANSFER, $customer); return $this->processPendingPayment($state, true); } if ($response->next_action) { } } public function processPendingPaymentIntent($state, $client_present = true) { $this->stripe->init(); $data = [ 'payment_method' => $state['source'], 'payment_type' => PaymentType::ACH, 'amount' => $state['amount'], 'transaction_reference' => $state['charge'], 'gateway_type_id' => GatewayType::BANK_TRANSFER, ]; $payment = $this->stripe->createPayment($data, Payment::STATUS_PENDING); SystemLogger::dispatch( ['response' => $state, 'data' => $data], SystemLog::CATEGORY_GATEWAY_RESPONSE, SystemLog::EVENT_GATEWAY_SUCCESS, SystemLog::TYPE_STRIPE, $this->stripe->client, $this->stripe->client->company, ); if (! $client_present) { return $payment; } return redirect()->route('client.payments.show', ['payment' => $this->stripe->encodePrimaryKey($payment->id)]); } public function paymentResponse($request) { $this->stripe->init(); //it may be a payment intent here. if ($request->input('client_secret') != '') { return $this->handlePaymentIntentResponse($request); } $source = ClientGatewayToken::query() ->where('id', $this->decodePrimaryKey($request->source)) ->where('company_id', auth()->guard('contact')->user()->client->company->id) ->first(); if (! $source) { throw new PaymentFailed(ctrans('texts.payment_token_not_found'), 401); } $state = [ 'payment_method' => $request->payment_method_id, 'gateway_type_id' => $request->company_gateway_id, 'amount' => $this->stripe->convertToStripeAmount($request->amount, $this->stripe->client->currency()->precision, $this->stripe->client->currency()), 'currency' => $request->currency, 'customer' => $request->customer, ]; $state = array_merge($state, $request->all()); $state['source'] = $source->token; $this->stripe->payment_hash->data = array_merge((array) $this->stripe->payment_hash->data, $state); $this->stripe->payment_hash->save(); $amount = array_sum(array_column($this->stripe->payment_hash->invoices(), 'amount')) + $this->stripe->payment_hash->fee_total; $description = $this->stripe->getDescription(false); if (substr($source->token, 0, 2) === 'pm') { return $this->paymentIntentTokenBilling($amount, $description, $source); } try { $state['charge'] = \Stripe\Charge::create([ 'amount' => $state['amount'], 'currency' => $state['currency'], 'customer' => $state['customer'], 'source' => $state['source'], 'description' => $description, ], $this->stripe->stripe_connect_auth); $state = array_merge($state, $request->all()); $this->stripe->payment_hash->data = array_merge((array) $this->stripe->payment_hash->data, $state); $this->stripe->payment_hash->save(); if ($state['charge']->status === 'pending' && is_null($state['charge']->failure_message)) { return $this->processPendingPayment($state); } return $this->processUnsuccessfulPayment($state); } catch (Exception $e) { if ($e instanceof CardException) { return redirect()->route('client.payment_methods.verification', ['payment_method' => $source->hashed_id, 'method' => GatewayType::BANK_TRANSFER]); } throw new PaymentFailed($e->getMessage(), $e->getCode()); } } public function processPendingPayment($state, $client_present = true) { $this->stripe->init(); $data = [ 'payment_method' => $state['source'], 'payment_type' => PaymentType::ACH, 'amount' => $this->stripe->convertFromStripeAmount($this->stripe->payment_hash->data->amount, $this->stripe->client->currency()->precision, $this->stripe->client->currency()), 'transaction_reference' => $state['charge']->id, 'gateway_type_id' => GatewayType::BANK_TRANSFER, ]; $payment = $this->stripe->createPayment($data, Payment::STATUS_PENDING); SystemLogger::dispatch( ['response' => $state['charge'], 'data' => $data], SystemLog::CATEGORY_GATEWAY_RESPONSE, SystemLog::EVENT_GATEWAY_SUCCESS, SystemLog::TYPE_STRIPE, $this->stripe->client, $this->stripe->client->company, ); if (! $client_present) { return $payment; } return redirect()->route('client.payments.show', ['payment' => $this->stripe->encodePrimaryKey($payment->id)]); } public function processUnsuccessfulPayment($state) { $this->stripe->sendFailureMail($state['charge']); $message = [ 'server_response' => $state['charge'], 'data' => $this->stripe->payment_hash->data, ]; SystemLogger::dispatch( $message, SystemLog::CATEGORY_GATEWAY_RESPONSE, SystemLog::EVENT_GATEWAY_FAILURE, SystemLog::TYPE_STRIPE, $this->stripe->client, $this->stripe->client->company, ); throw new PaymentFailed('Failed to process the payment.', 500); } private function storePaymentMethod($method, $payment_method_id, $customer) { $state = property_exists($method, 'state') ? $method->state : 'unauthorized'; try { $payment_meta = new \stdClass; $payment_meta->brand = (string) \sprintf('%s (%s)', $method->bank_name, ctrans('texts.ach')); $payment_meta->last4 = (string) $method->last4; $payment_meta->type = GatewayType::BANK_TRANSFER; $payment_meta->state = $state; if (property_exists($method, 'next_action')) { $payment_meta->next_action = $method->next_action; } $data = [ 'payment_meta' => $payment_meta, 'token' => $method->id, 'payment_method_id' => $payment_method_id, ]; /** * Ensure the method does not already exist!! */ $token = ClientGatewayToken::where([ 'gateway_customer_reference' => $customer->id, 'token' => $method->id, 'client_id' => $this->stripe->client->id, 'company_id' => $this->stripe->client->company_id, ])->first(); if($token) return $token; return $this->stripe->storeGatewayToken($data, ['gateway_customer_reference' => $customer->id]); } catch (Exception $e) { return $this->stripe->processInternallyFailedPayment($this->stripe, $e); } } }