Saved Cards

// app/Services/MagpieTransactionService.php

public function savePaymentMethodFromSource(int $userId, string $sourceId, array $cardMeta): PaymentMethod
{
    $user = User::findOrFail($userId);

    // Step 1 — get or create a Magpie customer → cus_xxx
    $existingCustomerId = PaymentMethod::where('user_id', $userId)
        ->whereNotNull('gateway_customer_id')
        ->value('gateway_customer_id');

    $customerId = $existingCustomerId ?? $this->magpieService->createCustomer([
        'email'       => $user->email,
        'description' => $user->name,
    ])['id'];

    // Step 2 — attach source to customer (vaults the card)
    $this->magpieService->attachSourceToCustomer($customerId, $sourceId);

    // Step 3 — persist the PaymentMethod record (no raw card data stored)
    return PaymentMethod::create([
        'user_id'             => $user->id,
        'payment_gateway'     => 'magpie',
        'gateway_token'       => $sourceId,       // src_xxx
        'gateway_customer_id' => $customerId,     // cus_xxx
        'card_last_four'      => $cardMeta['last4'],
        'card_brand'          => $cardMeta['brand'],
        'card_exp_month'      => $cardMeta['exp_month'],
        'card_exp_year'       => $cardMeta['exp_year'],
    ]);
}

// app/Services/MagpieTransactionService.php

public function chargeWithSavedPaymentMethod(Donation $donation, PaymentMethod $pm): void
{
    $fees = FeeCalculator::calculate('magpie', $donation->amount);

    $charge = $this->magpieService->createCharge([
        'customer' => $pm->gateway_customer_id,  // cus_xxx
        'source'   => $pm->gateway_token,         // src_xxx
        'amount'   => (int) round($fees['total_amount'] * 100),
        'currency' => 'php',
        'metadata' => [
            'reference_number' => $donation->reference_number,
            'donation_id'      => $donation->id,
        ],
    ]);

    // If charge immediately succeeds, donation is marked completed synchronously.
    // If the charge is pending (e.g. requires 3DS), the charge.succeeded webhook finalises it.
    if ($charge['status'] === 'succeeded') {
        $donation->update(['status' => 'completed', 'paid_at' => now()]);
        $campaign->increment('raised_amount', $donation->amount);
        $campaign->increment('available_amount', $donation->amount);
        $campaign->increment('supporter_count');
    }
}