Enable Payment Methods preselected by NOX after onboarding accounts

changelog/add-9973-enable-pms-from-capabilities

@@ -0,0 +1,4 @@
+Significance: patch
+Type: dev
+
+Enable Payment Methods preselected by NOX after onboarding accounts

includes/class-wc-payments-account.php

@@ -2049,6 +2049,21 @@ private function init_stripe_onboarding( string $setup_mode, string $wcpay_conne
 			$gateway->update_option( 'enabled', 'yes' );
 			$gateway->update_option( 'test_mode', empty( $onboarding_data['is_live'] ) ? 'yes' : 'no' );
 
+			/**
+			 * ==================
+			 * Enforces the update of payment methods to 'enabled' based on the capabilities
+			 * provided during the NOX onboarding process.
+			 *
+			 * @see WC_Payments_Onboarding_Service::update_enabled_payment_methods_ids
+			 * ==================
+			 */
+			$capabilities = $this->onboarding_service->get_capabilities_from_request();
+
+			// Activate enabled Payment Methods IDs.
+			if ( ! empty( $capabilities ) ) {
+				$this->onboarding_service->update_enabled_payment_methods_ids( $gateway, $capabilities );
+			}
+
 			// Store a state after completing KYC for tracks. This is stored temporarily in option because
 			// user might not have agreed to TOS yet.
 			update_option( '_wcpay_onboarding_stripe_connected', [ 'is_existing_stripe_account' => true ] );
@@ -2161,6 +2176,20 @@ private function finalize_connection( string $state, string $mode, array $additi
 		$gateway->update_option( 'enabled', 'yes' );
 		$gateway->update_option( 'test_mode', 'live' !== $mode ? 'yes' : 'no' );
 
+		/**
+		 * ==================
+		 * Enforces the update of payment methods to 'enabled' based on the capabilities
+		 * provided during the NOX onboarding process.
+		 *
+		 * @see WC_Payments_Onboarding_Service::update_enabled_payment_methods_ids
+		 * ==================
+		 */
+		$capabilities = $this->onboarding_service->get_capabilities_from_request();
+		// Activate enabled Payment Methods IDs.
+		if ( ! empty( $capabilities ) ) {
+			$this->onboarding_service->update_enabled_payment_methods_ids( $gateway, $capabilities );
+		}
+
 		// Store a state after completing KYC for tracks. This is stored temporarily in option because
 		// user might not have agreed to TOS yet.
 		update_option( '_wcpay_onboarding_stripe_connected', [ 'is_existing_stripe_account' => false ] );
@@ -2570,6 +2599,7 @@ function (): array {
 		);
 	}
 
+
 	/**
 	 * Send a Tracks event.
 	 *

includes/class-wc-payments-onboarding-service.php

@@ -277,6 +277,22 @@ public function create_embedded_kyc_session( array $self_assessment_data, bool $
 		);
 		$actioned_notes = self::get_actioned_notes();
 
+		/**
+		 * ==================
+		 * Enforces the update of payment methods to 'enabled' based on the capabilities
+		 * provided during the NOX onboarding process.
+		 *
+		 * @see self::update_enabled_payment_methods_ids
+		 * ==================
+		 */
+		$capabilities = $this->get_capabilities_from_request();
+		$gateway      = WC_Payments::get_gateway();
+
+		// Activate enabled Payment Methods IDs.
+		if ( ! empty( $capabilities ) ) {
+			$this->update_enabled_payment_methods_ids( $gateway, $capabilities );
+		}
+
 		try {
 			$account_session = $this->payments_api_client->initialize_onboarding_embedded_kyc(
 				'live' === $setup_mode,
@@ -1024,4 +1040,80 @@ public function maybe_add_test_drive_settings_to_new_account_request( array $arg
 
 		return $args;
 	}
+
+	/**
+	 * Update payment methods to 'enabled' based on the capabilities
+	 * provided during the NOX onboarding process. Merchants can preselect their preferred
+	 * payment methods as part of this flow.
+	 *
+	 * The capabilities are provided in the following format:
+	 *
+	 * [
+	 *   'card' => true,
+	 *   'affirm' => true,
+	 *   ...
+	 * ]
+	 *
+	 * @param WC_Payment_Gateway_WCPay $gateway Payment gateway instance.
+	 * @param array                    $capabilities Provided capabilities.
+	 */
+	public function update_enabled_payment_methods_ids( $gateway, $capabilities = [] ): void {
+		$enabled_gateways = $gateway->get_upe_enabled_payment_method_ids();
+
+		$enabled_payment_methods = array_unique(
+			array_merge(
+				$enabled_gateways,
+				$this->exclude_placeholder_payment_methods( $capabilities )
+			)
+		);
+
+		// Update the gateway option.
+		$gateway->update_option( 'upe_enabled_payment_method_ids', $enabled_payment_methods );
+
+		/**
+		 * Keeps the list of enabled payment method IDs synchronized between the default
+		 * `woocommerce_woocommerce_payments_settings` and duplicates in individual gateway settings.
+		 */
+		foreach ( $enabled_payment_methods as $payment_method_id ) {
+			$payment_gateway = WC_Payments::get_payment_gateway_by_id( $payment_method_id );
+			if ( $payment_gateway ) {
+				$payment_gateway->enable();
+				$payment_gateway->update_option( 'upe_enabled_payment_method_ids', $enabled_payment_methods );
+			}
+		}
+
+		// If WooPay is enabled, update the gateway option.
+		if ( ! empty( $capabilities['woopay'] ) ) {
+			$gateway->update_is_woopay_enabled( true );
+		}
+
+		// If Apple Pay and Google Pay are disabled update the gateway option,
+		// otherwise they are enabled by default.
+		if ( empty( $capabilities['apple_google'] ) ) {
+			$gateway->update_option( 'payment_request', 'no' );
+		}
+	}
+
+	/**
+	 * Excludes placeholder payment methods and removes duplicates.
+	 *
+	 * WooPay and Apple Pay & Google Pay are considered placeholder payment methods and are excluded.
+	 *
+	 * @param array $payment_methods Array of payment methods to process.
+	 *
+	 * @return array Filtered array of unique payment methods.
+	 */
+	private function exclude_placeholder_payment_methods( array $payment_methods ): array {
+		// Placeholder payment methods.
+		$excluded_methods = [ 'woopay', 'apple_google' ];
+
+		return array_filter(
+			array_unique(
+				array_keys( array_filter( $payment_methods ) )
+			),
+			function ( $payment_method ) use ( $excluded_methods ) {
+				return ! in_array( $payment_method, $excluded_methods, true );
+			}
+		);
+	}
 }