Fix: Hide payment methods with domestic transactions restrictions (Klarna, Affirm, Afterpay) when conditions are not met

changelog/fix-8718-restrict-klarna-non-domestic-transactions

@@ -0,0 +1,4 @@
+Significance: minor
+Type: fix
+
+Hide payment methods with domestic transactions restrictions (Klarna, Affirm, Afterpay) when conditions are not met.

includes/class-wc-payments-utils.php

@@ -1147,4 +1147,46 @@ public static function get_active_upe_theme_transient_for_location( string $loca
 		// Fallback to 'stripe' if no transients are set.
 		return 'stripe';
 	}
+
+	/**
+	 * Returns the list of countries in the European Economic Area (EEA).
+	 *
+	 * Based on the list documented at https://www.gov.uk/eu-eea.
+	 *
+	 * @return string[]
+	 */
+	public static function get_european_economic_area_countries() {
+		return [
+			Country_Code::AUSTRIA,
+			Country_Code::BELGIUM,
+			Country_Code::BULGARIA,
+			Country_Code::CROATIA,
+			Country_Code::CYPRUS,
+			Country_Code::CZECHIA,
+			Country_Code::DENMARK,
+			Country_Code::ESTONIA,
+			Country_Code::FINLAND,
+			Country_Code::FRANCE,
+			Country_Code::GERMANY,
+			Country_Code::GREECE,
+			Country_Code::HUNGARY,
+			Country_Code::IRELAND,
+			Country_Code::ICELAND,
+			Country_Code::ITALY,
+			Country_Code::LATVIA,
+			Country_Code::LIECHTENSTEIN,
+			Country_Code::LITHUANIA,
+			Country_Code::LUXEMBOURG,
+			Country_Code::MALTA,
+			Country_Code::NORWAY,
+			Country_Code::NETHERLANDS,
+			Country_Code::POLAND,
+			Country_Code::PORTUGAL,
+			Country_Code::ROMANIA,
+			Country_Code::SLOVAKIA,
+			Country_Code::SLOVENIA,
+			Country_Code::SPAIN,
+			Country_Code::SWEDEN,
+		];
+	}
 }

includes/payment-methods/class-klarna-payment-method.php

@@ -103,6 +103,36 @@ public function __construct( $token_service ) {
 		];
 	}
 
+	/**
+	 * Returns payment method supported countries.
+	 *
+	 * For Klarna we need to include additional logic to support transactions between countries in the EEA,
+	 * UK, and Switzerland.
+	 *
+	 * @return array
+	 */
+	public function get_countries() {
+		$account         = \WC_Payments::get_account_service()->get_cached_account_data();
+		$account_country = isset( $account['country'] ) ? strtoupper( $account['country'] ) : '';
+
+		// Countries in the EEA can transact across all other EEA countries. This includes Switzerland and the UK who aren't strictly in the EU.
+		$eea_countries = array_merge(
+			WC_Payments_Utils::get_european_economic_area_countries(),
+			[ Country_Code::SWITZERLAND, Country_Code::UNITED_KINGDOM ]
+		);
+
+		// If the merchant is in the EEA, UK, or Switzerland, only the countries that have the same domestic currency as the store currency will be supported.
+		if ( in_array( $account_country, $eea_countries, true ) ) {
+			$store_currency = strtoupper( get_woocommerce_currency() );
+
+			$countries_that_support_store_currency = array_keys( $this->limits_per_currency[ $store_currency ] );
+
+			return array_values( array_intersect( $eea_countries, $countries_that_support_store_currency ) );
+		}
+
+		return parent::get_countries();
+	}
+
 	/**
 	 * Returns testing credentials to be printed at checkout in test mode.
 	 *

includes/payment-methods/class-upe-payment-method.php

@@ -303,7 +303,10 @@ public function get_payment_method_icon_for_location( string $location = 'checko
 	 * @return array
 	 */
 	public function get_countries() {
-		return $this->countries;
+		$account         = \WC_Payments::get_account_service()->get_cached_account_data();
+		$account_country = isset( $account['country'] ) ? strtoupper( $account['country'] ) : '';
+
+		return $this->has_domestic_transactions_restrictions() ? [ $account_country ] : $this->countries;
 	}
 
 	/**

tests/unit/payment-methods/test-class-klarna-payment-method.php

@@ -0,0 +1,155 @@
+<?php
+/**
+ * Class Klarna_Payment_Method_Test
+ *
+ * @package WooCommerce\Payments\Tests
+ */
+
+namespace WCPay\Payment_Methods;
+
+use PHPUnit\Framework\MockObject\MockObject;
+use WCPay\Constants\Country_Code;
+use WCPay\Constants\Currency_Code;
+use WCPAY_UnitTestCase;
+use WC_Payments_Account;
+use WC_Payments_Token_Service;
+use WC_Payments;
+
+/**
+ * Klarna_Payment_Method unit tests
+ */
+class Klarna_Payment_Method_Test extends WCPAY_UnitTestCase {
+
+	/**
+	 * Mock site currency string
+	 *
+	 * @var string
+	 */
+	public static $mock_site_currency = '';
+
+	/**
+	 * Mock WC_Payments_Token_Service.
+	 *
+	 * @var WC_Payments_Token_Service|MockObject
+	 */
+	private $mock_token_service;
+
+	/**
+	 * Klarna Payment Method Mock
+	 *
+	 * @var UPE_Payment_Method|MockObject
+	 */
+	private $mock_payment_method;
+
+	/**
+	 * WC_Payments_Account mocked instance.
+	 *
+	 * @var WC_Payments_Account|MockObject
+	 */
+	private $mock_wcpay_account;
+
+	/**
+	 * WC_Payments_Account original instance.
+	 *
+	 * @var WC_Payments_Account
+	 */
+	private $original_account_service;
+
+	/**
+	 * Pre-test setup
+	 */
+	public function set_up() {
+		parent::set_up();
+
+		$this->mock_wcpay_account       = $this->createMock( WC_Payments_Account::class );
+		$this->original_account_service = WC_Payments::get_account_service();
+		WC_Payments::set_account_service( $this->mock_wcpay_account );
+
+		// Arrange: Mock WC_Payments_Token_Service so its methods aren't called directly.
+		$this->mock_token_service = $this->getMockBuilder( 'WC_Payments_Token_Service' )
+			->disableOriginalConstructor()
+			->onlyMethods( [ 'add_payment_method_to_user' ] )
+			->getMock();
+
+		$this->mock_payment_method = $this->getMockBuilder( Klarna_Payment_Method::class )
+			->setConstructorArgs( [ $this->mock_token_service ] )
+			->onlyMethods( [] )
+			->getMock();
+	}
+
+	/**
+	 * Cleanup after tests.
+	 *
+	 * @return void
+	 */
+	public function tear_down() {
+		parent::tear_down();
+		wcpay_get_test_container()->reset_all_replacements();
+		WC_Payments::set_account_service( $this->original_account_service );
+		WC_Helper_Site_Currency::$mock_site_currency = '';
+	}
+
+	/**
+	 * @dataProvider provider_test_get_countries
+	 */
+	public function test_get_countries(
+		string $account_country,
+		?string $site_currency,
+		array $expected_result
+	) {
+		$this->mock_wcpay_account->method( 'get_cached_account_data' )->willReturn(
+			[
+				'country' => $account_country,
+			]
+		);
+
+		if ( $site_currency ) {
+			WC_Helper_Site_Currency::$mock_site_currency = $site_currency;
+		}
+
+		$this->assertEqualsCanonicalizing( $expected_result, $this->mock_payment_method->get_countries() );
+	}
+
+	public function provider_test_get_countries() {
+		return [
+			'US account'                         => [
+				'account_country' => Country_Code::UNITED_STATES,
+				'site_currency'   => null,
+				'expected_result' => [ Country_Code::UNITED_STATES ],
+			],
+			'UK account with GBP store currency' => [
+				'account_country' => Country_Code::UNITED_KINGDOM,
+				'site_currency'   => Currency_Code::POUND_STERLING,
+				'expected_result' => [ Country_Code::UNITED_KINGDOM ],
+			],
+			'UK account with EUR store currency' => [
+				'account_country' => Country_Code::UNITED_KINGDOM,
+				'site_currency'   => Currency_Code::EURO,
+				'expected_result' => [
+					Country_Code::AUSTRIA,
+					Country_Code::BELGIUM,
+					Country_Code::FINLAND,
+					Country_Code::GERMANY,
+					Country_Code::IRELAND,
+					Country_Code::ITALY,
+					Country_Code::NETHERLANDS,
+					Country_Code::SPAIN,
+				],
+			],
+			'BE account with EUR store currency' => [
+				'account_country' => Country_Code::BELGIUM,
+				'site_currency'   => Currency_Code::EURO,
+				'expected_result' => [
+					Country_Code::AUSTRIA,
+					Country_Code::BELGIUM,
+					Country_Code::FINLAND,
+					Country_Code::GERMANY,
+					Country_Code::IRELAND,
+					Country_Code::ITALY,
+					Country_Code::NETHERLANDS,
+					Country_Code::SPAIN,
+				],
+			],
+		];
+	}
+}