# monei/trunk/src/Repositories/PaymentMethodsRepository.php

MONEI Payments for WooCommerce, version trunk. 159 lines.

- Page: https://pluginprobe.com/plugins/monei/trunk/code/src/Repositories/PaymentMethodsRepository.php
- Raw: https://pluginprobe.com/plugins/monei/trunk/raw/src/Repositories/PaymentMethodsRepository.php
- Modified: 2026-09-08T08:52:00+00:00

Line numbers below start at 1. Link to a line or a range by appending a fragment to the
page URL, for example `https://pluginprobe.com/plugins/monei/trunk/code/src/Repositories/PaymentMethodsRepository.php#L10-L20`.

```php
<?php

namespace Monei\Repositories;

use Monei\ApiException;
use Monei\MoneiClient;
use Exception;

class PaymentMethodsRepository implements PaymentMethodsRepositoryInterface {
	/**
	 * Cached marker for "the API said no". Distinct from an empty array so the
	 * cache can hold it: an empty array is falsy and would be re-fetched.
	 */
	private const UNAVAILABLE = array(
		'paymentMethods' => array(),
		'metadata'       => array(),
	);

	/**
	 * Option that holds off the API after it rejected the key. An option, not a
	 * transient: on the hosts that made this necessary transients do not persist,
	 * so a transient-backed marker is gone by the next request.
	 */
	public const BACKOFF_OPTION = 'monei_payment_methods_backoff';

	private $accountId;
	private MoneiClient $moneiClient;

	/**
	 * Answers already resolved during this request, keyed by transient key. Every
	 * gateway asks several times per render; without this each ask re-reads the
	 * transient, and on a host where transients do not persist, calls the API again.
	 */
	private array $memo = array();

	public function __construct( string $accountId, MoneiClient $moneiClient ) {
		$this->accountId   = $accountId;
		$this->moneiClient = $moneiClient;
	}

	/**
	 * Fetch payment methods from the API.
	 */
	private function fetchFromAPI(): ?array {
		// The account id no longer reaches the API — getAllowed() derives the account
		// from the API key. It still gates the call because it is what separates the
		// test cache from the live one, and because an unset one means the plugin is
		// not configured yet.
		if ( ! $this->accountId || $this->getBackoffUntil() ) {
			return null;
		}
		try {
			// /allowed-payment-methods, the API key authenticated replacement for the
			// deprecated /payment-methods. Amount, currency and country are left out on
			// purpose: this repository is a container singleton that answers admin
			// screens as well as the checkout, so it has no one cart to describe.
			$response = $this->moneiClient->paymentMethods->getAllowed();
		} catch ( ApiException $e ) {
			// A rejected key does not fix itself, so retrying every 30 seconds only
			// costs. Anything else (network, 5xx) keeps the short retry.
			if ( in_array( $e->getCode(), array( 401, 403 ), true ) ) {
				$this->extendBackoff();
			}
			$response = null;
		} catch ( Exception $e ) {
			$response = null;
		}

		if ( $response ) {
			delete_option( self::BACKOFF_OPTION );
		}

		return $response ? json_decode( $response, true ) : array();
	}

	/**
	 * Get payment methods (fetch from transient or API).
	 */
	public function getPaymentMethods(): array {
		$transientKey = $this->generateTransientKey( $this->accountId );
		if ( isset( $this->memo[ $transientKey ] ) ) {
			return $this->memo[ $transientKey ];
		}
		$data = get_transient( $transientKey );

		if ( ! $data ) {
			$data = $this->fetchFromAPI();
			if ( $data ) {
				set_transient( $transientKey, $data, 30 );
				set_transient( $this->fallbackKey( $transientKey ), $data, HOUR_IN_SECONDS );
			} else {
				// An empty answer marks every gateway unavailable, which takes
				// the payment methods off the checkout. The 30 second cache
				// makes that one failed call away at any moment, so fall back
				// to the last answer that worked.
				$data = get_transient( $this->fallbackKey( $transientKey ) );
				if ( ! $data ) {
					// No answer has ever worked: a wrong or missing API key. An
					// empty array is falsy, so it never reached the cache and
					// every checkout render repeated the failing call. One
					// store did this 15 times a second for a week.
					$data = self::UNAVAILABLE;
				}
				// Without this every request during an outage repeats the
				// failing call.
				set_transient( $transientKey, $data, 30 );
			}
		}

		$this->memo[ $transientKey ] = $data === self::UNAVAILABLE ? array() : ( $data ?: array() );

		return $this->memo[ $transientKey ];
	}

	/**
	 * When the plugin will next ask the API after it rejected the key, as a Unix
	 * timestamp. Null while the plugin is asking normally.
	 */
	public function getBackoffUntil(): ?int {
		$backoff = get_option( self::BACKOFF_OPTION );
		$until   = is_array( $backoff ) ? (int) ( $backoff['until'] ?? 0 ) : 0;

		return $until > time() ? $until : null;
	}

	/**
	 * Hold off the API for an hour, doubling on every further rejection up to a day.
	 */
	private function extendBackoff(): void {
		$previous = get_option( self::BACKOFF_OPTION );
		$delay    = HOUR_IN_SECONDS;
		if ( is_array( $previous ) ) {
			$delay = min( max( $delay, 2 * (int) ( $previous['delay'] ?? 0 ) ), DAY_IN_SECONDS );
		}
		update_option(
			self::BACKOFF_OPTION,
			array(
				'until' => time() + $delay,
				'delay' => $delay,
			),
			false
		);
	}

	/**
	 * Generate a transient key.
	 */
	private function generateTransientKey( string $key ): string {
		return 'payment_methods_' . md5( $key );
	}

	/**
	 * Key of the longer lived copy used when the API call fails.
	 */
	private function fallbackKey( string $transientKey ): string {
		return $transientKey . '_last_ok';
	}
}

```