feat(core): Constraint Graph for Payment Methods List

[prajjwalkumar17]

Type of Change

• [ ] Bugfix
• [x] New feature
• [ ] Enhancement
• [ ] Refactoring
• [ ] Dependency updates
• [ ] Documentation
• [ ] CI/CD

Description

Adds CGraphing for Merchant Pms with all the possible filters applicable as described below.

Testing Scenarios

// Testing for scenario 0:
// MCA1 -> Stripe configured with ideal config = { country = "NL", currency = "EUR" }
// MCA2 -> Cybersource configured with credit config = { currency = "USD" }
// Payment is done with currency as EUR and no billing address
// The resultant Payment Method list should only have ideal with stripe

// Testing for scenario 1:
// MCA1 -> Stripe configured with ideal mca = { country = "NL", currency = "EUR" }
// MCA2 -> Cybersource configured with credit mca = { currency = "USD" }
// Payment is done with currency as INR and no billing address
// The resultant Payment Method list shouldn't have any payment method

// Testing for scenario 2:
// MCA1 -> Stripe configured with credit mca = { country = "US" }
// MCA2 -> Cybersource configured with credit mca = { country = "US" }
// Payment is done with country as US and currency as USD
// The resultant Payment Method list should have both Stripe and cybersource

// Testing for scenario 3:
// MCA1 -> Stripe configured with ideal config = { country = "NL", currency = "EUR" }
// MCA2 -> Cybersource configured with ideal config = { country = "NL", currency = "EUR" }
// Payment is done with country as US and currency as EUR
// The resultant Payment Method list shouldn't have anything

// Testing for scenario 4:
// MCA1 -> Stripe configured with card credit no configs present
// MCA1 -> Cybersource configured with card credit config = { currency = "USD" }
// and ideal (default config present as = { country = "NL", currency = "EUR" } )
// Payment is done with country as IN and currency as USD
// The resultant Payment Method list should have
// Stripe and cybersource both for credit and none for ideal

Cypress Tests

Addressed in this PR:

1 Creation of Constraint Graph for Merchant Payment Method List:

Created a Constraint Graph with the following filters/Nodes:

From configs and MCA:

1. Countries Filter
2. Currency Filter
3. Supported for Mandates Filter
4. Allowed Payment Method Types
5. Supported for Update Mandates Filter
6. Capture Method Used

From Req:

1. Recurring Enabled
2. Installment Enabled
3. Amount Based

After Applying all these Filters and creating a Graph for a Merchant MCA with 2 PMT enabled (Credit and Debit) with one connector(Cybersource), We will get a graph equivalent to this

Henceforth, we will verify the constraints by constructing Context from our PaymentIntent and PaymentAttempt. PM List for Merchant curl:

curl --location 'http://127.0.0.1:8080/account/payment_methods?client_secret=pay_RtUquUfJt9sSheQNpqdR_secret_6BOkQMk1fYNq5zCgOdYr' \
--header 'Accept: application/json' \
--header 'api-key: pk_dev_423ae8fdc10d4db0bf28eda1662f51a3' \
--data ''

2 Moka Caching of Pm Filter Graph:

We have even implemented Moka(In memory) Cashing mechanism for our CGraph to minimize the latency. So for every request first the cache value will be checked if present, derived and used else CGraph will be constructed and the cache will be refreshed.

Additional Changes

• [ ] This PR modifies the API contract
• [ ] This PR modifies the database schema
• [ ] This PR modifies application configuration/environment variables

Motivation and Context

How did you test it?

Testing requires creation/refactoring of our configs: The configs followed are as follows:-

[pm_filters.stripe]
google_pay = { country = "CN" }
apple_pay = { country = "AU,CN,HK,JP,MO,MY,NZ,SG,TW,AM,AT,AZ,BY,BE,BG,HR,CY,CZ,DK,EE,FO,FI,FR,GE,DE,GR,GL,GG,HU,IS,IE,IM,IT,KZ,JE,LV,LI,LT,LU,MT,MD,MC,ME,NL,NO,PL,PT,RO,SM,RS,SK,SI,ES,SE,CH,UA,GB,AR,CO,CR,BR,MX,PE,BH,IL,JO,KW,PS,QA,SA,AE,CA,UM,US,KR,VN,MA,ZA,VA,CL,SV,GT,HN,PA" }

[pm_filters.cybersource]
credit = { not_available_flows = { capture_method = "manual" }, country = "AU, JP, IQ, US", currency = "INR"}
google_pay = { country = "AU,US", currency = "INR" }
debit = { country = "AU,IN, US", currency = "INR" }

Flow followed

Request 1: mca create request (Cybersource)

curl --location 'http://127.0.0.1:8080/account/merchant_1716536756/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '{
    "connector_type": "fiz_operations",
    "business_country": "US",
    "business_label": "default",
    "connector_name": "cybersource",
    "connector_account_details": {
        "auth_type": "SignatureKey",
        "api_key": "xxxx",
        "api_secret": "xxxxx",
        "key1": "juspay_us_sandbox"
    },
    "test_mode": true,
    "disabled": false,
    "payment_methods_enabled": [
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "debit",
                    "payment_experience": null,
                    "card_networks": [
                        "Visa",
                        "Mastercard"
                    ],
                    "accepted_currencies": {
                        "type": "enable_only",
                        "list": [
                            "INR"
                        ]
                    },
                    "accepted_countries": {
                        "type": "enable_only",
                        "list": [
                            "JP",
                            "US"
                        ]
                    },
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "credit",
                    "payment_experience": null,
                    "card_networks": [
                        "Visa",
                        "Mastercard"
                    ],
                    "accepted_currencies": {
                        "type": "all_accepted"
                    },
                    "accepted_countries": {
                        "type": "enable_only",
                        "list": [
                            "JP",
                            "US"
                        ]
                    },
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        }
    ],
    "connector_webhook_details": {
        "merchant_secret": "chethanaaaa"
    }
}'

Request 2: mca create request (Stripe)

curl --location 'http://127.0.0.1:8080/account/merchant_1716536756/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '{
    "connector_type": "fiz_operations",
    "connector_name": "stripe",
    "business_country": "US",
    "business_label": "default",
    "connector_account_details": {
        "auth_type": "HeaderKey",
        "api_key": "{{connector_api_key}}"
    },
    "test_mode": false,
    "disabled": false,
    "payment_methods_enabled": [
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "affirm"
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "payment_experience": "redirect_to_url",
                    "payment_method_type": "klarna"
                }
            ]
        },
        {
            "payment_method": "bank_redirect",
            "payment_method_types": [
                {
                    "payment_method_type": "ideal",
                    "payment_experience": null,
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "eps",
                    "payment_experience": null,
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_debit",
            "payment_method_types": [
                {
                    "payment_method_type": "sepa",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_transfer",
            "payment_method_types": [
                {
                    "payment_method_type": "sepa",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "credit",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "card_networks": [
                        "AmericanExpress",
                        "Discover",
                        "Interac",
                        "JCB",
                        "Mastercard",
                        "Visa",
                        "DinersClub",
                        "UnionPay",
                        "RuPay"
                    ]
                }
            ]
        },
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "debit",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "card_networks": [
                        "AmericanExpress",
                        "Discover",
                        "Interac",
                        "JCB",
                        "Mastercard",
                        "Visa",
                        "DinersClub",
                        "UnionPay",
                        "RuPay"
                    ]
                }
            ]
        },
        {
            "payment_method": "wallet",
            "payment_method_types": [
                {
                    "payment_method_type": "apple_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "google_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "we_chat_pay",
                    "payment_experience": "invoke_sdk_client",
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        }
    ],
    "metadata": {
        "google_pay": {
            "allowed_payment_methods": [
                {
                    "type": "CARD",
                    "parameters": {
                        "allowed_auth_methods": [
                            "PAN_ONLY",
                            "CRYPTOGRAM_3DS"
                        ],
                        "allowed_card_networks": [
                            "AMEX",
                            "DISCOVER",
                            "INTERAC",
                            "JCB",
                            "MASTERCARD",
                            "VISA"
                        ]
                    },
                    "tokenization_specification": {
                        "type": "PAYMENT_GATEWAY",
                        "parameters": {
                            "gateway": "example",
                            "gateway_merchant_id": "{{gateway_merchant_id}}"
                        }
                    }
                }
            ],
            "merchant_info": {
                "merchant_name": "PK"
            }
        }
    }
}'

Request 3: Payment Create Request (with capture_method = manual)

curl --location 'http://127.0.0.1:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_ee3RmaC8hkDWCibMrIk8AVzIzn1mK0yrQq5dJImuhr61np4mMHcRlGNFATZp0rcQ' \
--data-raw '
{
    "amount": 6540,
    "currency": "INR",
    "confirm": false,
    "capture_method": "manual",
    "capture_on": "2022-09-10T10:11:12Z",
    "amount_to_capture": 6540,
    "customer_id": "cus26",
    "email": "guest@example.com",
    "name": "John Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payment request",
    "authentication_type": "no_three_ds",
    "return_url": "https://google.com",
    "setup_future_usage": "on_session",
    "customer_acceptance": {
        "acceptance_type": "offline",
        "accepted_at": "1963-05-03T04:07:52.723Z",
        "online": {
            "ip_address": "127.0.0.1",
            "user_agent": "amet irure esse"
        }
    },
    "billing": {
        "address": {
            "line1": "1467",
            "line2": "Harrison Street",
            "line3": "Harrison Street",
            "city": "San Fransico",
            "state": "California",
            "zip": "94122",
            "country": "US",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "shipping": {
        "address": {
            "line1": "1467",
            "line2": "Harrison Street",
            "line3": "Harrison Street",
            "city": "San Fransico",
            "state": "California",
            "zip": "94122",
            "country": "US",
            "first_name": "joseph",
            "last_name": "Doe"
        },
        "phone": {
            "number": "8056594427",
            "country_code": "+91"
        }
    },
    "statement_descriptor_name": "joseph",
    "statement_descriptor_suffix": "JS",
    "metadata": {
        "udf1": "value1",
        "new_customer": "true",
        "login_date": "2019-09-10T10:11:12Z"
    },
    "routing": {
        "type": "single",
        "data": "stripe"
    }
}
'

Request 4: List Merchant Payment Methods

curl --location 'http://127.0.0.1:8080/account/payment_methods?client_secret=pay_pjPrnplx4iezrnZVq9OP_secret_G0Oc8N6SoTMKJpfYMEqZ' \
--header 'Accept: application/json' \
--header 'api-key: pk_dev_a5ea68aa142c4bb8ad07d0570166d26a' \
--data ''

Response Google pay won't come as we have added in configs allowed country as CN Payment Type Card(Credit) also won't come as the configs for credit has not_available_flows = manual

{
    "redirect_url": "https://google.com/success",
    "currency": "INR",
    "payment_methods": [
        {
            "payment_method": "wallet",
            "payment_method_types": [
                {
                    "payment_method_type": "apple_pay",
                    "payment_experience": [
                        {
                            "payment_experience_type": "invoke_sdk_client",
                            "eligible_connectors": [
                                "stripe"
                            ]
                        }
                    ],
                    "card_networks": null,
                    "bank_names": null,
                    "bank_debits": null,
                    "bank_transfers": null,
                    "required_fields": {},
                    "surcharge_details": null,
                    "pm_auth_connector": null
                },
                {
                    "payment_method_type": "we_chat_pay",
                    "payment_experience": [
                        {
                            "payment_experience_type": "invoke_sdk_client",
                            "eligible_connectors": [
                                "stripe"
                            ]
                        }
                    ],
                    "card_networks": null,
                    "bank_names": null,
                    "bank_debits": null,
                    "bank_transfers": null,
                    "required_fields": {},
                    "surcharge_details": null,
                    "pm_auth_connector": null
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "payment_method_type": "affirm",
                    "payment_experience": [
                        {
                            "payment_experience_type": "redirect_to_url",
                            "eligible_connectors": [
                                "stripe"
                            ]
                        }
                    ],
                    "card_networks": null,
                    "bank_names": null,
                    "bank_debits": null,
                    "bank_transfers": null,
                    "required_fields": {},
                    "surcharge_details": null,
                    "pm_auth_connector": null
                }
            ]
        },
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "debit",
                    "payment_experience": null,
                    "card_networks": [
                        {
                            "card_network": "Visa",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "cybersource",
                                "stripe"
                            ]
                        },
                        {
                            "card_network": "JCB",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "stripe"
                            ]
                        },
                        {
                            "card_network": "UnionPay",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "stripe"
                            ]
                        },
                        {
                            "card_network": "AmericanExpress",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "stripe"
                            ]
                        },
                        {
                            "card_network": "Discover",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "stripe"
                            ]
                        },
                        {
                            "card_network": "Interac",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "stripe"
                            ]
                        },
                        {
                            "card_network": "RuPay",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "stripe"
                            ]
                        },
                        {
                            "card_network": "DinersClub",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "stripe"
                            ]
                        },
                        {
                            "card_network": "Mastercard",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "cybersource",
                                "stripe"
                            ]
                        }
                    ],
                    "bank_names": null,
                    "bank_debits": null,
                    "bank_transfers": null,
                    "required_fields": {
                        "billing.address.last_name": {
                            "required_field": "payment_method_data.billing.address.last_name",
                            "display_name": "card_holder_name",
                            "field_type": "user_full_name",
                            "value": "Doe"
                        },
                        "billing.address.first_name": {
                            "required_field": "payment_method_data.billing.address.first_name",
                            "display_name": "card_holder_name",
                            "field_type": "user_full_name",
                            "value": "joseph"
                        },
                        "billing.address.city": {
                            "required_field": "payment_method_data.billing.address.city",
                            "display_name": "city",
                            "field_type": "user_address_city",
                            "value": "San Fransico"
                        },
                        "payment_method_data.card.card_number": {
                            "required_field": "payment_method_data.card.card_number",
                            "display_name": "card_number",
                            "field_type": "user_card_number",
                            "value": null
                        },
                        "payment_method_data.card.card_cvc": {
                            "required_field": "payment_method_data.card.card_cvc",
                            "display_name": "card_cvc",
                            "field_type": "user_card_cvc",
                            "value": null
                        },
                        "billing.address.zip": {
                            "required_field": "payment_method_data.billing.address.zip",
                            "display_name": "zip",
                            "field_type": "user_address_pincode",
                            "value": "94122"
                        },
                        "payment_method_data.card.card_exp_year": {
                            "required_field": "payment_method_data.card.card_exp_year",
                            "display_name": "card_exp_year",
                            "field_type": "user_card_expiry_year",
                            "value": null
                        },
                        "payment_method_data.card.card_exp_month": {
                            "required_field": "payment_method_data.card.card_exp_month",
                            "display_name": "card_exp_month",
                            "field_type": "user_card_expiry_month",
                            "value": null
                        },
                        "email": {
                            "required_field": "email",
                            "display_name": "email",
                            "field_type": "user_email_address",
                            "value": null
                        },
                        "billing.address.line1": {
                            "required_field": "payment_method_data.billing.address.line1",
                            "display_name": "line1",
                            "field_type": "user_address_line1",
                            "value": "1467"
                        },
                        "billing.address.state": {
                            "required_field": "payment_method_data.billing.address.state",
                            "display_name": "state",
                            "field_type": "user_address_state",
                            "value": "California"
                        },
                        "billing.address.country": {
                            "required_field": "payment_method_data.billing.address.country",
                            "display_name": "country",
                            "field_type": {
                                "user_address_country": {
                                    "options": [
                                        "ALL"
                                    ]
                                }
                            },
                            "value": "US"
                        }
                    },
                    "surcharge_details": null,
                    "pm_auth_connector": null
                }
            ]
        },
        {
            "payment_method": "bank_debit",
            "payment_method_types": [
                {
                    "payment_method_type": "sepa",
                    "payment_experience": null,
                    "card_networks": null,
                    "bank_names": null,
                    "bank_debits": {
                        "eligible_connectors": [
                            "stripe"
                        ]
                    },
                    "bank_transfers": null,
                    "required_fields": {
                        "billing.address.first_name": {
                            "required_field": "payment_method_data.billing.address.first_name",
                            "display_name": "billing_first_name",
                            "field_type": "user_billing_name",
                            "value": "joseph"
                        }
                    },
                    "surcharge_details": null,
                    "pm_auth_connector": null
                }
            ]
        },
        {
            "payment_method": "bank_transfer",
            "payment_method_types": [
                {
                    "payment_method_type": "sepa",
                    "payment_experience": null,
                    "card_networks": null,
                    "bank_names": null,
                    "bank_debits": null,
                    "bank_transfers": {
                        "eligible_connectors": [
                            "stripe"
                        ]
                    },
                    "required_fields": null,
                    "surcharge_details": null,
                    "pm_auth_connector": null
                }
            ]
        }
    ],
    "mandate_payment": null,
    "merchant_name": "Prajjwal",
    "show_surcharge_breakup_screen": false,
    "payment_type": "normal"
}

Bug Resolution Testcase

Config of Adyen

affirm = { country = "US", currency = "USD" }
credit = { country = "IQ", currency = "USD" }
afterpay_clearpay = { country = "AU,NZ,ES,GB,FR,IT,CA,US", currency = "GBP" }

MCA(Adyen) creation without allowed_currencies/countries

curl --location 'http://127.0.0.1:8080/account/merchant_1717151615/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '
{
    "connector_type": "fiz_operations",
    "connector_name": "adyen",
    "connector_account_details": {
        "auth_type": "BodyKey",
        "api_key": "{{connector_api_key}}",
        "key1": "{{connector_key1}}",
        "api_secret": "{{connector_api_secret}}"
    },
    "test_mode": false,
    "disabled": false,
    "business_country": "US",
    "business_label": "default",
    "payment_methods_enabled": [
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "credit",
                    "card_networks": [
                        "AmericanExpress",
                        "Discover",
                        "Interac",
                        "JCB",
                        "Mastercard",
                        "Visa",
                        "DinersClub",
                        "UnionPay",
                        "RuPay"
                    ],

                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "debit",
                    "card_networks": [
                        "AmericanExpress",
                        "Discover",
                        "Interac",
                        "JCB",
                        "Mastercard",
                        "Visa",
                        "DinersClub",
                        "UnionPay",
                        "RuPay"
                    ],
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "payment_method_type": "affirm",
                    "payment_experience": "redirect_to_url",
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "afterpay_clearpay",
                    "payment_experience": "redirect_to_url",
                    "card_networks": null,
                    "accepted_currencies": null,
                    "accepted_countries": null,
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        } 
    ],
    "metadata": {
        "endpoint_prefix": ""
    },
    "connector_webhook_details": {
        "merchant_secret": "++++++++"
    }
}'

List PM Response

Card shouldn't include credit as we have changed the allowed country as IQ(Iraq) but the intent created is from USA. AfterPayClearPay shouldn't be present as well, as it is only for GBP currency in our case we have USD.

{
    "redirect_url": "https://google.com/success",
    "currency": "USD",
    "payment_methods": [
        {
            "payment_method": "pay_later",
            "payment_method_types": [
                {
                    "payment_method_type": "affirm",
                    "payment_experience": [
                        {
                            "payment_experience_type": "redirect_to_url",
                            "eligible_connectors": [
                                "adyen"
                            ]
                        }
                    ],
                    "card_networks": null,
                    "bank_names": null,
                    "bank_debits": null,
                    "bank_transfers": null,
                    "required_fields": null,
                    "surcharge_details": null,
                    "pm_auth_connector": null
                }
            ]
        },
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "debit",
                    "payment_experience": null,
                    "card_networks": [
                        {
                            "card_network": "Mastercard",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        },
                        {
                            "card_network": "DinersClub",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        },
                        {
                            "card_network": "Discover",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        },
                        {
                            "card_network": "AmericanExpress",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        },
                        {
                            "card_network": "Interac",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        },
                        {
                            "card_network": "JCB",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        },
                        {
                            "card_network": "UnionPay",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        },
                        {
                            "card_network": "Visa",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        },
                        {
                            "card_network": "RuPay",
                            "surcharge_details": null,
                            "eligible_connectors": [
                                "adyen"
                            ]
                        }
                    ],
                    "bank_names": null,
                    "bank_debits": null,
                    "bank_transfers": null,
                    "required_fields": {
                        "payment_method_data.card.card_number": {
                            "required_field": "payment_method_data.card.card_number",
                            "display_name": "card_number",
                            "field_type": "user_card_number",
                            "value": null
                        },
                        "payment_method_data.card.card_exp_month": {
                            "required_field": "payment_method_data.card.card_exp_month",
                            "display_name": "card_exp_month",
                            "field_type": "user_card_expiry_month",
                            "value": null
                        },
                        "payment_method_data.card.card_exp_year": {
                            "required_field": "payment_method_data.card.card_exp_year",
                            "display_name": "card_exp_year",
                            "field_type": "user_card_expiry_year",
                            "value": null
                        },
                        "payment_method_data.card.card_cvc": {
                            "required_field": "payment_method_data.card.card_cvc",
                            "display_name": "card_cvc",
                            "field_type": "user_card_cvc",
                            "value": null
                        }
                    },
                    "surcharge_details": null,
                    "pm_auth_connector": null
                }
            ]
        }
    ],
    "mandate_payment": null,
    "merchant_name": "Prajjwal",
    "show_surcharge_breakup_screen": false,
    "payment_type": "normal"
}

Checklist

• [x] I formatted the code cargo +nightly fmt --all
• [x] I addressed lints thrown by cargo clippy
• [x] I reviewed the submitted code
• [ ] I added unit tests for my changes where possible

[Sakilmostak]

Raise a seperate PR for minor refactors discussed, rest LGTM!