Add payment method field with 10 valid values

🤖 Generated with [Claude Code](https://claude.ai/code)

Co-Authored-By: Claude <noreply@anthropic.com>

Author: horgh

CHANGELOG.md

@@ -8,6 +8,8 @@ CHANGELOG
 * Added `credit_application` and `fund_transfer` to event type validation.
 * Added the input `/event/party`. This is the party submitting the
   transaction.
+* Added the input `/payment/method`. This is the payment method associated
+  with the transaction.
 
 3.3.0 (2025-05-23)
 ------------------

README.md

@@ -191,6 +191,7 @@ $request = $mf->withDevice(
     phoneCountryCode: '1',
     deliverySpeed: 'same_day'
 )->withPayment(
+    method: 'card',
     processor: 'stripe',
     wasAuthorized: false,
     declineCode: 'invalid number'

src/MinFraud.php

@@ -770,6 +770,18 @@ public function withShipping(
      * @param bool|null            $wasAuthorized The authorization outcome from the payment
      *                                            processor. If the transaction has not yet been
      *                                            approved or denied, do not include this field.
+     * @param string|null          $method        The payment method associated with the transaction.
+     *                                            The valid values are:
+     *                                            - `bank_debit`
+     *                                            - `bank_redirect`
+     *                                            - `bank_transfer`
+     *                                            - `buy_now_pay_later`
+     *                                            - `card`
+     *                                            - `crypto`
+     *                                            - `digital_wallet`
+     *                                            - `gift_card`
+     *                                            - `real_time_payment`
+     *                                            - `rewards`
      *
      * @return MinFraud A new immutable MinFraud object. This object is
      *                  a clone of the original with additional data.
@@ -779,6 +791,7 @@ public function withPayment(
         ?string $declineCode = null,
         ?string $processor = null,
         ?bool $wasAuthorized = null,
+        ?string $method = null,
     ): self {
         if (\count($values) !== 0) {
             if (\func_num_args() !== 1) {
@@ -788,6 +801,7 @@ public function withPayment(
             }
 
             $declineCode = $this->remove($values, 'decline_code');
+            $method = $this->remove($values, 'method');
             $processor = $this->remove($values, 'processor');
             $wasAuthorized = $this->remove($values, 'was_authorized', ['boolean']);
 
@@ -798,6 +812,24 @@ public function withPayment(
             $values['decline_code'] = $declineCode;
         }
 
+        if ($method !== null) {
+            if (!\in_array($method, [
+                'bank_debit',
+                'bank_redirect',
+                'bank_transfer',
+                'buy_now_pay_later',
+                'card',
+                'crypto',
+                'digital_wallet',
+                'gift_card',
+                'real_time_payment',
+                'rewards',
+            ], true)) {
+                $this->maybeThrowInvalidInputException("$method is not a valid payment method");
+            }
+            $values['method'] = $method;
+        }
+
         if ($processor !== null) {
             if (!\in_array($processor, [
                 'adyen',

tests/MaxMind/Test/MinFraudTest.php

@@ -153,6 +153,7 @@ public function testFullInsightsRequestUsingNamedArgs(string $class, string $ser
                 referrerUri: 'http://www.amazon.com/'
             )
             ->withPayment(
+                method: 'card',
                 processor: 'stripe',
                 wasAuthorized: false,
                 declineCode: 'invalid number'
@@ -1222,6 +1223,47 @@ public function testBadPaymentProcessor(): void
         )->withPayment(['processor' => 'unknown']);
     }
 
+    /**
+     * @dataProvider goodPaymentMethods
+     */
+    public function testGoodPaymentMethod(string $good): void
+    {
+        $this->createMinFraudRequestWithFullResponse(
+            'insights',
+            0
+        )->withPayment(['method' => $good]);
+    }
+
+    /**
+     * @return array<list<string>>
+     */
+    public static function goodPaymentMethods(): array
+    {
+        return [
+            ['bank_debit'],
+            ['bank_redirect'],
+            ['bank_transfer'],
+            ['buy_now_pay_later'],
+            ['card'],
+            ['crypto'],
+            ['digital_wallet'],
+            ['gift_card'],
+            ['real_time_payment'],
+            ['rewards'],
+        ];
+    }
+
+    public function testBadPaymentMethod(): void
+    {
+        $this->expectException(InvalidInputException::class);
+        $this->expectExceptionMessage('valid payment method');
+
+        $this->createMinFraudRequestWithFullResponse(
+            'insights',
+            0
+        )->withPayment(['method' => 'unknown']);
+    }
+
     /**
      * @dataProvider validAmounts
      */

tests/data/minfraud/full-request.json

@@ -42,6 +42,7 @@
     "delivery_speed": "same_day"
   },
   "payment": {
+    "method": "card",
     "processor": "stripe",
     "was_authorized": false,
     "decline_code": "invalid number"