The requested Payment Method is not available. When using a saved credit card

Question

I have Magento 2.3.5 and been using braintree's payment method but when users save a credit card to their account and try to use it an error shows up saying "The requested Payment Method is not available"

The error is triggered here: vendor\magento\module-quote\Model\Quote\Payment.php

if (!$method->isAvailable($quote) || !$methodSpecification->isApplicable($method, $quote)) {
        throw new \Magento\Framework\Exception\LocalizedException(
            __('The requested Payment Method is not available.')
        );
}

$method->isAvailable($quote) returns false when users use the saved credit card.

Using $method->getCode() returns "substitution". Don't know if it helps with something?

Thanks!

Answer 1

This is a reported bug with Magento. It appears to have been around since v2.3.5 https://github.com/magento/magento2/issues/29248

Javascript expects a unique ID to be passed to know which payment method on the page to expand (think multiple vaulted cards for the one customer).

But that is passed to PHP despite PHP expecting a more generic payment method code to know which payment validator logic to load.

Until this is patched via core code, this is a plugin that I wrote that I'm using.

File: app/code/Prominc/Quote/Plugin/Model/Quote/Payment.php

<?php

namespace Prominc\Quote\Plugin\Model\Quote;

class Payment
{

    public function beforeImportData(
        \Magento\Quote\Model\Quote\Payment $subject,
        $data
    ) {
        $vaultMethod = preg_replace( '/^([a-z_]+vault)_\d+$/i', '$1', $data['method'] );
        if( !is_null( $vaultMethod ) && $vaultMethod !== $data['method'] ) {
            $data['method'] = $vaultMethod;
        }
        return [$data];
    }

}

File: app/code/Prominc/Quote/registration.php

<?php

use \Magento\Framework\Component\ComponentRegistrar;

ComponentRegistrar::register(
    ComponentRegistrar::MODULE,
    'Prominc_Quote',
    __DIR__
);

File: app/code/Prominc/Quote/etc/module.xml

<?xml version="1.0" encoding="utf-8"?>
<config xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="urn:magento:framework:Module/etc/module.xsd">
    <module name="Prominc_Quote" setup_version="0.0.1">
        <sequence>
            <module name="Magento_Quote"/>
        </sequence>
    </module>
</config>

File: app/code/Prominc/Quote/etc/di.xml

<?xml version="1.0"?>
<config xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="urn:magento:framework:ObjectManager/etc/config.xsd">
    <type name="Magento\Quote\Model\Quote\Payment">
        <plugin disabled="false" name="Prominc_Quote_Plugin_Model_Quote_Payment" sortOrder="10" type="Prominc\Quote\Plugin\Model\Quote\Payment"/>
    </type>
</config>

Don't forget to run a setup:di:compile after adding this module/plugin.