Signature

$result = apply_filters( 'mam_pmt_charge_card', array $data_array );

mam-stripe-manager implements this suite-wide payment filter (priority 10): it charges the customer’s saved card and returns the same array augmented with the outcome. Callers in the suite include MAM WooCommerce checkout/order capture, MAM WooCommerce Product Vendors (tips, held-payment capture), and the commission manager.

Trust boundary: apply this filter only from trusted server-side code with server-derived amounts. It moves real money.

Input keys

Amount bounds

• amount <= 0 is a no-op: status is true only when the order total is also ≤ 0 (a genuinely free order); otherwise false — a lost/tampered amount is not silently “successful”.
• For non-tip charges with an order, amount may not exceed order_total × tolerance + 0.01. The tolerance defaults to 1.2 because the checkout hold flow authorizes 120% of the order total, and is filterable:

apply_filters( 'mam_pmt_charge_amount_tolerance', 1.2 ); // return a float multiplier

Charges above the ceiling are refused (status = false, logged) without contacting Stripe.

Return shape

The input array, plus:

Built-in safety (no caller action needed)

• Duplicate-submission guard — if the order already holds an intent for the same amount that succeeded (or an open hold when creating another hold), it is reused instead of charging again.
• Stripe idempotency key — derived from order/amount/currency/capture-mode/payment-method/attempt, so a network retry maps to the original intent.
• On success the order is stamped: transaction id, _mam_stripe_intent_id, _stripe_charge_ids, _stripe_currency, _stripe_source_id, _stripe_charge_captured, _mam_payment_method, and paid-date meta (HPOS-safe CRUD writes).

Example — charge an order’s total

$order = wc_get_order( $order_id );

$result = apply_filters( 'mam_pmt_charge_card', array(
    'payment_method' => 'stripe',
    'post_id'        => $order->get_id(),
    'customer_id'    => $order->get_customer_id(),
    'amount'         => (float) $order->get_total(),
    'capture'        => 'yes',
) );

if ( empty( $result['status'] ) ) {
    $reason = $result['error_message'] ?? 'charge refused';
    // mark the order failed, surface $reason
} else {
    $intent_id = $result['charge']->id; // pi_...
}

Example — hold now, capture later

// 1. At checkout: hold 120% of the total
$hold = apply_filters( 'mam_pmt_charge_card', array(
    'payment_method' => 'stripe',
    'post_id'        => $order_id,
    'customer_id'    => $user_id,
    'amount'         => $total * 1.2,
    'capture'        => 'no',          // authorization hold
) );

// 2. At fulfillment: capture the real amount from the held intent
$capture = apply_filters( 'mam_pmt_charge_card', array(
    'payment_method' => 'stripe',
    'post_id'        => $order_id,
    'customer_id'    => $user_id,
    'amount'         => $total,
    'last_charge_id' => $hold['charge']->id,
) );

Related articles

• Hook: mam_pmt_refund_card
• Hook: mam_stripe_connect_transfer
• Plugin: mam-stripe-manager

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