sManageRisks example

        // are not available for esd         if (empty($data['esdactive']) && $sEsd) {
            $resetPayment = $this->config->get('sPAYMENTDEFAULT');
        }

        // Handle blocking for smartphones         if (!empty($data['mobile_inactive']) && $isMobile) {
            $resetPayment = $this->config->get('sPAYMENTDEFAULT');
        }

        // Check additional rules         if ($this->sManageRisks($paymentId, null, $customer)
            && $paymentId != ($customer['additional']['user']['paymentpreset'] ?? null)
        ) {
            $resetPayment = $this->config->get('sPAYMENTDEFAULT');
        }

        if (!empty($customer['additional']['countryShipping']['id'])) {
            $sql = ' SELECT 1 FROM s_core_paymentmeans p LEFT JOIN s_core_paymentmeans_subshops ps ON ps.subshopID = ? AND ps.paymentID = p.id LEFT JOIN s_core_paymentmeans_countries pc ON pc.countryID = ? AND pc.paymentID=p.id WHERE (ps.paymentID IS NOT NULL OR ( SELECT paymentID FROM s_core_paymentmeans_subshops WHERE paymentID=p.id LIMIT 1 ) IS NULL) AND (pc.paymentID IS NOT NULL OR ( SELECT paymentID FROM s_core_paymentmeans_countries WHERE paymentID=p.id LIMIT 1 ) IS NULL) AND id = ? ';