Issue:
Bug: Filter wallet payment method from mca based on customer pm



https://github.com/juspay/hyperswitch/issues/3741

Apple pay wallet is getting filtered out from list merchant payment method if the customer has saved it already. This has to be done for all wallets

Pull request description:
## Type of Change
<!-- Put an `x` in the boxes that apply -->

- [ ] Bugfix
- [ ] New feature
- [ ] Enhancement
- [x] Refactoring
- [ ] Dependency updates
- [ ] Documentation
- [ ] CI/CD

## Description
<!-- Describe your changes in detail -->
https://github.com/juspay/hyperswitch/pull/3953
Similar to above issue but now the PR refactors to filter out any wallet payment method from mca if it is saved by a customer

### Additional Changes

- [ ] This PR modifies the API contract
- [ ] This PR modifies the database schema
- [ ] This PR modifies application configuration/environment variables

<!--
Provide links to the files with corresponding changes.

Following are the paths where you can find config files:
1. `config`
2. `crates/router/src/configs`
3. `loadtest/config`
-->


## Motivation and Context
<!--
Why is this change required? What problem does it solve?
If it fixes an open issue, please link to the issue here.

If you don't have an issue, we'd recommend starting with one first so the PR
can focus on the implementation (unless it is an obvious bug or documentation fix
that will have little conversation).
-->


## How did you test it?
<!--
Did you write an integration/unit/API test to verify the code changes?
Or did you test this change manually (provide relevant screenshots)?
-->
1. Create mca
```
curl --location 'http://localhost:8080/account/merchant_1709561576/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '{
    "connector_type": "fiz_operations",
    "connector_name": "stripe",
    "connector_account_details": {
        "auth_type": "HeaderKey",
        "api_key": "abc"
    },
    "test_mode": false,
    "disabled": false,
    "payment_methods_enabled": [
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "credit",
                    "card_networks": [
                        "Visa",
                        "Mastercard"
                    ],
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "debit",
                    "card_networks": [
                        "Visa",
                        "Mastercard"
                    ],
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_debit",
            "payment_method_types": [
                {
                    "payment_method_type": "ach",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "minimum_amount": 0,
                    "maximum_amount": 10000
                }
            ]
        },
        {
            "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
                }
            ]
        }
    ],
    "metadata": {
        "apple_pay_combined": {
            "manual": {
                "session_token_data": {
                    "initiative": "web",
                    "certificate": "certificate",
                    "display_name": "applepay",
                    "certificate_keys": "keys",
                    "initiative_context": "sdk-test-app.netlify.app",
                    "merchant_identifier": "xyz"
                },
                "payment_request_data": {
                    "label": "applepay",
                    "supported_networks": [
                        "visa",
                        "masterCard",
                        "amex",
                        "discover"
                    ],
                    "merchant_capabilities": [
                        "supports3DS"
                    ]
                }
            }
        },
        "google_pay": {
            "merchant_info": {
                "merchant_name": "Stripe"
            },
            "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": "stripe",
                            "stripe:version": "2018-10-31",
                            "stripe:publishableKey": "abc"
                        }
                    }
                }
            ]
        }
    },
    "connector_webhook_details": {
        "merchant_secret": "MyWebhookSecret"
    },
    "business_country": "US",
    "business_label": "default"
}'
```

2. Create a applepay or googlepay wallet payment so that wallet entry gets saved in `payment_methods` table
```
curl --location 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_UyebBGu4SpiswmyxyM5ISeJO5BoAVQO8yWX20QFoKFBwB7q50t23zvH3xRqQ6auv' \
--data-raw '{
    "amount": 650,
    "currency": "USD",
    "confirm": true,
    "business_country": "US",
    "business_label": "default",
    "amount_to_capture": 650,
    "customer_id": "{{customer_id}}",
    "capture_method": "automatic",
    "capture_on": "2022-09-10T10:11:12Z",
    "authentication_type": "three_ds",
    "return_url": "https://google.com",
    "email": "something@gmail.com",
    "name": "Joseph Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payment request",
    "statement_descriptor_name": "Juspay",
    "statement_descriptor_suffix": "Router",
    "payment_method": "wallet",
    "payment_method_type": "apple_pay",
    "setup_future_usage": "on_session",
    "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"
        }
    },
    "payment_method_data": {
        "wallet": {
            "apple_pay": {
                "payment_data": "xyz",
                "payment_method": {
                    "display_name": "Visa 0326",
                    "network": "Mastercard",
                    "type": "debit"
                },
                "transaction_identifier": "abc"
            }
        }
    },
    "customer_acceptance": {
        "acceptance_type": "offline",
        "accepted_at": "1963-05-03T04:07:52.723Z",
        "online": {
            "ip_address": "in sit",
            "user_agent": "amet irure esse"
        }
    }
}'
```

3. Do `list_customer_payment_method`. Find the wallet entry and get the `payment_method_id` from response
4. Now do a payment with any payment method with `confirm = false`
5. Do list MCA with `client_secret`
```
curl --location 'http://localhost:8080/account/payment_methods?client_secret=abc' \
--header 'Accept: application/json' \
--header 'api-key: abc' \
--data ''
```

6. The payment method which u saved earlier shoudn't be listed in the result 
7. Check with saving both google_pay and apple_pay to customer (In this case both has to be filtered when done list mca)

## Checklist
<!-- Put an `x` in the boxes that apply -->

- [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
- [ ] I added a [CHANGELOG](/CHANGELOG.md) entry if applicable


Testing:

1. Create mca
```
curl --location 'http://localhost:8080/account/merchant_1709561576/connectors' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: test_admin' \
--data '{
    "connector_type": "fiz_operations",
    "connector_name": "stripe",
    "connector_account_details": {
        "auth_type": "HeaderKey",
        "api_key": "abc"
    },
    "test_mode": false,
    "disabled": false,
    "payment_methods_enabled": [
        {
            "payment_method": "card",
            "payment_method_types": [
                {
                    "payment_method_type": "credit",
                    "card_networks": [
                        "Visa",
                        "Mastercard"
                    ],
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                },
                {
                    "payment_method_type": "debit",
                    "card_networks": [
                        "Visa",
                        "Mastercard"
                    ],
                    "minimum_amount": 1,
                    "maximum_amount": 68607706,
                    "recurring_enabled": true,
                    "installment_payment_enabled": true
                }
            ]
        },
        {
            "payment_method": "bank_debit",
            "payment_method_types": [
                {
                    "payment_method_type": "ach",
                    "recurring_enabled": true,
                    "installment_payment_enabled": true,
                    "minimum_amount": 0,
                    "maximum_amount": 10000
                }
            ]
        },
        {
            "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
                }
            ]
        }
    ],
    "metadata": {
        "apple_pay_combined": {
            "manual": {
                "session_token_data": {
                    "initiative": "web",
                    "certificate": "certificate",
                    "display_name": "applepay",
                    "certificate_keys": "keys",
                    "initiative_context": "sdk-test-app.netlify.app",
                    "merchant_identifier": "xyz"
                },
                "payment_request_data": {
                    "label": "applepay",
                    "supported_networks": [
                        "visa",
                        "masterCard",
                        "amex",
                        "discover"
                    ],
                    "merchant_capabilities": [
                        "supports3DS"
                    ]
                }
            }
        },
        "google_pay": {
            "merchant_info": {
                "merchant_name": "Stripe"
            },
            "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": "stripe",
                            "stripe:version": "2018-10-31",
                            "stripe:publishableKey": "abc"
                        }
                    }
                }
            ]
        }
    },
    "connector_webhook_details": {
        "merchant_secret": "MyWebhookSecret"
    },
    "business_country": "US",
    "business_label": "default"
}'
```

2. Create a applepay or googlepay wallet payment so that wallet entry gets saved in `payment_methods` table
```
curl --location 'http://localhost:8080/payments' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'api-key: dev_UyebBGu4SpiswmyxyM5ISeJO5BoAVQO8yWX20QFoKFBwB7q50t23zvH3xRqQ6auv' \
--data-raw '{
    "amount": 650,
    "currency": "USD",
    "confirm": true,
    "business_country": "US",
    "business_label": "default",
    "amount_to_capture": 650,
    "customer_id": "{{customer_id}}",
    "capture_method": "automatic",
    "capture_on": "2022-09-10T10:11:12Z",
    "authentication_type": "three_ds",
    "return_url": "https://google.com",
    "email": "something@gmail.com",
    "name": "Joseph Doe",
    "phone": "999999999",
    "phone_country_code": "+65",
    "description": "Its my first payment request",
    "statement_descriptor_name": "Juspay",
    "statement_descriptor_suffix": "Router",
    "payment_method": "wallet",
    "payment_method_type": "apple_pay",
    "setup_future_usage": "on_session",
    "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"
        }
    },
    "payment_method_data": {
        "wallet": {
            "apple_pay": {
                "payment_data": "xyz",
                "payment_method": {
                    "display_name": "Visa 0326",
                    "network": "Mastercard",
                    "type": "debit"
                },
                "transaction_identifier": "abc"
            }
        }
    },
    "customer_acceptance": {
        "acceptance_type": "offline",
        "accepted_at": "1963-05-03T04:07:52.723Z",
        "online": {
            "ip_address": "in sit",
            "user_agent": "amet irure esse"
        }
    }
}'
```

3. Do `list_customer_payment_method`. Find the wallet entry and get the `payment_method_id` from response
4. Now do a payment with any payment method with `confirm = false`
5. Do list MCA with `client_secret`
```
curl --location 'http://localhost:8080/account/payment_methods?client_secret=abc' \
--header 'Accept: application/json' \
--header 'api-key: abc' \
--data ''
```

6. The payment method which u saved earlier shoudn't be listed in the result 
7. Check with saving both google_pay and apple_pay to customer (In this case both has to be filtered when done list mca)

Patch:
diff --git a/crates/router/src/core/payment_methods/cards.rs b/crates/router/src/core/payment_methods/cards.rs
index fccacfef45d..985ddcfe849 100644
--- a/crates/router/src/core/payment_methods/cards.rs
+++ b/crates/router/src/core/payment_methods/cards.rs
@@ -1344,42 +1344,50 @@ pub async fn list_payment_methods(
         .await?;
     }
 
-    // Filter out applepay payment method from mca if customer has already saved it
-    response
-        .iter()
-        .position(|pm| {
-            pm.payment_method == enums::PaymentMethod::Wallet
-                && pm.payment_method_type == enums::PaymentMethodType::ApplePay
-        })
+    // Filter out wallet payment method from mca if customer has already saved it
+    customer
         .as_ref()
-        .zip(customer.as_ref())
-        .async_map(|(index, customer)| async {
-            match db
-                .find_payment_method_by_customer_id_merchant_id_list(
-                    &customer.customer_id,
-                    &merchant_account.merchant_id,
-                    None,
-                )
-                .await
-            {
-                Ok(customer_payment_methods) => {
-                    if customer_payment_methods.iter().any(|pm| {
-                        pm.payment_method == enums::PaymentMethod::Wallet
-                            && pm.payment_method_type == Some(enums::PaymentMethodType::ApplePay)
-                    }) {
-                        response.remove(*index);
-                    }
-                    Ok(())
-                }
-                Err(error) => {
-                    if error.current_context().is_db_not_found() {
+        .async_map(|customer| async {
+            let wallet_pm_exists = response
+                .iter()
+                .any(|mca| mca.payment_method == enums::PaymentMethod::Wallet);
+            if wallet_pm_exists {
+                match db
+                    .find_payment_method_by_customer_id_merchant_id_list(
+                        &customer.customer_id,
+                        &merchant_account.merchant_id,
+                        None,
+                    )
+                    .await
+                {
+                    Ok(customer_payment_methods) => {
+                        let customer_wallet_pm = customer_payment_methods
+                            .iter()
+                            .filter(|cust_pm| {
+                                cust_pm.payment_method == enums::PaymentMethod::Wallet
+                            })
+                            .collect::<Vec<_>>();
+
+                        response.retain(|mca| {
+                            !(mca.payment_method == enums::PaymentMethod::Wallet
+                                && customer_wallet_pm.iter().any(|cust_pm| {
+                                    cust_pm.payment_method_type == Some(mca.payment_method_type)
+                                }))
+                        });
                         Ok(())
-                    } else {
-                        Err(error)
-                            .change_context(errors::ApiErrorResponse::InternalServerError)
-                            .attach_printable("failed to find payment methods for a customer")
+                    }
+                    Err(error) => {
+                        if error.current_context().is_db_not_found() {
+                            Ok(())
+                        } else {
+                            Err(error)
+                                .change_context(errors::ApiErrorResponse::InternalServerError)
+                                .attach_printable("failed to find payment methods for a customer")
+                        }
                     }
                 }
+            } else {
+                Ok(())
             }
         })
         .await