CaracoleBundle/Solver/User/UserMerchantSolver.php

<?php

namespace Lc\CaracoleBundle\Solver\User;

use Lc\CaracoleBundle\Model\User\UserMerchantInterface;

class UserMerchantSolver
{
    public function isCreditActive(UserMerchantInterface $userMerchant = null)
    {
        if (!$userMerchant || ($userMerchant && !$userMerchant->isCreditActive())) {
            return false;
        }

        return true;
    }

    public function isCreditSufficientToPay(UserMerchantInterface $userMerchant, float $amount)
    {
        if ($this->isCreditActive($userMerchant) && $userMerchant->getCredit() >= $amount) {
            return true;
        }

        return false;
    }
}