diff --git a/src/app/Http/Controllers/API/V4/PaymentsController.php b/src/app/Http/Controllers/API/V4/PaymentsController.php
index d6fffa7b..58a59ce6 100644
--- a/src/app/Http/Controllers/API/V4/PaymentsController.php
+++ b/src/app/Http/Controllers/API/V4/PaymentsController.php
@@ -1,328 +1,328 @@
 <?php
 
 namespace App\Http\Controllers\API\V4;
 
 use App\Http\Controllers\Controller;
 use App\Providers\PaymentProvider;
 use App\Wallet;
 use Illuminate\Http\Request;
 use Illuminate\Support\Facades\Auth;
 use Illuminate\Support\Facades\Validator;
 
 class PaymentsController extends Controller
 {
     /**
      * Get the auto-payment mandate info.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function mandate()
     {
         $user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $user->wallets()->first();
 
         $mandate = self::walletMandate($wallet);
 
         return response()->json($mandate);
     }
 
     /**
      * Create a new auto-payment mandate.
      *
      * @param \Illuminate\Http\Request $request The API request.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function mandateCreate(Request $request)
     {
         $current_user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $current_user->wallets()->first();
 
         // Input validation
         if ($errors = self::mandateValidate($request, $wallet)) {
             return response()->json(['status' => 'error', 'errors' => $errors], 422);
         }
 
         $wallet->setSettings([
                 'mandate_amount' => $request->amount,
                 'mandate_balance' => $request->balance,
         ]);
 
         $mandate = [
             'currency' => 'CHF',
             'description' => \config('app.name') . ' Auto-Payment Setup',
         ];
 
         // Normally the auto-payment setup operation is 0, if the balance is below the threshold
         // we'll top-up the wallet with the configured auto-payment amount
         if ($wallet->balance < intval($request->balance * 100)) {
             $mandate['amount'] = intval($request->amount * 100);
         }
 
         $provider = PaymentProvider::factory($wallet);
 
         $result = $provider->createMandate($wallet, $mandate);
 
         $result['status'] = 'success';
 
         return response()->json($result);
     }
 
     /**
      * Revoke the auto-payment mandate.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function mandateDelete()
     {
         $user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $user->wallets()->first();
 
         $provider = PaymentProvider::factory($wallet);
 
         $provider->deleteMandate($wallet);
 
         $wallet->setSetting('mandate_disabled', null);
 
         return response()->json([
                 'status' => 'success',
                 'message' => \trans('app.mandate-delete-success'),
         ]);
     }
 
     /**
      * Update a new auto-payment mandate.
      *
      * @param \Illuminate\Http\Request $request The API request.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function mandateUpdate(Request $request)
     {
         $current_user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $current_user->wallets()->first();
 
         // Input validation
         if ($errors = self::mandateValidate($request, $wallet)) {
             return response()->json(['status' => 'error', 'errors' => $errors], 422);
         }
 
         $wallet->setSettings([
                 'mandate_amount' => $request->amount,
                 'mandate_balance' => $request->balance,
                 // Re-enable the mandate to give it a chance to charge again
                 // after it has been disabled (e.g. because the mandate amount was too small)
                 'mandate_disabled' => null,
         ]);
 
         // Trigger auto-payment if the balance is below the threshold
         if ($wallet->balance < intval($request->balance * 100)) {
             \App\Jobs\WalletCharge::dispatch($wallet);
         }
 
         $result = self::walletMandate($wallet);
         $result['status'] = 'success';
         $result['message'] = \trans('app.mandate-update-success');
 
         return response()->json($result);
     }
 
     /**
      * Validate an auto-payment mandate request.
      *
      * @param \Illuminate\Http\Request $request The API request.
      * @param \App\Wallet              $wallet  The wallet
      *
      * @return array|null List of errors on error or Null on success
      */
     protected static function mandateValidate(Request $request, Wallet $wallet)
     {
         $rules = [
             'amount' => 'required|numeric',
             'balance' => 'required|numeric|min:0',
         ];
 
         // Check required fields
         $v = Validator::make($request->all(), $rules);
 
         // TODO: allow comma as a decimal point?
 
         if ($v->fails()) {
-            return $v->errors();
+            return $v->errors()->toArray();
         }
 
         $amount = (int) ($request->amount * 100);
 
         // Validate the minimum value
         // It has to be at least minimum payment amount and must cover current debt
         if (
             $wallet->balance < 0
             && $wallet->balance * -1 > PaymentProvider::MIN_AMOUNT
             && $wallet->balance + $amount < 0
         ) {
             return ['amount' => \trans('validation.minamountdebt')];
         }
 
         if ($amount < PaymentProvider::MIN_AMOUNT) {
             $min = intval(PaymentProvider::MIN_AMOUNT / 100) . ' CHF';
             return ['amount' => \trans('validation.minamount', ['amount' => $min])];
         }
 
         return null;
     }
 
     /**
      * Create a new payment.
      *
      * @param \Illuminate\Http\Request $request The API request.
      *
      * @return \Illuminate\Http\JsonResponse The response
      */
     public function store(Request $request)
     {
         $current_user = Auth::guard()->user();
 
         // TODO: Wallet selection
         $wallet = $current_user->wallets()->first();
 
         $rules = [
             'amount' => 'required|numeric',
         ];
 
         // Check required fields
         $v = Validator::make($request->all(), $rules);
 
         // TODO: allow comma as a decimal point?
 
         if ($v->fails()) {
             return response()->json(['status' => 'error', 'errors' => $v->errors()], 422);
         }
 
         $amount = (int) ($request->amount * 100);
 
         // Validate the minimum value
         if ($amount < PaymentProvider::MIN_AMOUNT) {
             $min = intval(PaymentProvider::MIN_AMOUNT / 100) . ' CHF';
             $errors = ['amount' => \trans('validation.minamount', ['amount' => $min])];
             return response()->json(['status' => 'error', 'errors' => $errors], 422);
         }
 
         $request = [
             'type' => PaymentProvider::TYPE_ONEOFF,
             'currency' => 'CHF',
             'amount' => $amount,
             'description' => \config('app.name') . ' Payment',
         ];
 
         $provider = PaymentProvider::factory($wallet);
 
         $result = $provider->payment($wallet, $request);
 
         $result['status'] = 'success';
 
         return response()->json($result);
     }
 
     /**
      * Update payment status (and balance).
      *
      * @param string $provider Provider name
      *
      * @return \Illuminate\Http\Response The response
      */
     public function webhook($provider)
     {
         $code = 200;
 
         if ($provider = PaymentProvider::factory($provider)) {
             $code = $provider->webhook();
         }
 
         return response($code < 400 ? 'Success' : 'Server error', $code);
     }
 
     /**
      * Top up a wallet with a "recurring" payment.
      *
      * @param \App\Wallet $wallet The wallet to charge
      *
      * @return bool True if the payment has been initialized
      */
     public static function topUpWallet(Wallet $wallet): bool
     {
         if ((bool) $wallet->getSetting('mandate_disabled')) {
             return false;
         }
 
         $min_balance = (int) (floatval($wallet->getSetting('mandate_balance')) * 100);
         $amount = (int) (floatval($wallet->getSetting('mandate_amount')) * 100);
 
         // The wallet balance is greater than the auto-payment threshold
         if ($wallet->balance >= $min_balance) {
             // Do nothing
             return false;
         }
 
         $provider = PaymentProvider::factory($wallet);
         $mandate = (array) $provider->getMandate($wallet);
 
         if (empty($mandate['isValid'])) {
             return false;
         }
 
         // The defined top-up amount is not enough
         // Disable auto-payment and notify the user
         if ($wallet->balance + $amount < 0) {
             // Disable (not remove) the mandate
             $wallet->setSetting('mandate_disabled', 1);
             \App\Jobs\PaymentMandateDisabledEmail::dispatch($wallet);
             return false;
         }
 
         $request = [
             'type' => PaymentProvider::TYPE_RECURRING,
             'currency' => 'CHF',
             'amount' => $amount,
             'description' => \config('app.name') . ' Recurring Payment',
         ];
 
         $result = $provider->payment($wallet, $request);
 
         return !empty($result);
     }
 
     /**
      * Returns auto-payment mandate info for the specified wallet
      *
      * @param \App\Wallet $wallet A wallet object
      *
      * @return array A mandate metadata
      */
     public static function walletMandate(Wallet $wallet): array
     {
         $provider = PaymentProvider::factory($wallet);
 
         // Get the Mandate info
         $mandate = (array) $provider->getMandate($wallet);
 
         $mandate['amount'] = (int) (PaymentProvider::MIN_AMOUNT / 100);
         $mandate['balance'] = 0;
         $mandate['isDisabled'] = !empty($mandate['id']) && $wallet->getSetting('mandate_disabled');
 
         foreach (['amount', 'balance'] as $key) {
             if (($value = $wallet->getSetting("mandate_{$key}")) !== null) {
                 $mandate[$key] = $value;
             }
         }
 
         return $mandate;
     }
 }
diff --git a/src/app/OpenVidu/Room.php b/src/app/OpenVidu/Room.php
index 02187684..a731191b 100644
--- a/src/app/OpenVidu/Room.php
+++ b/src/app/OpenVidu/Room.php
@@ -1,361 +1,369 @@
 <?php
 
 namespace App\OpenVidu;
 
 use App\Traits\SettingsTrait;
 use Illuminate\Database\Eloquent\Model;
 use Illuminate\Support\Facades\Cache;
 
 /**
  * The eloquent definition of a Room.
  *
  * @property int     $id         Room identifier
  * @property string  $name       Room name
  * @property int     $user_id    Room owner
  * @property ?string $session_id OpenVidu session identifier
  */
 class Room extends Model
 {
     use SettingsTrait;
 
     public const ROLE_MODERATOR = 'MODERATOR';
     public const ROLE_PUBLISHER = 'PUBLISHER';
     public const ROLE_SUBSCRIBER = 'SUBSCRIBER';
 
     public const REQUEST_ACCEPTED = 'accepted';
     public const REQUEST_DENIED = 'denied';
 
     protected $fillable = [
         'user_id',
         'name'
     ];
 
     protected $table = 'openvidu_rooms';
 
     /** @var \GuzzleHttp\Client|null HTTP client instance */
     private static $client = null;
 
 
     /**
      * Creates HTTP client for connections to OpenVidu server
      *
      * @return \GuzzleHttp\Client HTTP client instance
      */
     private function client()
     {
         if (!self::$client) {
             self::$client = new \GuzzleHttp\Client(
                 [
                     'http_errors' => false, // No exceptions from Guzzle
                     'base_uri' => \config('openvidu.api_url'),
                     'verify' => \config('openvidu.api_verify_tls'),
                     'auth' => [
                         \config('openvidu.api_username'),
                         \config('openvidu.api_password')
                     ]
                 ]
             );
         }
 
         return self::$client;
     }
 
     /**
      * Destroy a OpenVidu connection
      *
      * @param string $conn Connection identifier
      *
      * @return bool True on success, False otherwise
      * @throws \Exception if session does not exist
      */
     public function closeOVConnection($conn): bool
     {
         if (!$this->session_id) {
             throw new \Exception("The room session does not exist");
         }
 
         $url = 'sessions/' . $this->session_id . '/connection/' . urlencode($conn);
 
         $response = $this->client()->request('DELETE', $url);
 
         return $response->getStatusCode() == 204;
     }
 
     /**
      * Fetch a OpenVidu connection information.
      *
      * @param string $conn Connection identifier
      *
      * @return ?array Connection data on success, Null otherwise
      * @throws \Exception if session does not exist
      */
     public function getOVConnection($conn): ?array
     {
         // Note: getOVConnection() not getConnection() because Eloquent\Model::getConnection() exists
         // TODO: Maybe use some other name? getParticipant?
         if (!$this->session_id) {
             throw new \Exception("The room session does not exist");
         }
 
         $url = 'sessions/' . $this->session_id . '/connection/' . urlencode($conn);
 
         $response = $this->client()->request('GET', $url);
 
         if ($response->getStatusCode() == 200) {
             return json_decode($response->getBody(), true);
         }
 
         return null;
     }
 
     /**
      * Create a OpenVidu session
      *
      * @return array|null Session data on success, NULL otherwise
      */
     public function createSession(): ?array
     {
         $response = $this->client()->request(
             'POST',
             "sessions",
             [
                 'json' => [
                     'mediaMode' => 'ROUTED',
                     'recordingMode' => 'MANUAL'
                 ]
             ]
         );
 
         if ($response->getStatusCode() !== 200) {
             $this->session_id = null;
             $this->save();
             return null;
         }
 
         $session = json_decode($response->getBody(), true);
 
         $this->session_id = $session['id'];
         $this->save();
 
         return $session;
     }
 
     /**
      * Delete a OpenVidu session
      *
      * @return bool
      */
     public function deleteSession(): bool
     {
         if (!$this->session_id) {
             return true;
         }
 
         $response = $this->client()->request(
             'DELETE',
             "sessions/" . $this->session_id,
         );
 
         if ($response->getStatusCode() == 204) {
             $this->session_id = null;
             $this->save();
 
             return true;
         }
 
         return false;
     }
 
     /**
      * Create a OpenVidu session (connection) token
      *
      * @return array|null Token data on success, NULL otherwise
+     * @throws \Exception if session does not exist
      */
     public function getSessionToken($role = self::ROLE_PUBLISHER): ?array
     {
-        $response = $this->client()->request(
-            'POST',
-            'tokens',
-            [
-                'json' => [
-                    'session' => $this->session_id,
-                    'role' => $role
-                ]
+        if (!$this->session_id) {
+            throw new \Exception("The room session does not exist");
+        }
+
+        $url = 'sessions/' . $this->session_id . '/connection';
+        $post = [
+            'json' => [
+                'role' => $role
             ]
-        );
+        ];
+
+        $response = $this->client()->request('POST', $url, $post);
 
         if ($response->getStatusCode() == 200) {
             $json = json_decode($response->getBody(), true);
 
-            return $json;
+            return [
+                'session' => $this->session_id,
+                'token' => $json['token'],
+                'role' => $json['role'],
+                'connectionId' => $json['id'],
+            ];
         }
 
         return null;
     }
 
     /**
      * Check if the room has an active session
      *
      * @return bool True when the session exists, False otherwise
      */
     public function hasSession(): bool
     {
         if (!$this->session_id) {
             return false;
         }
 
         $response = $this->client()->request('GET', "sessions/{$this->session_id}");
 
         return $response->getStatusCode() == 200;
     }
 
     /**
      * The room owner.
      *
      * @return \Illuminate\Database\Eloquent\Relations\BelongsTo
      */
     public function owner()
     {
         return $this->belongsTo('\App\User', 'user_id', 'id');
     }
 
     /**
      * Accept the join request.
      *
      * @param string $id Request identifier
      *
      * @return bool True on success, False on failure
      */
     public function requestAccept(string $id): bool
     {
         $request = Cache::get($this->session_id . '-' . $id);
 
         if ($request) {
             $request['status'] = self::REQUEST_ACCEPTED;
 
             return Cache::put($this->session_id . '-' . $id, $request, now()->addHours(1));
         }
 
         return false;
     }
 
     /**
      * Deny the join request.
      *
      * @param string $id Request identifier
      *
      * @return bool True on success, False on failure
      */
     public function requestDeny(string $id): bool
     {
         $request = Cache::get($this->session_id . '-' . $id);
 
         if ($request) {
             $request['status'] = self::REQUEST_DENIED;
 
             return Cache::put($this->session_id . '-' . $id, $request, now()->addHours(1));
         }
 
         return false;
     }
 
     /**
      * Get the join request data.
      *
      * @param string $id Request identifier
      *
      * @return array|null Request data (e.g. nickname, status, picture?)
      */
     public function requestGet(string $id): ?array
     {
         return Cache::get($this->session_id . '-' . $id);
     }
 
     /**
      * Save the join request.
      *
      * @param string $id      Request identifier
      * @param array  $request Request data
      *
      * @return bool True on success, False on failure
      */
     public function requestSave(string $id, array $request): bool
     {
         // We don't really need the picture in the cache
         // As we use this cache for the request status only
         unset($request['picture']);
 
         return Cache::put($this->session_id . '-' . $id, $request, now()->addHours(1));
     }
 
     /**
      * Any (additional) properties of this room.
      *
      * @return \Illuminate\Database\Eloquent\Relations\HasMany
      */
     public function settings()
     {
         return $this->hasMany('App\OpenVidu\RoomSetting', 'room_id');
     }
 
     /**
      * Send a OpenVidu signal to the session participants (connections)
      *
      * @param string       $name   Signal name (type)
      * @param array        $data   Signal data array
      * @param array|string $target List of target connections, Null for all connections.
      *                             It can be also a participant role.
      *
      * @return bool True on success, False on failure
      * @throws \Exception if session does not exist
      */
     public function signal(string $name, array $data = [], $target = null): bool
     {
         if (!$this->session_id) {
             throw new \Exception("The room session does not exist");
         }
 
         $post = [
             'session' => $this->session_id,
             'type' => $name,
             'data' => $data ? json_encode($data) : '',
         ];
 
         // Get connection IDs by participant role
         if (is_string($target)) {
             // TODO: We should probably store this in our database/redis. I foresee a use-case
             //       for such a connections store on our side, e.g. keeping participant
             //       metadata, e.g. selected language, extra roles like a "language interpreter", etc.
 
             $response = $this->client()->request('GET', 'sessions/' . $this->session_id);
 
             if ($response->getStatusCode() !== 200) {
                 return false;
             }
 
             $json = json_decode($response->getBody(), true);
             $connections = [];
 
             foreach ($json['connections']['content'] as $connection) {
                 if ($connection['role'] === $target) {
                     $connections[] = $connection['id'];
                     break;
                 }
             }
 
             if (empty($connections)) {
                 return false;
             }
 
             $target = $connections;
         }
 
         if (!empty($target)) {
             $post['to'] = $target;
         }
 
         $response = $this->client()->request('POST', 'signal', ['json' => $post]);
 
         return $response->getStatusCode() == 200;
     }
 }
diff --git a/src/app/Providers/Payment/Stripe.php b/src/app/Providers/Payment/Stripe.php
index 6bf0116a..58fd8ba6 100644
--- a/src/app/Providers/Payment/Stripe.php
+++ b/src/app/Providers/Payment/Stripe.php
@@ -1,473 +1,473 @@
 <?php
 
 namespace App\Providers\Payment;
 
 use App\Payment;
 use App\Utils;
 use App\Wallet;
 use App\WalletSetting;
 use Illuminate\Support\Facades\DB;
 use Illuminate\Support\Facades\Request;
 use Stripe as StripeAPI;
 
 class Stripe extends \App\Providers\PaymentProvider
 {
     /**
      * Class constructor.
      */
     public function __construct()
     {
         StripeAPI\Stripe::setApiKey(\config('services.stripe.key'));
     }
 
     /**
      * Get a link to the customer in the provider's control panel
      *
      * @param \App\Wallet $wallet The wallet
      *
      * @return string|null The string representing <a> tag
      */
     public function customerLink(Wallet $wallet): ?string
     {
         $customer_id = self::stripeCustomerId($wallet, false);
 
         if (!$customer_id) {
             return null;
         }
 
         $location = 'https://dashboard.stripe.com';
 
         $key = \config('services.stripe.key');
 
         if (strpos($key, 'sk_test_') === 0) {
             $location .= '/test';
         }
 
         return sprintf(
             '<a href="%s/customers/%s" target="_blank">%s</a>',
             $location,
             $customer_id,
             $customer_id
         );
     }
 
     /**
      * Create a new auto-payment mandate for a wallet.
      *
      * @param \App\Wallet $wallet  The wallet
      * @param array       $payment Payment data:
      *                             - amount: Value in cents (not used)
      *                             - currency: The operation currency
      *                             - description: Operation desc.
      *
      * @return array Provider payment/session data:
      *               - id: Session identifier
      */
     public function createMandate(Wallet $wallet, array $payment): ?array
     {
         // Register the user in Stripe, if not yet done
         $customer_id = self::stripeCustomerId($wallet, true);
 
         $request = [
             'customer' => $customer_id,
             'cancel_url' => Utils::serviceUrl('/wallet'), // required
             'success_url' => Utils::serviceUrl('/wallet'), // required
             'payment_method_types' => ['card'], // required
             'locale' => 'en',
             'mode' => 'setup',
         ];
 
         // Note: Stripe does not allow to set amount for 'setup' operation
         // We'll dispatch WalletCharge job when we receive a webhook request
 
         $session = StripeAPI\Checkout\Session::create($request);
 
         $payment['amount'] = 0;
         $payment['id'] = $session->setup_intent;
         $payment['type'] = self::TYPE_MANDATE;
 
         $this->storePayment($payment, $wallet->id);
 
         return [
             'id' => $session->id,
         ];
     }
 
     /**
      * Revoke the auto-payment mandate.
      *
      * @param \App\Wallet $wallet The wallet
      *
      * @return bool True on success, False on failure
      */
     public function deleteMandate(Wallet $wallet): bool
     {
         // Get the Mandate info
         $mandate = self::stripeMandate($wallet);
 
         if ($mandate) {
             // Remove the reference
             $wallet->setSetting('stripe_mandate_id', null);
 
             // Detach the payment method on Stripe
             $pm = StripeAPI\PaymentMethod::retrieve($mandate->payment_method);
             $pm->detach();
         }
 
         return true;
     }
 
     /**
      * Get a auto-payment mandate for a wallet.
      *
      * @param \App\Wallet $wallet The wallet
      *
      * @return array|null Mandate information:
      *                    - id: Mandate identifier
      *                    - method: user-friendly payment method desc.
      *                    - isPending: the process didn't complete yet
      *                    - isValid: the mandate is valid
      */
     public function getMandate(Wallet $wallet): ?array
     {
         // Get the Mandate info
         $mandate = self::stripeMandate($wallet);
 
         if (empty($mandate)) {
             return null;
         }
 
         $pm = StripeAPI\PaymentMethod::retrieve($mandate->payment_method);
 
         $result = [
             'id' => $mandate->id,
             'isPending' => $mandate->status != 'succeeded' && $mandate->status != 'canceled',
             'isValid' => $mandate->status == 'succeeded',
             'method' => self::paymentMethod($pm, 'Unknown method')
         ];
 
         return $result;
     }
 
     /**
      * Get a provider name
      *
      * @return string Provider name
      */
     public function name(): string
     {
         return 'stripe';
     }
 
     /**
      * Create a new payment.
      *
      * @param \App\Wallet $wallet  The wallet
      * @param array       $payment Payment data:
      *                             - amount: Value in cents
      *                             - currency: The operation currency
      *                             - type: first/oneoff/recurring
      *                             - description: Operation desc.
      *
      * @return array Provider payment/session data:
      *               - id: Session identifier
      */
     public function payment(Wallet $wallet, array $payment): ?array
     {
         if ($payment['type'] == self::TYPE_RECURRING) {
             return $this->paymentRecurring($wallet, $payment);
         }
 
         // Register the user in Stripe, if not yet done
         $customer_id = self::stripeCustomerId($wallet, true);
 
         $request = [
             'customer' => $customer_id,
             'cancel_url' => Utils::serviceUrl('/wallet'), // required
             'success_url' => Utils::serviceUrl('/wallet'), // required
             'payment_method_types' => ['card'], // required
             'locale' => 'en',
             'line_items' => [
                 [
                     'name' => $payment['description'],
                     'amount' => $payment['amount'],
                     'currency' => \strtolower($payment['currency']),
                     'quantity' => 1,
                 ]
             ]
         ];
 
         $session = StripeAPI\Checkout\Session::create($request);
 
         // Store the payment reference in database
         $payment['id'] = $session->payment_intent;
 
         $this->storePayment($payment, $wallet->id);
 
         return [
             'id' => $session->id,
         ];
     }
 
     /**
      * Create a new automatic payment operation.
      *
      * @param \App\Wallet $wallet  The wallet
      * @param array       $payment Payment data (see self::payment())
      *
      * @return array Provider payment/session data:
      *               - id: Session identifier
      */
     protected function paymentRecurring(Wallet $wallet, array $payment): ?array
     {
         // Check if there's a valid mandate
         $mandate = self::stripeMandate($wallet);
 
         if (empty($mandate)) {
             return null;
         }
 
         $request = [
             'amount' => $payment['amount'],
             'currency' => \strtolower($payment['currency']),
             'description' => $payment['description'],
             'receipt_email' => $wallet->owner->email,
             'customer' => $mandate->customer,
             'payment_method' => $mandate->payment_method,
             'off_session' => true,
             'confirm' => true,
         ];
 
         $intent = StripeAPI\PaymentIntent::create($request);
 
         // Store the payment reference in database
         $payment['id'] = $intent->id;
 
         $this->storePayment($payment, $wallet->id);
 
         return [
             'id' => $payment['id'],
         ];
     }
 
     /**
      * Update payment status (and balance).
      *
      * @return int HTTP response code
      */
     public function webhook(): int
     {
         // We cannot just use php://input as it's already "emptied" by the framework
         // $payload = file_get_contents('php://input');
         $request = Request::instance();
         $payload = $request->getContent();
         $sig_header = $request->header('Stripe-Signature');
 
         // Parse and validate the input
         try {
             $event = StripeAPI\Webhook::constructEvent(
                 $payload,
                 $sig_header,
                 \config('services.stripe.webhook_secret')
             );
         } catch (\Exception $e) {
             // Invalid payload
             return 400;
         }
 
         switch ($event->type) {
             case StripeAPI\Event::PAYMENT_INTENT_CANCELED:
             case StripeAPI\Event::PAYMENT_INTENT_PAYMENT_FAILED:
             case StripeAPI\Event::PAYMENT_INTENT_SUCCEEDED:
                 $intent = $event->data->object; // @phpstan-ignore-line
                 $payment = Payment::find($intent->id);
 
                 if (empty($payment) || $payment->type == self::TYPE_MANDATE) {
                     return 404;
                 }
 
                 switch ($intent->status) {
                     case StripeAPI\PaymentIntent::STATUS_CANCELED:
                         $status = self::STATUS_CANCELED;
                         break;
                     case StripeAPI\PaymentIntent::STATUS_SUCCEEDED:
                         $status = self::STATUS_PAID;
                         break;
                     default:
                         $status = self::STATUS_FAILED;
                 }
 
                 DB::beginTransaction();
 
                 if ($status == self::STATUS_PAID) {
                     // Update the balance, if it wasn't already
                     if ($payment->status != self::STATUS_PAID) {
                         $this->creditPayment($payment, $intent);
                     }
                 } else {
                     if (!empty($intent->last_payment_error)) {
                         // See https://stripe.com/docs/error-codes for more info
                         \Log::info(sprintf(
                             'Stripe payment failed (%s): %s',
                             $payment->id,
                             json_encode($intent->last_payment_error)
                         ));
                     }
                 }
 
                 if ($payment->status != self::STATUS_PAID) {
                     $payment->status = $status;
                     $payment->save();
 
                     if ($status != self::STATUS_CANCELED && $payment->type == self::TYPE_RECURRING) {
                         // Disable the mandate
                         if ($status == self::STATUS_FAILED) {
                             $payment->wallet->setSetting('mandate_disabled', 1);
                         }
 
                         // Notify the user
                         \App\Jobs\PaymentEmail::dispatch($payment);
                     }
                 }
 
                 DB::commit();
 
                 break;
 
             case StripeAPI\Event::SETUP_INTENT_SUCCEEDED:
             case StripeAPI\Event::SETUP_INTENT_SETUP_FAILED:
             case StripeAPI\Event::SETUP_INTENT_CANCELED:
                 $intent = $event->data->object; // @phpstan-ignore-line
                 $payment = Payment::find($intent->id);
 
                 if (empty($payment) || $payment->type != self::TYPE_MANDATE) {
                     return 404;
                 }
 
                 switch ($intent->status) {
                     case StripeAPI\SetupIntent::STATUS_CANCELED:
                         $status = self::STATUS_CANCELED;
                         break;
                     case StripeAPI\SetupIntent::STATUS_SUCCEEDED:
                         $status = self::STATUS_PAID;
                         break;
                     default:
                         $status = self::STATUS_FAILED;
                 }
 
                 if ($status == self::STATUS_PAID) {
                     $payment->wallet->setSetting('stripe_mandate_id', $intent->id);
-                    $threshold = intval($payment->wallet->getSetting('mandate_balance') * 100);
+                    $threshold = intval((float) $payment->wallet->getSetting('mandate_balance') * 100);
 
                     // Top-up the wallet if balance is below the threshold
                     if ($payment->wallet->balance < $threshold && $payment->status != self::STATUS_PAID) {
                         \App\Jobs\WalletCharge::dispatch($payment->wallet);
                     }
                 }
 
                 $payment->status = $status;
                 $payment->save();
 
                 break;
 
             default:
                 \Log::debug("Unhandled Stripe event: " . var_export($payload, true));
                 break;
         }
 
         return 200;
     }
 
     /**
      * Get Stripe customer identifier for specified wallet.
      * Create one if does not exist yet.
      *
      * @param \App\Wallet $wallet The wallet
      * @param bool        $create Create the customer if does not exist yet
      *
      * @return string|null Stripe customer identifier
      */
     protected static function stripeCustomerId(Wallet $wallet, bool $create = false): ?string
     {
         $customer_id = $wallet->getSetting('stripe_id');
 
         // Register the user in Stripe
         if (empty($customer_id) && $create) {
             $customer = StripeAPI\Customer::create([
                     'name'  => $wallet->owner->name(),
                     // Stripe will display the email on Checkout page, editable,
                     // and use it to send the receipt (?), use the user email here
                     // 'email' => $wallet->id . '@private.' . \config('app.domain'),
                     'email' => $wallet->owner->email,
             ]);
 
             $customer_id = $customer->id;
 
             $wallet->setSetting('stripe_id', $customer->id);
         }
 
         return $customer_id;
     }
 
     /**
      * Get the active Stripe auto-payment mandate (Setup Intent)
      */
     protected static function stripeMandate(Wallet $wallet)
     {
         // Note: Stripe also has 'Mandate' objects, but we do not use these
 
         if ($mandate_id = $wallet->getSetting('stripe_mandate_id')) {
             $mandate = StripeAPI\SetupIntent::retrieve($mandate_id);
             // @phpstan-ignore-next-line
             if ($mandate && $mandate->status != 'canceled') {
                 return $mandate;
             }
         }
     }
 
     /**
      * Apply the successful payment's pecunia to the wallet
      */
     protected static function creditPayment(Payment $payment, $intent)
     {
         $method = 'Stripe';
 
         // Extract the payment method for transaction description
         if (
             !empty($intent->charges)
             && ($charge = $intent->charges->data[0])
             && ($pm = $charge->payment_method_details)
         ) {
             $method = self::paymentMethod($pm);
         }
 
         // TODO: Localization?
         $description = $payment->type == self::TYPE_RECURRING ? 'Auto-payment' : 'Payment';
         $description .= " transaction {$payment->id} using {$method}";
 
         $payment->wallet->credit($payment->amount, $description);
 
         // Unlock the disabled auto-payment mandate
         if ($payment->wallet->balance >= 0) {
             $payment->wallet->setSetting('mandate_disabled', null);
         }
     }
 
     /**
      * Extract payment method description from Stripe payment details
      */
     protected static function paymentMethod($details, $default = ''): string
     {
         switch ($details->type) {
             case 'card':
                 // TODO: card number
                 return \sprintf(
                     '%s (**** **** **** %s)',
                     \ucfirst($details->card->brand) ?: 'Card',
                     $details->card->last4
                 );
         }
 
         return $default;
     }
 }