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attempt credit card capture in custom cron


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we running custom cron that check if credits for SMS are low

in case customer select "auto renew credits"

we want to attempt credit card capture and add new order of "Credits addon" to the product

but I don't want do that if customer has other none credit card payment details for this product, or if no credit card or token for this product.

so we need few things:

1. check if product payment gateway is credit card type (include custom credit card gateways)

2. if it's credit card type, check if there is existing token or saved card for that

3. if there is token or credit card details, attempt capture


Please advice,


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