StubPaymentTokenFormatter.php

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<?php
namespace Magento\InstantPurchase\CustomerData;

use Magento\InstantPurchase\PaymentMethodIntegration\PaymentTokenFormatterInterface;
use Magento\Vault\Api\Data\PaymentTokenInterface;

class StubPaymentTokenFormatter implements PaymentTokenFormatterInterface
{
    const VALUE = 'stub payment token formatting result';

    public function formatPaymentToken(PaymentTokenInterface $paymentToken): string
    {
        return self::VALUE;
    }
}