public function isPaymentValid()
    {
        $isValid = $this->isPaymentActive();

        if ($isValid && !is_null($this->getPrice())) {
            $isValid = $this->checkPriceRange() && $this->checkMinOrderPrice();
        }

        $user = $this->getUser();
        if ($isValid && $user && $user->hasAccount()) {
            $isValid = $this->checkUserGroup();
        }

        if ($isValid && $user && $this->getCheckCountry()) {
            $isValid = $this->checkUserCountry();
        }

        return $isValid;
    }