: '',
			( isset( $data->payer_id ) ) ? $data->payer_id : '',
			$address,
			$birth_date,
			$phone,
			$tax_info
		);
	}

	/**
	 * Returns a Payer object based off the given checkout form fields.
	 *
	 * @param array $form_fields The checkout form fields.
	 * @return Payer
	 * @throws RuntimeException When invalid data.
	 */
	public function from_checkout_form( array $form_fields ): Payer {

		$first_name        = $form_fields['billing_first_name'] ?? '';
		$last_name         = $form_fields['billing_last_name'] ?? '';
		$billing_email     = $form_fields['billing_email'] ?? '';
		$billing_country   = $form_fields['billing_country'] ?? '';
		$billing_address_1 = $form_fields['billing_address_1'] ?? '';
		$billing_address_2 = $form_fields['billing_address_2'] ?? '';
		$admin_area_1      = $form_fields['billing_state'] ?? '';
		$admin_area_2      = $form_fields['billing_city'] ?? '';
		$billing_postcode  = $form_fields['billing_postcode'] ?? '';

		$phone = null;
		if ( isset( $form_fields['billing_phone'] ) && '' !== $form_fields['billing_phone'] ) {
			// make sure the phone number contains only numbers and is max 14. chars long.
			$national_number = $form_fields['billing_phone'];
			$national_number = preg_replace( '/[^0-9]/', '', $national_number );

			if ( null !== $national_number ) {
				$national_number = substr( $national_number, 0, 14 );

				if ( $national_number ) {
					$phone = new PhoneWithType(
						'HOME',
						new Phone( $national_number )
					);
				}
			}
		}

		if ( ! is_email( $billing_email ) ) {
			/*
			phpcs:disable WordPress.WP.I18n.TextDomainMismatch
			translators: %s: email address
			*/
			throw new RuntimeException( sprintf( __( '%s is not a valid email address.', 'woocommerce' ), esc_html( $billing_email ) ) );
		}

		return new Payer(
			new PayerName( $first_name, $last_name ),
			$billing_email,
			'',
			new Address(
				$billing_country,
				$billing_address_1,
				$billing_address_2,
				$admin_area_1,
				$admin_area_2,
				$billing_postcode
			),
			null,
			$phone
		);
	}
}