feat: restrict donations via stripe card (#51598)

Co-authored-by: Oliver Eyton-Williams <ojeytonwilliams@gmail.com>

api-server/src/server/utils/donation.js

@@ -217,6 +217,7 @@ export async function createStripeCardDonation(req, res, stripe) {
    * if user is already donating and the donation isn't one time only,
    * throw error
    */
+
   if (user.isDonating && duration !== 'one-time') {
     throw {
       message: `User already has active recurring donation(s).`,
@@ -224,6 +225,18 @@ export async function createStripeCardDonation(req, res, stripe) {
     };
   }
 
+  /*
+   * card donations is blocked for new users
+   */
+
+  const threeChallengesCompleted = user.completedChallenges.length >= 3;
+  if (!threeChallengesCompleted) {
+    throw {
+      message: `Donate using another method`,
+      type: 'MethodRestrictionError'
+    };
+  }
+
   let customerId;
   try {
     const customer = await stripe.customers.create({