/**
     * Apply Payment Failed tags when a charge fails in Stripe.
     *
     * @since 3.37.13
     *
     * @param \Stripe\Event  $event  Stripe webhook event.
     * @param \Stripe\Charge $charge Stripe Charge.
     */
    public function charge_failed( $event, $charge ) {

        $settings = get_post_meta( $charge->metadata->simpay_form_id, 'wpf_settings_simple_pay', true );

        if ( empty( $settings ) || false == $settings['enable'] || empty( $settings['apply_tags_payment_failed'] ) ) {
            return;
        }

        $user = get_user_by( 'email', $charge->customer->email );

        wp_fusion()->user->apply_tags( $settings['apply_tags_payment_failed'], $user->ID );

    }