Limit myCRED Gateway in WooCommerce based on balance

/**
 * Load Checkout Override
 * @version 1.0
 */
add_action( 'after_setup_theme', 'mycred_pro_setup_woo_mycred_checkout', 120 );
function mycred_pro_setup_woo_mycred_checkout() {

    if ( ! function_exists( 'mycred' ) || ! is_user_logged_in() ) return;

    remove_filter( 'woocommerce_available_payment_gateways', 'mycred_woo_available_gateways' );
    add_filter( 'woocommerce_available_payment_gateways', 'mycred_pro_woo_checkout_limit' );

}

/**
 * Limit Checkout Gateways
 * Removes the myCRED gateway if a user has less then 5000 points
 * @version 1.0
 */
function mycred_pro_woo_checkout_limit( $gateway ) {

    // prep
    $user_id = get_current_user_id();
    $mycred = mycred();

    // user is excluded
    if ( $mycred->exclude_user( $user_id ) ) {
        unset( $gateways['mycred'] );
        return $gateways;
    }

    // balance check
    $balance = $mycred->get_users_balance( $user_id );
    if ( $balance < 5000 ) {
        unset( $gateways['mycred'] );
        return $gateways;
    }

    return $gateways;

}