Stripe charge creation

public function auth($reservation_id, $token, $beneficiary_stripe_account_id, $amount_in_dollars, $is_app_fee_applied = null)
    {
        \Stripe\Stripe::setApiKey(STRIPE_SECRET_KEY);

        $amount_in_cents = $amount_in_dollars * 100;

        $payment_details = [
            'amount'            => $amount_in_cents,
            'currency'          => 'usd',
            'capture'           => false,
            'source'            => $token,
            'description'       => 'description',
        ];

        if ($is_app_fee_applied) {
            $payment_details['application_fee'] = ceil($amount_in_cents * 0.121 - 30);
        }

        $payment_headers = [
            'stripe_account' => $beneficiary_stripe_account_id,
        ];

        try {
            return \Stripe\Charge::create($payment_details, $payment_headers);
        }
        catch (\Stripe\Error\Card $e) {
            return $e->getJsonBody()['error']['message'];
        }
    }