validate.php

<?php


request()->validate([
    'email' => ['required', 'email'],
    'payment_token' => [ValidPaymentToken::with($param1, $param2)],    
], [
    // messages
]);

ValidPaymentToken.php

<?php

use Illuminate\Contracts\Validation\Rule;

class ValidPaymentToken implements Rule;
{
    private $gateway;
    private $param1;
    private $param2;

    public function __construct(CreditCardGateway $gateway, $param1, $param2)
    {
        $this->gateway = $gateway;
        $this->param1 = $param1;
        $this->param2 = $param2;
    }

    public static function with(...$params)
    {
        return app()->makeWith(self::class, ...$params);
    }

    public function passes($attribute, $value)
    {
        // validate stuff;
    }
    
    public function message()
    {
        return 'custom message';
    }
}