function createSettingsMock({setDirect, setConnect}) {
    const getStub = sinon.stub();

    getStub.withArgs('members_signup_access').returns('all');
    getStub.withArgs('stripe_secret_key').returns(setDirect ? 'direct_secret' : null);
    getStub.withArgs('stripe_publishable_key').returns(setDirect ? 'direct_publishable' : null);
    getStub.withArgs('stripe_plans').returns([{
        name: 'Monthly',
        currency: 'usd',
        interval: 'month',
        amount: 1000
    }, {
        name: 'Yearly',
        currency: 'usd',
        interval: 'year',
        amount: 10000
    }]);

    getStub.withArgs('stripe_connect_secret_key').returns(setConnect ? 'connect_secret' : null);
    getStub.withArgs('stripe_connect_publishable_key').returns(setConnect ? 'connect_publishable' : null);
    getStub.withArgs('stripe_connect_livemode').returns(true);
    getStub.withArgs('stripe_connect_display_name').returns('Test');
    getStub.withArgs('stripe_connect_account_id').returns('ac_XXXXXXXXXXXXX');

    getStub.withArgs('members_private_key').returns('PRIVATE');
    getStub.withArgs('members_public_key').returns('PUBLIC');

    return {
        get: getStub
    };
}
@param {object} options
@param {boolean} options.setDirect - Whether the "direct" keys should be set
@param {boolean} options.setConnect - Whether the connect_integration keys should be set