Options for using custom PHP in a wordpress site? No FTP access

I don’t know if that answers your question.
But if you have a child theme in FTP, you can go to wp-content -> theme -> The folder of your child theme, here you will find everything you need.

Otherwise if you only have a parent theme, you can still create a child theme, but the design risks being broken. Otherwise, there are plugins to integrate code for PHP

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