Laravel Monnify SDK

A comprehensive Laravel package for integrating with the Monnify payment gateway. This package provides a clean, fluent interface for handling transactions, invoices, subaccounts, and webhooks.

Features

• ✅ Complete Monnify API coverage (Transactions, Invoices, Subaccounts)
• ✅ Automatic token management with caching
• ✅ Webhook handling with signature verification
• ✅ Laravel Events for transaction status changes
• ✅ Database migrations for storing transactions/invoices locally
• ✅ Type-safe DTOs for all API responses
• ✅ Facade support for clean, expressive API
• ✅ Comprehensive exception handling
• ✅ Full test coverage structure

Requirements

• PHP >= 8.1 (PHP 8.2+ required for Laravel 12)
• Laravel >= 10.0, >= 11.0, or >= 12.0
• Guzzle HTTP Client

Installation

Install the package via Composer:

composer require scwar/laravel-monnify-sdk

Publish Configuration

Publish the configuration file:

php artisan vendor:publish --tag=monnify-config

This will create a config/monnify.php file in your application.

Publish Migrations

Publish the database migrations:

php artisan vendor:publish --tag=monnify-migrations

Run the migrations:

php artisan migrate

Environment Variables

Add the following environment variables to your .env file:

MONNIFY_API_KEY=your_api_key
MONNIFY_SECRET_KEY=your_secret_key
MONNIFY_CONTRACT_CODE=your_contract_code
MONNIFY_WEBHOOK_SECRET=your_webhook_secret
MONNIFY_BASE_URL=https://api.monnify.com
MONNIFY_REDIRECT_URL=https://your-app.com/payment/callback

For sandbox/testing, use:

MONNIFY_BASE_URL=https://sandbox.monnify.com

Configuration

The configuration file is located at config/monnify.php. You can customize:

• API credentials
• Base URL (sandbox/production)
• Webhook secret key
• Cache configuration
• Database table names
• Route prefix and middleware
• Default transaction/invoice settings

Usage

Using the Facade

The package provides a facade for easy access:

use Scwar\Monnify\Facades\Monnify;

Transactions

Initialize a Transaction

use Scwar\Monnify\Facades\Monnify;

$transaction = Monnify::transaction()->initialize([
    'amount' => 1000.00,
    'customerName' => 'John Doe',
    'customerEmail' => 'john@example.com',
    'paymentReference' => 'unique-payment-reference',
    'paymentDescription' => 'Payment for order #123',
    'currencyCode' => 'NGN',
    'redirectUrl' => 'https://your-app.com/payment/callback',
    'metadata' => [
        'order_id' => 123,
        'user_id' => 456,
    ],
]);

// Get the checkout URL
$checkoutUrl = $transaction->checkoutUrl;

// Redirect user to checkout
return redirect($checkoutUrl);

Get Transaction Status

$transaction = Monnify::transaction()->getStatus('transaction-reference');

if ($transaction->status === 'PAID') {
    // Transaction is successful
}

Verify Transaction

$transaction = Monnify::transaction()->verify('transaction-reference');

Refund Transaction

$refund = Monnify::transaction()->refund(
    transactionReference: 'transaction-reference',
    amount: 1000.00,
    refundReason: 'Customer requested refund',
    customerNote: 'Refund processed'
);

Query Transaction History

$transactions = Monnify::transaction()->queryHistory([
    'page' => 0,
    'size' => 20,
    'fromDate' => '2024-01-01',
    'toDate' => '2024-01-31',
]);

Invoices

Create an Invoice

$invoice = Monnify::invoice()->create([
    'amount' => 5000.00,
    'invoiceReference' => 'unique-invoice-reference',
    'description' => 'Invoice for services',
    'currencyCode' => 'NGN',
    'contractCode' => config('monnify.contract_code'),
    'customerEmail' => 'customer@example.com',
    'customerName' => 'Jane Doe',
    'expiryDate' => now()->addDays(7)->toIso8601String(),
    'lineItems' => [
        [
            'lineItemId' => 'item-1',
            'name' => 'Service Fee',
            'quantity' => 1,
            'unitPrice' => 5000.00,
        ],
    ],
]);

// Get the checkout URL
$checkoutUrl = $invoice->checkoutUrl;

Get Invoice Details

$invoice = Monnify::invoice()->getDetails('invoice-reference');

Cancel Invoice

Monnify::invoice()->cancel('invoice-reference');

List Invoices

$invoices = Monnify::invoice()->list([
    'page' => 0,
    'size' => 20,
]);

Subaccounts

Create Subaccount

$subaccount = Monnify::subaccount()->create([
    'subAccountCode' => 'SUB_001',
    'subAccountName' => 'Main Subaccount',
    'email' => 'subaccount@example.com',
    'splitPercentage' => 10.0,
]);

// Get the subaccount code
$subaccountCode = $subaccount['subAccountCode'];

Update Subaccount

Monnify::subaccount()->update('SUB_001', [
    'subAccountName' => 'Updated Name',
    'splitPercentage' => 15.0,
]);

Delete Subaccount

Monnify::subaccount()->delete('SUB_001');

Get Subaccount Details

$subaccount = Monnify::subaccount()->getDetails('SUB_001');

List Subaccounts

$subaccounts = Monnify::subaccount()->list([
    'page' => 0,
    'size' => 20,
]);

Webhooks

The package automatically sets up webhook routes. By default, the webhook endpoint is:

POST /api/monnify/webhook

You can customize this in the configuration file.

Webhook Events

The package automatically handles the following webhook events:

• SUCCESSFUL_TRANSACTION - Fires TransactionCompleted event
• FAILED_TRANSACTION - Fires TransactionFailed event
• OVERPAYMENT - Fires TransactionFailed event
• PARTIAL_OVERPAYMENT - Fires TransactionFailed event
• INVOICE_UPDATE - Updates invoice record

Listening to Events

You can listen to the events in your EventServiceProvider:

use Scwar\Monnify\Events\TransactionCompleted;
use Scwar\Monnify\Events\TransactionFailed;
use Scwar\Monnify\Events\WebhookReceived;

protected $listen = [
    TransactionCompleted::class => [
        // Your listeners
    ],
    TransactionFailed::class => [
        // Your listeners
    ],
    WebhookReceived::class => [
        // Your listeners
    ],
];

Example listener:

use Scwar\Monnify\Events\TransactionCompleted;

class SendPaymentConfirmation
{
    public function handle(TransactionCompleted $event)
    {
        $transaction = $event->transaction;
        
        // Send confirmation email
        // Update order status
        // etc.
    }
}

Webhook Signature Verification

The package automatically verifies webhook signatures using HMAC SHA512. Make sure to set MONNIFY_WEBHOOK_SECRET in your .env file.

Models

The package provides Eloquent models for transactions and invoices:

MonnifyTransaction

use Scwar\Monnify\Models\MonnifyTransaction;

// Get all successful transactions
$transactions = MonnifyTransaction::successful()->get();

// Get transactions for a customer
$transactions = MonnifyTransaction::forCustomer('customer@example.com')->get();

// Check transaction status
$transaction = MonnifyTransaction::where('transaction_reference', 'ref-123')->first();

if ($transaction->isSuccessful()) {
    // Transaction is paid
}

MonnifyInvoice

use Scwar\Monnify\Models\MonnifyInvoice;

// Get all paid invoices
$invoices = MonnifyInvoice::paid()->get();

// Get invoices for a customer
$invoices = MonnifyInvoice::forCustomer('customer@example.com')->get();

// Check invoice status
$invoice = MonnifyInvoice::where('invoice_reference', 'inv-123')->first();

if ($invoice->isPaid()) {
    // Invoice is paid
}

if ($invoice->isExpired()) {
    // Invoice has expired
}

Exceptions

The package provides custom exceptions:

• Scwar\Monnify\Exceptions\MonnifyException - Base exception
• Scwar\Monnify\Exceptions\AuthenticationException - Authentication errors
• Scwar\Monnify\Exceptions\RequestException - API request errors

Example:

use Scwar\Monnify\Exceptions\AuthenticationException;
use Scwar\Monnify\Exceptions\RequestException;

try {
    $transaction = Monnify::transaction()->initialize([...]);
} catch (AuthenticationException $e) {
    // Handle authentication error
} catch (RequestException $e) {
    // Handle request error
    $response = $e->getResponse();
}

Testing

Run the tests:

composer test

Or using PHPUnit directly:

vendor/bin/phpunit

API Documentation

For complete API documentation, visit the Monnify Developer Documentation.

Contributing

Contributions are welcome! Please feel free to submit a Pull Request.

License

This package is open-sourced software licensed under the MIT license.

Support

For issues and questions, please open an issue on GitHub.

Changelog

Please see CHANGELOG for more information on what has changed recently.