README

Lightweight package providing Philippine bank and EMI directory.

Purpose

Provides bank/EMI data without payment operation dependencies.
Use this when you need to:

• List available banks and EMIs
• Check settlement rail support
• Build bank directory applications
• Query EMI restrictions

Usage

use LBHurtado\MoneyIssuer\Support\BankRegistry;

$registry = new BankRegistry();

// Get all banks
$banks = $registry->all(); // array of 146 banks

// Find specific bank
$gcash = $registry->find('GXCHPHM2XXX');
// ['full_name' => 'G-Xchange / GCash', ...]

// Get EMIs only
$emis = $registry->getEMIs(); // Collection

// Check rail support (respects EMI restrictions)
$rails = $registry->getAllowedRails('GXCHPHM2XXX');
// ['INSTAPAY'] - GCash only supports INSTAPAY

// Check if bank is EMI
$isEmi = $registry->isEMI('GXCHPHM2XXX'); // true
$isEmi = $registry->isEMI('BOPIPHMM'); // false (BPI)

// Get human-readable name
$name = $registry->getBankName('GXCHPHM2XXX'); // 'GCash'

Installation

composer require lbhurtado/money-issuer
php artisan vendor:publish --tag=banks-registry

Configuration

Bank Restrictions

EMI restrictions are defined in config/bank-restrictions.php:

return [
    'emi_restrictions' => [
        'GXCHPHM2XXX' => [
            'allowed_rails' => ['INSTAPAY'],
            'name' => 'GCash',
            'reason' => 'EMI - Real-time transfers only'
        ],
        // ... more EMIs
    ],
];

Publish config:

php artisan vendor:publish --tag=config --provider="LBHurtado\MoneyIssuer\MoneyIssuerServiceProvider"

Architecture

Separation of Concerns:

• money-issuer = Bank/EMI directory (data + registry)
• payment-gateway = Payment operations (depends on money-issuer)

Benefits:

• Lightweight: Use in apps that need bank data without payment logic
• Reusable: Build bank directories, EMI comparison tools, routing services
• Dependency direction: Lower-level package holds foundational data

Updating Bank Data

See docs/BANKS_JSON_UPDATE.md for update procedures.

Package Dependencies

This package depends on:

• Laravel Framework
• No payment or transaction packages

Packages that depend on this:

• lbhurtado/payment-gateway