README

Version: 0.1.0
Status: In Development
PHP: ^8.3
Extends: azaharizaman/nexus-payment

Overview

Nexus\PaymentRails is an extension package for Nexus\Payment providing payment rail implementations for ACH, Wire Transfer, Check, RTGS, and other payment networks. This package handles the specifics of each payment method including validation, fee calculation, processing time, and execution.

Installation

composer require azaharizaman/nexus-payment-rails

Features

• ACH Payments - Automated Clearing House (US banking network)
• Wire Transfers - SWIFT/Fedwire/CHIPS
• Check Processing - Physical check generation and positive pay
• RTGS - Real-Time Gross Settlement
• Virtual Cards - Single-use virtual card generation
• Rail Selection - Automatic optimal rail selection based on criteria

Quick Start

use Nexus\PaymentRails\Contracts\PaymentRailSelectorInterface;
use Nexus\PaymentRails\Contracts\PaymentRailInterface;

final readonly class DisbursementService
{
    public function __construct(
        private PaymentRailSelectorInterface $railSelector,
    ) {}

    public function processPayment(PaymentRequest $request): PaymentResult
    {
        // Auto-select optimal rail based on amount, urgency, cost
        $rail = $this->railSelector->selectOptimalRail($request);
        
        // Execute via selected rail
        return $rail->execute($request);
    }
}

Available Rails

Documentation

• Requirements
• Implementation Summary
• Test Suite Summary

License

MIT License. See LICENSE for details.