README

Official PHP SDK for the ZarPay payment gateway.

Installation

composer require zarpay/zarpay-php

Quick Start

<?php
require 'vendor/autoload.php';

$zarpay = new \ZarPay\ZarPay('sk_sandbox_xxxxxxxxxxxxx');

$payment = $zarpay->payments->create([
    'merchant_order_id' => 'ORD-123',
    'amount' => 1500,
    'channel_id' => 1,
    'customer_phone' => '03001234567',
]);

echo $payment['data']['status'];
echo $payment['data']['payment_method_label'];

Payments

// Create a payment
$payment = $zarpay->payments->create([
    'merchant_order_id' => 'ORD-456',
    'amount' => 2500,
    'channel_id' => 1,
    'customer_phone' => '03001234567',
    'metadata' => ['customer_name' => 'Ahmed Khan'],
    'idempotency_key' => 'unique-key-456',
]);

// Get by ZarPay ID
$payment = $zarpay->payments->get('ZP_abc123def456');

// Get by your order ID
$payment = $zarpay->payments->getByOrderId('ORD-456');

Refunds

$refund = $zarpay->refunds->create([
    'zarpay_id' => 'ZP_abc123def456',
    'amount' => 500,
    'reason' => 'Customer requested refund',
]);

echo $refund['data']['status']; // 'pending' — requires admin approval

Balance

$balance = $zarpay->balance->get();

echo 'Available: ' . $balance['data']['available'];
echo 'Settled: ' . $balance['data']['settled'];
echo 'Unsettled: ' . $balance['data']['unsettled'];
echo 'Pending: ' . $balance['data']['pending'];

Settlements

$settlements = $zarpay->settlements->list([
    'status' => 'PAID',
    'page' => 1,
    'limit' => 10,
]);

foreach ($settlements['data']['settlements'] as $s) {
    echo "#{$s['id']}: PKR {$s['net_amount']} ({$s['status']})\n";
}

Channels

$channels = $zarpay->channels->list();

foreach ($channels['data']['channels'] as $ch) {
    echo "{$ch['id']}: {$ch['label']} ({$ch['wallet_type']})\n";
    echo "{$ch['logo_url']}\n";
}

Verify Webhooks

$rawBody = file_get_contents('php://input');
$signature = $_SERVER['HTTP_X_ZARPAY_SIGNATURE'] ?? '';

try {
    $event = \ZarPay\ZarPay::verifyWebhook(
        $rawBody,
        $signature,
        'whsec_your_webhook_secret'
    );

    switch ($event['event']) {
        case 'payment.completed':
            // Fulfill the order
            break;
        case 'refund.completed':
            // Update order status
            break;
        case 'settlement.paid':
            // Record settlement
            break;
    }

    http_response_code(200);
} catch (\Exception $e) {
    http_response_code(400);
}

Error Handling

use ZarPay\ZarPayAPIError;

try {
    $payment = $zarpay->payments->create([...]);
} catch (ZarPayAPIError $e) {
    echo $e->statusCode;  // 400, 401, 409, etc.
    echo $e->error;       // Human-readable error
}

Configuration

$zarpay = new \ZarPay\ZarPay('sk_sandbox_xxx', [
    'base_url' => 'http://localhost:3550/api/v1',
    'timeout' => 60,
]);

API Reference

Requirements

• PHP 7.4+
• ext-curl
• ext-json

License

MIT