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Example code of itamelions/mono-php-sdk

Informations about the package mono-php-sdk

mono-php

Latest Version on Packagist PHP Version CI

Unofficial community PHP SDK for the Mono open banking API.
Supports Mandates, Debits, Customers, Accounts, Banks, and Webhooks.
No framework coupling — works in any PHP 8.1+ project (Laravel, Symfony, plain PHP, etc.).

Requirements

Installation

Quick Start

Configuration

Set your Mono secret key as an environment variable:

Then inject it:

Resource Reference

Customer

Account

Mandate

E-mandate / Sweep activation delay: Do not call charge() until you receive the events.mandates.ready webhook. After a customer approves a sweep or e-mandate, Mono requires up to 3 hours before the mandate is ready to debit. Calling charge() before ready fires will return a Mono API error.

Amounts: All amount values must be in the lowest denomination of the account currency — kobo for NGN (100 kobo = ₦1). Pass 500000 for ₦5,000, not 5000.

Dates: start_date and end_date accept Y-m-d strings (e.g. '2026-01-01'). Mono interprets them as midnight UTC. If your application runs in a non-UTC timezone, use UTC-based date logic to avoid off-by-one errors on the mandate start or expiry day.

Debit

Bank

Webhook Verification

Mono signs each webhook request body with your webhook secret using HMAC-SHA512 and sends the hex digest in the mono-webhook-secret HTTP header.

Basic usage

Manual signature verification

Idempotency

Mono may retry unacknowledged webhook deliveries up to 25 times over 48 hours. Always deduplicate on event_id before calling process() to avoid double-processing:

Supported webhook events (non-exhaustive)

Event Description
events.mandates.created Mandate initiated; awaiting customer approval
events.mandates.approved Customer approved the mandate
events.mandates.ready Mandate ready to debit — wait for this before calling charge()
events.mandates.rejected Mandate was rejected
events.mandate.action.pause Mandate was paused
events.mandate.action.reinstate Paused mandate was reinstated
events.mandate.action.cancel Mandate was cancelled
events.mandates.expired Mandate has passed its end date
events.mandates.debit.processing Debit pending NIBSS confirmation
events.mandates.debit.successful Debit succeeded
events.mandates.debit.failed Debit failed

Error Handling

All API errors throw subclasses of Mono\Exceptions\MonoApiException:

Exception When thrown
MonoApiException Any API error (4xx/5xx) or network failure
MonoNotFoundException API returns 404 Not Found

Running Tests

Tests use Mockery to mock the Guzzle HTTP client — no live API calls are made.

What This SDK Covers

Resource Methods
Customer create, update, fetch, list
Account auth, fetch, transactions, identity, income, unlink
Mandate initiate, create, fetch, list, pause, reinstate, cancel, balanceCheck
Debit charge, fetch, all
Bank list
Webhook process, verifySignature, on() listener

Version Roadmap

Version Scope
v1.0 Accounts, Customers, Mandates, Debits, Banks, Webhooks
v1.1 Laravel service provider + facade
v1.2 Retry middleware, configurable timeout
v2.0 Full Mono Connect (statement, income, identity)

Contributing

Contributions are welcome! Please open an issue or submit a pull request.

  1. Fork the repository
  2. Create a feature branch: git checkout -b feature/my-feature
  3. Write tests for your changes
  4. Ensure all tests pass: ./vendor/bin/phpunit
  5. Open a pull request

License

MIT — see LICENSE.

Disclaimer

This is an unofficial community SDK. It is not maintained by or affiliated with Mono. Refer to the official Mono API docs for the authoritative API reference.

All versions of mono-php-sdk with dependencies

PHP Build Version
Package Version
Requires php Version ^8.1
guzzlehttp/guzzle Version ^7.0
Composer command for our command line client (download client) This client runs in each environment. You don't need a specific PHP version etc. The first 20 API calls are free. Standard composer command

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