PHP code example of itamelions / mono-php-sdk

    
        
<?php
require_once('vendor/autoload.php');

/* Start to develop here. Best regards https://php-download.com/ */

    

itamelions / mono-php-sdk example snippets

use Mono\Mono;

$mono = new Mono($_ENV['MONO_SECRET_KEY']);

// Create a customer
$customer = $mono->customer()->create([
    'email'      => '[email protected]',
    'first_name' => 'John',
    'last_name'  => 'Doe',
    'phone'      => '+2348000000000',
    'identity'   => ['type' => 'bvn', 'number' => '12345678901'],
]);
$customerId = $customer['data']['id'];

// Initiate a hosted mandate (returns a mono_url — redirect your user there)
$initiation = $mono->mandate()->initiate([
    'amount'       => 5000000,        // amount in kobo (₦50,000)
    'type'         => 'recurring-debit',
    'method'       => 'mandate',
    'mandate_type' => 'sweep',
    'debit_type'   => 'variable',
    'reference'    => 'your-unique-ref',
    'redirect_url' => 'https://yourapp.com/mandate/callback',
    'customer'     => ['id' => $customerId],
    'start_date'   => '2026-01-01',           // Mono interprets bare dates as midnight UTC
    'end_date'     => '2031-01-01',
]);

$monoUrl = $initiation['data']['mono_url'];
// → redirect the user to $monoUrl to complete mandate authorisation

$mono = new Mono(getenv('MONO_SECRET_KEY'));

$mono->customer()->create(array $params): array
$mono->customer()->update(string $customerId, array $params): array
$mono->customer()->fetch(string $customerId): array
$mono->customer()->list(array $query = []): array   // supports: page, limit

// Exchange a Mono Connect auth code for an account ID (call once after Connect flow)
$mono->account()->auth(string $code): array

$mono->account()->fetch(string $accountId): array
$mono->account()->transactions(string $accountId, int $limit = 100, array $query = []): array
$mono->account()->identity(string $accountId): array
$mono->account()->income(string $accountId): array
$mono->account()->unlink(string $accountId): array

// Hosted mandate setup — returns mono_url to redirect user
$mono->mandate()->initiate(array $params): array

// Direct / e-mandate creation
$mono->mandate()->create(array $params): array

$mono->mandate()->fetch(string $mandateId): array
$mono->mandate()->list(array $query = []): array       // supports: page, limit
$mono->mandate()->pause(string $mandateId): array
$mono->mandate()->reinstate(string $mandateId): array
$mono->mandate()->cancel(string $mandateId): array
$mono->mandate()->balanceCheck(string $mandateId, ?int $amountInKobo = null): array

// Charge a mandate (ge(string $mandateId, array $params): array

$mono->debit()->fetch(string $mandateId, string $reference): array
$mono->debit()->all(string $mandateId, array $query = []): array

$mono->bank()->list(): array

use Mono\Webhook;
use Mono\Exceptions\MonoApiException;

$webhook = new Webhook($_ENV['MONO_WEBHOOK_SECRET']);

$webhook->on('events.mandates.created', function (array $data) {
    // persist $data or enqueue a job
    echo "Mandate created: " . $data['id'];
});

$webhook->on('events.mandates.debit.successful', function (array $data) {
    echo "Debit succeeded: " . $data['reference_number'];
});

// Catch-all — receives every event
$webhook->on('*', function (string $event, array $data) {
    error_log("Mono event: {$event}");
});

try {
    $rawBody  = file_get_contents('php://input');
    $sigHeader = $_SERVER['HTTP_MONO_WEBHOOK_SECRET'] ?? '';

    $webhook->process($rawBody, $sigHeader);

    http_response_code(200);
} catch (MonoApiException $e) {
    http_response_code($e->getCode() ?: 400);
    echo $e->getMessage();
}

$isValid = $webhook->verifySignature($rawBody, $sigHeader); // bool

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

$preview = json_decode($rawBody, true);
$eventId = $preview['event_id'] ?? null;

if ($eventId && YourCache::has($eventId)) {
    http_response_code(200);
    exit; // already handled
}

$webhook->process($rawBody, $sigHeader);

if ($eventId) {
    YourCache::put($eventId, true, ttl: 86400);
}

use Mono\Exceptions\MonoApiException;
use Mono\Exceptions\MonoNotFoundException;

try {
    $mandate = $mono->mandate()->fetch('mmc_invalid');
} catch (MonoNotFoundException $e) {
    echo "Not found: " . $e->getMessage();
} catch (MonoApiException $e) {
    echo "API error {$e->getCode()}: " . $e->getMessage();
}

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