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Example code of kangopenbanking/sdk

Informations about the package sdk

kangopenbanking/sdk

Official PHP SDK for the Kang Open Banking (KOB) API with first-class Laravel support.

Requirements

Installation

Laravel auto-discovery

The service provider and facade are auto-discovered. Publish the config with:

Then set in .env:

Authentication

The Kang Open Banking platform uses OAuth 2.0 for production-track (ga) endpoints, matching what is documented at https://kangopenbanking.com/developer/getting-started:

Flow When to use
client_credentials Server-to-server (your backend ↔ KOB)
authorization_code + PKCE (S256) End-user delegated access (AISP / PISP)
Sandbox API key (sbx_…) via X-API-Key Quick sandbox testing only — never in prod

Server-to-server (client_credentials)

The SDK handles the token request, caching, and refresh for you when a client_secret is provided:

You can also fetch a token explicitly:

Authorization Code + PKCE (user-delegated)

The SDK helps you build the authorization URL and exchange the returned code for a token. PKCE verifier/challenge generation and storage are your application's responsibility — generate them with your framework and persist them alongside the user's session.

The SDK does not persist tokens for you. Store them in your session, cache, or database according to your security model.

Sandbox API key

For quick sandbox testing, you can skip OAuth entirely by passing an sbx_… key. The SDK will send it as X-API-Key:

Quick start

Available resources

These match the public methods exposed by KangOpenBanking\KangOpenBanking (see src/KangOpenBanking.php):

Property Class
$kob->accounts AccountsResource
$kob->balances BalancesResource
$kob->transactions TransactionsResource
$kob->beneficiaries BeneficiariesResource
$kob->charges ChargesResource
$kob->refunds RefundsResource
$kob->payouts PayoutsResource
$kob->gateway GatewayResource
$kob->sandbox SandboxResource
$kob->webhooks WebhooksResource
$kob->payByBank PayByBankResource
$kob->globalAccounts GlobalAccountsResource

Webhook verification

Laravel middleware

Error handling

Rate limits

Endpoint group Limit
Token endpoint 100 / hour per client
AISP endpoints 1,000 / hour per consent
PISP endpoints 500 / hour per client
Gateway endpoints 1,000 / hour per merchant

HTTP 429 responses include a Retry-After header.

Other language SDKs

Each SDK is versioned and released independently. Check each package page for its current status and version before depending on it:

Support

License

MIT

All versions of sdk with dependencies

PHP Build Version
Package Version
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