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Example code of paylode/paylode-php

Informations about the package paylode-php

paylode-php

Official PHP SDK for Paylode Services Limited — CBN Licensed Payment Solution Service Provider (PSSP).

Packagist Version PHP Version

Requirements

Installation

Zero external dependencies — uses PHP cURL extension only.

Quick start

API reference

new Paylode($secretKey, $sandbox = null)

Parameter Type Description
$secretKey string Your sk_live_... or sk_test_... key (required)
$sandbox bool|null Force sandbox mode (auto-detected from key prefix)

$client->transaction

->initialize(array $params) → array

Initialize a new payment. Redirect your customer to $result['data']['authorization_url'].

Key Type Required Description
email string Yes Customer email address
amount int Yes Amount in kobo (minimum ₦100 = 10000 kobo)
reference string No Unique transaction reference (auto-generated if omitted)
currency string No 'NGN' (default)
callback_url string No URL to redirect customer after payment
channels string[] No ['card', 'bank_transfer', 'ussd', 'direct_debit']
metadata array No Arbitrary key-value pairs — returned in webhooks

->verify(string $reference) → array

Verify a transaction. Always call this server-side before fulfilling any order.

->list(...) → array

->fetch(string $transactionId) → array

->refund(string $reference, ?int $amount = null, string $reason = '') → array

$client->customer

$client->subaccount — for aggregators

Subaccounts represent merchants under an aggregator. Paylode uses them to automatically split settlement at the point of transaction.

$client->settlement

Paylode::verifyWebhook() — static

Verify a webhook signature from Paylode. Call at the top of every webhook handler before processing the event.

Static helpers

KYC tier limits

Error handling

Sandbox / test mode

Test cards for the checkout page:

Card number Result
4084 0841 1111 1111 Success
4084 0841 1111 1112 Insufficient funds
4084 0841 1111 1113 Declined

Complete integration example (Laravel)

Running tests

Paylode Services Limited · CBN/PAY/2024/001847 · docs.paylodeservices.com

All versions of paylode-php with dependencies

PHP Build Version
Package Version
Requires php Version >=7.4
ext-curl Version *
ext-json Version *
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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