Laravel ALATPay SDK

An independent, open-source Laravel SDK for integrating ALATPay (a payment product by Wema Bank) into your Laravel application with virtual account bank transfers, USSD (Pay-with-Phone), Pay-with-Account-Number direct debit, and Static Wallets.

Disclaimer: This package is an independent, community-built SDK. It is not affiliated with, endorsed by, or maintained by Wema Bank PLC or ALATPay. It simply wraps their publicly documented HTTP API for convenient use inside Laravel applications.

Features

• 🏦 Bank Transfer — generate one-time virtual accounts and confirm transaction status
• 📱 USSD (Pay with Phone) — initiate and complete phone-based direct debits
• 💳 Pay with Account Number — OTP-based direct debit from a Wema Bank account
• 🗂 Static Wallets — create and manage Individual & Collection wallets, list accounts, and pull collection history
• 📊 Transaction Monitoring — list/filter every transaction across all payment channels, or fetch one by ID
• 💰 Settlements — retrieve and filter settlement/payout records for your business
• ⚡️ Laravel auto-discovery, Facade, and a clean, chainable service API
• 🧰 Built on Laravel's native Http client — no extra HTTP dependencies
• ✅ Typed exceptions (AlatPayException) with status code, raw API context, and helper methods matching ALATPay's documented error codes
• 🧪 Fully tested with Pest + Orchestra Testbench

Installation

Install via Composer:

composer require royalbcode/laravel-alatpay

The package auto-registers its service provider and AlatPay facade. Publish the config file:

php artisan vendor:publish --tag=alatpay-config

Add your credentials to .env:

ALATPAY_SECRET_KEY=your-secret-key
ALATPAY_PUBLIC_KEY=your-public-key
ALATPAY_BUSINESS_ID=your-business-id
ALATPAY_BASE_URL=https://apibox.alatpay.ng
ALATPAY_TIMEOUT=30

You can find your keys and Business ID on your ALATPay dashboard under Settings → Business (requires your ALATPay PIN).

Usage

You can resolve the client via the AlatPay facade, dependency injection, or the alatpay container binding.

1. Bank Transfer (Virtual Account)

use RoyalBcode\AlatPay\Facades\AlatPay;

// Step 1: generate a virtual account for the customer to pay into
$virtualAccount = AlatPay::bankTransfer()->generateVirtualAccount([
    'amount' => 5000,
    'orderId' => 'ORDER-001',
    'description' => 'Order payment',
    'customer' => [
        'email' => 'johndoe@email.com',
        'phone' => '08000000001',
        'firstName' => 'John',
        'lastName' => 'Doe',
    ],
]);

$transactionId = $virtualAccount['data']['transactionId'];
$accountNumber = $virtualAccount['data']['virtualBankAccountNumber'];

// Step 2: poll/confirm the transaction status
$status = AlatPay::bankTransfer()->confirmTransaction($transactionId);

2. USSD (Pay with Phone)

// Step 1: initiate
$initiated = AlatPay::ussd()->initiate([
    'amount' => 250,
    'customer' => [
        'email' => 'example@example.com',
        'phone' => '1234567890',
        'firstName' => 'John',
        'lastName' => 'Doe',
    ],
    'phonenumber' => '0987654321',
]);

$transactionId = $initiated['data']['transactionId'];

// Step 2: customer approves the prompt on their phone, then validate
$result = AlatPay::ussd()->validateAndPay([
    'phonenumber' => '0987654321',
    'amount' => 250,
    'transactionId' => $transactionId,
]);

3. Pay with Account Number

// Step 1: send an OTP to the account owner's registered phone number
$otp = AlatPay::accountNumber()->sendOtp([
    'amount' => 1000,
    'customer' => [
        'email' => 'jane.joe@email.com',
        'phone' => '+2348000000001',
        'firstName' => 'Jane',
        'lastName' => 'Joe',
    ],
    'accountNumber' => '0123456789',
    // 'bankCode' => '035', // defaults to Wema Bank's code automatically
]);

$transactionId = $otp['data']['transactionId'];

// Step 2: validate the OTP entered by the customer
$result = AlatPay::accountNumber()->validateAndPay([
    'otp' => '332610',
    'transactionId' => $transactionId,
]);

4. Static Wallets

use RoyalBcode\AlatPay\Services\StaticWalletService;

// Create an individual wallet (BVN-linked)
$wallet = AlatPay::staticWallet()->create([
    'staticWalletType' => StaticWalletService::WALLET_TYPE_INDIVIDUAL,
    'bvn' => '12345678901',
    'email' => 'owner@example.com', // optional
]);

// Validate the OTP sent to the BVN-linked phone number
$created = AlatPay::staticWallet()->validateAndCreate([
    'staticWalletId' => $wallet['id'],
    'otp' => '332610',
    'trackingId' => $wallet['otpTrackingID'],
]);

// List all static wallets for the business
$wallets = AlatPay::staticWallet()->list(['page' => 1, 'limit' => 10]);

// Pull collection/transaction history
$history = AlatPay::staticWallet()->history(['page' => 1, 'limit' => 10]);

// Get details for one wallet
$details = AlatPay::staticWallet()->details($wallet['id']);

5. Transaction Monitoring

// List/filter all transactions across every payment channel
$transactions = AlatPay::transactions()->all([
    'page' => 1,
    'limit' => 20,
    'status' => 'completed',       // optional
    'paymentMethod' => 'BankTransfer', // optional
    'amount' => 5000,              // optional
    'startAt' => '2026-01-01',     // optional
    'endAt' => '2026-01-31',       // optional
]);

// Fetch a single transaction by its ID
$transaction = AlatPay::transactions()->find('transaction-id');

6. Settlements

// List/filter settlement (payout) records for your business
$settlements = AlatPay::settlements()->all([
    'status' => 'settled',      // optional
    'startAt' => '2026-01-01',  // optional
    'endAt' => '2026-01-31',    // optional
]);

Error Handling

Every service method throws RoyalBcode\AlatPay\Exceptions\AlatPayException when ALATPay returns a failure response (non-2xx status, or "status": false in the payload):

use RoyalBcode\AlatPay\Exceptions\AlatPayException;

try {
    AlatPay::bankTransfer()->generateVirtualAccount([...]);
} catch (AlatPayException $e) {
    $e->getMessage();      // ALATPay's error message
    $e->getStatusCode();   // HTTP status code returned
    $e->getContext();      // Full decoded JSON response body

    // Convenience checks matching ALATPay's documented response codes
    $e->isBadRequest();                     // 400 - missing/invalid parameters
    $e->isUnauthorized();                   // 401 - invalid Ocp-Apim-Subscription-Key
    $e->isVirtualAccountGenerationFailed();  // 417 - contact ALATPay support
    $e->isValidationError();                // 422 - a required field is missing
    $e->isServerError();                    // 5xx - something went wrong on ALATPay's end
}

ALATPay's documented response codes:

Using Without the Facade

Resolve the client from the container if you prefer constructor injection:

use RoyalBcode\AlatPay\AlatPay;

class CheckoutController
{
    public function __construct(private AlatPay $alatPay) {}

    public function store()
    {
        return $this->alatPay->bankTransfer()->generateVirtualAccount([...]);
    }
}

Testing

composer install
vendor/bin/pest

All HTTP calls in the test suite are mocked with Laravel's Http::fake() — no live ALATPay credentials are required to run the tests.

Roadmap

• Transaction monitoring (list, filter, single lookup)
• Settlement records (list, filter)
• Card payment channel
• Webhook signature verification helper
• Artisan command for quick credential/connectivity checks

Contributing

Issues and pull requests are welcome at the GitHub repository.

Security

If you discover a security issue, please email the maintainers directly rather than opening a public issue.

License

Released under the MIT License.

Credits

Developed and maintained by Royal Bcode Ventures Ltd Lead Developer: Gift Balogun — giftbalogun.name.ng GitHub: github.com/Royal-Bcode-Ventures

This is an independent open-source project built for developer education and portfolio purposes. It is not affiliated with, endorsed by, or sponsored by Wema Bank PLC or ALATPay.