Initial Ladill Give extraction — online giving pages at give.ladill.com.

Donation checkout via Ladill Pay (9% fee), church/giving QR pages, SSO, and platform scan forwarding.

Co-authored-by: Cursor <cursoragent@cursor.com>

app/Services/Billing/BillingClient.php

@@ -0,0 +1,87 @@
+<?php
+
+namespace App\Services\Billing;
+
+use Illuminate\Support\Facades\Http;
+
+/**
+ * Client for the platform Billing HTTP API — the one UserWallet lives on the
+ * platform; Bird only consumes it. Amounts are integer minor units; the user is
+ * identified by public_id. Authenticates with the per-consumer config('billing.service') key.
+ * Contract validated in the monolith (smtp-extraction-runbook §4-A).
+ */
+class BillingClient
+{
+    private function base(): string
+    {
+        return rtrim((string) config('billing.api_url'), '/');
+    }
+
+    private function token(): string
+    {
+        return (string) (config('billing.api_key') ?? '');
+    }
+
+    private function get(string $path, array $query): array
+    {
+        $res = Http::withToken($this->token())->acceptJson()->timeout(10)->get($this->base().$path, $query);
+        $res->throw();
+
+        return (array) $res->json();
+    }
+
+    public function balanceMinor(string $publicId): int
+    {
+        return (int) ($this->get('/balance', ['user' => $publicId])['balance_minor'] ?? 0);
+    }
+
+    public function canAfford(string $publicId, int $amountMinor): bool
+    {
+        return (bool) ($this->get('/can-afford', ['user' => $publicId, 'amount_minor' => $amountMinor])['affordable'] ?? false);
+    }
+
+    public function serviceLedger(string $publicId, string $service): array
+    {
+        return $this->get('/service-ledger', ['user' => $publicId, 'service' => $service]);
+    }
+
+    /**
+     * Debit the wallet. Returns true on success, false on insufficient balance
+     * (HTTP 402). Idempotent by $reference.
+     */
+    public function debit(string $publicId, int $amountMinor, string $service, string $source, string $reference, ?int $serviceId = null, ?string $description = null): bool
+    {
+        $res = Http::withToken($this->token())->acceptJson()->timeout(10)->post($this->base().'/debit', array_filter([
+            'user' => $publicId,
+            'amount_minor' => $amountMinor,
+            'service' => $service,
+            'source' => $source,
+            'reference' => $reference,
+            'service_id' => $serviceId,
+            'description' => $description,
+        ], static fn ($v) => $v !== null));
+
+        if ($res->status() === 402) {
+            return false;
+        }
+        $res->throw();
+
+        return true;
+    }
+
+    public function credit(string $publicId, int $amountMinor, string $service, string $source, string $reference, ?int $serviceId = null, ?string $description = null): array
+    {
+        $res = Http::withToken($this->token())->acceptJson()->timeout(10)->post($this->base().'/credit', array_filter([
+            'user' => $publicId,
+            'amount_minor' => $amountMinor,
+            'service' => $service,
+            'source' => $source,
+            'reference' => $reference,
+            'service_id' => $serviceId,
+            'description' => $description,
+        ], static fn ($v) => $v !== null));
+        $res->throw();
+
+        return (array) $res->json();
+    }
+}

app/Services/Billing/PaystackService.php

@@ -0,0 +1,171 @@
+<?php
+
+namespace App\Services\Billing;
+
+use App\Models\PlatformSetting;
+use Illuminate\Http\Client\Response;
+use Illuminate\Support\Facades\Http;
+use Illuminate\Support\Facades\Schema;
+use RuntimeException;
+
+class PaystackService
+{
+    public function publicKey(): string
+    {
+        return (string) $this->settingValue('paystack_public_key', config('services.paystack.public_key', ''));
+    }
+
+    public function initializeTransaction(array $payload): array
+    {
+        return $this->initializeTransactionWithCredentials($payload);
+    }
+
+    public function initializeTransactionWithCredentials(array $payload, ?string $secretKey = null, ?string $baseUrl = null): array
+    {
+        $response = $this->request(secretKey: $secretKey, baseUrl: $baseUrl)
+            ->post('/transaction/initialize', $payload);
+
+        return $this->extractData($response, 'Failed to initialize Paystack transaction.');
+    }
+
+    public function verifyTransaction(string $reference): array
+    {
+        return $this->verifyTransactionWithCredentials($reference);
+    }
+
+    public function verifyTransactionWithCredentials(string $reference, ?string $secretKey = null, ?string $baseUrl = null): array
+    {
+        $response = $this->request(secretKey: $secretKey, baseUrl: $baseUrl)
+            ->get('/transaction/verify/' . urlencode($reference));
+
+        return $this->extractData($response, 'Failed to verify Paystack transaction.');
+    }
+
+    public function verifyWebhookSignature(string $rawBody, ?string $signature): bool
+    {
+        $secret = (string) $this->settingValue('paystack_webhook_secret', config('services.paystack.webhook_secret'));
+        if ($secret === '') {
+            $secret = (string) $this->settingValue('paystack_secret_key', config('services.paystack.secret_key'));
+        }
+        if ($secret === '' || !$signature) {
+            return false;
+        }
+
+        $computed = hash_hmac('sha512', $rawBody, $secret);
+        return hash_equals($computed, $signature);
+    }
+
+    protected function request(?string $secretKey = null, ?string $baseUrl = null)
+    {
+        $resolvedBaseUrl = rtrim((string) ($baseUrl ?: $this->settingValue('paystack_base_url', config('services.paystack.base_url', 'https://api.paystack.co'))), '/');
+        $secret = $this->normalizeSecretKey(
+            (string) ($secretKey ?: $this->settingValue('paystack_secret_key', config('services.paystack.secret_key')))
+        );
+
+        return Http::baseUrl($resolvedBaseUrl)
+            ->withToken($secret)
+            ->acceptJson()
+            ->asJson();
+    }
+
+    protected function settingsConnection(): string
+    {
+        return (string) config('billing.platform_settings_connection', 'platform');
+    }
+
+    protected function settingValue(string $key, mixed $fallback = null): mixed
+    {
+        try {
+            $connection = $this->settingsConnection();
+
+            if (! Schema::connection($connection)->hasTable('platform_settings')) {
+                return $fallback;
+            }
+
+            $setting = PlatformSetting::query()
+                ->where('key', $key)
+                ->where('is_active', true)
+                ->first();
+
+            return $setting ? ($setting->value['value'] ?? $fallback) : $fallback;
+        } catch (\Throwable) {
+            return $fallback;
+        }
+    }
+
+    protected function extractData(Response $response, string $message): array
+    {
+        if ($response->failed()) {
+            throw new RuntimeException($message);
+        }
+
+        $json = $response->json();
+        if (!is_array($json) || !($json['status'] ?? false)) {
+            throw new RuntimeException((string) ($json['message'] ?? $message));
+        }
+
+        $data = $json['data'] ?? null;
+        return is_array($data) ? $data : [];
+    }
+
+    /**
+     * List supported banks / mobile money providers.
+     * @param  string  $country  e.g. 'ghana', 'nigeria'
+     * @param  string  $type     'nuban', 'mobile_money', or '' for all
+     */
+    public function listBanks(string $country = 'ghana', string $type = '', ?string $currency = null): array
+    {
+        $query = ['perPage' => 200];
+        if ($currency !== null && $currency !== '') {
+            $query['currency'] = strtoupper($currency);
+        } else {
+            $query['country'] = $country;
+        }
+        if ($type !== '') {
+            $query['type'] = $type;
+        }
+        $response = $this->request()->get('/bank', $query);
+        $json = $response->json();
+        return is_array($json['data'] ?? null) ? $json['data'] : [];
+    }
+
+    /**
+     * Create a transfer recipient (bank account or mobile money).
+     * @param  array{type: string, name: string, account_number: string, bank_code: string, currency?: string}  $payload
+     */
+    public function createTransferRecipient(array $payload): array
+    {
+        $response = $this->request()->post('/transferrecipient', $payload);
+        return $this->extractData($response, 'Failed to create transfer recipient.');
+    }
+
+    /**
+     * Initiate a transfer to a recipient.
+     * @param  array{source: string, amount: int, recipient: string, reason?: string, reference?: string}  $payload
+     */
+    public function initiateTransfer(array $payload): array
+    {
+        $response = $this->request()->post('/transfer', $payload);
+        return $this->extractData($response, 'Failed to initiate transfer.');
+    }
+
+    /**
+     * Verify a transfer by reference.
+     */
+    public function verifyTransfer(string $reference): array
+    {
+        $response = $this->request()->get('/transfer/verify/' . urlencode($reference));
+        return $this->extractData($response, 'Failed to verify transfer.');
+    }
+
+    protected function normalizeSecretKey(string $secret): string
+    {
+        $normalized = trim($secret);
+
+        if (str_starts_with(strtolower($normalized), 'bearer ')) {
+            $normalized = trim(substr($normalized, 7));
+        }
+
+        return $normalized;
+    }
+}

app/Services/Billing/SmsService.php

@@ -0,0 +1,43 @@
+<?php
+
+namespace App\Services\Billing;
+
+use Illuminate\Support\Facades\Http;
+use Illuminate\Support\Facades\Log;
+
+class SmsService
+{
+    public function send(string $to, string $message): void
+    {
+        $apiKey = config('services.termii.api_key', '');
+        $senderId = config('services.termii.sender_id', config('app.name', 'LaDill'));
+
+        if ($apiKey === '') {
+            return;
+        }
+
+        $phone = preg_replace('/\D+/', '', $to);
+        if (strlen($phone) < 9) {
+            return;
+        }
+
+        if (strlen($phone) === 9) {
+            $phone = '233'.$phone;
+        } elseif (str_starts_with($phone, '0')) {
+            $phone = '233'.substr($phone, 1);
+        }
+
+        try {
+            Http::timeout(10)->post('https://v3.api.termii.com/api/sms/send', [
+                'api_key' => $apiKey,
+                'to' => $phone,
+                'from' => $senderId,
+                'sms' => $message,
+                'type' => 'plain',
+                'channel' => 'dnd',
+            ]);
+        } catch (\Throwable $e) {
+            Log::warning('SMS send failed', ['to' => $phone, 'error' => $e->getMessage()]);
+        }
+    }
+}