ladill-give/app/Services/Payments/MerchantGatewayService.php

<?php

namespace App\Services\Payments;

use App\Models\PaymentGatewaySetting;
use App\Models\User;
use App\Services\Billing\PlanEntitlementService;
use Illuminate\Support\Facades\Http;
use RuntimeException;

class MerchantGatewayService
{
    public function __construct(private readonly PlanEntitlementService $entitlements) {}

    public function settingFor(User|string $owner): ?PaymentGatewaySetting
    {
        $ownerRef = $owner instanceof User ? (string) $owner->public_id : (string) $owner;

        return PaymentGatewaySetting::query()->where('owner_ref', $ownerRef)->first();
    }

    public function shouldUseOwnerGateway(User $owner): bool
    {
        return $this->entitlements->canUseCustomPaymentGateway($owner)
            && (bool) $this->settingFor($owner)?->isConfigured();
    }

    /** @return array{checkout_url:string,reference:string,provider:string} */
    public function initialize(User $owner, int $amountMinor, string $currency, string $email, string $callbackUrl, string $reference, array $metadata = []): array
    {
        if (! $this->shouldUseOwnerGateway($owner)) {
            throw new RuntimeException('Owner gateway is not available.');
        }

        $setting = $this->settingFor($owner);
        $response = Http::withToken((string) $setting->secret_key)->acceptJson()->timeout(20)
            ->post('https://api.paystack.co/transaction/initialize', [
                'email' => $email !== '' ? $email : 'pay@ladill.com',
                'amount' => $amountMinor,
                'currency' => strtoupper($currency ?: 'GHS'),
                'reference' => $reference,
                'callback_url' => $callbackUrl,
                'metadata' => $metadata,
            ]);

        if (! $response->successful() || ! ($response->json('status') ?? false) || ! $response->json('data.authorization_url')) {
            throw new RuntimeException($response->json('message') ?: 'Paystack could not start checkout.');
        }

        return [
            'checkout_url' => (string) $response->json('data.authorization_url'),
            'reference' => (string) ($response->json('data.reference') ?: $reference),
            'provider' => PaymentGatewaySetting::PROVIDER_PAYSTACK,
        ];
    }

    /** @return array<string,mixed> */
    public function verify(User|string $owner, string $reference): array
    {
        $setting = $this->settingFor($owner);
        if (! $setting?->isConfigured()) {
            throw new RuntimeException('The owner gateway used for this payment is no longer configured.');
        }

        $response = Http::withToken((string) $setting->secret_key)->acceptJson()->timeout(20)
            ->get('https://api.paystack.co/transaction/verify/'.rawurlencode($reference));
        $data = (array) ($response->json('data') ?? []);

        return [
            'paid' => ($response->json('status') ?? false) && strtolower((string) ($data['status'] ?? '')) === 'success',
            'amount_minor' => (int) ($data['amount'] ?? 0),
            'reference' => (string) ($data['reference'] ?? $reference),
            'provider' => PaymentGatewaySetting::PROVIDER_PAYSTACK,
            'raw' => $data,
        ];
    }
}