Collect MoMo MSISDN and open waiting page on Pay.

Payment QR was still Paystack-only: no customer_phone and mobile iframe sheet. Require MoMo number, pass it to Ladill Pay, and full-page redirect for mtn_momo waiting URLs.

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

app/Services/Mini/MiniPaymentService.php

@@ -25,8 +25,8 @@ class MiniPaymentService
     ) {}
 
     /**
-     * @param  array{amount: float}  $data
-     * @return array{payment: MiniPayment, checkout_url: string}
+     * @param  array{amount: float, customer_phone?: string}  $data
+     * @return array{payment: MiniPayment, checkout_url: string, provider: string}
      */
     public function initiate(QrCode $qrCode, array $data): array
     {
@@ -39,6 +39,11 @@ class MiniPaymentService
             throw new RuntimeException('Enter an amount greater than zero.');
         }
 
+        $customerPhone = trim((string) ($data['customer_phone'] ?? ''));
+        if ($customerPhone === '') {
+            throw new RuntimeException('Enter your MoMo number to pay.');
+        }
+
         $qrCode->loadMissing('user');
         $amountMinor = (int) round($amountGhs * 100);
         $reference = 'MINP-'.strtoupper(Str::random(16));
@@ -52,7 +57,7 @@ class MiniPaymentService
             'currency' => $qrCode->content()['currency'] ?? 'GHS',
             'payer_name' => null,
             'payer_email' => null,
-            'payer_phone' => null,
+            'payer_phone' => $customerPhone,
             'payer_note' => null,
             'status' => MiniPayment::STATUS_PENDING,
             'payment_reference' => null,
@@ -64,6 +69,7 @@ class MiniPaymentService
             'source_service' => 'mini',
             'source_ref' => (string) $qrCode->id,
             'callback_url' => LadillLink::path($qrCode->short_code, 'pay/callback'),
+            'customer_phone' => $customerPhone,
             'line_items' => [
                 [
                     'name' => $businessName,
@@ -93,6 +99,7 @@ class MiniPaymentService
         return [
             'payment' => $payment->fresh(),
             'checkout_url' => $checkoutUrl,
+            'provider' => (string) ($payOrder['provider'] ?? ''),
         ];
     }
 

app/Services/Pay/PayClient.php

@@ -2,12 +2,14 @@
 
 namespace App\Services\Pay;
 
+use Illuminate\Http\Client\Response;
 use Illuminate\Support\Facades\Http;
+use RuntimeException;
 
 /**
  * Client for the platform Ladill Pay HTTP API — checkout and settlement for
- * merchant↔buyer money. Paystack is the processor today; settlement lands in
- * the one UserWallet via Platform Billing.
+ * merchant↔buyer money. Provider is configured on the platform
+ * (PAY_DEFAULT_PROVIDER); settlement lands via wallet or direct MoMo.
  */
 class PayClient
 {
@@ -25,9 +27,8 @@ class PayClient
     public function createCheckout(array $payload): array
     {
         $res = Http::withToken($this->token())->acceptJson()->timeout(15)->post($this->base().'/checkouts', $payload);
-        $res->throw();
 
-        return (array) $res->json();
+        return $this->jsonOrFail($res, 'Could not start checkout. Please try again.');
     }
 
     public function verify(string $reference): array
@@ -35,16 +36,36 @@ class PayClient
         $res = Http::withToken($this->token())->acceptJson()->timeout(15)->post($this->base().'/checkouts/verify', [
             'reference' => $reference,
         ]);
-        $res->throw();
 
-        return (array) $res->json();
+        return $this->jsonOrFail($res, 'Could not verify payment. Please try again.');
     }
 
     public function show(string $reference): array
     {
         $res = Http::withToken($this->token())->acceptJson()->timeout(10)->get($this->base().'/orders/'.$reference);
-        $res->throw();
+
+        return $this->jsonOrFail($res, 'Could not load payment order.');
+    }
+
+    /** @return array<string,mixed> */
+    private function jsonOrFail(Response $res, string $fallback): array
+    {
+        if ($res->failed()) {
+            throw new RuntimeException($this->errorMessage($res, $fallback));
+        }
 
         return (array) $res->json();
     }
+
+    private function errorMessage(Response $res, string $fallback): string
+    {
+        $message = $res->json('error') ?? $res->json('message');
+        if (is_array($message)) {
+            $message = collect($message)->flatten()->first();
+        }
+
+        $message = trim((string) ($message ?? ''));
+
+        return $message !== '' ? $message : $fallback;
+    }
 }