Route Mini payments through Ladill Pay API.

Checkout and settlement now go via platform Pay instead of direct Paystack + Billing credit, with legacy MIN-* support retained.

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

.env.example

@@ -34,6 +34,9 @@ LADILL_SSO_CLIENT_SECRET=
 BILLING_API_URL=https://ladill.com/api/billing
 BILLING_API_KEY_MINI=
 
+PAY_API_URL=https://ladill.com/api/pay
+PAY_API_KEY_MINI=
+
 IDENTITY_API_URL=https://ladill.com/api
 IDENTITY_API_KEY_MINI=
 

DEPLOY.md

@@ -23,6 +23,7 @@ main app DB user.
 |---|---|
 | `LADILL_SSO_CLIENT_ID` / `LADILL_SSO_CLIENT_SECRET` | `passport:client` on platform |
 | `BILLING_API_KEY_MINI` | platform `.env` + this app |
+| `PAY_API_KEY_MINI` | platform `.env` (`PAY_API_KEY_MINI`) + this app — Ladill Pay checkout |
 | `IDENTITY_API_KEY_MINI` | platform `.env` + this app |
 | `PLATFORM_DB_*` | read `ladilldb.platform_settings` (Paystack keys from admin → Billing) |
 

app/Models/MiniPayment.php

@@ -15,6 +15,7 @@ class MiniPayment extends Model
     public const PLATFORM_FEE_RATE = 0.05;
 
     protected $fillable = [
+        'pay_order_id',
         'qr_code_id',
         'user_id',
         'reference',

app/Services/Mini/MiniPaymentService.php

@@ -7,12 +7,14 @@ use App\Models\QrCode;
 use App\Services\Billing\BillingClient;
 use App\Services\Billing\PaystackService;
 use App\Services\Billing\SmsService;
+use App\Services\Pay\PayClient;
 use Illuminate\Support\Str;
 use RuntimeException;
 
 class MiniPaymentService
 {
     public function __construct(
+        private PayClient $pay,
         private PaystackService $paystack,
         private BillingClient $billing,
         private SmsService $sms,
@@ -36,7 +38,7 @@ class MiniPaymentService
         $qrCode->loadMissing('user');
         $amountMinor = (int) round($amountGhs * 100);
         $reference = 'MINP-'.strtoupper(Str::random(16));
-        $payRef = 'MIN-'.strtoupper(Str::random(16));
+        $businessName = $qrCode->content()['business_name'] ?? $qrCode->label ?? 'Payment';
 
         $payment = MiniPayment::create([
             'qr_code_id' => $qrCode->id,
@@ -49,38 +51,81 @@ class MiniPaymentService
             'payer_phone' => null,
             'payer_note' => null,
             'status' => MiniPayment::STATUS_PENDING,
-            'payment_reference' => $payRef,
+            'payment_reference' => null,
         ]);
 
-        $paystackData = $this->paystack->initializeTransaction([
-            'email' => (string) config('services.paystack.checkout_email', 'pay@ladill.com'),
-            'amount' => $amountMinor,
-            'currency' => $payment->currency,
-            'reference' => $payRef,
+        $payOrder = $this->pay->createCheckout([
+            'merchant' => $qrCode->user->public_id,
+            'fee_tier' => 'payments',
+            'source_service' => 'mini',
+            'source_ref' => (string) $qrCode->id,
             'callback_url' => route('qr.public.payment.callback', ['shortCode' => $qrCode->short_code]),
+            'line_items' => [
+                [
+                    'name' => $businessName,
+                    'unit_price_minor' => $amountMinor,
+                    'quantity' => 1,
+                ],
+            ],
             'metadata' => [
                 'mini_payment_id' => $payment->id,
+                'mini_reference' => $reference,
                 'qr_code_id' => $qrCode->id,
-                'merchant_id' => $qrCode->user_id,
             ],
         ]);
 
-        $checkoutUrl = $paystackData['authorization_url']
-            ?? (isset($paystackData['access_code']) && $paystackData['access_code'] !== ''
-                ? 'https://checkout.paystack.com/'.$paystackData['access_code']
-                : '');
+        $payment->update([
+            'pay_order_id' => $payOrder['id'] ?? null,
+            'payment_reference' => $payOrder['reference'],
+            'platform_fee_minor' => $payOrder['platform_fee_minor'] ?? null,
+            'merchant_amount_minor' => $payOrder['merchant_amount_minor'] ?? null,
+        ]);
 
+        $checkoutUrl = (string) ($payOrder['checkout_url'] ?? '');
         if ($checkoutUrl === '') {
-            throw new RuntimeException('Could not start Paystack checkout. Please try again.');
+            throw new RuntimeException('Could not start checkout. Please try again.');
         }
 
         return [
-            'payment' => $payment,
+            'payment' => $payment->fresh(),
             'checkout_url' => $checkoutUrl,
         ];
     }
 
     public function complete(string $paymentReference): MiniPayment
+    {
+        if (str_starts_with($paymentReference, 'LP-')) {
+            return $this->completeLadillPay($paymentReference);
+        }
+
+        return $this->completeLegacy($paymentReference);
+    }
+
+    private function completeLadillPay(string $reference): MiniPayment
+    {
+        $payment = MiniPayment::where('payment_reference', $reference)
+            ->where('status', MiniPayment::STATUS_PENDING)
+            ->firstOrFail();
+
+        $payOrder = $this->pay->verify($reference);
+
+        $payment->update([
+            'status' => MiniPayment::STATUS_PAID,
+            'amount_minor' => (int) ($payOrder['amount_minor'] ?? $payment->amount_minor),
+            'platform_fee_minor' => (int) ($payOrder['platform_fee_minor'] ?? 0),
+            'merchant_amount_minor' => (int) ($payOrder['merchant_amount_minor'] ?? 0),
+            'pay_order_id' => $payOrder['id'] ?? $payment->pay_order_id,
+            'paid_at' => now(),
+            'metadata' => array_merge((array) $payment->metadata, ['ladill_pay' => $payOrder]),
+        ]);
+
+        $this->notifyPayer($payment->fresh(['qrCode', 'merchant']));
+
+        return $payment;
+    }
+
+    /** Legacy MIN-* references before Ladill Pay migration. */
+    private function completeLegacy(string $paymentReference): MiniPayment
     {
         $payment = MiniPayment::where('payment_reference', $paymentReference)
             ->where('status', MiniPayment::STATUS_PENDING)
@@ -103,14 +148,12 @@ class MiniPaymentService
             'platform_fee_minor' => $platformFeeMinor,
             'merchant_amount_minor' => $merchantMinor,
             'paid_at' => now(),
-            'metadata' => array_merge((array) $payment->metadata, ['paystack' => $data]),
+            'metadata' => array_merge((array) $payment->metadata, ['paystack' => $data, 'legacy' => true]),
         ]);
 
-        $merchant = $payment->merchant;
         $businessName = $payment->qrCode?->content()['business_name'] ?? $payment->qrCode?->label ?? 'Payment QR';
-
         $this->billing->credit(
-            $merchant->public_id,
+            $payment->merchant->public_id,
             $merchantMinor,
             'mini',
             'pay',
@@ -119,19 +162,28 @@ class MiniPaymentService
             sprintf('Payment via %s', $businessName),
         );
 
-        if ($payment->payer_phone) {
-            $this->sms->send(
-                $payment->payer_phone,
-                sprintf(
-                    'Payment of %s %s to %s confirmed. Ref: %s',
-                    $payment->currency,
-                    number_format($paidMinor / 100, 2),
-                    $businessName,
-                    $payment->reference
-                )
-            );
+        $this->notifyPayer($payment->fresh(['qrCode', 'merchant']));
+
+        return $payment;
+    }
+
+    private function notifyPayer(MiniPayment $payment): void
+    {
+        if (! $payment->payer_phone) {
+            return;
         }
 
-        return $payment->fresh(['qrCode', 'merchant']);
+        $businessName = $payment->qrCode?->content()['business_name'] ?? $payment->qrCode?->label ?? 'Payment QR';
+
+        $this->sms->send(
+            $payment->payer_phone,
+            sprintf(
+                'Payment of %s %s to %s confirmed. Ref: %s',
+                $payment->currency,
+                number_format($payment->amount_minor / 100, 2),
+                $businessName,
+                $payment->reference
+            )
+        );
     }
 }

app/Services/Pay/PayClient.php

@@ -0,0 +1,50 @@
+<?php
+
+namespace App\Services\Pay;
+
+use Illuminate\Support\Facades\Http;
+
+/**
+ * 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.
+ */
+class PayClient
+{
+    private function base(): string
+    {
+        return rtrim((string) config('pay.api_url'), '/');
+    }
+
+    private function token(): string
+    {
+        return (string) (config('pay.api_key') ?? '');
+    }
+
+    /** @param array<string,mixed> $payload */
+    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();
+    }
+
+    public function verify(string $reference): array
+    {
+        $res = Http::withToken($this->token())->acceptJson()->timeout(15)->post($this->base().'/checkouts/verify', [
+            'reference' => $reference,
+        ]);
+        $res->throw();
+
+        return (array) $res->json();
+    }
+
+    public function show(string $reference): array
+    {
+        $res = Http::withToken($this->token())->acceptJson()->timeout(10)->get($this->base().'/orders/'.$reference);
+        $res->throw();
+
+        return (array) $res->json();
+    }
+}

config/pay.php

@@ -0,0 +1,6 @@
+<?php
+
+return [
+    'api_url' => env('PAY_API_URL', 'https://ladill.com/api/pay'),
+    'api_key' => env('PAY_API_KEY_MINI'),
+];

database/migrations/2026_06_08_130000_add_pay_order_id_to_mini_payments_table.php

@@ -0,0 +1,22 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::table('mini_payments', function (Blueprint $table) {
+            $table->unsignedBigInteger('pay_order_id')->nullable()->after('id');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::table('mini_payments', function (Blueprint $table) {
+            $table->dropColumn('pay_order_id');
+        });
+    }
+};