Replace Ladill Pay POS checkouts with merchant gateways.

Register Card/MoMo payments through merchant Paystack, Flutterwave, or Hubtel settings so takings settle 100% to the business.

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

app/Http/Controllers/Pos/SettingsController.php

@@ -6,13 +6,16 @@ use App\Http\Controllers\Controller;
 use App\Http\Controllers\Pos\Concerns\ScopesToAccount;
 use App\Models\PosLocation;
 use App\Models\PosMember;
+use App\Models\PaymentGatewaySetting;
 use App\Models\PosTable;
 use App\Services\Import\CrmProductImportService;
 use App\Services\Import\MerchantCatalogImportService;
+use App\Services\Payments\MerchantGatewayService;
 use App\Services\Pos\PosLocationService;
 use Illuminate\Http\RedirectResponse;
 use Illuminate\Http\Request;
 use Illuminate\Support\Facades\Storage;
+use Illuminate\Validation\Rule;
 use Illuminate\View\View;
 use RuntimeException;
 
@@ -23,6 +26,7 @@ class SettingsController extends Controller
     public function __construct(
         private PosLocationService $locations,
         private \App\Services\Pos\SubscriptionService $subscriptions,
+        private MerchantGatewayService $gateway,
     ) {}
 
     public function index(Request $request): View
@@ -47,6 +51,7 @@ class SettingsController extends Controller
             'merchantImportEnabled' => (bool) config('pos.merchant_import_enabled', true),
             'tables' => $this->scopeToLocation($request, PosTable::owned($owner))
                 ->orderBy('area')->orderBy('position')->orderBy('label')->get(),
+            'gateway' => $this->gateway->settingFor($account),
         ]);
     }
 
@@ -62,6 +67,16 @@ class SettingsController extends Controller
             'remove_receipt_logo' => ['sometimes', 'boolean'],
             'printer_paper_mm' => ['required', 'in:58,80'],
             'printer_auto_print' => ['sometimes', 'boolean'],
+            'gateway_provider' => ['nullable', Rule::in([
+                PaymentGatewaySetting::PROVIDER_PAYSTACK,
+                PaymentGatewaySetting::PROVIDER_FLUTTERWAVE,
+                PaymentGatewaySetting::PROVIDER_HUBTEL,
+                '',
+            ])],
+            'gateway_public_key' => ['nullable', 'string', 'max:2000'],
+            'gateway_secret_key' => ['nullable', 'string', 'max:2000'],
+            'gateway_webhook_secret' => ['nullable', 'string', 'max:2000'],
+            'gateway_is_active' => ['nullable', 'boolean'],
         ]);
 
         $user = ladill_account() ?? $request->user();
@@ -98,6 +113,8 @@ class SettingsController extends Controller
             'receipt_logo_path' => $location->receipt_logo_path,
         ]);
 
+        $this->persistGateway($request, $user);
+
         return back()->with('success', 'Settings saved.');
     }
 

app/Models/PaymentGatewaySetting.php

@@ -0,0 +1,50 @@
+<?php
+
+namespace App\Models;
+
+use Illuminate\Database\Eloquent\Model;
+
+class PaymentGatewaySetting extends Model
+{
+    public const PROVIDER_PAYSTACK = 'paystack';
+
+    public const PROVIDER_FLUTTERWAVE = 'flutterwave';
+
+    public const PROVIDER_HUBTEL = 'hubtel';
+
+    protected $fillable = [
+        'owner_ref',
+        'provider',
+        'public_key',
+        'secret_key',
+        'webhook_secret',
+        'is_active',
+        'metadata',
+    ];
+
+    protected function casts(): array
+    {
+        return [
+            'public_key' => 'encrypted',
+            'secret_key' => 'encrypted',
+            'webhook_secret' => 'encrypted',
+            'is_active' => 'boolean',
+            'metadata' => 'array',
+        ];
+    }
+
+    public function isConfigured(): bool
+    {
+        if (! $this->is_active) {
+            return false;
+        }
+
+        $secret = trim((string) $this->secret_key);
+
+        return $secret !== '' && in_array($this->provider, [
+            self::PROVIDER_PAYSTACK,
+            self::PROVIDER_FLUTTERWAVE,
+            self::PROVIDER_HUBTEL,
+        ], true);
+    }
+}

app/Services/Afia/AfiaService.php

@@ -91,17 +91,17 @@ class AfiaService
 
         return <<<PROMPT
         You are Afia, the assistant inside Ladill POS (pos.ladill.com).
-        Help users run the in-store register — taking sales, charging by cash or Ladill Pay, managing the product catalog, and reading their sales history. Be concise, friendly, and actionable: short numbered steps and name the screen or section to use.
+        Help users run the in-store register — taking sales, charging by cash or Card / MoMo, managing the product catalog, and reading their sales history. Be concise, friendly, and actionable: short numbered steps and name the screen or section to use.
 
         What Ladill POS does and where things live:
         - Overview (Dashboard): today's takings, number of sales, active products, and recent sales.
-        - Register: the point-of-sale screen — add catalog products or a quick custom amount to the cart, then charge by cash or Ladill Pay (MoMo/card).
+        - Register: the point-of-sale screen — add catalog products or a quick custom amount to the cart, then charge by cash or Card / MoMo (MoMo/card).
         - Products: the local catalog (name, SKU, price). Products can also be imported from Ladill CRM in Settings.
         - Sales: history of completed sales with receipts; a paid sale can be turned into a Ladill Invoice.
         - Settings: store details, default currency, and importing products from CRM or the Merchant storefront.
 
         Rules:
-        - Only answer questions about Ladill POS — the register, sales, products, checkout (cash/Ladill Pay), receipts, and settings.
+        - Only answer questions about Ladill POS — the register, sales, products, checkout (cash/Card / MoMo), receipts, and settings.
         - If asked about contacts, invoices, domains, hosting, email mailboxes, or QR codes, briefly say those live in other Ladill apps and suggest the app launcher.
         - Never invent figures (takings, counts) — use the user context below or tell them where to check.
 

app/Services/Payments/MerchantGatewayService.php

@@ -0,0 +1,288 @@
+<?php
+
+namespace App\Services\Payments;
+
+use App\Models\PaymentGatewaySetting;
+use App\Models\User;
+use Illuminate\Support\Facades\Http;
+use RuntimeException;
+
+class MerchantGatewayService
+{
+    public function settingFor(User|string $owner): ?PaymentGatewaySetting
+    {
+        $ownerRef = $owner instanceof User ? (string) $owner->public_id : $owner;
+
+        return PaymentGatewaySetting::query()->where('owner_ref', $ownerRef)->first();
+    }
+
+    public function isConfigured(User|string $owner): bool
+    {
+        return (bool) $this->settingFor($owner)?->isConfigured();
+    }
+
+    /**
+     * @param  array<string, mixed>  $metadata
+     * @return array{checkout_url: string, reference: string, provider: string}
+     */
+    public function initializeCheckout(
+        User|string $owner,
+        int $amountMinor,
+        string $currency,
+        string $email,
+        string $callbackUrl,
+        string $reference,
+        array $metadata = [],
+    ): array {
+        $setting = $this->requireConfigured($owner);
+        $currency = strtoupper($currency ?: 'GHS');
+
+        return match ($setting->provider) {
+            PaymentGatewaySetting::PROVIDER_PAYSTACK => $this->paystackInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+            PaymentGatewaySetting::PROVIDER_FLUTTERWAVE => $this->flutterwaveInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+            PaymentGatewaySetting::PROVIDER_HUBTEL => $this->hubtelInitialize($setting, $amountMinor, $currency, $email, $callbackUrl, $reference, $metadata),
+            default => throw new RuntimeException('Unsupported payment provider.'),
+        };
+    }
+
+    /**
+     * @return array{paid: bool, amount_minor: int, reference: string, provider: string, raw: array<string, mixed>}
+     */
+    public function verify(User|string $owner, string $reference): array
+    {
+        $setting = $this->requireConfigured($owner);
+
+        return match ($setting->provider) {
+            PaymentGatewaySetting::PROVIDER_PAYSTACK => $this->paystackVerify($setting, $reference),
+            PaymentGatewaySetting::PROVIDER_FLUTTERWAVE => $this->flutterwaveVerify($setting, $reference),
+            PaymentGatewaySetting::PROVIDER_HUBTEL => $this->hubtelVerify($setting, $reference),
+            default => throw new RuntimeException('Unsupported payment provider.'),
+        };
+    }
+
+    protected function requireConfigured(User|string $owner): PaymentGatewaySetting
+    {
+        $setting = $this->settingFor($owner);
+        if (! $setting?->isConfigured()) {
+            throw new RuntimeException('Connect Paystack, Flutterwave, or Hubtel in Settings before accepting online payments.');
+        }
+
+        return $setting;
+    }
+
+    /**
+     * @param  array<string, mixed>  $metadata
+     * @return array{checkout_url: string, reference: string, provider: string}
+     */
+    protected function paystackInitialize(
+        PaymentGatewaySetting $setting,
+        int $amountMinor,
+        string $currency,
+        string $email,
+        string $callbackUrl,
+        string $reference,
+        array $metadata,
+    ): array {
+        $response = Http::withToken((string) $setting->secret_key)
+            ->acceptJson()
+            ->timeout(20)
+            ->post('https://api.paystack.co/transaction/initialize', [
+                'email' => $email !== '' ? $email : 'payer@example.com',
+                'amount' => $amountMinor,
+                'currency' => $currency,
+                'reference' => $reference,
+                'callback_url' => $callbackUrl,
+                'metadata' => $metadata,
+            ]);
+
+        if (! $response->successful() || ! ($response->json('status') ?? false)) {
+            throw new RuntimeException($response->json('message') ?: 'Paystack could not start checkout.');
+        }
+
+        $url = (string) $response->json('data.authorization_url');
+        if ($url === '') {
+            throw new RuntimeException('Paystack did not return a checkout URL.');
+        }
+
+        return [
+            'checkout_url' => $url,
+            'reference' => (string) ($response->json('data.reference') ?: $reference),
+            'provider' => PaymentGatewaySetting::PROVIDER_PAYSTACK,
+        ];
+    }
+
+    /**
+     * @return array{paid: bool, amount_minor: int, reference: string, provider: string, raw: array<string, mixed>}
+     */
+    protected function paystackVerify(PaymentGatewaySetting $setting, string $reference): array
+    {
+        $response = Http::withToken((string) $setting->secret_key)
+            ->acceptJson()
+            ->timeout(20)
+            ->get('https://api.paystack.co/transaction/verify/'.rawurlencode($reference));
+
+        $data = (array) ($response->json('data') ?? []);
+        $paid = ($response->json('status') ?? false)
+            && strtolower((string) ($data['status'] ?? '')) === 'success';
+
+        return [
+            'paid' => $paid,
+            'amount_minor' => (int) ($data['amount'] ?? 0),
+            'reference' => (string) ($data['reference'] ?? $reference),
+            'provider' => PaymentGatewaySetting::PROVIDER_PAYSTACK,
+            'raw' => $data,
+        ];
+    }
+
+    /**
+     * @param  array<string, mixed>  $metadata
+     * @return array{checkout_url: string, reference: string, provider: string}
+     */
+    protected function flutterwaveInitialize(
+        PaymentGatewaySetting $setting,
+        int $amountMinor,
+        string $currency,
+        string $email,
+        string $callbackUrl,
+        string $reference,
+        array $metadata,
+    ): array {
+        $response = Http::withToken((string) $setting->secret_key)
+            ->acceptJson()
+            ->timeout(20)
+            ->post('https://api.flutterwave.com/v3/payments', [
+                'tx_ref' => $reference,
+                'amount' => round($amountMinor / 100, 2),
+                'currency' => $currency,
+                'redirect_url' => $callbackUrl,
+                'customer' => [
+                    'email' => $email !== '' ? $email : 'payer@example.com',
+                ],
+                'customizations' => [
+                    'title' => (string) ($metadata['title'] ?? 'Payment'),
+                ],
+                'meta' => $metadata,
+            ]);
+
+        if (! $response->successful() || ($response->json('status') ?? '') !== 'success') {
+            throw new RuntimeException($response->json('message') ?: 'Flutterwave could not start checkout.');
+        }
+
+        $url = (string) $response->json('data.link');
+        if ($url === '') {
+            throw new RuntimeException('Flutterwave did not return a checkout URL.');
+        }
+
+        return [
+            'checkout_url' => $url,
+            'reference' => $reference,
+            'provider' => PaymentGatewaySetting::PROVIDER_FLUTTERWAVE,
+        ];
+    }
+
+    /**
+     * @return array{paid: bool, amount_minor: int, reference: string, provider: string, raw: array<string, mixed>}
+     */
+    protected function flutterwaveVerify(PaymentGatewaySetting $setting, string $reference): array
+    {
+        $response = Http::withToken((string) $setting->secret_key)
+            ->acceptJson()
+            ->timeout(20)
+            ->get('https://api.flutterwave.com/v3/transactions/verify_by_reference', [
+                'tx_ref' => $reference,
+            ]);
+
+        $data = (array) ($response->json('data') ?? []);
+        $paid = ($response->json('status') ?? '') === 'success'
+            && strtolower((string) ($data['status'] ?? '')) === 'successful';
+        $amountMajor = (float) ($data['amount'] ?? 0);
+
+        return [
+            'paid' => $paid,
+            'amount_minor' => (int) round($amountMajor * 100),
+            'reference' => (string) ($data['tx_ref'] ?? $reference),
+            'provider' => PaymentGatewaySetting::PROVIDER_FLUTTERWAVE,
+            'raw' => $data,
+        ];
+    }
+
+    /**
+     * @param  array<string, mixed>  $metadata
+     * @return array{checkout_url: string, reference: string, provider: string}
+     */
+    protected function hubtelInitialize(
+        PaymentGatewaySetting $setting,
+        int $amountMinor,
+        string $currency,
+        string $email,
+        string $callbackUrl,
+        string $reference,
+        array $metadata,
+    ): array {
+        // Hubtel: public_key = merchant account number, secret_key = API key (client secret),
+        // webhook_secret optionally stores client id for Basic auth as "clientId:clientSecret".
+        $auth = trim((string) ($setting->webhook_secret ?: $setting->secret_key));
+        if (! str_contains($auth, ':')) {
+            $auth = trim((string) $setting->public_key).':'.trim((string) $setting->secret_key);
+        }
+
+        $response = Http::withBasicAuth(...explode(':', $auth, 2))
+            ->acceptJson()
+            ->timeout(20)
+            ->post('https://payproxyapi.hubtel.com/items/initiate', [
+                'totalAmount' => round($amountMinor / 100, 2),
+                'description' => (string) ($metadata['title'] ?? 'Payment'),
+                'callbackUrl' => $callbackUrl,
+                'returnUrl' => $callbackUrl,
+                'merchantAccountNumber' => (string) $setting->public_key,
+                'cancellationUrl' => $callbackUrl,
+                'clientReference' => $reference,
+            ]);
+
+        if (! $response->successful()) {
+            throw new RuntimeException($response->json('message') ?: 'Hubtel could not start checkout.');
+        }
+
+        $url = (string) ($response->json('data.checkoutUrl') ?? $response->json('data.checkoutDirectUrl') ?? '');
+        if ($url === '') {
+            throw new RuntimeException('Hubtel did not return a checkout URL.');
+        }
+
+        return [
+            'checkout_url' => $url,
+            'reference' => $reference,
+            'provider' => PaymentGatewaySetting::PROVIDER_HUBTEL,
+        ];
+    }
+
+    /**
+     * @return array{paid: bool, amount_minor: int, reference: string, provider: string, raw: array<string, mixed>}
+     */
+    protected function hubtelVerify(PaymentGatewaySetting $setting, string $reference): array
+    {
+        $auth = trim((string) ($setting->webhook_secret ?: $setting->secret_key));
+        if (! str_contains($auth, ':')) {
+            $auth = trim((string) $setting->public_key).':'.trim((string) $setting->secret_key);
+        }
+
+        $response = Http::withBasicAuth(...explode(':', $auth, 2))
+            ->acceptJson()
+            ->timeout(20)
+            ->get('https://api-txnstatus.hubtel.com/transactions/'.$setting->public_key.'/status', [
+                'clientReference' => $reference,
+            ]);
+
+        $data = (array) ($response->json('data') ?? $response->json() ?? []);
+        $status = strtolower((string) ($data['status'] ?? $data['transactionStatus'] ?? ''));
+        $paid = in_array($status, ['success', 'successful', 'paid', 'completed'], true);
+        $amountMajor = (float) ($data['amount'] ?? $data['totalAmount'] ?? 0);
+
+        return [
+            'paid' => $paid,
+            'amount_minor' => (int) round($amountMajor * 100),
+            'reference' => $reference,
+            'provider' => PaymentGatewaySetting::PROVIDER_HUBTEL,
+            'raw' => $data,
+        ];
+    }
+}

app/Services/Pos/PosSaleService.php

@@ -10,14 +10,14 @@ use App\Models\PosSaleLine;
 use App\Models\PosSaleLineModifier;
 use App\Models\PosTable;
 use App\Models\User;
-use App\Services\Pay\PayClient;
+use App\Services\Payments\MerchantGatewayService;
 use Illuminate\Support\Str;
 use RuntimeException;
 
 class PosSaleService
 {
     public function __construct(
-        private PayClient $pay,
+        private MerchantGatewayService $gateway,
         private PosTimelineService $timeline,
     ) {}
 
@@ -281,7 +281,7 @@ class PosSaleService
     }
 
     /**
-     * Start a Ladill Pay checkout for part (or all) of a ticket's balance.
+     * Start a Card / MoMo checkout for part (or all) of a ticket's balance.
      *
      * @return array{payment: PosPayment, checkout_url: string}
      */
@@ -300,48 +300,39 @@ class PosSaleService
             'status' => PosPayment::STATUS_PENDING,
         ]);
 
-        $payOrder = $this->pay->createCheckout([
-            'merchant' => $merchant->public_id,
-            'fee_tier' => 'sales',
-            'source_service' => 'pos',
-            'source_ref' => 'payment:'.$payment->id,
-            'callback_url' => route('pos.payments.callback'),
-            'customer_name' => $sale->customer_name,
-            'customer_email' => $sale->customer_email,
-            'customer_phone' => $sale->customer_phone,
-            'line_items' => [[
-                'name' => 'Ticket '.$sale->reference.' payment',
-                'unit_price_minor' => $amount,
-                'quantity' => 1,
-            ]],
-            'metadata' => ['pos_sale_id' => $sale->id, 'pos_payment_id' => $payment->id],
-        ]);
-
-        $checkoutUrl = (string) ($payOrder['checkout_url'] ?? '');
-        if ($checkoutUrl === '') {
-            throw new RuntimeException('Could not start checkout. Please try again.');
-        }
+        $reference = 'POSP-'.strtoupper(Str::random(16));
+        $checkout = $this->gateway->initializeCheckout(
+            $merchant,
+            $amount,
+            (string) ($sale->currency ?? 'GHS'),
+            (string) ($sale->customer_email ?: $merchant->email ?: 'payer@example.com'),
+            route('pos.payments.callback'),
+            $reference,
+            ['title' => 'Ticket '.$sale->reference.' payment', 'pos_sale_id' => $sale->id, 'pos_payment_id' => $payment->id],
+        );
 
         $payment->forceFill([
-            'pay_order_id' => $payOrder['id'] ?? null,
-            'payment_reference' => $payOrder['reference'] ?? null,
+            'payment_reference' => $checkout['reference'],
         ])->save();
 
-        return ['payment' => $payment, 'checkout_url' => $checkoutUrl];
+        return ['payment' => $payment, 'checkout_url' => $checkout['checkout_url']];
     }
 
     public function completePayPayment(string $reference): PosPayment
     {
         $payment = PosPayment::where('payment_reference', $reference)
             ->where('status', PosPayment::STATUS_PENDING)
+            ->with('sale')
             ->firstOrFail();
 
-        $payOrder = $this->pay->verify($reference);
+        $result = $this->gateway->verify($payment->owner_ref, $reference);
+        if (! $result['paid']) {
+            throw new RuntimeException('Payment was not completed.');
+        }
 
         $payment->forceFill([
             'status' => PosPayment::STATUS_PAID,
-            'pay_order_id' => $payOrder['id'] ?? $payment->pay_order_id,
-            'amount_minor' => (int) ($payOrder['amount_minor'] ?? $payment->amount_minor),
+            'amount_minor' => (int) ($result['amount_minor'] ?: $payment->amount_minor),
             'paid_at' => now(),
         ])->save();
 
@@ -505,36 +496,27 @@ class PosSaleService
 
         $sale->load('lines');
         $callbackUrl = route('pos.sales.callback', $sale);
-
-        $payOrder = $this->pay->createCheckout([
-            'merchant' => $merchant->public_id,
-            'fee_tier' => 'sales',
-            'source_service' => 'pos',
-            'source_ref' => (string) $sale->id,
-            'callback_url' => $callbackUrl,
-            'customer_name' => $sale->customer_name,
-            'customer_email' => $sale->customer_email,
-            'customer_phone' => $sale->customer_phone,
-            'line_items' => $sale->lines->map(fn (PosSaleLine $line) => [
-                'name' => $line->name,
-                'unit_price_minor' => $line->unit_price_minor,
-                'quantity' => $line->quantity,
-            ])->all(),
-            'metadata' => [
-                'pos_sale_id' => $sale->id,
-                'pos_reference' => $sale->reference,
-            ],
-        ]);
-
-        $checkoutUrl = (string) ($payOrder['checkout_url'] ?? '');
-        if ($checkoutUrl === '') {
-            throw new RuntimeException('Could not start checkout. Please try again.');
+        $reference = 'POSS-'.strtoupper(Str::random(16));
+        $amount = (int) $sale->balanceMinor();
+        if ($amount < 1) {
+            $amount = (int) $sale->total_minor;
         }
 
+        $checkout = $this->gateway->initializeCheckout(
+            $merchant,
+            $amount,
+            (string) ($sale->currency ?? 'GHS'),
+            (string) ($sale->customer_email ?: $merchant->email ?: 'payer@example.com'),
+            $callbackUrl,
+            $reference,
+            ['title' => 'POS '.$sale->reference, 'pos_sale_id' => $sale->id, 'pos_reference' => $sale->reference],
+        );
+
+        $checkoutUrl = $checkout['checkout_url'];
+
         $sale->forceFill([
             'payment_method' => PosSale::METHOD_PAY,
-            'pay_order_id' => $payOrder['id'] ?? null,
-            'payment_reference' => $payOrder['reference'] ?? null,
+            'payment_reference' => $checkout['reference'],
         ])->save();
 
         return [
@@ -570,12 +552,14 @@ class PosSaleService
             ->where('status', PosSale::STATUS_PENDING)
             ->firstOrFail();
 
-        $payOrder = $this->pay->verify($paymentReference);
+        $result = $this->gateway->verify($sale->owner_ref, $paymentReference);
+        if (! $result['paid']) {
+            throw new RuntimeException('Payment was not completed.');
+        }
 
         $sale->forceFill([
             'status' => PosSale::STATUS_PAID,
-            'total_minor' => (int) ($payOrder['amount_minor'] ?? $sale->total_minor),
-            'pay_order_id' => $payOrder['id'] ?? $sale->pay_order_id,
+            'total_minor' => (int) ($result['amount_minor'] ?: $sale->total_minor),
             'paid_at' => now(),
         ])->save();
 

config/ladill_launcher.php

@@ -18,10 +18,7 @@ $root = config('app.platform_domain', 'ladill.com');
 
 return [
     'apps' => [
-        ['name' => 'Merchant', 'url' => 'https://merchant.'.$root.'/sso/connect?redirect='.urlencode('https://merchant.'.$root.'/dashboard'), 'icon' => 'merchant.svg'],
         ['name' => 'POS', 'url' => 'https://pos.'.$root.'/sso/connect?redirect='.urlencode('https://pos.'.$root.'/dashboard'), 'icon' => 'pos.svg'],
-        ['name' => 'Mini', 'url' => 'https://mini.'.$root.'/sso/connect?redirect='.urlencode('https://mini.'.$root.'/dashboard'), 'icon' => 'mini.svg'],
-        ['name' => 'Give', 'url' => 'https://give.'.$root.'/sso/connect?redirect='.urlencode('https://give.'.$root.'/dashboard'), 'icon' => 'give.svg'],
         ['name' => 'Woo Manager', 'url' => 'https://woo.'.$root.'/sso/connect?redirect='.urlencode('https://woo.'.$root.'/dashboard'), 'icon' => 'woomanager.svg'],
         ['name' => 'Transfer', 'url' => 'https://transfer.'.$root.'/sso/connect?redirect='.urlencode('https://transfer.'.$root.'/dashboard'), 'icon' => 'transfer.svg'],
         ['name' => 'Accounting', 'url' => 'https://accounting.'.$root.'/sso/connect?redirect='.urlencode('https://accounting.'.$root.'/dashboard'), 'icon' => 'accounting.svg'],

database/migrations/2026_07_15_010000_create_payment_gateway_settings_table.php

@@ -0,0 +1,28 @@
+<?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::create('payment_gateway_settings', function (Blueprint $table) {
+            $table->id();
+            $table->string('owner_ref', 64)->unique();
+            $table->string('provider', 32); // paystack|flutterwave|hubtel
+            $table->text('public_key')->nullable();
+            $table->text('secret_key')->nullable();
+            $table->text('webhook_secret')->nullable();
+            $table->boolean('is_active')->default(true);
+            $table->json('metadata')->nullable();
+            $table->timestamps();
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('payment_gateway_settings');
+    }
+};

resources/views/partials/afia.blade.php

@@ -1,8 +1,8 @@
 @php
-    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about taking a sale, charging by cash or Ladill Pay, managing products, or your sales history…";
+    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about taking a sale, charging by cash or Card / MoMo, managing products, or your sales history…";
     $afiaSuggestions = [
         'How do I take a sale?',
-        'How do I charge with Ladill Pay?',
+        'How do I charge with Card / MoMo?',
         'How do I add a product?',
         'How do I import products from CRM?',
     ];

resources/views/pos/settings.blade.php

@@ -79,6 +79,47 @@
                         <span class="mt-0.5 block text-xs text-slate-500">Opens the receipt print dialog when you record a cash payment.</span>
                     </span>
                 </label>
+                <div class="border-t border-slate-100 pt-4">
+                    <p class="text-sm font-semibold text-slate-900">Payment gateway</p>
+                    <p class="mt-1 text-xs text-slate-400">Connect Paystack, Flutterwave, or Hubtel. Online checkouts go 100% to you — 0% Ladill fee.</p>
+                </div>
+                <div>
+                    <label class="text-sm font-medium text-slate-700">Provider</label>
+                    <select name="gateway_provider" class="mt-1.5 block w-full rounded-xl border-slate-300 text-sm shadow-sm focus:border-indigo-500 focus:ring-indigo-500">
+                        <option value="">Select a provider</option>
+                        <option value="paystack" @selected(old('gateway_provider', $gateway?->provider ?? null) === 'paystack')>Paystack</option>
+                        <option value="flutterwave" @selected(old('gateway_provider', $gateway?->provider ?? null) === 'flutterwave')>Flutterwave</option>
+                        <option value="hubtel" @selected(old('gateway_provider', $gateway?->provider ?? null) === 'hubtel')>Hubtel</option>
+                    </select>
+                </div>
+                <div class="grid gap-4 sm:grid-cols-2">
+                    <div>
+                        <label class="text-sm font-medium text-slate-700">Public key / Merchant account</label>
+                        <input type="text" name="gateway_public_key" value="{{ old('gateway_public_key') }}" placeholder="{{ ($gateway?->public_key ?? null) ? '•••• saved — leave blank to keep' : 'pk_live_… or Hubtel account number' }}" class="mt-1.5 block w-full rounded-xl border-slate-300 text-sm shadow-sm focus:border-indigo-500 focus:ring-indigo-500">
+                    </div>
+                    <div>
+                        <label class="text-sm font-medium text-slate-700">Secret / API key</label>
+                        <input type="password" name="gateway_secret_key" value="" placeholder="{{ ($gateway?->secret_key ?? null) ? '•••• saved — leave blank to keep' : 'sk_live_…' }}" class="mt-1.5 block w-full rounded-xl border-slate-300 text-sm shadow-sm focus:border-indigo-500 focus:ring-indigo-500" autocomplete="new-password">
+                    </div>
+                </div>
+                <div>
+                    <label class="text-sm font-medium text-slate-700">Webhook secret (optional)</label>
+                    <input type="password" name="gateway_webhook_secret" value="" placeholder="{{ ($gateway?->webhook_secret ?? null) ? '•••• saved — leave blank to keep' : 'Optional' }}" class="mt-1.5 block w-full rounded-xl border-slate-300 text-sm shadow-sm focus:border-indigo-500 focus:ring-indigo-500" autocomplete="new-password">
+                </div>
+                <label class="flex items-start gap-3 rounded-xl border border-slate-200 bg-slate-50 px-4 py-3">
+                    <input type="hidden" name="gateway_is_active" value="0">
+                    <input type="checkbox" name="gateway_is_active" value="1" @checked(old('gateway_is_active', $gateway?->is_active ?? true)) class="mt-0.5 rounded border-slate-300 text-indigo-600 focus:ring-indigo-500">
+                    <span>
+                        <span class="block text-sm font-medium text-slate-800">Gateway enabled</span>
+                        <span class="mt-0.5 block text-xs text-slate-500">Required for card / MoMo checkouts on the register.</span>
+                    </span>
+                </label>
+                @if ($gateway?->isConfigured())
+                    <p class="rounded-xl bg-emerald-50 px-3 py-2 text-sm text-emerald-800">Gateway connected ({{ ucfirst($gateway->provider) }}).</p>
+                @else
+                    <p class="rounded-xl bg-amber-50 px-3 py-2 text-sm text-amber-800">Online checkouts stay disabled until a gateway is connected.</p>
+                @endif
+
                 <div class="flex justify-end">
                     <button type="submit" class="btn-primary">Save settings</button>
                 </div>

resources/views/pos/tickets/show.blade.php

@@ -146,7 +146,7 @@
                             <button name="payment_method" value="cash" :disabled="lines.length === 0"
                                     class="rounded-xl border border-slate-200 bg-white px-3 py-2.5 text-sm font-semibold text-slate-700 hover:bg-slate-50 disabled:opacity-40">Cash</button>
                             <button name="payment_method" value="pay" :disabled="lines.length === 0"
-                                    class="btn-primary disabled:opacity-40">Ladill Pay</button>
+                                    class="btn-primary disabled:opacity-40">Card / MoMo</button>
                         </div>
                         <p class="text-center text-[11px] text-slate-400">Pay the full balance, or a partial amount to split the bill.</p>
                     </form>