Payment Gateways Overview

Supported Payment Gateways

TelemanAI supports multiple payment gateways for subscription billing and pay-as-you-go services. Choose the gateway that best fits your region and business needs.

Available Payment Gateways

Stripe

International credit card processing

PayPal

Global payment platform

Razorpay

India’s leading payment gateway

Flutterwave

African payment solutions

Paystack

African payment infrastructure

Instamojo

Indian payment solution

Braintree

PayPal-owned gateway

Mollie

European payment methods

Square

All-in-one payment solution

SSLCommerz

Bangladesh payment gateway

Squad

Nigerian payment processing

Gateway Comparison

Gateway	Best For	Currencies	Test Mode	Integration
Stripe	Global	135+ currencies	Yes	API-based
PayPal	Global	25+ currencies	Sandbox	OAuth/API
Razorpay	India	INR	Yes	API-based
Flutterwave	Africa	Multiple	Yes	API-based
Paystack	Africa	NGN, ZAR, GHS	Yes	API-based
Instamojo	India	INR	Yes	API-based
Braintree	Global	Multiple	Yes	SDK
Mollie	Europe	EUR, GBP, USD	Yes	API-based
Square	US, UK, Canada	Multiple	Sandbox	OAuth/API
SSLCommerz	Bangladesh	BDT	Sandbox	API-based
Squad	Nigeria	NGN, USD	Sandbox	API-based

Configuration Overview

All payment gateways are configured through environment variables in the .env file.

Environment Variables by Gateway

Stripe

STRIPE="YES"
STRIPE_ENVIRONMENT="sandbox"
STRIPE_KEY="pk_test_..."
STRIPE_SECRET="sk_test_..."

PayPal

PAYPAL="YES"
PAYPAL_SANDBOX=true
PAYPAL_CLIENT_ID="..."
PAYPAL_CLIENT_SECRET="..."
PAYPAL_CURRENCY="USD"

Razorpay

RAZORPAY="YES"
RAZORPAY_KEY="rzp_test_..."
RAZORPAY_SECRET="..."

Flutterwave

FLUTTERWAVE="YES"
FLW_PUBLIC_KEY="FLWPUBK_TEST-..."
FLW_SECRET_KEY="FLWSECK_TEST-..."
FLW_SECRET_HASH="..."
FLW_CURRENCY="NGN"

Paystack

PAYSTACK="YES"
PAYSTACK_PUBLIC_KEY="pk_test_..."
PAYSTACK_SECRET_KEY="sk_test_..."
PAYSTACK_PAYMENT_URL="https://api.paystack.co"
MERCHANT_EMAIL="..."
MERCHANT_CURRENCY="ZAR"

Instamojo

INSTAMOJO="YES"
IM_API_KEY="test_..."
IM_AUTH_TOKEN="test_..."
IM_URL="https://test.instamojo.com/api/1.1/"

Braintree

BRAINTREE="YES"
BT_ENVIRONMENT="sandbox"
BT_MERCHANT_ID="..."
BT_PUBLIC_KEY="..."
BT_PRIVATE_KEY="..."

Mollie

MOLLIE="YES"
MOLLIE_KEY="test_..."
MOLLIE_CURRENCY="EUR"

Square

SQUARE="YES"
SQUARE_ACCESS_TOKEN="..."
SQUARE_APPLICATION_ID="sandbox-..."
SQUARE_LOCATION_ID="..."
SQUARE_CURRENCY="USD"
SQUARE_REDIRECT_URL="${APP_URL}/square/callback"

SSLCommerz

SSL_COMMERZ="YES"
API_DOMAIN_URL="https://sandbox.sslcommerz.com"
STORE_ID="..."
STORE_PASSWORD="..."

Squad

SQUAD="YES"
SQUAD_PUBLIC_KEY="sandbox_pk_..."
SQUAD_SECRET_KEY="sandbox_sk_..."
SQUAD_CURRENCY="NGN"
SQUAD_API_URL="https://sandbox-api-d.squadco.com"

Choosing a Payment Gateway

Consider Your Region

Choose a gateway with strong presence in your target market:

North America/Europe: Stripe, PayPal, Braintree
Africa: Flutterwave, Paystack, Squad
India: Razorpay, Instamojo
Bangladesh: SSLCommerz
Europe: Mollie, Stripe

Check Currency Support

Ensure the gateway supports your required currencies:

Multi-currency: Stripe, PayPal, Braintree
Local currency focused: Razorpay (INR), Paystack (NGN, ZAR)

Evaluate Fees

Compare transaction fees and setup costs:

Stripe: ~2.9% + $0.30 per transaction
PayPal: ~2.9% + $0.30 per transaction
Razorpay: ~2% per transaction (India)
Flutterwave: ~3.8% per transaction (Africa)

Test Integration

Most gateways provide sandbox/test modes:

Always test in sandbox mode first
Verify webhook delivery
Test failed payment scenarios
Confirm refund functionality

Enabling a Gateway

Update Environment Variables

Add the gateway credentials to your .env file:

STRIPE="YES"
STRIPE_KEY="your_key_here"
STRIPE_SECRET="your_secret_here"

Configure in Dashboard

Log in to TelemanAI admin panel
Navigate to Settings → Payment Gateways
Select the gateway you want to enable
Enter your credentials
Choose test or production mode
Click Save Configuration

Test the Integration

Go to Pricing page
Select a subscription plan
Proceed to checkout
Complete a test payment
Verify the subscription is activated

Payment Flow

TelemanAI follows a standard payment flow:

Webhook Configuration

Most gateways require webhook endpoints for payment notifications:

Gateway	Webhook URL	Events
Stripe	`/api/stripe/webhook`	`payment_intent.succeeded`
PayPal	`/api/paypal/webhook`	`PAYMENT.CAPTURE.COMPLETED`
Razorpay	`/api/razorpay/webhook`	`payment.captured`
Flutterwave	`/api/flutterwave/webhook`	`charge.completed`
Paystack	`/api/paystack/webhook`	`charge.success`

Replace /api/ with your actual TelemanAI installation URL.

Database Schema

Payment transactions are stored in the payment_histories table:

CREATE TABLE payment_histories (
    id BIGINT PRIMARY KEY,
    user_id BIGINT,
    subscription_id BIGINT,
    package_id BIGINT,
    invoice VARCHAR(50),
    amount DECIMAL(10,2),
    payment_gateway VARCHAR(50),
    payment_status VARCHAR(20),
    transaction_id VARCHAR(100),
    created_at TIMESTAMP,
    updated_at TIMESTAMP
);

Testing Payments

Test Cards by Gateway

Stripe:

Success: 4242 4242 4242 4242
Decline: 4000 0000 0000 0002
CVV: Any 3 digits
Expiry: Any future date

PayPal:

Use PayPal Sandbox accounts
Create test buyer/seller accounts at developer.paypal.com

Razorpay:

Card: 4111 1111 1111 1111
CVV: Any 3 digits
Expiry: Any future date

Flutterwave:

Card: 5531 8866 5214 2950
CVV: 564
Expiry: 09/32
OTP: 12345

Security Best Practices

Critical Security Measures:

Never commit payment credentials to version control
Use environment variables for all API keys
Always use HTTPS in production
Validate webhook signatures
Implement rate limiting on payment endpoints
Log all payment transactions
Use test mode during development
Rotate API keys periodically

PCI Compliance

TelemanAI is designed to minimize PCI compliance requirements:

Credit card data never touches your server
Payments processed directly on gateway
No card storage in your database
Tokens used for recurring payments

Most integrations use hosted payment pages or client-side tokenization to maintain PCI compliance.

Troubleshooting

Gateway Not Appearing

Problem: Gateway doesn’t show on checkout pageSolution:

Ensure the gateway is enabled: STRIPE="YES"
Check credentials are correctly configured
Verify the gateway is activated in settings
Clear application cache: php artisan cache:clear

Payment Fails

Problem: Payment always failsSolution:

Check you’re using test credentials in test mode
Verify API keys are correct (no extra spaces)
Test with known working test cards
Check gateway status page for outages
Review gateway dashboard for specific errors

Webhooks Not Received

Problem: Payment succeeds but subscription not activatedSolution:

Verify webhook URL is publicly accessible
Check webhook endpoint in gateway settings
Ensure SSL certificate is valid
Review webhook logs in gateway dashboard
Test webhook with gateway’s testing tool

Currency Mismatch

Problem: Wrong currency displayedSolution:

Check STRIPE_CURRENCY or similar environment variable
Ensure package prices match the currency
Verify gateway supports the currency
Update currency settings in admin panel

Multiple Gateway Setup

You can enable multiple gateways simultaneously:

# Enable multiple gateways
STRIPE="YES"
PAYPAL="YES"
RAZORPAY="YES"

Users will see all enabled gateways on the checkout page and can choose their preferred method.

API Reference

Payment gateway services implement the PaymentGatewayInterface:

interface PaymentGatewayInterface
{
    /**
     * Process a payment
     * @param array $paymentData
     * @return mixed
     */
    public function pay(array $paymentData);
}

See:

StripeGateway.php - Stripe implementation
PayPalGateway.php - PayPal implementation
RazorpayGateway.php - Razorpay implementation

Next Steps

Stripe Setup

Configure Stripe payment gateway

PayPal Setup

Configure PayPal payment gateway

Razorpay Setup

Configure Razorpay payment gateway

Subscription Plans

Configure subscription plans and pricing

Third-Party Services

Payment Gateways

​Supported Payment Gateways

​Available Payment Gateways

Stripe

PayPal

Razorpay

Flutterwave

Paystack

Instamojo

Braintree

Mollie

Square

SSLCommerz

Squad

​Gateway Comparison

​Configuration Overview

​Environment Variables by Gateway

​Stripe

​PayPal

​Razorpay

​Flutterwave

​Paystack

​Instamojo

​Braintree

​Mollie

​Square

​SSLCommerz

​Squad

​Choosing a Payment Gateway

​Enabling a Gateway

​Payment Flow

​Webhook Configuration

​Database Schema

​Testing Payments

​Test Cards by Gateway

​Security Best Practices

​PCI Compliance

​Troubleshooting

​Multiple Gateway Setup

​API Reference

​Next Steps

Stripe Setup

PayPal Setup

Razorpay Setup

Subscription Plans

Build docs developers (and LLMs) love

Supported Payment Gateways

Available Payment Gateways

Gateway Comparison

Configuration Overview

Environment Variables by Gateway

Stripe

PayPal

Razorpay

Flutterwave

Paystack

Instamojo

Braintree

Mollie

Square

SSLCommerz

Squad

Choosing a Payment Gateway

Enabling a Gateway

Payment Flow

Webhook Configuration

Database Schema

Testing Payments

Test Cards by Gateway

Security Best Practices

PCI Compliance

Troubleshooting

Multiple Gateway Setup

API Reference

Next Steps