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Overview

TelemanAI supports multiple payment gateways, allowing you to accept payments through various methods worldwide. The platform uses a flexible payment service architecture that makes it easy to process payments through your preferred gateway.
Payment gateways must be configured by your administrator in the .env configuration file before they become available for use.

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Supported Payment Gateways

TelemanAI supports the following payment gateways:

Stripe

Global payment processor supporting credit cards, debit cards, and digital wallets

PayPal

Popular digital wallet and payment platform with worldwide coverage

Razorpay

Leading payment gateway for India supporting UPI, cards, and net banking

Flutterwave

African payment gateway supporting cards, mobile money, and bank transfers

Paystack

Modern payment infrastructure for Africa with card and bank account support

Instamojo

Indian payment gateway for cards, UPI, wallets, and net banking

Squad

Nigerian payment processor supporting cards and bank transfers

Mollie

European payment service provider with extensive local payment methods

Square

Payment processing solution popular in North America

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Payment Gateway Configuration

Each payment gateway requires specific API credentials to function. These are configured in the .env file by your system administrator.

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Stripe Configuration

Stripe is a powerful payment processor that supports credit and debit cards globally.Required Environment Variables:
.env
STRIPE="YES"  # Enable Stripe
STRIPE_ENVIRONMENT="sandbox"  # or "production"
STRIPE_KEY="pk_test_xxxxxxxxxxxxxxxxxxxx"  # Publishable key
STRIPE_SECRET="sk_test_xxxxxxxxxxxxxxxxxxxx"  # Secret key
Features:
  • Instant payment processing
  • Support for major credit/debit cards
  • PCI DSS compliant
  • Built-in fraud protection
  • Supports 135+ currencies
Getting Credentials:
  1. Sign up at stripe.com
  2. Navigate to Developers > API keys
  3. Copy your Publishable key and Secret key
  4. Use test keys for development, live keys for production
Never commit your Stripe secret key to version control. Keep it secure in your .env file.

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PayPal Configuration

PayPal enables users to pay using their PayPal balance, bank account, or credit card.Required Environment Variables:
.env
PAYPAL="YES"  # Enable PayPal
PAYPAL_SANDBOX=true  # false for production
PAYPAL_CLIENT_ID="AfmUVc-q4RP6nHk42Zm5..."  # Client ID
PAYPAL_CLIENT_SECRET="EJjA_ANpnIRwPNUEgQhjZ..."  # Client Secret
PAYPAL_API_USERNAME="[email protected]"
PAYPAL_API_PASSWORD="X)23m2"
PAYPAL_CURRENCY="USD"  # Default currency
Features:
  • Trusted payment method worldwide
  • Support for PayPal balance and linked accounts
  • Buyer protection included
  • Multiple currency support
  • Mobile-optimized checkout
Getting Credentials:
  1. Sign up for a PayPal Business account
  2. Go to Dashboard > Apps & Credentials
  3. Create a new app or use an existing one
  4. Copy your Client ID and Secret
  5. Use sandbox credentials for testing
PayPal redirects users to PayPal’s website for payment, then returns them to your application.

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Razorpay Configuration

Razorpay is India’s leading payment gateway supporting multiple payment methods.Required Environment Variables:
.env
RAZORPAY="YES"  # Enable Razorpay
RAZORPAY_KEY="rzp_test_vYLUhaqny75Hyj"  # Key ID
RAZORPAY_SECRET="qGdRYD6MnnPqZw0e2qoPvI52"  # Key Secret
Features:
  • UPI payments (Google Pay, PhonePe, etc.)
  • Credit and debit cards
  • Net banking
  • Digital wallets (Paytm, Mobikwik, etc.)
  • EMI options
  • International cards
Getting Credentials:
  1. Sign up at razorpay.com
  2. Complete KYC verification
  3. Navigate to Settings > API Keys
  4. Generate new API keys
  5. Copy Key Id and Key Secret
Razorpay requires webhook configuration for payment verification. The platform handles this automatically.

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Flutterwave Configuration

Flutterwave provides payment infrastructure across Africa.Required Environment Variables:
.env
FLUTTERWAVE="YES"  # Enable Flutterwave
FLW_PUBLIC_KEY="FLWPUBK_TEST-a844c48bd0b956..."  # Public key
FLW_SECRET_KEY="FLWSECK_TEST-17dd26a0a5dd91..."  # Secret key
FLW_SECRET_HASH="FLWSECK_TEST50130b584f67"  # Webhook hash
FLW_CURRENCY="NGN"  # Default currency (NGN, GHS, KES, etc.)
Features:
  • Cards (Visa, Mastercard, Verve)
  • Mobile money (MTN, Vodafone, etc.)
  • Bank accounts
  • USSD payments
  • Multiple African currencies
Getting Credentials:
  1. Sign up at flutterwave.com
  2. Complete business verification
  3. Go to Settings > API
  4. Copy Public Key, Secret Key, and Encryption Key

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Paystack Configuration

Paystack is a modern payment gateway for African businesses.Required Environment Variables:
.env
PAYSTACK="YES"  # Enable Paystack
PAYSTACK_PUBLIC_KEY="pk_test_e02b119d219d9a..."  # Public key
PAYSTACK_SECRET_KEY="sk_test_03d279111dd4f1..."  # Secret key
PAYSTACK_PAYMENT_URL="https://api.paystack.co"  # API endpoint
MERCHANT_EMAIL="[email protected]"  # Your email
MERCHANT_CURRENCY="ZAR"  # Currency (NGN, GHS, ZAR, USD)
Features:
  • Card payments
  • Bank transfers
  • USSD
  • Mobile money
  • Subscriptions
  • Split payments
Getting Credentials:
  1. Sign up at paystack.com
  2. Verify your business
  3. Navigate to Settings > API Keys & Webhooks
  4. Copy your test or live keys

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Instamojo Configuration

Instamojo is an Indian payment gateway with simple integration.Required Environment Variables:
.env
INSTAMOJO="YES"  # Enable Instamojo
IM_API_KEY="test_dc229039d2232a260a2df3f7502"  # API key
IM_AUTH_TOKEN="test_dc229039d2232a260a2df3f7502"  # Auth token
IM_URL="https://test.instamojo.com/api/1.1/"  # API URL
Features:
  • Credit/debit cards
  • Net banking
  • UPI
  • Wallets
  • EMI options
Getting Credentials:
  1. Sign up at instamojo.com
  2. Go to Settings > API & Plugins
  3. Generate API credentials
  4. Copy API Key and Auth Token

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Squad Configuration

Squad is a Nigerian payment gateway.Required Environment Variables:
.env
SQUAD="YES"  # Enable Squad
SQUAD_PUBLIC_KEY="sandbox_pk_16ef5769ec3125..."  # Public key
SQUAD_SECRET_KEY="sandbox_sk_16ef5769ec3125..."  # Secret key
SQUAD_CURRENCY="NGN"  # Currency (NGN or USD)
SQUAD_API_URL="https://sandbox-api-d.squadco.com"  # API endpoint
Features:
  • Card payments
  • Bank transfers
  • Virtual accounts
  • NGN and USD support
Getting Credentials:
  1. Sign up at squadco.com
  2. Navigate to Settings > API Keys
  3. Generate or copy existing keys

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Mollie Configuration

Mollie is a European payment service provider.Required Environment Variables:
.env
MOLLIE="YES"  # Enable Mollie
MOLLIE_KEY="test_nCwAr5tPC4xcBWQWc8xvE5MkF9v6bU"  # API key
MOLLIE_CURRENCY="EUR"  # Default currency
Features:
  • Credit cards
  • iDEAL (Netherlands)
  • SEPA bank transfers
  • PayPal
  • Apple Pay / Google Pay
  • 30+ local payment methods across Europe
Getting Credentials:
  1. Sign up at mollie.com
  2. Go to Developers > API keys
  3. Copy your test or live API key

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Square Configuration

Square is a popular payment processor in North America.Required Environment Variables:
.env
SQUARE="YES"  # Enable Square
SQUARE_ACCESS_TOKEN="EAAAlwi-KmmA3y79Pea2Qjq_EdxcuI..."  # Access token
SQUARE_APPLICATION_ID="sandbox-sq0idb-8zVYwQ9yJz91..."  # Application ID
SQUARE_LOCATION_ID="LAF7XP58VW59W"  # Location ID
SQUARE_CURRENCY="USD"  # Currency
SQUARE_REDIRECT_URL="${APP_URL}/square/callback"  # Callback URL
Features:
  • Credit/debit cards
  • Digital wallets
  • ACH bank transfers
  • Gift cards
  • Buy now, pay later options
Getting Credentials:
  1. Sign up at squareup.com
  2. Go to Developer Dashboard
  3. Create an application
  4. Copy Application ID, Access Token, and Location ID

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Payment Processing Flow

Understand how payments are processed in TelemanAI:
1

User Selects Package

User chooses a subscription package from the available options
2

Gateway Selection

User selects their preferred payment gateway from enabled options
3

Payment Initialization

TelemanAI sends payment details to the selected gateway:
  • Amount
  • Currency
  • User email
  • Description
  • Return URL for callbacks
4

Gateway Processing

Payment gateway handles the transaction:
  • For card payments: Process immediately
  • For redirect methods (PayPal): Redirect user to gateway site
  • For mobile money: Display payment instructions
5

Payment Verification

Gateway sends response back to TelemanAI:
  • Success: Transaction ID and payment confirmation
  • Failure: Error message and reason
6

Subscription Activation

On successful payment:
  • Create subscription record
  • Allocate package credits
  • Set validity period
  • Send confirmation email
  • Create payment history entry

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Payment Verification

All payment gateways use secure verification methods:

Stripe

  • Instant verification via API response
  • Transaction ID provided immediately
  • Webhook notifications for additional security

PayPal

  • User redirected to PayPal
  • Payment completed on PayPal site
  • User returned to TelemanAI with payment confirmation
  • Callback handler verifies payment with PayPal API

Razorpay

  • Frontend checkout modal
  • Payment signature verification
  • Server-side confirmation via API
  • Webhook for payment status updates
All gateways use HTTPS encryption and follow PCI DSS compliance standards for secure payment processing.

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Supported Currencies

Different payment gateways support different currencies:
GatewayPrimary CurrenciesNotes
StripeUSD, EUR, GBP, and 135+ othersMost flexible for international payments
PayPalUSD, EUR, GBP, CAD, AUD, and 25+ othersDepends on merchant account country
RazorpayINR, USDBest for Indian customers
FlutterwaveNGN, GHS, KES, UGX, TZS, ZARAfrican currencies
PaystackNGN, GHS, ZAR, USDAfrican focus with USD support
InstamojoINRIndia only
SquadNGN, USDNigerian Naira and US Dollar
MollieEUR and 30+ othersFocused on European payments
SquareUSD, CAD, GBP, AUD, JPYNorth America and select countries
Ensure your package prices are set in a currency supported by your enabled payment gateways.

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Testing Payments

All payment gateways provide test/sandbox modes for development:

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Test Mode Best Practices

1

Enable Test Mode

Set gateway to test/sandbox mode in .env:
STRIPE_ENVIRONMENT="sandbox"
PAYPAL_SANDBOX=true
2

Use Test Credentials

Always use test API keys during development:
  • Stripe: Keys starting with pk_test_ and sk_test_
  • Razorpay: Keys starting with rzp_test_
  • Others: Sandbox or test credentials from dashboard
3

Test Card Numbers

Use gateway-provided test cards:Stripe Test Cards:
  • Success: 4242 4242 4242 4242
  • Decline: 4000 0000 0000 0002
  • Requires Auth: 4000 0027 6000 3184
Razorpay Test Cards:
  • Success: 4111 1111 1111 1111
  • OTP: 1234 (for test mode)
4

Verify Callbacks

Test payment callbacks and webhook handling:
  • Successful payments
  • Failed payments
  • Pending payments
  • Refunds
5

Switch to Production

When ready for live payments:
  • Replace test keys with production keys
  • Set environment to production
  • Test with small real payment
  • Monitor first few transactions closely

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Troubleshooting Payment Issues

Problem: Payment gateway doesn’t show up as an optionSolutions:
  • Verify gateway is enabled in .env: STRIPE="YES"
  • Check API credentials are correctly configured
  • Clear application cache: php artisan cache:clear
  • Verify gateway is registered in PaymentService.php
Problem: Payment returns an error from the gatewaySolutions:
  • Verify API credentials are correct and active
  • Check if using correct environment (test vs production)
  • Ensure payment amount meets gateway minimums
  • Review gateway dashboard for specific error messages
  • Check currency is supported by the gateway
Problem: Payment completes but package not assignedSolutions:
  • Check payment callback URL is accessible
  • Verify webhook endpoints are configured
  • Review application logs for errors
  • Manually verify payment in gateway dashboard
  • Check database for payment_histories record
  • Contact support with transaction ID
Problem: Payment redirects fail or timeoutSolutions:
  • Verify callback URLs are correctly configured in .env
  • Ensure URLs are accessible from internet (not localhost)
  • Check SSL certificate is valid
  • Add callback URLs to gateway dashboard
  • Test URL accessibility with curl or Postman
Problem: Gateway rejects payment due to currency issuesSolutions:
  • Verify gateway supports the payment currency
  • Check currency is correctly set in .env
  • Ensure package prices use supported currency
  • Convert amounts if necessary

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Security Best Practices

Follow these security practices when handling payment gateways:
  1. Never expose API secrets - Keep credentials in .env file only
  2. Use HTTPS - Always serve your application over SSL
  3. Validate callbacks - Verify payment signatures and IDs
  4. Log transactions - Maintain audit trail of all payments
  5. Use test mode - Never test with production credentials
  6. Rotate keys regularly - Change API keys periodically
  7. Monitor for fraud - Watch for suspicious payment patterns
  8. Comply with regulations - Follow PCI DSS and local payment laws

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Next Steps

Subscription Packages

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