Cray Finance Laravel SDK

A first-class Laravel Composer package for integrating Cray Finance APIs. This package abstracts authentication, HTTP calls, validation, retries, and error handling, providing a clean and expressive API for developers.

Requirements

• PHP 8.1+
• Laravel 9.0+

Installation

Install the package via Composer:

composer require crayfi/cray-laravel

Configuration

Publish the configuration file:

php artisan vendor:publish --tag=cray-config

This will create a config/cray.php file. Configure your API credentials in your .env file:

CRAY_API_KEY=your_api_key_here
CRAY_ENV=sandbox
CRAY_TIMEOUT=30
CRAY_RETRIES=2

Environment Switching

Set CRAY_ENV to live for production or sandbox for development/staging.

• sandbox: Uses https://dev-gateman.v3.connectramp.com
• live: Uses https://pay.connectramp.com

You can also explicitly set CRAY_BASE_URL if needed.

Usage

The package provides a Cray facade for easy access to all modules.

1. Cards

Handle card transactions including initiation, charging, and querying.

use Cray\Laravel\Facades\Cray;

// Initiate a card transaction
// 'reference': A unique reference for this transaction (generated by you)
// 'amount': The amount to charge (in the smallest currency unit or standard unit as per API docs)
// 'currency': The currency code (e.g., USD, NGN)
// 'card_data': Sensitive card details (PAN, CVV, Expiry)
// 'customer_information': Details about the customer initiating the transaction
$response = Cray::cards()->initiate([
    'reference' => '4aeb118e-5009-450a-94fc-d74f6cd88646',
    'amount' => '100',
    'currency' => 'USD',
    'card_data' => [
        'pan' => '5399832641760090',
        'cvv' => '146',
        'expiryMonth' => '05',
        'expiryYear' => '50',
    ],
    'customer_information' => [
        'email' => 'test@testmail.com',
        'firstName' => 'John',
        'lastName' => 'Doe',
    ],
    // ... other required fields like 'callback_url' or 'return_url' might be needed depending on API
]);

// Process payment (Charge)
// 'transaction_id': The ID received from the initiate response or webhook
$charge = Cray::cards()->charge([
    'transaction_id' => 'SRK4NC92PFHLGZW78A3E'
]);

// Query transaction status
// 'customer_reference_id': The unique reference you provided during initiation
$status = Cray::cards()->query('customer_reference_id');

2. Mobile Money (MoMo)

Process mobile money payments.

// Initiate MoMo payment
// 'payment_provider': The mobile money provider (e.g., MTN, Airtel)
// 'phone_no': The customer's phone number registered with the provider
$momo = Cray::momo()->initiate([
    'customer_reference' => 'e4d7c3b8-5f29-4b46-81a6-8d98c1e75812',
    'amount' => '3950',
    'currency' => 'XOF',
    'phone_no' => '2290161248277',
    'payment_provider' => 'MTN',
    'country' => 'benin',
    'firstname' => 'Cray',
    'lastname' => 'Momo',
]);

// Requery MoMo transaction
// Check the status of a transaction using your reference
$status = Cray::momo()->requery('customer_reference_id');

3. Wallets

Fetch wallet balances.

// Get all wallet balances
// Returns a list of balances for all currencies in your merchant wallet
$balances = Cray::wallets()->balances();

// Get subaccounts
// Returns a list of subaccounts created under your merchant account
$subaccounts = Cray::wallets()->subaccounts();

4. FX & Conversions

Handle exchange rates and currency conversions.

// Get specific exchange rate
// Check the current rate between two currencies
$rate = Cray::fx()->rates([
    'source_currency' => 'USD',
    'destination_currency' => 'NGN'
]);

// Get rates by destination
// Get all available rates for a specific destination currency
$rates = Cray::fx()->ratesByDestination([
    'destination_currency' => 'NGN'
]);

// Generate a quote
// Lock in a rate for a conversion (valid for a limited time)
$quote = Cray::fx()->quote([
    'source_currency' => 'NGN',
    'destination_currency' => 'USD',
    'source_amount' => 1500
]);

// Execute conversion
// Finalize the conversion using the quote ID received from the quote step
$conversion = Cray::fx()->convert([
    'quote_id' => 'quote:98a5d6d3-7cbc-4c7d-b4f6-d3bbbbe340b6'
]);

// Query conversions history
// Get a list of past conversions
$history = Cray::fx()->conversions();

5. Payouts

Manage disbursements and transfers.

// Get payment methods for a country
// Returns available payout methods (e.g., bank_transfer, mobile_money) for a specific country
$methods = Cray::payouts()->paymentMethods('NG');

// Get banks (optionally filter by country code)
// Returns a list of supported banks and their codes
$banks = Cray::payouts()->banks('GH');

// Validate account name
// Verify that an account number belongs to a specific user before disbursing
$account = Cray::payouts()->validateAccount([
    'account_number' => '0112345678',
    'bank_code' => '058',
    'country_code' => 'GH' // if applicable
]);

// Disburse funds
// Send money to a beneficiary
$transfer = Cray::payouts()->disburse([
    'customer_reference' => 'ref-123',
    'account_number' => '898789',
    'bank_code' => '78978',
    'amount' => '10',
    'currency' => 'NGN',
    'narration' => 'Payment for services',
    'sender_info' => ['name' => 'My Business'],
    'recipient_name' => 'John Doe'
]);

// Requery payout
// Check the status of a payout transaction
$status = Cray::payouts()->requery('transaction_id');

6. Crypto Payouts

Send stablecoin payouts to on-chain wallet beneficiaries.

// Get supported crypto payout assets
$assets = Cray::cryptoPayouts()->supportedAssets();

// Add a wallet beneficiary
$beneficiary = Cray::cryptoPayouts()->addBeneficiary([
    'name' => 'OMU',
    'asset' => 'TRX_USDT_S2UZ',
    'wallet_address' => 'wallet_address',
]);

// Initiate a crypto payout
$payout = Cray::cryptoPayouts()->initiatePayout([
    'amount' => '2',
    'currency' => 'TRX_USDT_S2UZ',
    'address_reference' => 'beneficiary_reference',
    'customer_reference' => 'customer_ref_123',
    'narration' => 'Stablecoin payout',
]);

7. Refunds

Initiate and track refunds.

// Initiate a refund (full or partial)
// 'pan': Masked PAN or token of the card to be refunded
// 'subaccount_id': The subaccount that received the original payment (if applicable)
$refund = Cray::refunds()->initiate([
    'pan' => '4696660001638370',
    'subaccount_id' => '9999999999',
    'amount' => '1.2' // Optional, for partial refund
]);

// Check refund status
$status = Cray::refunds()->query('refund_reference_id');

8. Failed Payout Webhooks

Retrieve and retry failed payout webhook deliveries.

// List failed payout webhooks
$failed = Cray::webhooks()->failedPayoutWebhooks();

// Retry a failed payout webhook
$retry = Cray::webhooks()->retryFailedPayoutWebhook('50');

9. Virtual Accounts

Create and manage NGN virtual collection accounts (Monnify, Wema, etc.).

// Create a virtual account
$va = Cray::virtualAccounts()->create([
    'bvn'                  => '22192474887',
    'type'                 => 'Corporate',       // 'Corporate' or 'Individual'
    'nin'                  => '11111122221',
    'virtual_account_type' => 'Permanent',       // 'Permanent' or 'Onetime'
    'account_name'         => 'BOlaOla',
    'rc_number'            => '99988828822',     // Required for Corporate type
    'currency'             => 'NGN',
    'reference'            => 'cbf0d060-1544-4a53-a00b-7cb75a3eb59d',
    'customer_email'       => 'hello@gmail.com',
    'provider'             => 'monnify',
]);

// Initiate a virtual account request (pre-create step)
$initiated = Cray::virtualAccounts()->initiate([
    'provider' => 'wema',
    'bvn'      => '22192474887',
]);

// List all virtual accounts for the merchant
$list = Cray::virtualAccounts()->list();

// Get available virtual account providers
$providers = Cray::virtualAccounts()->providers();

// Submit OTP to generate the Wema wallet
$result = Cray::virtualAccounts()->generateWallet([
    'otp'            => '768238',
    'customer_email' => 'hello@gmail.com',
]);

Error Handling

The package throws specific exceptions for different error scenarios. You should catch these exceptions to handle errors gracefully.

use Cray\Laravel\Exceptions\CrayApiException;
use Cray\Laravel\Exceptions\CrayAuthenticationException;
use Cray\Laravel\Exceptions\CrayValidationException;
use Cray\Laravel\Exceptions\CrayTimeoutException;

try {
    $response = Cray::cards()->initiate($payload);
} catch (CrayAuthenticationException $e) {
    // Handle invalid API key or unauthorized access
    return response()->json(['error' => 'Unauthorized'], 401);
} catch (CrayValidationException $e) {
    // Handle validation errors (400/422)
    // $e->getErrors() contains the validation details
    return response()->json(['errors' => $e->getErrors()], 422);
} catch (CrayTimeoutException $e) {
    // Handle timeouts
    return response()->json(['error' => 'Request timed out'], 504);
} catch (CrayApiException $e) {
    // Handle other API errors (5xx, etc.)
    return response()->json(['error' => $e->getMessage()], 500);
}

License

The MIT License (MIT).