Laravel TCB CMS

A Laravel package for integrating with Tanzania Commercial Bank's Cash Management System (CMS) API. This package enables payment reference creation, IPN (Instant Payment Notification) handling, reconciliation, and reference cancellation.

Requirements

• PHP 8.4+
• Laravel 12.x or 13.x

Installation

Install the package via Composer:

composer require keenops/laravel-tcb-cms

The package will auto-register its service provider and facade.

Publish Configuration

php artisan vendor:publish --tag=tcb-cms-config

Run Migrations

php artisan migrate

This creates the tcb_cms_transactions table for transaction logging.

Configuration

Add the following environment variables to your .env file:

TCB_CMS_API_KEY=your-api-key
TCB_CMS_PARTNER_CODE=PART-YOURCODE
TCB_CMS_PROFILE_ID=1234567890
TCB_CMS_BASE_URL=https://partners.tcbbank.co.tz
TCB_CMS_RECONCILIATION_BASE_URL=https://partners.tcbbank.co.tz:8444
TCB_CMS_IPN_ROUTE=/tcb-cms/ipn
TCB_CMS_VERIFY_IP=false
TCB_CMS_ALLOWED_IPS=
TCB_CMS_TIMEOUT=30
TCB_CMS_RETRY_TIMES=3
TCB_CMS_LOGGING_ENABLED=true

Configuration Options

Usage

Using the Facade

use Keenops\LaravelTcbCms\Facades\TcbCms;

Create a Payment Reference

Create a payment reference for a customer to make payments:

$response = TcbCms::createReference(
    reference: '999MYREF001',
    name: 'John Doe',
    mobile: '0712345678',
    message: 'Invoice #12345',
);

if ($response->isSuccessful()) {
    echo "Account No: " . $response->accountNo;
    echo "Reference No: " . $response->referenceNo;
} else {
    echo "Error: " . $response->message;
}

With optional amount and expiry date:

$response = TcbCms::createReference(
    reference: '999MYREF001',
    name: 'John Doe',
    mobile: '0712345678',
    message: 'Invoice #12345',
    amount: 50000.00,
    expiryDate: '2024-12-31',
);

Cancel a Payment Reference

$response = TcbCms::cancelReference(
    accountNo: '240123456789',
    referenceNo: '999MYREF001',
);

if ($response->isSuccessful()) {
    echo "Reference cancelled successfully";
}

Reconciliation

Fetch all transactions within a date range:

use Carbon\Carbon;

$response = TcbCms::reconcile(
    startDate: Carbon::now()->subDays(7),
    endDate: Carbon::now(),
);

if ($response->isSuccessful()) {
    echo "Total Transactions: " . $response->totalCount;
    echo "Total Amount: " . $response->totalAmount;

    foreach ($response->transactions as $transaction) {
        echo $transaction->transactionId;
        echo $transaction->reference;
        echo $transaction->amount;
        echo $transaction->payerName;
        echo $transaction->transactionDate->format('Y-m-d H:i:s');
    }
}

Handling Payment Notifications (IPN)

The package automatically registers an IPN route at /tcb-cms/ipn (configurable). When TCB Bank sends a payment notification, the package dispatches a PaymentReceived event.

Create an Event Listener

// app/Listeners/HandleTcbPayment.php

namespace App\Listeners;

use Keenops\LaravelTcbCms\Events\PaymentReceived;

class HandleTcbPayment
{
    public function handle(PaymentReceived $event): void
    {
        $payload = $event->payload;

        // Access payment details
        $transactionId = $payload->transactionId;
        $reference = $payload->reference;
        $amount = $payload->amount;
        $payerName = $payload->payerName;
        $payerMobile = $payload->payerMobile;
        $transactionDate = $payload->transactionDate;

        // Update your order/invoice
        $order = Order::where('payment_reference', $reference)->first();

        if ($order) {
            $order->markAsPaid($transactionId, $amount);
        }
    }
}

Register the Listener

// app/Providers/EventServiceProvider.php

use Keenops\LaravelTcbCms\Events\PaymentReceived;
use App\Listeners\HandleTcbPayment;

protected $listen = [
    PaymentReceived::class => [
        HandleTcbPayment::class,
    ],
];

Or using Laravel 11+ event discovery, the listener will be auto-registered.

Available Events

Payment Channel Helper

Get payment instructions for different channels:

use Keenops\LaravelTcbCms\Enums\PaymentChannel;

// Get instructions for a specific channel
$instructions = PaymentChannel::TcbMobile->getPaymentInstructions('999MYREF001');
// "Open TCB Mobile App > Payments > Bill Payments > Enter Reference: 999MYREF001"

// Get all channels with instructions
$channels = PaymentChannel::allWithInstructions('999MYREF001');

foreach ($channels as $value => $channel) {
    echo $channel['label'];        // "TCB Mobile Banking"
    echo $channel['instructions']; // Payment instructions
}

Available channels:

• TCB_MOBILE - TCB Mobile Banking
• TCB_BRANCH - TCB Branch
• TCB_ATM - TCB ATM
• USSD - USSD Banking
• INTERNET_BANKING - Internet Banking
• AGENT_BANKING - Agent Banking
• PESALINK - PesaLink

Transaction Logging

All API requests and IPN callbacks are logged to the tcb_cms_transactions table when logging is enabled.

Query Transaction Logs

use Keenops\LaravelTcbCms\Models\TcbTransaction;

// Get all transactions for a reference
$transactions = TcbTransaction::forReference('999MYREF001')->get();

// Get all successful transactions
$successful = TcbTransaction::successful()->get();

// Get all failed transactions
$failed = TcbTransaction::failed()->get();

// Get transactions by type
$ipnLogs = TcbTransaction::ofType('ipn')->get();
$createLogs = TcbTransaction::ofType('create_reference')->get();
$cancelLogs = TcbTransaction::ofType('cancel_reference')->get();
$reconcileLogs = TcbTransaction::ofType('reconciliation')->get();

Disable Logging

Set TCB_CMS_LOGGING_ENABLED=false in your .env file or update the config:

// config/tcb-cms.php
'logging' => [
    'enabled' => false,
],

IP Verification for IPN

For additional security, enable IP verification to only accept IPN callbacks from TCB Bank's servers:

TCB_CMS_VERIFY_IP=true
TCB_CMS_ALLOWED_IPS=192.168.1.1,192.168.1.2

Error Handling

The package throws specific exceptions for different error scenarios:

use Keenops\LaravelTcbCms\Exceptions\TcbCmsException;
use Keenops\LaravelTcbCms\Exceptions\ApiConnectionException;
use Keenops\LaravelTcbCms\Exceptions\InvalidApiKeyException;
use Keenops\LaravelTcbCms\Exceptions\InvalidReferenceException;

try {
    $response = TcbCms::createReference(...);
} catch (InvalidApiKeyException $e) {
    // Invalid API key
} catch (ApiConnectionException $e) {
    // Connection failed
} catch (TcbCmsException $e) {
    // General API error
    $context = $e->context(); // Additional error context
}

Response Status Codes

use Keenops\LaravelTcbCms\Enums\ResponseStatus;

ResponseStatus::Success;         // 0 - Successful operation
ResponseStatus::Failure;         // 1 - Operation failed
ResponseStatus::ConnectionError; // 2 - Connection error
ResponseStatus::ApiKeyError;     // 4 - Invalid API key

Testing

Run the package tests:

composer test

Or using Pest directly:

vendor/bin/pest

Mocking in Your Application Tests

use Illuminate\Support\Facades\Http;
use Keenops\LaravelTcbCms\Facades\TcbCms;

it('creates an order with payment reference', function () {
    Http::fake([
        '*/api/v1/cms/reference/create' => Http::response([
            'status' => 0,
            'message' => 'Reference created successfully',
            'accountNo' => '240123456789',
            'referenceNo' => '999MYREF001',
            'partnerCode' => 'TEST-PARTNER',
        ], 200),
    ]);

    $response = TcbCms::createReference(
        reference: '999MYREF001',
        name: 'John Doe',
        mobile: '0712345678',
        message: 'Test Order',
    );

    expect($response->isSuccessful())->toBeTrue();
});

License

The MIT License (MIT). Please see License File for more information.

Credits

• Kimwalu

Support

For issues and feature requests, please use the GitHub issue tracker.