azaharizaman/nexus-payment-rails

Payment rails extension providing ACH, Wire, Check, RTGS, and other payment network implementations

v0.1.0-alpha1 2026-05-05 02:28 UTC

Requires

• php: ^8.3
• azaharizaman/nexus-common: dev-main
• psr/log: ^3.0

Requires (Dev)

• friendsofphp/php-cs-fixer: ^3.0
• phpstan/phpstan: ^1.10
• phpunit/phpunit: ^10.0

Suggests

• azaharizaman/nexus-payment: dev-main

MIT

• Nexus Team

• payment
• check
• ach
• wire
• ERP
• rtgs
• payment-rails

README

Version: 0.1.0
Status: In Development
PHP: ^8.3
Extends: azaharizaman/nexus-payment

Overview

Nexus\PaymentRails is an extension package for Nexus\Payment providing payment rail implementations for ACH, Wire Transfer, Check, RTGS, and other payment networks. This package handles the specifics of each payment method including validation, fee calculation, processing time, and execution.

Installation

composer require azaharizaman/nexus-payment-rails

Features

• ACH Payments - Automated Clearing House (US banking network)
• Wire Transfers - SWIFT/Fedwire/CHIPS
• Check Processing - Physical check generation and positive pay
• RTGS - Real-Time Gross Settlement
• Virtual Cards - Single-use virtual card generation
• Rail Selection - Automatic optimal rail selection based on criteria

Quick Start

use Nexus\PaymentRails\Contracts\PaymentRailSelectorInterface;
use Nexus\PaymentRails\Contracts\PaymentRailInterface;

final readonly class DisbursementService
{
    public function __construct(
        private PaymentRailSelectorInterface $railSelector,
    ) {}

    public function processPayment(PaymentRequest $request): PaymentResult
    {
        // Auto-select optimal rail based on amount, urgency, cost
        $rail = $this->railSelector->selectOptimalRail($request);
        
        // Execute via selected rail
        return $rail->execute($request);
    }
}

Available Rails

Rail	Class	Use Case
ACH	AchPaymentRail	US domestic, low-cost, 1-3 days
Wire	WirePaymentRail	Urgent, same-day, international
Check	CheckPaymentRail	Legacy vendors, mail delivery
RTGS	RtgsPaymentRail	High-value, real-time settlement
Virtual Card	VirtualCardPaymentRail	Secure, rebate-earning

Documentation

• Requirements
• Implementation Summary
• Test Suite Summary

License

MIT License. See LICENSE for details.