A Testimplementation of the Moneywave API emmanix2002 by Flutterwave

v0.2.4 2018-01-29 18:51 UTC


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A PHP library for consuming the Moneywave API services.
You can check out the documentation to see all that is available:


To get started, you simply need to install it via composer:

$ composer require emmanix2002/moneywave

This will add it to your composer.json and install it as a project dependency.


All the Features and Resources available on the Moneywave service are exposed as Services. Hence, to use any of the services, it first needs to be created.

All Features and Resources on the Moneywave API are exposed as services in this library.

The entry point to this library is the Moneywave class.

$moneywave = new Moneywave();

We'll discuss more about this later.


To use the library, you need to get your credentials from your Moneywave account. They provide you two keys:

  • API Key
  • Secret Key

Your account can be in one of two states: Test or Production. For each of these states, you'll use different keys.
These keys are required by the Moneywave class (and must be protected -- they are used to authenticate the merchant account); to use them with this library, you can use one of two possible methods.

Environment Variables

Using this method stores the key in a specific file on your server, meaning the values are not hardcoded into your code. The library expects to find a file called .env at the same level as your composer vendor directory.


As you can see above, the setting file should be at the level described. The content of the file should be the same as you can find in the .env.example like so:

# your account Moneywave API key
MONEYWAVE_API_KEY="your API key goes here"
# your account Moneywave Secret key
MONEYWAVE_SECRET_KEY="your secret key goes here"
# the environment - staging | production

Those values must be set to use the library; with this done, you can simply call:

$moneywave = new Moneywave();

Pass into the Constructor

The second way to configure the Moneywave client is to pass all the settings into the constructor.
Unlike method one, you'll need to store the keys somewhere and provide them to the client when you instantiate it.

$moneywave = new Moneywave(null, $apiKey, $secretKey); # this defaults to the STAGING environment
$moneywave = new Moneywave(null, $apiKey, $secretKey, Environment::STAGING);


When the client is instantiated (see configuration), it automatically starts up the VerifyMerchant service. This service gets an access token from the Moneywave service that will be used to authorize every other request you make against the API.
Every access token has a lifespan of 2 hours. In your application, you have one of 2 options:

  • Save the retrieved token to your Session to use it across multiple requests
  • Allow the library request one for every call made to the API

For the first option, take a look at the sample files in the examples directory. You'll see something like this:

use Emmanix2002\Moneywave\Exception\ValidationException;
use Emmanix2002\Moneywave\Moneywave;


try {
    $accessToken = !empty($_SESSION['accessToken']) ? $_SESSION['accessToken'] : null;
    $mw = new Moneywave($accessToken);
    $_SESSION['accessToken'] = $mw->getAccessToken();
    $query = $mw->createWalletBalanceService();
    $response = $query->send();
} catch (ValidationException $e) {

This makes it possible to use the same access token for another request from the same machine.


After instantiating the Moneywave object, you follow these steps to use a service:

  • create an instance of the required service from it by calling one of the create*Service() methods
  • set the properties on the service object
  • call the send() method on the created service object.

Each feature and resource maps to a service; the mappings can be easily inferred from the class name.
The table below describes all the services:

Class Name Service Call
AccountNumberValidation createAccountNumberValidationService
AccountToAccount createAccountToAccountService
AccountToWallet createAccountToWalletService
AccountTransfer createAccountTransferService
Banks createBanksService
CardToBankAccount createCardToBankAccountService
CardTokenization createCardTokenizationService
CardToWallet createCardToWalletService
CardTransfer createCardTransferService
Disburse createDisburseService
DisburseBulk createDisburseBulkService
InternetBankingToWallet createInternetBankingToWalletService
QueryCardToAccountTransfer createQueryCardToAccountTransfer
QueryDisbursement createQueryDisbursementService
RetryFailedTransfer createRetryFailedTransferService
TotalChargeToCard createTotalChargeToCardService
ValidateCardTransfer createValidateCardTransferService
ValidateTransfer createValidateTransferService
VerifyMerchant createVerifyMerchantService
WalletBalance createWalletBalanceService

Each service has a list of properties that must be set on it before it can be sent to the API; if one or more of these properties are not set, calling send() throws a ValidationException.
Let's use the Account Number validation API resource as an example:
From the documentation, the following properties are required:

Field Name Description
account_number the account number of the sender
bank_code the bank code of the account to resolve

To use the library, we'll do something like this:

$moneywave = new Moneywave();
$accountValidation = $moneywave->createAccountNumberValidationService();
$accountValidation->account_number = '0690000004';
$accountValidation->bank_code = Banks::ACCESS_BANK;
$response = $accountValidation->send();

If one of those fields was not set on the service object, a ValidationException exception would have been thrown.

Every field defined within the Moneywave documentation (for a service) can be set as a property on the created service object.

Special Fields

There are certain fields which are special, and do not need to be set by you (although you can choose to set them); they'll be automatically given their required value by the library. Find them listed below:

Field Description
apiKey this will be set to the API key used to instantiate the Moneywave object
secret this will be set to the secret key used for the Moneywave object
fee set by default to 0
recipient for the createCardToWalletService, this is set to wallet by default
currency automatically set to Naira Currency::NAIRA

Special Services

Just as there're special fields, there're also some special service objects, that present more than the regular: send() method.

Transfers (createCardToBankAccountService(), createCardToWalletService())

These transfer services are special because, most times, they're 2-legged. They involve the following steps:

1 The transfer leg 2 The validation leg

These steps work one after the other; and both steps must be completed to complete the transfer.
There're 2 services that take care of the validation leg; they are:

  • createValidateCardTransferService(): allows you to validate a card to wallet or card to account transfer made with a Verve debit card
  • createValidateTransferService(): allows you to validate a card to wallet or card to account transfer made with an account. That is, the charge_with field was set to ChargeMethod::ACCOUNT.

So, when you receive a success response from the API after the first leg; you start the validate leg.

NOTE: For Mastercard and Visa card transfers, you'll receive a authurl key in the successful API response; you are to redirect to this URL for the payer to validate the transfer. After success or failure, the payer will be redirected back to the URL set in the redirecturl field of the transfer request.


This service is for disbursing cash from your Moneywave wallet to multiple bank accounts. It has a special method on it for adding the individual beneficiary accounts.

addRecipient(string $bankCode, string $accountNumber, float $amount, string $reference = null);

This method allows you to add each beneficiary account in turn:

$bulkDisbursement = $moneywave->createDisburseBulkService();
$bulkDisbursement->lock = 'wallet password';
$bulkDisbursement->ref = 'unique reference';    # suggestion: you could use a UUID; check out ramsey/uuid package
$bulkDisbursement->senderName = 'MoneywaveSDK';
$bulkDisbursement->addRecipient(Banks::ACCESS_BANK, '0690000004', 1)
                 ->addRecipient(Banks::ACCESS_BANK, '0690000005', 2);

Look at the examples/disburse_bulk.php file for the full example.

Handling Responses

If all the required fields on the service object (see services) have been set, the call to send() will return a response object which is an instance of the MoneywaveResponse class.
Continuing with the Account Validation example above:

$response = $accountValidation->send();

A successful response JSON will be of this form:

    status: "success",
    data: {
        name: "MICHAEL JACKSON"

While a failure response JSON will be of the form:

    status: "error",
    message: "error message description",
    code: "error code string; e.g. INVALID_ID",
    data: "data string -- this is absent most of the time"

The $response variable presents a few functions that can be used to work with this data:

# was a request successful?
if ($response->isSuccessful()) {
    # do something with the returned data
    $name = $response->getData()['name'];
} else {
    # this was a failure
    $message = $response->getMessage();
    $code = $response->getCode();
    $data = $response->getData();

NOTE: All keys within the response JSON are also accessible from the response object as properties:

if ($response->isSuccessful()) {
    $name = $response->getData()['name'];
} else {
    $message = $response->message;
    $code = $response->code;

As another example, the response from the VerifyMerchant service looks like this:

    status: "success",
    token: "" // a valid merchant token

Using the response, you'll have to do this:

$response = $verifyService->send();
if ($response->isSuccessful()) {
    $token = $response->token;
} else {
    # process the error response as you normally would

The table below describes the methods defined on the MoneywaveResponse object:

Method Return Type Description
getRawResponse() string the JSON response from the API
isSuccessful() bool checks if the status key === "success"
getCode() string returns the code key
getMessage() string returns the message attribute
getData() array returns the data key

NOTE: For responses where data is a string; it returns this array [data: string]