moneymoves / sdk

v1.0.0 2026-10-20 11:16 UTC

Requires

• php: >=7.4
• ext-curl: *
• ext-json: *

MIT

• checkout
• payments
• webhooks
• stablecoins
• USDC
• money moves

Published on Packagist.org on 2026-10-20 11:20 UTC

README

The official PHP library for the Money Moves Business API: take payments by bank transfer, the Money Moves app or stablecoins, and follow settlements, refunds and disputes.

PHP 7.4 or later, with the curl and json extensions. No other dependencies.

Install

composer require moneymoves/sdk

Use

<?php
require 'vendor/autoload.php';

$mm = new \MoneyMoves\MoneyMoves(getenv('MONEYMOVES_SECRET_KEY'));

$checkout = $mm->checkouts->create(
    ['amount' => 5000, 'currency' => 'NGN', 'reference' => 'order_1042', 'redirect_url' => 'https://yourshop.com/thanks'],
    ['idempotency_key' => 'order_1042']
);
header('Location: ' . $checkout['url']);

foreach ($mm->payments->each(['status' => 'successful']) as $payment) {
    echo $payment['reference'], ' ', $payment['amount_ngn'], PHP_EOL;
}

Objects come back as associative arrays, exactly as the API sends them. Every resource takes an id or a reference:

Resource	Methods
checkouts	create, retrieve, list, each, cancel
payments	retrieve, list, each
settlements	retrieve, list, each
refunds	create, retrieve, list, each, cancel, simulate (test keys)
disputes	retrieve, list, each, reply, create and accept (test keys)
events	retrieve, list, each
account, balance, rates	retrieve()

Webhooks

$payload = file_get_contents('php://input');
try {
    $event = $mm->webhooks->constructEvent($payload, $_SERVER['HTTP_MM_SIGNATURE'] ?? null, getenv('MONEYMOVES_WEBHOOK_SECRET'));
} catch (\MoneyMoves\SignatureException $e) {
    http_response_code(400);
    exit;
}
if ($event['type'] === 'payment.successful') {
    // Fulfil the order: $event['data']['object']
}
http_response_code(200);

Pass the raw body, before any JSON decoding.

Errors and retries

API errors throw MoneyMoves\MoneyMovesException with status, errorCode and requestId. Reads are retried on network errors, 429 and 5xx. A write is sent once, unless you give it an idempotency_key: then it's retried safely. If a write without one gets no answer, you get a ConnectionException with outcomeUnknown set, so you can check before trying again.

Options

new \MoneyMoves\MoneyMoves($key, ['timeout' => 30, 'max_retries' => 2, 'base_url' => 'https://business.usemoneymoves.xyz/api/v1']);

License

MIT