nexera/pay

Nexera Pay — API paiement RDC (Mobile Money + Carte). SDK PHP officiel.

v0.1.0 2026-08-08 19:56 UTC

Requires

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

MIT

• Nexera Africa

• payment
• orange
• mpesa
• airtel
• rdc
• congo
• mobile-money
• nexera
• fintech-africa

Published on Packagist.org on 2026-08-08 20:00 UTC

README

SDK PHP officiel pour Nexera Pay — API paiement Payment Facilitator RDC (Mobile Money + Carte, wrapper Moko/PayDRC/Cybersource).

Compatible PHP 7.4+, Laravel (any version), WordPress (plugins e-commerce).

Installation

composer require nexera/pay

Quickstart

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

$nexera = new \Nexera\Pay\NexeraPay(
    getenv('NEXERA_PAY_API_KEY'),
    getenv('NEXERA_PAY_SECRET'),
);

// Créer un paiement Mobile Money (STK)
$payment = $nexera->payments->create([
    'amount'    => 10000,          // 100.00 USD en cents
    'currency'  => 'USD',
    'method'    => 'mobile_money',
    'operator'  => 'mpesa',
    'phone'     => '243812345001',
    'reference' => 'INV-2026-0001',
    'description' => 'Facture #INV-2026-0001',
]);

echo $payment['id'] . ' — ' . $payment['status'];   // pay_xxx — processing

Paiement carte (hosted checkout)

$payment = $nexera->payments->create([
    'amount'         => 50000,
    'currency'       => 'USD',
    'method'         => 'card',
    'reference'      => 'INV-002',
    'customer_email' => '[e-mail]',
    'customer_name'  => 'Jean Kabala',
    'return_url'     => 'https://monsite.cd/facture/002',
]);

// Rediriger vers le checkout hosted MokoAfrika
header('Location: ' . $payment['checkout_url']);

Vérifier un webhook (dans Laravel)

use Nexera\Pay\Webhooks;

Route::post('/webhooks/nexera', function (Request $request) {
    $sig = $request->header('X-Nexera-Signature', '');
    $body = $request->getContent();

    if (!Webhooks::verifySignature(env('NEXERA_WEBHOOK_SECRET'), $sig, $body)) {
        return response('invalid signature', 401);
    }

    $event = json_decode($body, true);
    if ($event['type'] === 'payment.succeeded') {
        $tx = $event['data']['object'];
        // Marquer la facture tx['reference'] comme payée dans ta DB
    }
    return response('ok', 200);
});

Payout B2C

$payout = $nexera->payouts->create([
    'amount'    => 100,
    'currency'  => 'CDF',
    'operator'  => 'mpesa',
    'phone'     => '243828584688',
    'reference' => 'REMB-001',
    'description' => 'Remboursement client',
]);

Refund

// Refund total
$nexera->refunds->create('pay_xxx');

// Refund partiel
$nexera->refunds->create('pay_xxx', ['amount' => 5000, 'reason' => 'Article manquant']);

Balance

$bal = $nexera->balance->get();
echo $bal['available']['USD'];   // en cents

Gestion d'erreurs

use Nexera\Pay\NexeraPay;
use Nexera\Pay\Errors\{ValidationError, RateLimitError, SignatureError};

try {
    $p = $nexera->payments->create([...]);
} catch (RateLimitError $e) {
    echo "Rate limited, retry dans {$e->retryAfter}s";
} catch (ValidationError $e) {
    echo "Validation failed: {$e->detail}";
} catch (SignatureError $e) {
    // Clé/secret incorrect ou horloge système décalée
}

Sandbox

Clé nex_test_... → tout mocké. Patterns MSISDN de test :

MSISDN	Résultat
...001	Succès en 3s
...002	Failed
...003	Timeout
...004	Failed (wrong PIN)

Docs

https://docs.nexera.africa/pay

License

MIT