Cheddar Bindings for PHP

A PHP wrapper for Cheddar's application interface. Cheddar is a payment gateway for processing and executing transactions within a neat and universal API.

At the moment, the following payment methods and services are supported by Cheddar and this library:

• CardPay with optional addition for ComfortPay service -- Tatra banka, a.s.
• TatraPay -- Tatra banka, a.s.
• ePlatby VÚB -- VÚB, a.s.
• VÚB eCard -- VÚB, a.s.
• SporoPay -- Slovenská sporiteľna, a.s.
• iTerminal -- Poštová banka, a.s.
• GP webpay -- Global Payments Europe, s.r.o.
• TrustCard -- TrustPay, a.s.
• PayPal -- PayPal (Europe) S.à r.l. et Cie, S.C.A.

To see what is new or changed in the current version, check out the changelog.

Requirements

Cheddar requires PHP version 5.4.0 or greater (including PHP 7) with json, hash and cURL extensions installed.

If you use Composer, these dependencies should be handled automatically. If you install manually, you'll want to make sure that these extensions are available.

Setup and installation

Composer

The recommended way to install the library is to use Composer and add it as a dependency to your project's composer.json file.

composer require backbone/cheddar

Then to use the bindings, use Composer's autoload:

require_once('vendor/autoload.php');

Manual installation

If you do not wish to use Composer, you can download the latest release. Then, to use the library, include the init.php file.

require_once('/path/to/cheddar-php/init.php');

Usage

First off, you need to require the library and provide authentication information by providing your user handle and shared secret you got.

$client = new \Cheddar\Cheddar([
	'key' => 'TEST',
	'secret' => '00000000000000000000000000000000'
]);

If you need to access an environment other than production or are running custom instance of Cheddar service, you can set the endpoint manually.

$client->apiEndpoint('https://...');

And if you just want to use the sandbox version of default Cheddar instance, run the following command.

$client->sandbox(true);

Please note that only VÚB eCard, iTerminal, GP webpay and PayPal currently allow for using their test environments so in case of other providers production URLs will be used! When using sandbox with supported bank or financial institution never use real world credit cards / accounts for testing payment methods implementation (they will not work). Always use virtual testing cards / accounts provided for this purpose by the payment institution.

Creating a transaction

It is quite simple to instantiate a payment.

Here’s a quick piece of example code to get you started which will call the Cheddar service and retrieve UUID – universal identifier of the transaction and set the transaction status to none (see next section for more on transaction statuses). User's IP is automatically added to the data array before it is sent to the service.

$payment = $client->payment()->create(
    \Cheddar\Cheddar::SERVICE_CARDPAY, [
        'amount'           => 9.99,
        'currency'         => \Cheddar\Currencies::EUR,
        'variable_symbol'  => '1000000000',
        'payer_name'       => 'John Doe',
        'description'      => 'my first test payment',
        'payer_email'      => '[email protected]',
        'return_url'       => 'https://my-test-server.dev',
        'notification_url' => 'https://my-test-server.dev',
    ]
);

First argument is a service provider, which can currently be one of the following:

Service name	Description
Cheddar::SERVICE_SPOROPAY	SporoPay, Slovenská sporiteľňa
Cheddar::SERVICE_TATRAPAY	TatraPay, Tatra banka
Cheddar::SERVICE_CARDPAY	Cardpay, Tatra banka
Cheddar::SERVICE_EPLATBY	ePlatby, VÚB
Cheddar::SERVICE_ECARD	eCard, VÚB
Cheddar::SERVICE_PAYPAL	PayPal Payments Standard, PayPal
Cheddar::SERVICE_GPWEBPAY	GP webpay, Global Payments Europe
Cheddar::SERVICE_ITERMINAL	iTerminal, Poštová banka (firstdata.lv backend)
Cheddar::SERVICE_ITERMINAL2	iTerminal, Poštová banka (sia.eu backend)

Second argument to the function call is an associative array of configuration options. Which options have to be used and which have no effect at all depends on the service provider. The next table lists all possible attributes:

Attribute name	Data type	Required?	Notes
amount	float	✓	amount required in the specified currency
currency	string	✓	currency code or numeric code according to ISO 4217
variable_symbol	string	✓
constant_symbol	string
card_id	string		optional card token in periodical payments applicable only to ComfortPay transactions
payer_name	string	✓	customer’s name
payer_email	string	✓	customer’s email (which has to be a valid e-mail address)
language	string		customer’s language
description	string		reference for the customer
return_url or callback	string	✓	URL to return to after the payment iTerminal does not use this attribute since you have to set this up once for all transactions in their administration interface
notification_url	string		URL to send notifications to required for PayPal transactions
cpp_logo_image	string		header image at PayPal applicable only to PayPal transactions
cpp_cart_border_color	string		HEX code of colour at PayPal applicable only to PayPal transactions
periodicity	integer		periodicity in days, when the next periodical payment will be automatically executed; default value is 30 days applicable only to ComfortPay transactions

Note that all of the supported currencies are available as a simple constant on \Cheddar\Currencies class to make it easier in code.

After the call you can inspect the returning \Cheddar\Data\Payment object, which is described in the Getting transaction details part of this document.

To get to the URL of a payments gateway at the bank where the payment is processed just call the following:

header('Location: ' . $payment->redirectUrl());

After the payment process at the payment gateway is finished, you will be redirected to the URL you specified in return_url / callback parameter during the $client->payment()->create(...) call in the example above. The URL will have two more GET parameters added - uuid, for the payment identifier and status, for the current status of the payment transaction (for some payment methods this may change in time, and you will be notified about the change to the URL you specified in the notification_url parameter [see the Asynchronous transaction notifications part of this document for more info])

Allowed transaction statuses

Status name	Description
none	transaction has been created, but the user has not been redirected to bank’s payment gateway
in_progress	user has been redirected to bank’s payment gateway
completed	transaction has been successfully completed
denied or rejected	transaction has been rejected by the bank (the most usual reasons include user error in inputting card details and insufficient funds)
timeout	special temporary status used only by Tatra banka’s TatraPay service
pending	special status for PayPal before an IPN notification has resolved the transaction status as either rejected or completed
cancelled	in case of periodical payments available only with Tatra banka’s ComfortPay service this status means that planned transaction has been cancelled
expired	old payment without clear result (e.g. user abandoned the payment form while at bank’s gateway)

Getting transaction details

To get all details of an existing payment transaction simply pass the UUID of the payment to the following method:

$payment = $client->payment()->details($uuid);

Afterwards you can inspect the returning \Cheddar\Data\Payment object, which contains these properties:

Property name	Data type	Always present?	Default value	Notes
uuid	string	✓
status	string	✓	none	current transaction status (see the next table)
variable_symbol	string	✓		the same as was sent while creating the payment object (see previous section)
constant_symbol	string	✓	0308	payment for services
amount	float	✓	0.00	original amount of the transaction
refunded_amount	float	✓	0.00	refunded amount of the transaction
service_fee_amount	float	✓	0.00	provision for the transaction in card payments available when using CardPay / ComfortPay and set up with PGP encrypted statements or PayPal service
currency	Currencies	✓	EUR	currency of the transaction
periodicity	integer		0	number of days in which next payment will be executed
periodicity_no	integer		1	number of transaction in order (using the same variable symbol)
charge_on	Datetime			when was or should be this transaction executed
card_expire_on	Datetime		null	date of card expiration available only when using ComfortPay or VÚB eCard service
card_no	string			masked card number available only when using ComfortPay or VÚB eCard service
transaction_identifier	string			internal transaction identifier of the bank available only when using CardPay / ComfortPay, TatraPay or VÚB eCard service

Asynchronous transaction notifications

Transactions may have a notification_url attribute (in case of PayPal and ComfortPay the attribute is mandatory), that will receive a ping on every change to a transaction (in case of PayPal or ComfortPay it is also the only way to find out the status of the payment).

Cheddar calls the value of notification_url attribute as POST request with GET attributes uuid and signature (which needs to be verified) and application/json body with full payment details as explained in the previous section.

To validate the signature, you need to call the following:

$client->message()->validate(
    $_GET['uuid'], $_GET['signature']
);

In case the signature is incorrect a \Cheddar\Exceptions\MessageIntegrityException exception is thrown, otherwise the function returns true. After a successful validation you can trust the json-encoded body of the request.

The json-encoded body will look something like this:

{
    "uuid": "b1fcc76a-d284-4cbc-bce9-b415dc973763",
    "service": {
        "handle": "cardpay",
        "provider": "Tatra banka, a.s.",
        "name": "CardPay"
    },
    "status": {
        "status": "completed",
        "description": "The payment has been approved by the bank or financial institution"
    },
    "variable_symbol": "1000000000",
    "constant_symbol": "0308",
    "amount": 9.99,
    "refunded_amount": 0,
    "service_fee_amount": 0,
    "currency": {
        "alpha_code": "EUR",
        "numeric_code": 978,
        "name": "Euro"
    },
    "periodicity": 0,
    "periodicity_no": 1,
    "created_at": "2018-12-01 10:34:26",
    "events": [],
    "note": "my first test payment",
    "card_no": "****************",
    "transaction_identifier": "Aq83Lys6WHdiP8TFo6pnkRvTlpC="
}

Updating planned transaction

The next use case is the ability to change date and / or amount of a next planned playment. The output of the call is summary of the planned payment including its UUID.

$payment = $client->payment()->update($payment_uuid, [
    'charge_on' => (new \Datetime('tomorrow'))->format('Y-m-d'),
    'amount'    => 11.99
]);

However, also the status of the planned payment might be changed – from none to cancelled or the other way. Just make sure that the charge_on attribute is set to correct value or explicitly set it, when changing the status.

Refunding transactions

With Poštová banka’s iTerminal service you might once request a refund on executed transaction in part, or in full. In case of Tatra banka's CardPay service you might request as many refunds as you'd like until sum of all prior refunds reaches the amount of the original transaction.

The reason is more informative and should be one of either requested_by_customer, fraudelent, duplicate or unknown (default). Currency has to be the same as when executing the original payment.

$payment = $client->payment()->refund($payment_uuid, [
    'amount' => 11.99,
    'currency' => \Cheddar\Currencies::EUR,
    'reason' => 'requested_by_customer'
]);

Contributing

1. Check for open issues or open a new issue for a feature request or a bug.
2. Fork the repository and make your changes to the master branch (or branch off of it).
3. Send a pull request.

TODO

• thorough tests of functionality
• ability to use your own HTTP client

Development

Install dependencies as mentioned above, then run the test suite:

./vendor/bin/phpunit

Or to run an individual test file:

./vendor/bin/phpunit tests/CurlTransportTest.php

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