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Payment Gateways

Configure and manage 20+ payment gateways for subscription payments.

SSL Required

All payment gateways require HTTPS (SSL certificate). Payments will fail on non-secure connections.

Available Payment Gateways

CoinTrail supports 20+ payment gateways organized into three categories:

Screenshot: Payment gateways list showing all available gateways with their status admin/payments/gateways-overview.png

Payment Gateway Settings page showing all available payment gateways

Traditional Payment Processors

Gateway Regions Features Recurring
Stripe Global (46+ countries) Credit cards, 3D Secure, ACH Yes
PayPal Global (200+ countries) PayPal wallet, Credit cards Yes
Razorpay India Cards, UPI, Net Banking, Wallets Yes
Paystack Africa (Nigeria, Ghana, South Africa) Cards, Mobile Money, Bank Transfer Yes
Mollie Europe iDEAL, Bancontact, SEPA, Cards Yes
Flutterwave Africa, Global Cards, Mobile Money, Bank Limited
Paytm India Paytm Wallet, UPI, Cards Limited
Instamojo India Cards, UPI, Net Banking No
2Checkout Global Cards, PayPal, Wire Transfer Yes
Authorize.Net US, Canada, UK, Europe, Australia Credit Cards, eChecks Yes
Skrill Global Digital Wallet, Cards Limited

Cryptocurrency Payment Gateways

Gateway Supported Coins Settlement
Binance Pay 70+ cryptocurrencies Crypto or Fiat
Coinbase Commerce BTC, ETH, LTC, DOGE, USDC, DAI Crypto only
BitPay BTC, ETH, LTC, BCH, XRP, DOGE + stablecoins Fiat (bank) or Crypto
NOWPayments 150+ cryptocurrencies Crypto or Fiat
CoinGate 70+ cryptocurrencies EUR, USD, or Crypto
Cryptomus 20+ cryptocurrencies Crypto or Fiat

Manual Payment Methods

Method Description Admin Action Required
Bank Transfer Wire transfer to your bank account Manual approval after payment verification
Custom Manual Gateway Create any manual payment method with custom fields Manual approval after payment verification

Accessing Payment Gateway Settings

To configure payment gateways:

  1. Log in to the Admin Panel at /admin
  2. Navigate to Payment Gateway Settings in the sidebar
  3. You'll see a list of all available gateways
  4. Click on any gateway to configure it
Screenshot: Admin sidebar with Payment Gateway Settings highlighted admin/payments/gateway-settings-navigation.png

Navigate to Payment Gateway Settings from the admin sidebar

General Gateway Configuration

Each gateway has these common settings:

Setting Description
Enabled Toggle to enable/disable the gateway on checkout
Display Name Name shown to users during checkout
Description Brief description shown on payment selection
Logo Custom logo image for the gateway
Sandbox Mode Enable test/sandbox mode for development
Supported Currencies Which currencies this gateway accepts
Min/Max Amount Transaction amount limits
Sort Order Display order on checkout page
Screenshot: General gateway configuration form showing common settings admin/payments/gateway-general-settings.png

Common gateway settings available for all payment gateways

Stripe Configuration

Stripe is the recommended payment gateway for most use cases.

Getting API Keys

  1. Create or log in to your Stripe Dashboard
  2. Go to Developers → API Keys
  3. Copy your Publishable Key and Secret Key
  4. For testing, use the test mode keys (toggle "Test mode" on)

Configuration Fields

Field Description Example
Publishable Key Public API key (starts with pk_) pk_test_xxxxx or pk_live_xxxxx
Secret Key Private API key (starts with sk_) sk_test_xxxxx or sk_live_xxxxx
Webhook Secret For webhook signature verification whsec_xxxxx

Setting Up Webhooks

  1. In Stripe Dashboard, go to Developers → Webhooks
  2. Click Add endpoint
  3. Enter your webhook URL: https://yourdomain.com/api/webhooks/stripe
  4. Select events to listen for:
    • checkout.session.completed
    • customer.subscription.updated
    • customer.subscription.deleted
    • invoice.payment_succeeded
    • invoice.payment_failed
  5. Copy the Webhook Signing Secret and paste it in the admin panel
Test Card Numbers

Use 4242 4242 4242 4242 with any future expiry date and any CVC for testing in sandbox mode.

PayPal Configuration

Getting API Credentials

  1. Log in to PayPal Developer Dashboard
  2. Go to Apps & Credentials
  3. Create a new app or select existing one
  4. Copy the Client ID and Secret

Configuration Fields

Field Description
Client ID PayPal application Client ID
Client Secret PayPal application Secret
Webhook ID PayPal webhook ID for notifications

Setting Up Webhooks

  1. In PayPal Developer Dashboard, go to your app
  2. Scroll to Webhooks section
  3. Click Add Webhook
  4. Enter URL: https://yourdomain.com/api/webhooks/paypal
  5. Select events:
    • BILLING.SUBSCRIPTION.ACTIVATED
    • BILLING.SUBSCRIPTION.CANCELLED
    • PAYMENT.SALE.COMPLETED

Razorpay Configuration (India)

Getting API Keys

  1. Log in to Razorpay Dashboard
  2. Go to Settings → API Keys
  3. Generate a new key pair
  4. Copy Key ID and Key Secret

Configuration Fields

Field Description
Key ID Razorpay Key ID (starts with rzp_)
Key Secret Razorpay Key Secret
Webhook Secret For webhook signature verification

Webhook Setup

  1. Go to Settings → Webhooks
  2. Click Add New Webhook
  3. Enter URL: https://yourdomain.com/api/webhooks/razorpay
  4. Generate and copy the webhook secret
  5. Select events: payment.authorized, payment.captured, subscription.activated

Cryptocurrency Payment Setup

Binance Pay

  1. Log in to Binance Merchant Portal
  2. Create a merchant account if you haven't
  3. Go to API Management
  4. Create new API key with payment permissions
  5. Copy API Key and Secret Key

Coinbase Commerce

  1. Log in to Coinbase Commerce
  2. Go to Settings → API Keys
  3. Create a new API key
  4. Copy the API key
  5. Set up webhook: https://yourdomain.com/api/webhooks/coinbase

NOWPayments

  1. Create account at NOWPayments
  2. Go to Store Settings → API
  3. Copy your API Key
  4. Set IPN Callback URL: https://yourdomain.com/api/webhooks/nowpayments

Bank Transfer Configuration

Bank transfer allows users to make direct bank payments with manual verification.

Configuration

  1. Enable the Bank Transfer gateway
  2. Enter your bank details:
    • Bank Name
    • Account Name
    • Account Number
    • Routing/Sort Code (if applicable)
    • SWIFT/BIC Code (for international transfers)
    • IBAN (if applicable)
  3. Add payment instructions for users

Processing Bank Transfers

  1. User selects Bank Transfer at checkout
  2. User sees bank details and reference number
  3. User makes transfer and provides proof of payment
  4. Payment appears in Payment Transactions as "Pending"
  5. Admin verifies payment in bank account
  6. Admin approves/rejects the payment in admin panel
  7. User's subscription is activated upon approval

Testing Payments

Always Test First

Always test payments in sandbox/test mode before going live. Each gateway provides test credentials and test card numbers.

Test Card Numbers

Gateway Test Card Notes
Stripe 4242 4242 4242 4242 Any future expiry, any CVC
PayPal Use sandbox account Create test buyer account in developer dashboard
Razorpay 4111 1111 1111 1111 Test mode only
Paystack 4084 0841 0841 0841 Test mode: OTP is 123456

Troubleshooting

Solutions:

  • Check that the gateway is enabled in admin panel
  • Verify API credentials are correct
  • Check that the subscription currency is supported by the gateway
  • Clear application cache: php artisan cache:clear

Solutions:

  • Verify webhook URL is correctly set in gateway dashboard
  • Ensure your site has valid SSL certificate
  • Check that webhook secret is correctly configured
  • Check storage/logs/laravel.log for errors
  • Verify firewall isn't blocking incoming webhook requests

Solutions:

  • Check if webhook was received (check Payment Logs)
  • Verify webhook signature validation is passing
  • Check storage/logs/laravel.log for subscription creation errors
  • Manually activate subscription from admin panel if needed

Solutions:

  • Ensure subscription plan currency matches gateway's supported currencies
  • Update the supported currencies list in gateway settings
  • Some gateways only support specific currencies (e.g., Razorpay = INR only)