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PHP SDK

The Zentra PHP SDK provides a straightforward way to integrate Zentra payments and banking services into your PHP or Laravel application.
The reviewed public HTTP surface for SDK integrations today is transfers, webhooks, virtual accounts, payments, cards, and tenant-enabled identity. Customers, wallets, and other higher-level helpers remain compatibility or draft surfaces unless your environment explicitly enables them.
composer require zentra/sdk

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Configuration

Initialize the client with your API key. 
<?php
require_once('vendor/autoload.php');

use Zentra\Zentra;

$client = new Zentra(
    getenv('ZENTRA_SECRET_KEY'),
    'https://api.usezentra.com'
);

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Laravel Configuration

Publish the configuration file: 
php artisan vendor:publish --provider="Zentra\Laravel\ServiceProvider"
Add your keys to .env: 
ZENTRA_SECRET_KEY=sk_sandbox_...
ZENTRA_PUBLIC_KEY=pk_sandbox_...

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Resources

  • $client->customers: Customer management
  • $client->payments: Reviewed public charges, refunds, and saved payment tokens plus older compatibility helpers
  • $client->transfers: Bank transfers
  • $client->virtualAccounts: Virtual account management
  • $client->cards: Card issuing
  • $client->identity: KYC verification

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Examples

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Create a Virtual Account

try {
    $account = $client->virtualAccounts->create([
        'customer_id' => 'cust_123abc',
        'account_name' => 'John Doe',
        'bank_code' => '058' // GTBank
    ]);
    
    echo "Account Number: " . $account->account_number;
} catch (\Exception $e) {
    echo "Error: " . $e->getMessage();
}

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Create And Verify A Charge

use Zentra\Zentra;

$client = new Zentra(getenv('ZENTRA_SECRET_KEY'));

$charge = $client->payments->charge([
    'amount_minor' => 500000,
    'currency' => 'NGN',
    'reference' => 'ORD-' . time(),
    'email' => 'buyer@example.com',
    'callback_url' => 'https://example.com/payments/callback',
], 'idem_charge_order_123');

$verified = $client->payments->verify($charge['reference']);

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Refund A Charge

$refund = $client->payments->createRefund([
    'charge_reference' => $verified['reference'],
    'amount_minor' => 100000,
    'reason' => 'partial_refund',
], 'idem_refund_order_123');

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Store A Reusable Payment Token

$token = $client->payments->storeCardToken([
    'customer_id' => 'cus_123',
    'card_number' => '4242424242424242',
    'expiry_month' => '12',
    'expiry_year' => '2030',
    'cvv' => '123',
], 'idem_payment_token_123');

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Verify Webhook Signature

$signature = $_SERVER['HTTP_X_ZENTRA_SIGNATURE'];
$payload = file_get_contents('php://input');

if ($client->webhooks->verify($payload, $signature)) {
    // Process event
    $event = json_decode($payload);
    
    switch ($event->event) {
        case 'payment.success':
            // Grant value
            break;
    }
    
    http_response_code(200);
} else {
    http_response_code(400);
    exit();
}

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Error Handling

The SDK throws specific exceptions for better control: 
use Zentra\Exceptions\ApiException;
use Zentra\Exceptions\AuthenticationException;

try {
    $client->transfers->create($data);
} catch (AuthenticationException $e) {
    // Invalid API key
} catch (ApiException $e) {
    // Zentra API error (e.g., insufficient funds)
    $error = $e->getBody();
} catch (\Exception $e) {
    // Network or other errors
}

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Requirements

  • PHP 7.4 or higher
  • Composer
  • cURL extension

GitHub Repo

View source code

Packagist

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