Full-stack PHP payment gateway and consumer wallet platform for Kenya
# OrbitPesa — Payment Gateway & Consumer Wallet
A full-stack payment gateway and consumer wallet platform for Kenya, built with PHP 8 and MySQL. Similar in scope to PayHero Kenya, combining a **merchant payment gateway** with a **consumer-facing mobile wallet**.
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## Features
### Merchant Payment Gateway
- **M-Pesa STK Push** — Safaricom Daraja API integration (sandbox & production)
- **Card Payments** — Stripe-ready checkout (simulated in dev)
- **Payment Links** — Shareable public checkout pages with QR codes
- **Wallet** — Internal merchant ledger with withdrawals
- **Webhooks** — Real-time event delivery with signing secrets
- **API Keys** — Test & live key pairs for REST API access
- **KYC** — Document upload and verification queue
- **Analytics** — Transaction volume charts by channel and day
- **Developer Portal** — Interactive API docs and console
### Consumer Wallet (OrbitPesa Wallet)
- **Onboarding** — Register with national ID or email; mobile-first UI
- **P2P Transfers** — Send money to other wallet users by email, phone or wallet ID
- **Receive Money** — Share wallet ID or QR for incoming transfers
- **Airtime Top-Up** — Safaricom, Airtel, Telkom, Faiba
- **Paybills** — KPLC, Nairobi Water, DSTV, KRA, NHIF, NSSF and manual entry
- **Bank & M-Pesa Out** — Transfer to M-Pesa or bank accounts
- **Transaction History** — Paginated log with type filters
- **Profile** — Edit details, change PIN, view stats
### Admin Console
- **Merchant management** — KYC review, suspend/activate, wallet credit
- **Transaction oversight** — All merchant transactions with export
- **Withdrawal queue** — Approve or reject pending withdrawals
- **Consumer Wallet admin** — Manage wallet users, browse all wallet transactions, adjust balances, suspend accounts
- **Fee configuration** — Per-channel fee rules
- **Activity logs** — Full admin action audit trail
- **Weekly summary emails** — Auto-send digest to active merchants
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## Tech Stack
| Layer | Technology |
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