Payment Methods - TALL Stack E-commerce Framework

Payment methods represent the ways customers can pay for their orders. Shopper provides a flexible system to manage multiple payment providers, each with its own logo, description, and customer-facing instructions.

Model

The model used is Shopper\Core\Models\PaymentMethod. It implements Shopper\Core\Models\Contracts\PaymentMethod and uses the HasSlug and HasZones traits. The model is not configurable via config/shopper/models.php.

Database Schema

PaymentMethod Table

Column	Type	Nullable	Default	Description
`id`	bigint	no	auto	Primary key
`title`	string	no	-	Payment method name
`slug`	string	yes	auto	URL-friendly identifier (unique)
`logo`	string	yes	null	Path to the logo file
`link_url`	string	yes	null	Payment provider website or documentation URL
`description`	text	yes	null	Description displayed to customers when choosing a payment method
`instructions`	text	yes	null	Instructions displayed to customers after placing an order
`is_enabled`	boolean	no	false	Payment method visibility
`driver`	string	yes	null	Payment driver code (`stripe`, `manual`, etc.), added by `shopper/payment`
`created_at`	timestamp	yes	null	Creation timestamp
`updated_at`	timestamp	yes	null	Last update timestamp

Contract

The PaymentMethod contract defines the interface that all payment method models must implement:

namespace Shopper\Core\Models\Contracts;

use Illuminate\Database\Eloquent\Relations\MorphToMany;

interface PaymentMethod
{
    public function zones(): MorphToMany;
}

Payment methods use zones to control availability by geographic region. A payment method can be assigned to multiple zones, and a zone can have multiple payment methods.

The driver column connects a payment method to a registered payment driver (stripe, manual, paypal, etc.). When the PaymentProcessingService processes a payment, it uses this value to resolve the correct driver. See Payments for driver registration and the full payment lifecycle.

Relationships

Zones

Payment methods can be scoped to specific geographic zones using the HasZones trait:

$paymentMethod->zones;
$paymentMethod->zones()->attach([$zoneId1, $zoneId2]);
$paymentMethod->zones()->detach($zoneId);

Orders

Orders reference payment methods via the payment_method_id foreign key:

$order->paymentMethod;

Order::query()
    ->where('payment_method_id', $paymentMethod->id)
    ->get();

Query Scopes

PaymentMethod::query()->enabled()->get();

Logo Handling

Payment method logos use Spatie Media Library. The logoUrl() method returns the first media URL from the thumbnail collection, with a fallback to the payment driver’s logo:

$paymentMethod->logoUrl(); // Media library URL or null

use Shopper\Payment\Services\PaymentProcessingService;

$service = resolve(PaymentProcessingService::class);
$service->getLogoUrl($paymentMethod); // Media URL → driver logo → null

Creating Payment Methods

Basic Payment Method

use Shopper\Core\Models\PaymentMethod;

$paymentMethod = PaymentMethod::query()->create([
    'title' => 'Credit Card',
    'slug' => 'credit-card',
    'driver' => 'stripe',
    'link_url' => 'https://stripe.com',
    'description' => 'Pay securely with your credit or debit card.',
    'instructions' => 'Your card will be charged immediately upon order confirmation.',
    'is_enabled' => true,
]);

Cash on Delivery

$cod = PaymentMethod::query()->create([
    'title' => 'Cash on Delivery',
    'slug' => 'cash-on-delivery',
    'driver' => 'manual',
    'description' => 'Pay with cash when your order is delivered.',
    'instructions' => 'Please have the exact amount ready for the delivery driver.',
    'is_enabled' => true,
]);

Bank Transfer

$bankTransfer = PaymentMethod::query()->create([
    'title' => 'Bank Transfer',
    'slug' => 'bank-transfer',
    'driver' => 'manual',
    'description' => 'Pay via direct bank transfer.',
    'instructions' => 'Please transfer the total amount to the following account: IBAN XX00 0000 0000 0000. Use your order number as the payment reference.',
    'is_enabled' => true,
]);

Zone-Scoped Payment Method

$mobileMoney = PaymentMethod::query()->create([
    'title' => 'Mobile Money',
    'slug' => 'mobile-money',
    'link_url' => 'https://notchpay.co',
    'description' => 'Pay with your mobile money wallet.',
    'is_enabled' => true,
]);

$mobileMoney->zones()->attach([$africaZoneId]);

Retrieving Payment Methods

$methods = PaymentMethod::query()->enabled()->get();

Find by slug:

$method = PaymentMethod::query()
    ->where('slug', 'credit-card')
    ->first();

Payment methods available in a specific zone:

$methods = PaymentMethod::query()
    ->enabled()
    ->whereHas('zones', fn ($q) => $q->where('zone_id', $zoneId))
    ->get();

Payment methods with no zone restriction (available everywhere):

$globalMethods = PaymentMethod::query()
    ->enabled()
    ->whereDoesntHave('zones')
    ->get();

Working with Orders

When creating an order, associate it with the selected payment method:

use Shopper\Core\Models\Order;

$order = Order::query()->create([
    'number' => $orderNumber,
    'customer_id' => $customerId,
    'payment_method_id' => $paymentMethod->id,
    // ... other order fields
]);

$order->paymentMethod->title;
$order->paymentMethod->instructions;

Storefront Example

Checkout Payment Selection

namespace App\Http\Controllers;

use Shopper\Core\Models\PaymentMethod;
use Shopper\Core\Models\Zone;

class CheckoutController extends Controller
{
    public function showPayment()
    {
        $zone = $this->getCustomerZone();

        $paymentMethods = PaymentMethod::query()
            ->enabled()
            ->where(function ($query) use ($zone): void {
                $query->whereHas('zones', fn ($q) => $q->where('zone_id', $zone?->id))
                    ->orWhereDoesntHave('zones');
            })
            ->get();

        return view('checkout.payment', compact('paymentMethods'));
    }

    public function storePayment(Request $request)
    {
        $paymentMethod = PaymentMethod::query()->findOrFail(
            $request->input('payment_method_id')
        );

        session()->put('checkout.payment_method_id', $paymentMethod->id);

        return redirect()->route('checkout.review');
    }

    private function getCustomerZone(): ?Zone
    {
        $address = Cart::shippingAddress();

        return Zone::query()
            ->whereHas('countries', fn ($q) => $q->where('name', $address->country_name))
            ->first();
    }
}

Payment methods without any zone assignment are considered globally available and will be shown to all customers regardless of their location.

Use Cases

Payment Method	Description
Credit Card	Online card payments via Stripe, PayPal, etc.
Bank Transfer	Direct bank wire transfer
Cash on Delivery	Payment at delivery time
Mobile Money	Mobile wallet payments (M-Pesa, Orange Money, etc.)
PayPal	PayPal account or guest checkout
Cryptocurrency	Bitcoin, Ethereum, etc.

Scenario	Implementation
Single payment provider	Create one enabled payment method
Region-specific methods	Use zones to restrict availability
Offline payments	Use `instructions` field for post-order guidance
Gateway documentation	Use `link_url` to reference provider docs
Display at checkout	Query enabled methods filtered by customer zone

Documentation Index

​Model

​Database Schema

​PaymentMethod Table

​Contract

​Relationships

​Zones

​Orders

​Query Scopes

​Logo Handling

​Creating Payment Methods

​Basic Payment Method

​Cash on Delivery

​Bank Transfer

​Zone-Scoped Payment Method

​Retrieving Payment Methods

​Working with Orders

​Storefront Example

​Checkout Payment Selection

​Use Cases

Model

Database Schema

PaymentMethod Table

Contract

Relationships

Zones

Orders

Query Scopes

Logo Handling

Creating Payment Methods

Basic Payment Method

Cash on Delivery

Bank Transfer

Zone-Scoped Payment Method

Retrieving Payment Methods

Working with Orders

Storefront Example

Checkout Payment Selection

Use Cases