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PayZephyr: One Payment API for Stripe, Paystack, and PayPal in Laravel [Laravel](https://www.msaied.com/public/articles?category=laravel) [Composer Pacakge](https://www.msaied.com/public/articles?category=composer-pacakge) PayZephyr: One Payment API for Stripe, Paystack, and PayPal in Laravel ======================================================================= PayZephyr is a Laravel package that wraps eight payment providers—Stripe, Paystack, PayPal, Flutterwave, and more—behind a single fluent Payment facade, with built-in failover, double-charge protection, subscriptions, and refunds. ![](https://cdn.msaied.com/01M22N44A70A5MC2S599JP0MPH.webp) [Mohamed Said](https://www.msaied.com/public#person) Published 11 Sep 2026 · Updated 11 Sep 2026 · 3 min read ShareCopy linkCopied ![PayZephyr: One Payment API for Stripe, Paystack, and PayPal in Laravel](https://cdn.msaied.com/657/2cc520b20de249b38bc52120605ff447.png) On this page +1. [PayZephyr: One Payment API for Stripe, Paystack, and PayPal](#payzephyr-one-payment-api-for-stripe-paystack-and-paypal) 2. [Supported Providers](#supported-providers) 3. [Taking a Payment](#taking-a-payment) 4. [Automatic Failover](#automatic-failover) 5. [Subscriptions](#subscriptions) 6. [Refunds](#refunds) 7. [Additional Features](#additional-features) 8. [Installation](#installation) 9. [Key Takeaways](#key-takeaways) PayZephyr: One Payment API for Stripe, Paystack, and PayPal ----------------------------------------------------------- Managing multiple payment gateways in a Laravel application usually means juggling separate SDKs, inconsistent response shapes, and duplicated integration logic. **PayZephyr**, a package by Nwaneri Chukwunyere Kenneth, solves this by placing eight payment providers behind a single, fluent `Payment` facade. ### Supported Providers Out of the box, PayZephyr ships drivers for: - Paystack - Stripe - PayPal - Flutterwave - Square - Monnify - OPay - Mollie All eight providers share the same API surface, so switching or adding a provider requires minimal code changes. ### Taking a Payment Initiating a checkout is straightforward. Chain the amount, customer email, a unique reference, and a callback URL onto the `Payment` facade, then call `redirect()`: ```php use KenDeNigerian\PayZephyr\Facades\Payment; Route::get('/checkout', function (Order $order) { return Payment::amount(500.00) ->email($order->user->email) ->reference('order_'.$order->id) ->callback(route('payment.callback')) ->redirect(); }); ``` When the customer returns, verify the transaction reference on your callback route: ```php Route::get('/payment/callback', function (Request $request) { $verification = Payment::verify($request->query('reference')); if ($verification->isSuccessful()) { // Mark the order paid. } })->name('payment.callback'); ``` ### Automatic Failover PayZephyr supports a primary and a fallback provider configured via environment variables. If the default provider fails, the package automatically retries with the fallback: ```env PAYMENTS_DEFAULT_PROVIDER=paystack PAYMENTS_FALLBACK_PROVIDER=stripe ``` This is particularly useful for applications serving markets where provider availability can vary. ### Subscriptions For SaaS products, PayZephyr exposes a subscription API. Create a plan with `planData()` and a `SubscriptionPlanDTO`, then subscribe a customer to it: ```php $plan = Payment::subscription() ->planData(new SubscriptionPlanDTO( name: 'Pro Monthly', amount: 20.00, interval: 'monthly', currency: 'USD', )) ->with('stripe') ->createPlan(); Payment::subscription() ->customer($user->email) ->plan($plan->planCode) ->idempotency() ->with('stripe') ->subscribe(); ``` Subscription support depends on the underlying provider's capabilities. ### Refunds Full and partial refunds are supported. Pass an `amount()` for a partial refund, or omit it for a full refund: ```php $refund = Payment::refund('txn_ref_123') ->amount(25.00) ->reason('customer requested partial refund') ->with('paystack') ->refund(); ``` Because some providers settle refunds asynchronously, check `$refund->isPending()` and handle the final status via a signed webhook. ### Additional Features - **Double-charge protection** — prevents a customer from being billed twice for the same transaction - **Signed webhooks** — signature verification and replay prevention built in - **Custom drivers** — extend the package with your own provider implementation - **Queue integration** — documented in the official docs for async payment flows ### Installation Install via Composer and run the provided Artisan command: ```bash composer require kendenigerian/payzephyr php artisan payzephyr:install ``` The [official documentation](https://payzephyr.dev/docs) covers custom drivers, queue integration, and a production checklist. A [playground](https://payzephyr.dev/playground) is also available for testing the API without a local install. ### Key Takeaways - One `Payment` facade covers eight providers: Paystack, Stripe, PayPal, Flutterwave, Square, Monnify, OPay, and Mollie - Automatic failover is configured with two environment variables - Subscriptions, full refunds, and partial refunds are first-class features - Double-charge protection and signed webhook verification are built in - A playground lets you explore the API before installing anything --- *Source: [PayZephyr: One Payment API for Stripe, Paystack, and PayPal — Laravel News](https://laravel-news.com/payzephyr)* - [Laravel](https://www.msaied.com/public/articles?search=Laravel) - [Payments](https://www.msaied.com/public/articles?search=Payments) - [Stripe](https://www.msaied.com/public/articles?search=Stripe) - [Paystack](https://www.msaied.com/public/articles?search=Paystack) - [Laravel Package](https://www.msaied.com/public/articles?search=Laravel%20Package) - [PHP](https://www.msaied.com/public/articles?search=PHP) Frequently asked questions --------------------------- Which payment providers does PayZephyr support?PayZephyr ships with eight built-in drivers: Paystack, Stripe, PayPal, Flutterwave, Square, Monnify, OPay, and Mollie. All share the same fluent API surface. How does PayZephyr handle payment provider failover?You set PAYMENTS\_DEFAULT\_PROVIDER and PAYMENTS\_FALLBACK\_PROVIDER in your .env file. If the default provider fails, PayZephyr automatically retries the transaction with the configured fallback provider. Does PayZephyr support partial refunds?Yes. Call Payment::refund() with an amount() value for a partial refund, or omit it for a full refund. Because some providers process refunds asynchronously, you can check $refund->isPending() and handle the final status via a signed webhook. ![Mohamed Said](https://cdn.msaied.com/01M22N44A70A5MC2S599JP0MPH.webp)About the author ---------------- [Mohamed Said](https://www.msaied.com/public#person)Senior Backend Engineer specializing in Laravel, scalable SaaS platforms, APIs, and cloud infrastructure. I build secure, high-performance web applications that help businesses grow. [About](https://www.msaied.com/public#about) [GitHub ↗](https://github.com/EG-Mohamed) [LinkedIn ↗](https://www.linkedin.com/in/msaiedm/) [WhatsApp ↗](https://wa.me/201094619204) [Email Address ↗](mailto:hello@msaied.com) [My CV ↗](https://drive.google.com/file/u/0/d/1MF20IPRJyzfy32mhEutjL5EpSls0w2Q8/view) [Previous articleReferenceable: Generate Clean and Customizable Reference Numbers in Laravel](https://www.msaied.com/public/articles/referenceable-generate-clean-and-customizable-reference-numbers-in-laravel) [Next articleTesting Filament Resources, Actions, and Form Assertions with Pest](https://www.msaied.com/public/articles/testing-filament-resources-actions-and-form-assertions-with-pest-4) On this page ------------- 1. [PayZephyr: One Payment API for Stripe, Paystack, and PayPal](#payzephyr-one-payment-api-for-stripe-paystack-and-paypal) 2. [Supported Providers](#supported-providers) 3. [Taking a Payment](#taking-a-payment) 4. [Automatic Failover](#automatic-failover) 5. [Subscriptions](#subscriptions) 6. [Refunds](#refunds) 7. [Additional Features](#additional-features) 8. [Installation](#installation) 9. [Key Takeaways](#key-takeaways) ### Have a technical challenge? Tell me what you’re building. I reply within two working days. 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