# Product Requirements Document (PRD)
## Project: Advanced API-Based Payment Gateway System
## Owner: Pathangrowth Agency
## Location: Lucknow, Uttar Pradesh, India
## Document Version: 1.0

---

## 1. Product Summary

This project is an advanced PHP-based payment gateway platform that provides businesses with their own branded payment portal, API keys, webhook support, transaction dashboard, and a high-advance admin panel.

The system should support gateway routing, commission handling, client onboarding, payment lifecycle tracking, and secure API-based payment initiation.

The platform must be built in a way that is scalable, modular, and secure, with strong authentication, TLS-encrypted communication, strict input validation, and no storage of sensitive card data directly in the system. [web:2][web:5][web:6]

---

## 2. Product Goals

- Provide clients with their own payment API and custom portal.
- Allow admin to manage clients, commissions, gateways, and transactions from one central panel.
- Support payment initiation through API requests.
- Support webhook callbacks for payment success, failure, and refund updates.
- Allow integration with external gateways through a unified adapter layer.
- Keep the system secure and production-ready from day one. [web:4][web:5][web:7]

---

## 3. Target Users

### 3.1 Admin
The admin controls the complete platform, including client accounts, gateway configuration, commission settings, reports, and security controls.

### 3.2 Client / Merchant
Clients receive API credentials and a branded portal to accept payments from their own customers.

### 3.3 End Customer
End customers make payments on the client’s checkout page or portal and receive instant status updates.

---

## 4. Core Product Scope

### 4.1 Must Have
- Client registration and approval workflow.
- API key and secret key generation.
- Payment creation API.
- Webhook listener API.
- Transaction tracking and status management.
- Admin dashboard with advanced analytics.
- Commission calculation system.
- Gateway configuration management.
- Client portal and transaction logs.
- Refund and payout tracking. [web:2][web:4][web:6]

### 4.2 Should Have
- Multiple gateway support.
- Retry logic for failed webhooks.
- Role-based access control.
- Fraud flagging and risk status.
- Email and SMS notifications.
- Reports export in CSV/PDF.
- Real-time activity logs.

### 4.3 Could Have
- White-label subdomain portals.
- Multi-language support.
- QR payment support.
- Mobile-friendly admin and client UI.
- Smart routing rules based on amount, country, or gateway health.

---

## 5. Product Flow

### 5.1 Client Onboarding Flow
1. Admin creates client account.
2. System generates API key and secret key.
3. Client receives access to dashboard.
4. Client configures webhook URL.
5. Client starts sending payment requests via API.

### 5.2 Payment Flow
1. Client sends payment request to API.
2. System validates auth and request data.
3. System creates internal transaction record.
4. System routes payment to selected gateway.
5. Gateway response is stored.
6. Webhook or callback updates final payment status.
7. Client receives status through webhook and dashboard.

### 5.3 Admin Flow
1. Admin logs in.
2. Admin monitors live transactions.
3. Admin reviews risk and failed payments.
4. Admin changes commission or gateway rules.
5. Admin exports reports or audits logs.

---

## 6. Functional Requirements

### 6.1 Authentication
- Admin login with password and optional 2FA.
- Client login with email/username and password.
- API authentication using key + secret or signed request.
- Session expiration and secure logout.

### 6.2 API Payment Creation
The API must accept:
- amount
- currency
- order_id
- customer_name
- customer_email
- return_url
- webhook_url
- optional metadata

The API must respond with:
- transaction_id
- payment_url or payment_token
- status
- redirect URL
- message

### 6.3 Webhooks
- Webhooks must support payment success, failed, pending, refunded, and chargeback events.
- Webhook payloads must be signed.
- Webhook retries must be logged.
- Failed webhook attempts must be visible in admin panel.

### 6.4 Transaction Management
- Every request must create a transaction record.
- Transaction status must support pending, success, failed, cancelled, refunded, disputed.
- Transaction history must be searchable by order ID, client ID, amount, and date.

### 6.5 Commission System
- Commission must be configurable by client, gateway, and transaction type.
- Commission must be deducted before settlement reporting.
- Admin can view gross amount, fee amount, and net amount.

### 6.6 Client Portal
- Show dashboard summary.
- Show API keys and secret key once.
- Show recent transactions.
- Show webhooks and logs.
- Show payout/commission summary.
- Show integration documentation.

### 6.7 Admin Panel
- Advanced dashboard with charts and KPIs.
- Client management.
- Gateway management.
- Transaction monitoring.
- Commission management.
- Risk and security controls.
- Reports and export.
- Support ticket management.
- Audit logs.

---

## 7. Non-Functional Requirements

### 7.1 Security
- All payment traffic must use HTTPS.
- TLS 1.2 or higher must be enforced.
- No raw card data should be stored.
- API authentication must be signed and rate-limited.
- Sensitive logs must be masked.
- Admin actions must be audited. [web:4][web:5][web:6][web:7][web:10]

### 7.2 Performance
- API response time should be under 2 seconds for normal flow.
- Transaction creation should be asynchronous where possible.
- Webhook processing should use queues.
- Dashboard data should be cached.

### 7.3 Scalability
- System must support multiple clients and multiple gateways.
- Database schema must support horizontal growth.
- Queue workers must handle spikes in traffic.

### 7.4 Availability
- System uptime target: 99.9%.
- Retry mechanism for external gateway failures.
- Graceful degradation when gateway is down.

---

## 8. Admin Panel Requirements

### 8.1 Dashboard Widgets
- Total revenue
- Total transactions
- Success rate
- Failed payments
- Active clients
- Gateway health
- Pending webhooks
- Commission summary
- Risk alerts
- Recent activity

### 8.2 Client Management
- Create, edit, suspend, approve, reject clients.
- Assign commission rates.
- Reset API keys.
- View transaction history.
- Set webhook URLs.

### 8.3 Gateway Management
- Add gateway credentials.
- Enable or disable gateway.
- Set priority rules.
- View gateway health status.
- Store response logs.

### 8.4 Reports
- Daily revenue report
- Client-wise report
- Gateway-wise report
- Commission report
- Failure report
- Refund report
- Export PDF/CSV

### 8.5 Security Management
- Admin roles and permissions
- IP allowlist
- Login activity
- API access logs
- Suspicious activity detection
- Password policy
- 2FA enforcement

---

## 9. Client Portal Requirements

### 9.1 Dashboard
- Total processed amount
- Success ratio
- Pending transactions
- Failed transactions
- API usage summary

### 9.2 API Credentials
- API key display
- Secret key display once
- Regenerate key option
- Webhook secret management

### 9.3 Integration
- API documentation
- Example requests
- Webhook examples
- Test mode / live mode toggle

### 9.4 Reports
- Transaction list
- Filter by date
- Filter by status
- Export transactions

---

## 10. Database Requirement Summary

The database must include tables for:
- users
- clients
- api_keys
- gateways
- transactions
- transaction_logs
- webhooks
- commission_rules
- settlements
- refunds
- reports
- notifications
- support_tickets
- audit_logs
- settings

Each table should have created_at and updated_at timestamps. Important transactional tables should also include status fields, index fields, and foreign key relationships.

---

## 11. API Requirement Summary

### Core Endpoints
- POST /api/pay
- POST /api/webhook
- GET /api/transaction/{id}
- GET /api/transactions
- POST /api/refund
- POST /api/api-keys/regenerate
- GET /api/docs

### API Standards
- RESTful JSON format
- Structured error responses
- Signed requests
- Rate limiting
- Versioning: /api/v1/

---

## 12. UI/UX Requirements

### Admin Panel UI
- Modern dashboard layout
- Sidebar navigation
- KPI cards
- Charts and tables
- Dark/light mode optional
- Responsive design

### Client Portal UI
- Clean, simple, branded interface
- Mobile responsive
- Easy API copy buttons
- Quick transaction search
- Easy webhook setup

---

## 13. Acceptance Criteria

The project will be accepted when:
- Admin can create/manage clients.
- Client can get API credentials.
- Client can make a payment request through API.
- Transaction status updates correctly.
- Webhooks are received and logged.
- Admin can view advanced analytics.
- Commission calculation works correctly.
- Security rules are enforced.
- System is stable and production-ready.

---

## 14. Deliverables

- Complete PHP/Laravel codebase
- MySQL database schema
- Admin panel
- Client portal
- API documentation
- Webhook system
- Commission engine
- Gateway integration layer
- Deployment guide
- Security documentation

---

## 15. Notes for Builder

This system should be implemented in a modular way so that payment gateways can be added or removed without changing the core payment logic.

Sensitive payment data must not be stored directly. Use tokenization, secure encryption, proper authentication, and strict access control throughout the platform. [web:2][web:4][web:5][web:6]