🚀 Overview

phpWallet is a full-featured e-wallet and payment gateway script built to support modern digital transactions—peer-to-peer transfers, merchant payments, top-ups, withdrawals, multi-currency wallets, and integration with multiple payment gateways.

Designed with real fintech workflows—digital credits, merchant accounts, instant transfers, deposit/withdraw flow control—this system allows you to launch a wallet/payment platform with minimal development time.

Ideal for: Fintech startups, digital wallets, online gaming platforms, micro-payments portals, marketplace vendors, and service providers looking to embed wallet logic and payments into their ecosystem.

✨ Key Features

• Multi-Wallet Accounts: Users can open wallets in multiple currencies, view balances, transaction history, and statements.
• Deposit & Top-Up: Integration with multiple payment gateways (Stripe, PayPal, crypto), instant crediting of wallets.
• Withdrawals & Payouts: Users submit withdrawals, admin reviews, process payouts, maintain logs.
• P2P Transfers: Send credits to other users, define limits, apply fees or bonuses.
• Merchant Integration: Merchants can accept wallet payments or integrate checkout for customers.
• Admin Dashboard: Manage users, wallets, transactions, gateways, currencies, fees, reports.
• Balance & Ledger System: Double-entry accounting for wallet credits/debits, prevent inconsistencies.
• Recurring Payments / Subscriptions: Set up automatic top-ups, wallet funding plans or membership tiers.
• Security Measures: 2FA for users, CAPTCHA, transaction limits, audit logs, and role-based admin access.
• Reports & Exports: Export wallets, transactions, user lists, merchant statements in CSV or Excel.

⚙️ Technical Stack

• Backend: PHP 8.x (MVC or Laravel style)
• Database: MySQL / MariaDB
• Server Requirements: Linux hosting (shared or VPS), Apache/Nginx, PHP extensions: pdo, pdo_mysql, mbstring, openssl, curl, json
• Frontend: HTML5, CSS3, JavaScript (jQuery/Vue optional), responsive design.
• Integrations: Payment gateways, email notifications, optional crypto wallet APIs.
• Browsers: Latest Chrome, Edge, Firefox, Safari on desktop & mobile.

🧩 Installation Guide

1. Upload the codebase to your web server document root.
2. Create a MySQL/MariaDB database and user with full privileges.
3. Edit config file or environment file (e.g., .env) to set database credentials, site URL, mail and payment gateway credentials.
4. Import the provided SQL schema to initialize tables (wallets, users, transactions, gateways).
5. Log in as admin and configure payment gateways, currencies, user roles and limits.
6. Test deposit, wallet credit, user transfer and merchant checkout flows in sandbox mode before production.

📦 Deliverables

• Complete source code package under GPL
• Database SQL schema and sample data
• Documentation for installation, configuration and workflows
• Front‐end assets (CSS/JS), admin panel, user wallet modules

📱 Supported Platforms

• Linux shared hosting, VPS, or cloud servers (LAMP/LEMP stacks)
• MySQL/MariaDB database backend
• Modern browsers for both user and merchant interfaces

🧠 Notes

• License: Distributed under the GPL – modify and redistribute under GPL terms.
• Compliance: If processing wallets/payouts and financial transactions, ensure you follow local laws — KYC/AML, PCI compliance, data protection.
• Customization: Extend with mobile app, API for external services, integrate cryptocurrency wallets, or build multi-tenant architecture.
• SEO Assurance: Keywords like “e-wallet script”, “payment gateway platform”, “wallet & merchant payments platform” are embedded for improved discoverability.

👨‍💻 Original Developer Credit

This system is developed by the original author. For official updates, support or the premium version, please visit the original marketplace listing (e.g., Original Author on CodeCanyon).

🔒 Disclaimer

This resource is provided under the GPL for educational and development purposes. It is not affiliated with or endorsed by the original author unless explicitly stated. All trademarks remain property of their respective owners. Finance, wallet, and payment platforms may be subject to legal regulation; ensure you understand obligations before deploying.