Description
✨ Key Features
- Multi-Role Wallet System: separate dashboards for Admin, Agent, Merchant, and Customer.
- Wallet to Wallet Transfers: instant P2P transfers with limits, charges, and approval policies.
- Cash In / Cash Out: agent-based transactions with commission and tier management.
- Merchant Payments: QR-code or merchant ID-based payment flows for in-store and online transactions.
- Mobile Recharge / Bill Payments: integrated APIs for top-ups, utilities, and internet bills.
- Bank Transfers: integrate with core banking or fintech APIs for direct fund transfers.
- Agent & Merchant Onboarding: KYC verification, commission tiers, regional limits, and performance dashboards.
- Security Layers: OTP verification, two-factor authentication (2FA), PIN code login, and device management.
- Notifications: real-time SMS, email, and push notifications for all transactions.
- Multi-Currency & Localization: supports currency conversion, regional languages, and internationalization.
- Reports & Analytics: transaction logs, commission statements, agent/merchant KPIs, fraud detection reports.
- Payment Gateways: built-in integration for Stripe, PayPal, Paystack, and other gateways for wallet funding.
- System Controls: admin-defined transaction limits, fees, and service charge management.
- Modular API System: REST API ready for mobile apps, partner banks, and third-party services.
⚙️ Technical Stack
- Backend: PHP 8.2+ with Laravel 10 (MVC structure, queue support, modular service architecture).
- Frontend: Blade templates with Bootstrap 5 and jQuery; optional Vue.js for real-time updates.
- Database: MySQL/MariaDB 10.5+; Redis for caching and queue management.
- Storage: local and S3-compatible file storage for user documents and receipts.
- API: REST API endpoints for mobile apps, agent integrations, and partner payment systems.
- Server Requirements: Nginx/Apache, Composer, Node.js 18+, SSL/HTTPS, cURL, mbstring, PDO, JSON, fileinfo extensions.
Technical insight: ViserPay’s architecture isolates wallet transactions via atomic operations and database transaction locks to prevent double spending and ensure financial accuracy across modules.
🧩 Installation Guide (Quick Start)
- Server Setup: prepare environment with PHP 8.2+, MySQL 8+, Node.js 18+, Composer, and SSL certificate.
- Upload Source Files: extract and upload the package to your web root; set permissions for
storage/andbootstrap/cache. - Configure .env: copy
.env.example→.env; add database credentials, mail, payment gateways, and API tokens. - Install Dependencies: run
composer install, thenphp artisan key:generate,php artisan migrate --seed. - Build Frontend: execute
npm install && npm run build(optional if using front-end build tools). - Queues & Scheduler: configure Supervisor to run queue workers and add CRON job (
php artisan schedule:run). - Launch & Test: create admin account, set wallet limits, configure agents and merchants, and test fund transfers.
Tip: Always use HTTPS and enable OTP verification for all money-movement transactions to comply with financial regulations.
📦 Deliverables
- Full Laravel source code (backend + admin panel + user dashboard).
- Database migrations, seeders, and configuration samples.
- REST API documentation and Postman collection.
- Agent, Merchant, and Customer web panels.
- Installation & configuration guide.
- GPL License file for open distribution and modification.
📱 Supported Platforms
- Web App: fully responsive web dashboards for admin, agents, merchants, and customers.
- Mobile Apps (optional): API-ready for Flutter, React Native, or Android/iOS native apps.
- Server OS: compatible with Linux (Ubuntu/Debian), macOS, or Windows Server with PHP stack.
🧠 Notes
- License: distributed under the GNU General Public License (GPL).
- Customization Tips: integrate national payment APIs (e.g., bKash, PayTM, M-Pesa), add USSD gateways, or develop companion mobile apps for end-users and agents.
- SEO & Compliance: optimized for fintech keywords — “mobile wallet system”, “digital banking script”, “Laravel MFS platform”, “agent-based payment gateway”.
- Security: ensure encrypted transactions (TLS 1.2+), secure API keys, OTP validation, and anti-fraud alerts for suspicious transfers.
👨💻 Original Developer Credit
Developed by the original author and commercially released on
CodeCanyon.
All product names, trademarks, and assets remain property of their respective owners.
🔒 Disclaimer
GPL Redistribution Notice: This version of ViserPay – Complete Mobile Financial Service (MFS) is distributed under the GNU General Public License (GPL).
It is provided for educational, developmental, and self-hosted use.
We are not affiliated with or endorsed by the original vendor.
No official support, warranties, or updates are included unless purchased from the official marketplace source.

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