TBC Credit Card Payment Gateway (php-library)

Making credit card payments work on your website (through a local bank) is pain! So to make everyone's life a bit easier we are sharing this php-library on GitHub.

SMS / DMS

There are two types of transaction within this system: SMS and DMS.

SMS - is a direct payment method, money is charged in 1 event, as soon as customer enters the credit card details and clicks proceed.
DMS - is a two step method, first event blocks the money on the card (max 30 days), second event captures the money (second event can be carried out when product is shipped to the customer for example).

Every 24 hours, a merchant must close the business day.

Install

It is possible to simply include this library see example, but you should use composer instead.

run in terminal:

composer require wearede/tbcpay-php

Creating object

$Payment = new TbcPayProcessor('/cert/tbcpay.pem', '0DhJ4AdxVuPZmz3F4y', $_SERVER['REMOTE_ADDR']);

1. Certificate absolute path
2. Certificate passphrase
3. Client ip address

Methods

Method name
sms_start_transaction()
dms_start_authorization()
dms_make_transaction($trans_id)
get_transaction_result($trans_id)
reverse_transaction($trans_id, $amount = '', $suspected_fraud = '')
refund_transaction($trans_id)
credit_transaction($trans_id, $amount = '')
close_day()

Example implementations

• To get started quickly have a look at the fully functional working prototype.
• You can find a simple example here.

Instructions

Relevant to a simple example here.

Chores

1. Ask TBC to generate a certificate.
2. Tell TBC your server IP so they can whitelist it.
3. create example.com/ok.php and example.com/fail.php urls and communicate these to TBC.
   • ok url - is used for redirecting back user in almost all situations (even when card has insuficient funds and transaction fails!).
   • fail url - is used for redirecting back user when technical error occurs (very rare).

Flow

1. start.example Here we start our process. We call TBC servers using sms_start_transaction() and get $trans_id in return.
   • We use returned $trans_id to redirect user to a TBC page, where credit card info can be entered.
   • After user fills out card info he is thrown back to our ok.example url on our server.
2. Take a look at ok.example We get $trans_id back from TBC, and we plug that in get_transaction_result($trans_id).
3. get_transaction_result($trans_id) tells us if transaction was success or not. array('RESULT' => 'OK') for example is success message, transaction went through.

Common issues

• TBC bank provides SSL certificate in .p12 format, we need it in .pem format, to transform use command: openssl pkcs12 -in *.p12 -out tbcpay.pem.
• Move cert directory somewhere non public as a security meassure. Give it correct permissions so that php can read it.
• SDK needs outgoing port 18443 open to communicate with TBC. Some hosting services do not allow this.