Introduction

Welcome to PhaJay Payment Gateway! In this section, you can find all the information you need to study and use our service, or PhaJay Payments API.

The PhaJay Payment Gateway is built to address the challenges faced by startup platforms and various legacy systems. It serves as a bridge, transforming these systems to seamlessly connect with the banking system or wallet systems existing in the Lao PDR.

We, at PhaJay Payment Gateway, have developed an intermediary to facilitate and support the connection technology for platform owners who wish to transition into FinTech, enabling them to connect to bank and wallet services easily and quickly.

This documentation is tailored for developers, but if you're a business owner or non-technical reader, you’ll also find helpful overviews and models to understand how our services work.

What is PhaPay Gateway?

PhaJay Payment Gateway is a PCI-certified payment gateway featuring an easy-to-use management dashboard and a straightforward REST API model, preferred by numerous API developers.

Our platform is designed with flexibility and security in mind — allowing you to choose the payment process that best fits your needs. Whether you're working in a sandbox (test) environment or deploying in production, PhaPay ensures a secure, reliable, and seamless experience from start to finish.

Start creating a developer user or owner platform account with PhaJay Payment Gateway

To get started with PhaPay Gateway, begin by signing up for a trial account. This allows you to explore and test the platform before moving to a live production environment. Both the sandbox (test) and production environments provide access to a powerful dashboard where you can:

• Monitor and manage transaction data
• Configure account and API settings
• Explore sample code and run API experiments such as creating payments or issuing refunds

This setup ensures a smooth and secure integration experience from testing to launch.

• Generate QR with API
• Subscription With ReactJS
• Use With ReactJS
• Use With Flutter

🧪 Example: Connecting to the API in Test Environment

You can use the following example to test the PhaPay Gateway API in the sandbox environment.

Note: Be sure to replace the placeholder keys ($SECRET_KEY or $PUBLIC_KEY) with your actual test keys found on your PhaPay Portal under the Key Management section.

🏦 Integration with BCEL Bank (QR + Socket)

This section is exclusively for developers integrating with BCEL Bank through the PhaPay Gateway.

🔁 Step 1: Request a QR String

To initiate the payment process, send a request to the API to generate a QR String. This string contains all necessary transaction data and will be used by the customer to complete the payment using the BCEL Mobile Banking App.

The QR will be returned as part of the API response and should be rendered or displayed for the customer to scan.

How to create a QR string with bank

Creating a QR string for payment can be done using the link and method below

    curl --location 'https://payment-gateway.lailaolab.com/v1/api/payment/generate-bcel-qr?amount=$AMOUNT&description=$DESCRIPTION' \
    --header 'secretKey: $SECRET_KEY' \
    --header 'Content-Type: application/x-www-form-urlencoded' \
    --data-urlencode 'amount=$AMOUNT' \
    --data-urlencode 'description=$DESCRIPTION'

Here is the sample of response from the bank

{
  "message": "SUCCESSFULLY",
  "transactionId": "7d5d7420-e373-431d-b3c0-728a4f138985",
  "code": "00020101021133550004BCEL0106ONEPAY0XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXVTE6002LA625105367d5d7420-e373-431d-b3c0-728a4f1389850807okaybor63043561",
  "link": "onepay://qr/00020101021133550004BCEL0106ONEPAY0216mcXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX5303418540115803VTE6002LA625105367d5d7420-e373-431d-b3c0-728a4f1389850807okaybor63043561"
}

🔌 Step 2: Connect via WebSocket to Listen for Payment Result

Once the QR is displayed, open a WebSocket connection to listen for the real-time payment status from BCEL Bank.

This allows your platform to automatically update the payment status without requiring the customer to refresh or manually confirm.

To receive trigger information after the End User makes a payment through the Platform, the customer must have a Socket connection to the Gateway to subscribe and wait to hear the answer from the bank through our Gateway. Connecting to Socket We can connect with the method below

    https://payment-gateway.lailaolab.com/

After that, the system must listen to the channel below

    private_message:$USER_ID

The request

Payment Method

After the Platform receives the QR string and deeplink from PhaJay Payment Gateway, the End User can make the payment through the commercial banking app (BCEL ONE).

Check your payment history

After creating a transaction, you can check the history of the previous transaction as well as check the status of the transaction

   curl --location 'https://payment-gateway.lailaolab.com/v1/api/payment/transaction/${transactionId}'