DigiKash - Complete Payment Gateway, Wallet & QR System

Live Demo & Login Credentials

Landing Page
https://digi.coevs.com/

Merchant API Documentation
https://digi.coevs.com/api-docs

User Login
URL: https://digi.coevs.com/user/login
Email: ayesha.rahman@digikash.test
Password: 12345678

Merchant Login
URL: https://digi.coevs.com/merchant/login
Email: nusrat.farhana@digikash.test
Password: 12345678

Agent Login
URL: https://digi.coevs.com/agent/login
Email: farid.uddin@digikash.test
Password: 12345678

Admin Login
URL: https://digi.coevs.com/admin
Email: admin@coevs.com
Password: 12345678

Stripe Test Card
Card Number: 4242 4242 4242 4242
Expiry: Any future date
CVV: Any 3 digits

DigiKash 2.0 — Multi-Currency Wallet, Merchant Gateway, P2P Marketplace & Virtual Card Platform

DigiKash is an enterprise-grade, all-in-one digital wallet and payment platform built on Laravel 11. Version 2.0 is the biggest release ever — a full P2P marketplace, multi-provider virtual cards, subscription billing, wallet staking, mobile airtime recharge, agent operations, and a feature-flag system that lets you toggle every revenue module per user role.

Built for SaaS founders, fintech startups, marketplaces, and any project that needs a polished wallet + payment stack with bank-grade security and modular, API-first architecture.

What’s New in v2.0

• P2P Marketplace — escrow-protected peer-to-peer trades with offer ads, dispute handling, payment-method directory, promotion packages, and trader profiles.
• Subscription System — tiered plans with proration math, renewals, cancellations, and full transaction history.
• Wallet Earn (Staking) — configurable staking plans with lock periods, APY, and scheduled reward payouts.
• Mobile Recharge — top up any mobile number worldwide via Reloadly, custom HTTP, or sandbox driver.
• Agent Program — dedicated agent panel, commission rule engine, and QR-based cash-in / cash-out operations.
• Feature Controls — toggle every revenue module per panel (User / Merchant / Agent) with KYC and phone-verification gates.
• Project Updater (OTA) — signed releases with SHA-256 verification, recovery backups, and automatic migrations from the admin panel.
• Multi-provider Virtual Cards — Stripe Issuing, StroWallet, and Bitnob behind one unified admin UI.
• PWA Support — installable Progressive Web App with custom theme color, icons, and offline service worker.
• Notification System — Email, SMS (Twilio), and Push channels per event with on/off toggles.

Pay with Wallet ID (Exclusive)

• Instant, card-less checkout — customers simply enter their Wallet ID and Wallet PIN.
• Zero redirects, lightning-fast UX on desktop and mobile.
• Enterprise Merchant API for effortless integration into any website or app.
• Guest checkout support — buyers don’t need an account to pay.

Wallet & Payment Features

• Multi-currency wallets with real-time FX rates.
• Send, receive, request, deposit, withdraw, and exchange money instantly.
• QR-code merchant checkout for in-store payments.
• Shareable payment links with fixed or buyer-defined amounts.
• Voucher system with single-use or multi-use codes and merchant checkout redemption.
• Scheduled withdrawals with day-of-week processing windows.
• Separate deposit / withdrawal fee matrices for Users vs. Merchants.
• Saved Withdraw Accounts for fast reuse (bank / crypto / mobile money).
• Wallet PIN as a secondary numeric lock for high-risk actions.

25+ Payment Gateways

• Cards / Global: Stripe • PayPal • 2Checkout • Mollie
• African gateways: Flutterwave • Paystack • Moneroo • Paymob • Voguepay • MTN • Airtel • Cashmaal
• Indian gateways: Razorpay • Instamojo
• Crypto: Cryptomus • Coinbase Commerce • CoinGate • CoinPayments • NowPayments • Binance Pay • Blockchain • Block.io • BitPay Server
• Manual: Bank transfer • cash • any custom method via the Manual Payment System

Merchant Tools

• Pay with Wallet ID — instant card-less checkout, zero redirects.
• QR-code shop pages for in-store payments.
• Shareable payment links with optional expiry and usage limits.
• WooCommerce plugin (v2.8.0) bundled for drop-in eCommerce integration.
• Enterprise Merchant API with Sanctum token authentication and HMAC-signed webhooks.
• Live API documentation at /api-docs with syntax highlighting.

Admin Panel Highlights

• Redesigned Control Panel with searchable, permission-aware shortcuts.
• User-to-Merchant and User-to-Agent account conversion.
• “Login as user” for safe, audit-logged support sessions.
• Bulk email send to all users directly from the admin panel.
• KYC Templates per audience with admin approve / reject workflow and resubmission support.
• Background Jobs dashboard with retry and retry-all for failed jobs.
• IP Block list to ban abusive addresses at the middleware layer.
• Admin Lock Screen for quick session lock without full sign-out.
• Activity Logs with full audit trail.
• Style Manager for custom CSS injection without touching source code.
• Custom landing-page uploader for HTML/CSS landing pages.
• Multi-language UI with admin-managed translation strings.

Security & Compliance

• Two-Factor Authentication (TOTP) across User / Merchant / Agent / Admin panels.
• Wallet PIN for transfer and withdrawal verification.
• Phone Verification via Twilio with rate-limited send and verify endpoints.
• KYC submission and approval flow with per-audience templates.
• Login Activity tracking (IP, country, browser, device, platform).
• One-click “Sign out all other sessions” with password re-entry.
• Account-status middleware blocks suspended users at the auth layer.
• Configurable admin URL prefix for security through obscurity.

Tech Stack

• Runtime: PHP 8.3+ (PHP 8.4 supported)
• Framework: Laravel 11 with attribute-based middleware
• Authentication: Laravel Sanctum 4 + Spatie Laravel Permission 6
• 2FA: pragmarx/google2fa 8 (TOTP)
• UI: Bootstrap 5 + jQuery 3.7 with pre-built assets (no Node build required)
• Charts: Chart.js + ApexCharts
• PDF & QR: dompdf + bacon/bacon-qr-code
• Image processing: Intervention Image 3
• Database: MySQL 5.7+ • MariaDB 10.3+ • SQLite

Why Choose DigiKash?

• Production-ready Laravel 11 codebase built for scale.
• Modular gateway & card-provider architecture — swap or extend in minutes.
• No subscriptions, no SaaS lock-in — fully self-hosted on your own server.
• Web installer wizard at /install — zero manual .env editing or SQL imports.
• Project Updater (OTA) for one-click upgrades directly from the admin panel.
• Comprehensive in-package documentation covering every feature, route, and menu path.
• Active development with regular feature updates and bug fixes.
• Perfect for SaaS, fintech, marketplaces, P2P platforms, and any project that demands a robust wallet + payment gateway.

Launch a future-proof wallet & payment platform in record time with DigiKash.

What’s Inside Your Download

After extracting the main digikash.zip from your Envato downloads you will find:

• documentation/ — comprehensive HTML documentation (open index.html locally)
• core-v2.0.zip — the Laravel application package (upload to your server, extract, then run the /install wizard)

System Requirements

• PHP 8.3 or higher (PHP 8.4 supported)
• MySQL 5.7+ / MariaDB 10.3+ / SQLite
• Apache or Nginx with HTTPS
• Required PHP extensions: bcmath, ctype, dom, fileinfo, json, libxml, mbstring, openssl, pdo, pdo_mysql, tokenizer, xml, zip, curl

Sources & Credits

• Bootstrap 5
• jQuery 3.7
• Font Awesome
• Animate.css
• WOW.js
• Chart.js & ApexCharts
• Summernote
• Flaticon
• Freepik

Note: Full HTML documentation, lifetime free updates, and 6 months of Envato support are included with your purchase. No external dependencies, no monthly fees, no SaaS lock-in.

v2.0 – 17 May 2026

 [Added] - P2P Marketplace with offer ads, escrow orders, disputes, promotions, payment-method directory, and trader profiles [Added] - Subscription System with tier plans, pricing cycles, proration math, renewals, cancellations, and transactions [Added] - Wallet Earn (Staking) with configurable plans, lock periods, APY, and scheduled rewards [Added] - Mobile Recharge module with Sandbox, Reloadly, and generic HTTP API drivers [Added] - Agent Program with dedicated panel, commission rule engine, QR cash-out, and operations workflow [Added] - Feature Controls to toggle every revenue module per panel with KYC and phone-verification gates [Added] - Project Updater with signed OTA releases, SHA-256 verification, recovery backups, and automatic migrations [Added] - Redesigned Control Panel with searchable, categorized, permission-aware shortcuts [Added] - PWA support with installable manifest, service worker, and configurable theme color and icons [Added] - Wallet PIN as a secondary numeric PIN for transfers, withdrawals, and other high-risk actions [Added] - Phone Verification via Twilio with rate-limited send and verify endpoints [Added] - KYC Templates per audience (user / merchant / agent) with resubmission flow on rejection [Added] - Login Activity tracking (IP, country, browser, device, platform) with one-click logout of all other sessions [Added] - IP Block list to ban abusive addresses at the middleware layer [Added] - Admin Lock Screen for quick session lock without full sign-out [Added] - Background Jobs dashboard with task registry, scheduler view, retry, and retry-all for failed jobs [Added] - User-to-merchant and user-to-agent account conversion from the admin user manager [Added] - Bulk email send to all users directly from the admin panel [Added] - "Login as user" support sessions with full audit logging [Added] - Scheduled Withdrawals to cap payout submissions to defined day-of-week windows [Added] - Saved Withdraw Accounts so users can reuse bank / crypto / mobile-money payout details [Added] - Notification Templates with three configurable channels (Email, SMS, Push) and per-template on/off toggle [Added] - In-app notification inbox via Laravel database notifications [Added] - Style Manager to inject custom CSS without touching source code [Added] - Currency role-based visibility (user / merchant / agent) for per-audience wallet enablement [Added] - Expanded to 25+ payment gateways including Stripe, PayPal, Mollie, Cryptomus, Razorpay, Paystack, Flutterwave, Paymob, Coinbase Commerce, NowPayments, Binance Pay, Bitnob, StroWallet, and more [Added] - Merchant API with Sanctum personal-access tokens and HMAC-signed webhook delivery [Added] - Live Merchant API documentation page at /api-docs with Prism syntax highlighting [Improved] - Multi-provider Virtual Cards now span Stripe Issuing, StroWallet, and Bitnob with per-provider capability flags [Improved] - WooCommerce gateway plugin bundled at public/general/woocommerce-gateway-v2.8.0/ for eCommerce checkout [Improved] - Account management with KYC status flows and suspended / unverified / KYC-pending filtered views [Improved] - Notification system with per-channel toggles and channel-specific templates [Improved] - Security hardening across panels — account-status middleware, IP block, throttled phone verification [Improved] - Multi-language UI with admin-managed translation strings [Improved] - PDF receipts for transactions, payment links, and subscription invoices [Improved] - Voucher system with single-use / multi-use codes, per-currency limits, and merchant checkout redemption [Improved] - Payment Links with fixed or buyer-defined amount, expiry, max uses, and guest checkout [Upgraded] - Laravel framework to v11 with streamlined bootstrap and attribute-based middleware [Upgraded] - PHP requirement to 8.3+ (PHP 8.4 supported) [Upgraded] - Laravel Sanctum to v4 for Merchant API token authentication [Upgraded] - Spatie Laravel Permission to v6 for staff roles [Upgraded] - pragmarx/google2fa to v8 for TOTP-based two-factor authentication [Upgraded] - Stripe PHP SDK to v17 with the latest Issuing API for virtual cards [Upgraded] - Intervention Image to v3 for upload and resize [Fixed] - Carry-over deposit, withdrawal, and gateway integration issues reported during v1.x [Fixed] - Query optimization, N+1 reductions, and general performance improvements 

v1.6 – 30 August 2025

 [Added] - Merchant disable feature [Added] - Additional currencies for StroWallet Payment Gateway [Added] - Multi-fee option (Percentage + Fixed) for StroWallet Virtual Card [Improved] - Payment gateway list now displays all supported currencies [Fixed] - Deposit issue with StroWallet 

v1.5 – 30 July 2025

 [Added] - New Control Panel for improved backend management [Added] - Advanced search system in the admin panel [Added] - WooCommerce plugin integration for eCommerce support [Upgraded] - Merchant API refactored to enterprise-level structure [Fixed] - Payment gateway integration issues [Fixed] - Various bugs and overall site performance optimized 

v1.4 – 20 July 2025

 [Added] - User and Merchant account delete functionality [Added] - Option to redirect visitors to Login Page instead of default Landing Page (admin configurable) [Added] - User-to-Merchant account conversion feature [Added] - Separate withdrawal fee settings for Users and Merchants [Added] - Separate deposit fee settings for Users and Merchants [Fixed] - Currency Management API error in admin panel [Fixed] - Activity log list error display issue [Fixed] - Duplicate description issue in component section 

v1.3 – 14 July 2025

 [Added] - Custom landing page uploader – launch your own HTML/CSS landing page with ease [Added] - Exchange API config link added in the admin currency section [Added] - Site preloader management option in the admin panel [Improved] - Redesigned UI for currency exchange error display [Improved] - Deposit and withdrawal methods are now auto-disabled when the payment gateway is disabled [Fixed] - Rich text formatting issues on dynamic pages [Fixed] - Repeating data problem in page components [Fixed] - User and merchant registration event handling bugs 

v1.2 – 6 July 2025

 [Added] - New payment methods for enhanced flexibility [Added] - Additional virtual card provider (multi-provider support) [Added] - Virtual card placeholder application (users can apply with placeholder) [Added] - Card top-up and withdrawal functionalities [Fixed] - Static values replaced with dynamic config options [Fixed] - Language-related issues [Fixed] - Staff password change issues [Fixed] - Storage symlink issues [Fixed] - General bug fixes and performance improvements 

v1.1 – 20 June 2025

 [Added] - Merchant payment via QR code scan [Added] - Payment using merchant payment link [Added] - Voucher payment at checkout [Added] - Advanced virtual card system (multi-provider support) [Fixed] - Google reCAPTCHA integration issues [Fixed] - General bug fixes and performance improvements