📄 payment.php

<?php

return [
    /*
    |--------------------------------------------------------------------------
    | eSewa — Nepal
    |--------------------------------------------------------------------------
    */
    'esewa' => [
        'merchant_code' => env('ESEWA_MERCHANT_CODE', 'EPAYTEST'),
        'secret_key'    => env('ESEWA_SECRET_KEY'),
        'mode'          => env('ESEWA_MODE', 'sandbox'),  // sandbox | production
    ],

    /*
    |--------------------------------------------------------------------------
    | Khalti — Nepal
    |--------------------------------------------------------------------------
    */
    'khalti' => [
        'public_key'  => env('KHALTI_PUBLIC_KEY'),
        'secret_key'  => env('KHALTI_SECRET_KEY'),
        'mode'        => env('KHALTI_MODE', 'sandbox'),
    ],

    /*
    |--------------------------------------------------------------------------
    | IME Pay — Nepal
    |--------------------------------------------------------------------------
    */
    'imepay' => [
        'merchant_code' => env('IMEPAY_MERCHANT_CODE'),
        'module'        => env('IMEPAY_MODULE'),
        'method'        => env('IMEPAY_METHOD', 'GET'),
        'mode'          => env('IMEPAY_MODE', 'sandbox'),
    ],

    /*
    |--------------------------------------------------------------------------
    | Connect IPS — Nepal (NCHL)
    |--------------------------------------------------------------------------
    */
    'connectips' => [
        'merchant_id'  => env('CONNECTIPS_MERCHANT_ID'),
        'app_id'       => env('CONNECTIPS_APP_ID'),
        'app_name'     => env('CONNECTIPS_APP_NAME', 'STPStore'),
        'private_key'  => env('CONNECTIPS_PRIVATE_KEY'),  // PEM string or path
        'mode'         => env('CONNECTIPS_MODE', 'sandbox'),
    ],

    /*
    |--------------------------------------------------------------------------
    | Razorpay — India (Phase 3)
    |--------------------------------------------------------------------------
    */
    'razorpay' => [
        'key_id'         => env('RAZORPAY_KEY_ID'),
        'key_secret'     => env('RAZORPAY_KEY_SECRET'),
        'webhook_secret' => env('RAZORPAY_WEBHOOK_SECRET'),
    ],

    /*
    |--------------------------------------------------------------------------
    | UPI — India (via Razorpay, Phase 3)
    |--------------------------------------------------------------------------
    */
    'upi' => [
        'vpa' => env('UPI_VPA', 'merchant@razorpay'),  // Virtual Payment Address
    ],

    /*
    |--------------------------------------------------------------------------
    | Stripe — International (Phase 3)
    |--------------------------------------------------------------------------
    */
    'stripe' => [
        'publishable_key' => env('STRIPE_PUBLISHABLE_KEY'),
        'secret_key'      => env('STRIPE_SECRET_KEY'),
        'webhook_secret'  => env('STRIPE_WEBHOOK_SECRET'),
    ],

    /*
    |--------------------------------------------------------------------------
    | PayPal — International (Phase 3)
    |--------------------------------------------------------------------------
    */
    'paypal' => [
        'client_id'     => env('PAYPAL_CLIENT_ID'),
        'client_secret' => env('PAYPAL_CLIENT_SECRET'),
        'webhook_id'    => env('PAYPAL_WEBHOOK_ID'),
        'mode'          => env('PAYPAL_MODE', 'sandbox'),  // sandbox | live
    ],

    /*
    |--------------------------------------------------------------------------
    | Paytm — India (Phase 3)
    |--------------------------------------------------------------------------
    | mode: staging  → https://securegw-stage.paytm.in
    | mode: production → https://securegw.paytm.in
    */
    'paytm' => [
        'merchant_id'   => env('PAYTM_MERCHANT_ID'),
        'merchant_key'  => env('PAYTM_MERCHANT_KEY'),
        'website'       => env('PAYTM_WEBSITE', 'WEBSTAGING'),
        'channel_id'    => env('PAYTM_CHANNEL_ID', 'WEB'),
        'industry_type' => env('PAYTM_INDUSTRY_TYPE', 'Retail'),
        'mode'          => env('PAYTM_MODE', 'staging'),  // staging | production
    ],

    /*
    |--------------------------------------------------------------------------
    | CCAvenue — India (Phase 3)
    |--------------------------------------------------------------------------
    | mode: test       → https://test.ccavenue.com
    | mode: production → https://secure.ccavenue.com
    */
    'ccavenue' => [
        'merchant_id'  => env('CCAVENUE_MERCHANT_ID'),
        'access_code'  => env('CCAVENUE_ACCESS_CODE'),
        'working_key'  => env('CCAVENUE_WORKING_KEY'),
        'mode'         => env('CCAVENUE_MODE', 'test'),  // test | production
    ],
];