DigiKash – Self-Hosted Laravel Fintech Suite with QR Wallet, Merchant API, P2P Exchange, Virtual Cards, Remittance & 26 Payment Gateways

DigiKash is a self-hosted payment gateway and crypto & fiat digital wallet platform built with Laravel. Send and receive money, accept QR payments, run a built-in P2P exchange, issue virtual cards, and launch a complete fintech business from your own server — with full source-code ownership and no monthly SaaS fees.

Designed for fintech startups, money-transfer businesses, merchant payment services, P2P marketplaces, and neobank-style projects, DigiKash brings every module you need into one system: multi-currency wallets, instant money transfer, QR payments, a merchant checkout API, international remittance, Wallet Earn & Staking, subscription billing, gift cards, mobile recharge, and agent operations.

It ships with 26 built-in payment gateways covering cards, crypto, mobile money, and regional providers, plus a bundled WooCommerce payment plugin, role-based feature controls, and security-focused account protection. There is no platform fee or SaaS lock-in — though third-party gateways and service providers may require their own accounts, approval, or usage fees.

Core Modules

• Multi-Currency Wallet: hold fiat and crypto, then transfer, request, deposit, and withdraw.
• QR Payments & Transfers: scan-to-pay, shareable receive codes, and instant peer-to-peer money transfer.
• Merchant API & Checkout: hosted checkout, Wallet ID payments, payment links, WooCommerce, and HMAC-signed webhooks.
• P2P Exchange Marketplace: escrow orders, trader profiles, and dispute handling.
• Virtual Cards: multi-provider card issuance for online spending.
• Remittance & Payouts: international transfers with saved beneficiaries and tracking.
• Earn, Billing & Extras: Wallet Earn & Staking, subscription billing, gift cards, mobile recharge, and an agent program.

Ideal For

Digital wallet businesses, payment gateway platforms, QR payment services, money-transfer and remittance apps, crypto payment projects, P2P exchanges, merchant checkout systems, virtual card platforms, and multi-currency fintech applications.

Why DigiKash Stands Out

• One platform, many revenue streams: merchant fees, P2P promotions, subscriptions, virtual-card fees, Wallet Earn plans, mobile recharge, gift cards, and agent commissions.
• Self-hosted and fully customizable: own the source code, database, branding, and business rules.
• Built for every role: dedicated User, Merchant, Agent, Staff, and Admin panels.
• API-first payments: hosted checkout, Wallet ID payments, QR payments, payment links, and signed webhooks.
• Granular control: enable or disable modules by panel, KYC status, and phone-verification rules.
• Actively maintained: one-click updates, signed release verification, recovery backups, and automatic migrations.

Explore the Main Features

Live Demo & Login Credentials

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

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

User Panel

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

Merchant Panel

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

Agent Panel

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

Admin Panel

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

Stripe Test Card: 4242 4242 4242 4242 · Any future expiry · Any 3-digit CVV

What’s New in DigiKash v2.0.1

• Gift Card Module: create branded gift-card templates, purchase with wallet balance, deliver by email, share public previews, and redeem directly to a wallet.
• International Remittance: manage beneficiaries, transfer corridors, quotes, remittance orders, and transfer tracking.
• P2P Order Chat: built-in buyer and seller messaging inside active trade orders.
• P2P Promotions & Quote Currencies: promotion packages, improved trader visibility, and flexible offer pricing.
• RTL & Arabic Support: language direction management with a complete RTL-ready interface.
• MercadoPago Gateway: additional regional payment gateway support.
• Signup Bonus: automatically reward eligible users after account verification.
• Golden Frontend Theme: a modern alternative landing page and authentication experience with theme management.
• Media Library: centralized media and storage-provider management.
• Improved UI & Stability: major P2P, dashboard, gateway, virtual-card, language, notification, and responsive-layout improvements.

Universal QR Payment System

• Every wallet can generate a shareable receive QR code and payment link.
• Users, merchants, and agents can scan and pay compatible DigiKash QR codes instantly.
• Merchant QR shop pages support fast in-store and counter payments.
• Agent workflows support QR-based cash-in and cash-out operations.
• QR payments reduce checkout friction and provide a mobile-first payment experience.

Digital Wallet & Money Transfer

• Multi-currency wallets for fiat and crypto currencies.
• Real-time currency conversion and configurable exchange rates.
• Send, receive, request, deposit, withdraw, and exchange money.
• International remittance with beneficiaries, corridors, quotes, and transfer tracking.
• Shareable payment links with fixed or buyer-defined amounts, expiry dates, maximum uses, and guest checkout.
• Single-use and multi-use vouchers with wallet and merchant-checkout redemption.
• Scheduled withdrawal windows and reusable bank, crypto, or mobile-money payout accounts.
• Separate deposit and withdrawal fee rules for users and merchants.

Pay with Wallet ID

• Cardless checkout using a customer Wallet ID and Wallet PIN.
• Fast on-site payment flow with no external redirect.
• Guest checkout support for merchant payments.
• Merchant API integration for websites, applications, and custom platforms.

Merchant Gateway, Checkout API & WooCommerce

• Dedicated merchant panel for payment management and business operations.
• Hosted checkout flow for external websites and applications.
• Laravel Sanctum personal-access tokens for Merchant API authentication.
• HMAC-SHA256 signed webhooks for secure payment-status notifications.
• QR shop pages and payment links for online and in-person collection.
• Bundled WooCommerce payment plugin for eCommerce checkout integration.
• Live API documentation with request examples and syntax highlighting.

Built-in P2P Exchange Marketplace

• Create fiat and crypto buy/sell offers with custom prices and payment methods.
• Escrow-protected orders with mark-as-paid, release, cancel, and dispute workflows.
• Buyer and seller chat inside active P2P orders.
• Trader profiles, ratings, feedback, verification details, and trade statistics.
• Promotion packages for boosted P2P offers.
• Payment-method directory and configurable quote currencies.
• Admin dispute handling and marketplace moderation.

Multi-Provider Virtual Cards

• Unified provider architecture for Stripe Issuing, StroWallet, and Bitnob.
• Provider-specific capability settings and configurable fees.
• Virtual-card creation, funding, withdrawal, freeze, unfreeze, and status controls.
• Cardholder and eligibility management.
• Only non-sensitive card details are stored by the platform.

Wallet Earn, Staking & Subscription Billing

• Configurable Wallet Earn plans with APY, lock periods, limits, and scheduled rewards.
• Detailed stake history, maturity tracking, and reward transactions.
• Tiered subscription plans with pricing cycles, plan features, renewals, cancellations, and transaction history.
• Subscription-based feature access for revenue-generating modules.

Additional Revenue Modules

• Mobile Recharge: Reloadly, generic HTTP API, and sandbox drivers.
• Gift Cards: configurable templates, email delivery, public previews, and wallet redemption.
• Agent Program: dedicated panel, commission rules, deposits, withdrawals, QR operations, and account conversion.
• Signup Bonus: configurable verification-based rewards.
• Voucher System: reusable or single-use voucher codes with currency and redemption controls.
• Referral & Rewards: referral tracking and configurable reward workflows.

Advanced Feature Controls

• Enable or disable revenue modules independently for User, Merchant, and Agent panels.
• Require KYC approval or phone verification before accessing selected features.
• Control currency availability by audience and wallet role.
• Adapt DigiKash to different fintech business models without removing source code.

Admin Panel Highlights

• Searchable, categorized, permission-aware control panel.
• User-to-Merchant and User-to-Agent account conversion.
• Audit-logged “Login as user” support sessions.
• Bulk email delivery from the admin panel.
• KYC templates and approval workflows for users, merchants, and agents.
• Background Jobs dashboard with scheduler status, retry, and retry-all actions.
• Payment gateway, currency, fee, card-provider, subscription, and P2P management.
• IP blocking, admin lock screen, activity logs, and session controls.
• Style Manager and custom landing-page uploader.
• Media library, theme management, RTL settings, and admin-managed translations.

Security & Account Protection

• TOTP two-factor authentication across User, Merchant, Agent, Staff, and Admin panels.
• Wallet PIN verification for transfers, withdrawals, and other sensitive actions.
• KYC workflows with audience-specific templates and resubmission support.
• Twilio phone verification with rate-limited endpoints.
• Login activity records for IP address, country, browser, device, and platform.
• Sign out all other sessions with password confirmation.
• Account-status middleware and configurable admin URL prefix.
• HMAC-signed merchant webhooks and Sanctum API authentication.
• Signed project releases with SHA-256 verification and recovery backups.

Built-in Payment Gateways

DigiKash includes Many configurable payment gateways across cards, crypto, regional payments, and mobile money. Manual payment methods can also be created from the admin panel.

• Cards & Global: Stripe · PayPal · Mollie · 2Checkout · MercadoPago · Cashmaal
• African & Regional: Flutterwave · Paystack · Moneroo · Paymob · Voguepay · StroWallet · Bitnob
• Mobile Money: MTN Mobile Money · Airtel Money
• Indian Gateways: Razorpay · Instamojo
• Crypto: Coinbase Commerce · Binance Pay · Cryptomus · CoinGate · CoinPayments · NowPayments · Blockchain.info · Block.io · BTCPay Server
• Manual Payments: bank transfer, cash, crypto transfer, mobile money, or any custom offline method.

Progressive Web App & Notifications

• Installable PWA with configurable icons, colors, manifest, and service worker.
• Email, SMS, push, and in-app database notifications.
• Event-level channel controls and editable notification templates.
• Responsive user dashboard optimized for desktop and mobile use.

Technology Stack

• Runtime: PHP 8.3+ with PHP 8.4 support
• Framework: Laravel 11
• Authentication: Laravel Sanctum 4
• Authorization: Spatie Laravel Permission 6
• Two-Factor Authentication: pragmarx/google2fa 8
• Frontend: Bootstrap 5, jQuery 3.7, HTML5, and CSS3
• Charts: Chart.js and ApexCharts
• PDF & QR: dompdf and bacon/bacon-qr-code
• Image Processing: Intervention Image 3
• Database: MySQL 5.7+, MariaDB 10.3+, or SQLite
• Build Process: pre-built frontend assets; no Node.js build is required for normal installation

Why Choose DigiKash?

• Complete payment gateway and digital wallet platform in one codebase.
• Modern Laravel 11 architecture with modular gateway and card-provider integrations.
• Multiple monetization modules for fintech founders and payment businesses.
• Full source-code access with no monthly DigiKash platform fee.
• Guided web installer at /install.
• One-click signed project updater with automatic migrations and recovery backups.
• Comprehensive HTML documentation and active product development.
• Suitable for custom integrations, white-label fintech projects, and merchant payment businesses.

What’s Included in Your Download

• Laravel Application Package: the complete DigiKash source code.
• Documentation: installation, configuration, gateway setup, Merchant API, QR payments, P2P, virtual cards, and feature-management guides.
• WooCommerce Plugin: bundled merchant payment gateway integration.
• Future Updates: delivered through Envato and the built-in project updater while the item is actively maintained.
• Support: 6 months of Envato item support included with the purchase.

System Requirements

• PHP 8.3 or higher
• MySQL 5.7+, MariaDB 10.3+, or SQLite
• Apache or Nginx with HTTPS
• Queue worker recommended for background jobs and notification processing
• Cron or scheduler access; hosting providers may limit the minimum execution interval
• PHP extensions: BCMath, Ctype, DOM, Fileinfo, JSON, LibXML, Mbstring, OpenSSL, PDO, PDO MySQL, Tokenizer, XML, ZIP, cURL, and required image-processing extensions
• Server support for storage linking and required PHP functions used by file and image management

Third-Party Service Notice

DigiKash itself does not require a recurring SaaS subscription. Some optional integrations—such as payment gateways, card-issuing providers, SMS services, mobile-recharge APIs, email providers, push services, or cloud storage—may require separate provider accounts, business verification, API approval, deposits, or usage-based fees. These third-party costs are not included in the CodeCanyon purchase price.

Sources & Credits

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

Changelog

v2.0.1 – 12 June 2026

[Added] - New Gift Card module with gift card templates, purchase, preview, redeem, and email delivery
[Added] - Signup bonus system with automatic reward after user verification
[Added] - New Remittance module with beneficiaries, corridors, quotes, transfers, and transfer tracking
[Added] - Golden frontend theme with modern homepage, auth pages, and theme manager
[Added] - Media library module with storage provider management
[Added] - P2P order chat system for buyer and seller communication
[Added] - P2P promotion packages and improved trader promotion flow
[Added] - Quote currency support for P2P offers
[Added] - RTL language support with Arabic translation and language direction handling
[Added] - MercadoPago payment gateway support
[Added] - Agent charge option for deposit and withdraw methods
[Added] - Payment method icon assets for P2P marketplace

[Improved] - P2P marketplace, trade ads, payment accounts, trader profile, and trade order pages
[Improved] - User dashboard responsive layout and mobile experience
[Improved] - Admin dashboard UI for payment gateways, support tickets, virtual cards, KYC, merchant review, and user ranks
[Improved] - Deposit and withdraw method management with automatic method code generation
[Improved] - Transaction currency handling for manual deposits and withdrawals
[Improved] - Subscription plan feature handling and upgrade prompt design
[Improved] - Language manager UI and translation workflow
[Improved] - Notification template management
[Improved] - Page manager and frontend page component handling
[Improved] - Virtual card pages and provider response handling

[Fixed] - Payment gateway timeout issues
[Fixed] - Currency creation issue
[Fixed] - Manual deposit and withdraw currency display issues
[Fixed] - Notification feed malformed data issue
[Fixed] - RTL layout and language display issues
[Fixed] - P2P marketplace modal and trade order page issues
[Fixed] - Create trade ad responsive layout issues
[Fixed] - Missing page component issues
[Fixed] - General UI, validation, and performance improvements

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

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