phpWallet - e-wallet and online payment gateway system.

Are you looking to launch a complete online payment platform tailored to your country’s local currency and business ecosystem?

phpWallet is a powerful, all-in-one fintech solution for entrepreneurs, startups, developers, and businesses looking to build a modern Digital Wallet, Payment Gateway, and Virtual Dollar Card platform similar to PayPal, Cash App, Strowallet, Wise, or Skrill.

phpWallet offers a flexible and powerful payment gateway system that allows you to integrate both local and international payment providers with ease. Accept deposits and withdrawals through banks, mobile money, fintech providers, cryptocurrencies, and online payment gateways, giving your customers multiple ways to fund and withdraw from their wallets.

At the heart of phpWallet is a powerful administrative system that gives you complete control over your payment platform. As the platform owner, you manage every aspect of the ecosystem from users and digital wallets to Virtual Dollar Cards, payment gateways, merchant transactions, deposits, withdrawals, fees, KYC verification, and financial reporting.

Turn phpWallet into your own Virtual Dollar Card business and start selling USD virtual cards to customers worldwide. phpWallet comes integrated with the StroWallet USD Virtual Card API, allowing you to instantly issue and manage Virtual Dollar Cards directly from your platform.

phpWallet offers flexible withdrawal processing to suit your business model.

Administrators can process withdrawal requests either manually or automatically through integrated banking and payment APIs.

Manual Withdrawals: The administrator reviews each withdrawal request, transfers the funds to the customer’s bank account or preferred payment method outside the platform, and then confirms the transaction within the Admin Dashboard. Once approved, the user’s wallet balance is automatically updated, and the withdrawal is marked as completed.

Automated Withdrawals: phpWallet also supports integration with supported banking and payment gateway APIs, allowing withdrawal requests to be processed automatically without manual intervention. This enables faster payouts, reduces operational workload, and provides a seamless experience for your customers.

Whether you prefer full administrative control or a fully automated payout system, phpWallet gives you the flexibility to choose the workflow that best fits your business.

With this phpwallet script, you can also send mobile recharge of airtime and internet data bundle to over 170+ countries with 800+ mobile operators instantly within a seconds

FEATURES

• Payment Links (donation and fixed amount)
• 7 Automated Deposit Payment Gateways
• Automated Payment Gateways on payment link
• Automated Payment Gateways on checkout
• Unlimited Manual Deposit Methods.
• Unlimited Manual Withdrawal Methods
• Visa USD Virtual Card
• Mobile Recharge
• 170+ Countries Airtime
• 170+ Countries Internet Data bundles
• 800+ Telecoms Operators
• Airtime Top-Ups
• Developer Api documentation
• Email Verification One Time Password (OTP)
• Currency Exchange
• Multy Currency Wallets
• Generating USDT trc20 for each users
• Auto deposit by Crypto and fiat
• Money Transfers
• USD Virtual Card
• NFC Contactless USD Virtual Card
• Strowallet API. [ open here ]
• Fund User’s Wallet from admin dashboard
• Vouchers System
• Transactions History
• Developers API Merchant ( IPN )
• KYC Verification
• Your local Gateways ( on request)
• Ability to configure Virtual Card from Admin.
• Ability to freeze users balance while processing Withdrawal Requests.
• Ability to download Receipt for every transaction.
• Ability to download Statement of account.
• Ability to generating crypto wallet address.
• Responsive UI.
• Built with bootstrap 4.
• And more …

Last update : 20 July 2026
Version: 8
Required PHP v8.2

WhatsApp Support +2348166568886
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DEMO

if demo account is not working properly, send us a message, will fix it asap and let you know via email. https://codecanyon.net/user/codes_viral#message

Regular User
Link : https://phpwallet.codesviral.com/login
Username : userdemo
Password : userdemo

if admin account / demo is not working properly, send us a message, will reset the password and settings asap and let you know via email. https://codecanyon.net/user/codes_viral#message

Admin User
Link : https://phpwallet.codesviral.com/admin
Username : admin
Password : userdemo

Stripe Test card
Number : 4242 4242 4242 4242
Expire date : 01/29 Cvv: 123

SERVER REQUIREMENT:

1. Database Server type: MariaDB
   
   • it will not work properly in some versions of MySQL servers.
2. PHP 8.2
3. PDO PHP Extension
4. Tokenizer PHP Extension
5. PHP Fileinfo extension
6. OpenSSL PHP Extension
7. XML PHP Extension
8. Mbstring PHP Extension
9. GD Library
10. CURL Library
11. PHP mod_rewrite enabled

UPDATED CHANGELOG

20 July 2026 | Version 8.0.0
NEW FEATURES - Added NFC enabled USD Virtual Dollar Card System - Integrated StroWallet Virtual Card API - Added Automated StroWallet Deposit Gateway - Added USDT (TRC20) Wallet Address Generation - Added Automatic Crypto Deposit Support - Added KYC Verification System - Added Payment Links (Donation) - Added Payment Links (Fixed Amount) - Added Transaction Receipt Downloads - Added Account Statement Downloads - Added Admin Virtual Card Configuration - Added API Management from Admin Dashboard IMPROVEMENTS - Completely Redesigned Admin Dashboard - Completely Redesigned User Dashboard - Modernized Virtual Card Interface - Improved Payment Link Experience - Improved Currency Exchange Module - Improved Wallet Management - Improved Dashboard Performance - Improved Security and Validation - Virtual Card Creation Now Requires Approved KYC - Virtual Cards Automatically Use Verified KYC Information CHANGES - Migrated to StroWallet API - Centralized API Configuration in Admin Panel - Updated to the Latest Laravel Version - Improved Multi-Currency Support - Improved Transaction Processing - Improved Overall User Experience REMOVED - Removed Voyager Admin Panel - Removed Escrow Module - Removed P2P Marketplace FIXES - Fixed Multiple Payment Gateway Issues - Fixed Virtual Card Related Bugs - Fixed Dashboard UI Issues - Fixed Currency Exchange Bugs - Fixed General System Bugs - Improved Compatibility with Most Shared Hosting, VPS, and Dedicated Servers
10 October 2024 | v7
- Updated Virtual Card interface - Use strowallet Api - Kyc added - Validate Kyc before creating virtual card - Added strowallet to deposit - Added crypto address for each users - Updated our script to latest - fixed alot of bugs - Allowed any types of server - Updated payment link - Removed voyager completed - Changed admin panel - Changed user dashboard - Added Receipt for transaction - Added Statement of account - Added Usdt address - Updated currency exchanged - Removed escrow - Removed p2p - Added payment link donation - Added payment link fixed amount - Used kyc document to create virtual card - Moved all Api to admin - Improved Dashboard
20 September 2023 | v6.5
- Updated Virtual Card to VISA - Improved Dashboard
25 April 2023 | v6.5
- Added Paypal auto payment gateway - Added Stripe auto payment gateway - Added Strowallet auto payment gateway - Added Flutterwave auto payment gateway - Added Paystack auto payment gateway - Added Razorpay auto payment gateway - Added Instamojo auto payment gateway - Added Mollie auto payment gateway - Added All Api to Admin panel - Added Auto payment to Checkout - Added Auto payment to Payment link - Added auto payment to Deposit
20 February 2023 | v6.3
- Added Gift Cards - Added New Frontend Design - Added New login page design - Added New register page design - Added New Admin Dashboard Design - Removed Old Admin - Removed old deposit methods - Added New deposit methods - Removed old withdraw methods - Added new withdraw methods - Added Card holder's name - Now supported PHP version 7.4 - Easy to Operate - Dynamic settings from admin - Admin can block/unblock user - Admin can Add/subtract user balance - Admin can manage users - Separately login for user and Admin
5 February 2023 | v6.2
- Added Mobile Recharge - Added Airtime & Internet Data bundle - Automated Mobile recharge - Fixed Support Ticket bug - Switched Virtual Card to Master Card - Added Support Ticket to User dashboard - Improved payment link - Added 170+ Countries Airtime - Added 170+ Countries Internet Data - 800+ Operators - Improved Virtual card Api
8 January 2023 | v6.1
- Added full name on Register page - Fixed escrow bug - Added Support ticket - Fixed view Virtual card details bug - Added currency exchange back - Reduce minimum from $5 to $0.01 for merchant payment
4 December 2022 | v6.0
- Changed dashboard menu style - improved user dashboard - Added Flutterwave Gateway - Added Virtual Card - Added Strowallet Api - Added multi languages - Added stripe back - Added Bank account creation (on request) - Added Auto withdraw to Nigeria bank (on request) - Added Loan management (on request) - Added Bill Payment (on request) - Added mobile recharge (on request) - Added Printing Recharge cards For Nigeria ( on request) - Added Easy Language switcher - Responsible Dashboard - Removed Bugs - Added phpmailer - Ability to register without SMTP Setting
9 August 2022 | v5.8
- Added a Message For Buyers

1 August 2022 | v5.7

- Fixed bugs reported in previous version. - Removed Extra Vouchers.zip file. - Introduced the custom integrated to phpWallet payment gateway E-commerce script built with React Js librarie and Next Js Framework.
11 Abril 2022 | v5.6
- Fixed Credit Card Payments for Cryptocurrency PaymentLinks. - Fixed VirtualCards masked_pan issue.
27 March 2022 | v5.5
- Improved Client Security in Payment Links Credit Card Form. - added QrCode in Payment Link. - improved Payment Links UI
22 March 2022 | v5.4
- added accept card payments form, to Payment Links. - added virtual card base code for customization - improved virtual card UI
1 March 2022 | v5.3

- improved the UI/UX ( Fixed manual deposit screen responsivity ). - Added Payment Links Feature.
24 February 2022 | v5.2

- improved the UI/UX ( Fixed padding on some screens ). - Added Flutterwave Gateway. - Prepared database for Virtual Cards.
11 February 2022 | v5.1

- improved the UI/UX for mobile devices. - fixed bug on send money. - fixed FAQ link. - fixed Terms Of Service link. - fixed Tutorial link. - fixed Privacy Policy link. - fixed About link. - added Rich Text Content editor for ( FAQ, Terms of Service, About, Tutorial ) pages in admin Dashboard.
17 December 21 | v5.0

- added feature to Buy Voucher with Credit / Debit Card ( Stripe Gateway ). - bug fixes.
27 October 21 | v4.9

added P2P Exchange / Trade feature.
26 September 21 | v4.8

added Investments feature
21 September 21 | v4.7

changed the wallet creation steps

25 July 2020 | v3.5

- Added receipt for deposits, ( allowing users to see the deposit request amount from the receipt ) - Improved user impersonation feature in admin side. - Fixed previous version bugs.

02 June 2020 | v3.3

- Fixed user impersonation - Fixed Paystack bug.

30 March 2020 | v3.2

- Added ability to delete expired transactions. - Fixed email notifications for tickets. - Added Escrow feature.

27 March 2020 | v3.1

- Added admin email notification for new deposit requests - Added admin user notification for deposit requests waiting to be reviewed - Added admin user notification for completed deposits - Added admin email notification for new withdrawal requests - Added admin user notification for withdrawal requests waiting to be reviewed - Added admin user notification for completed withdrawal - Improved the withdrawal flow for admins - Improved the currency exchange flow for regular users - Improved the update exchange rate flow for admins

21 December 2018 | v2.2

- Added a landing page.

17 December 2018 | v2.1

- UI bug fixes and responsivenes improvement
13 December 2018 | v2.0

- UI improvement and minor bug fixes

28 November 2018 | v1.9

Fund wallets with vouchers created by admin with zero credit and zero fee’s Update

- Fixed user editing bug - Added quick admin panel in the user section - Added voucher generation for admin fund wallets with it. - Fixed previous version bugs.

18 September 2018 | v1.8

Voucher System Update

- Added Voucher System. - Fixed KYC Image Upload bug. - Fixed Change Profile Avatar bug. - Added more words to the translation file.

27 August 2018 | v1.7

- Added account email verification systrem.
16 August 2018 | v1.6

- Fixed previous version shoppingcart script bug. - Improved developers API docs.

11 August 2018 | v1.5

- Fixed previous version bug reports. - Improved the shoppingcart script. -Improved The Developers API return URL formats.
31 July 2018 | v1.4

User Profile, KYC ( Know Your Client ), and European GDPR update.

- Fixed admin fund wallet from administrative area issue. - Added cookie consent to reflect new European GDPR law. - Added Privacy Policy agreement to register form. - Added Privacy Policy, Terms of Use, FAQ, and About Us pages from Backend CMS and linked to the footer links section. - Added footer settings to the admin area. - Added edit profile section for regular users. - Added ability to upload a profile picture. - Added a profile table to the database. - Added ability to change the password for regular users. - Started to implement KYC ( Know Your Client ) by adding a section for regular user submit their national id or equivalent document issued by a government entity. - Added more words to the language files. - Added Message to the reviewer field in add credit form ( useful for deposit methods that require more info than just the deposit receipt screenshot ).

21 July 2018 | v1.3

This is the currency exchange Update for phpWallet

-Added currency exchange feature - Added top nav - Improved Security - Fixed previous version bugs

11 July 2018 | v1.2

This is the multi-currencies Update for phpWallet
[ BREAD ] stands for Browse, Read, Edit, Add and Delete.

- Code Improvements and bug fixes. - Added currencies BREAD menu to the admin panel. - Added Wallets BREAD menu in admin panel. - Added Currency exchange rates BREAD menu in admin panel. - Added deposit method to currency linking BREAD submenu to Deposit Methods menu in admin panel. - Added withdrawal method to currency linking BREAD submenu to Withdrawal Methods menu in admin panel. - Removed total money earned from fee’s analytics from admin dashboard because it was only in US Dollars, and now phpWallet supports multicurrency’s. ( will add this analytics back, but this time supporting all phpWallet’s added currencies ). - Removed total money deposited in the platform analytics from admin dashboard because it was only in US Dollars, and now phpWallet supports multi-currencies. ( will add this analytics back, but this time supporting all phpWallet’s added currencies ). - Added multilingual files for Portuguese. ( will add more words and languages in upcoming updates, please share your language translation file ) - Improved the shopping cart script to accept multiple currencies. - Updated the merchant API documentation - Updated the merchant system to accept one chosen - Removed the default currency symbol site setting because now the one setting the default wallet is the user. - Added a footer menu. - Added forgot password link in the login page. - Added Sign Up button on the login page
21 June 2018 | v1.1
- Added transactions menu in admin backend - Added a setting to change the default currency sign in admin backend - Added total deposits that are in the review queue process analytics in admin backend dashboard - Added total withdrawal requests that are in the review queue process analytics in admin backend dashboard - Added the name of the deposit owner and deposit transaction state ( pending / completed )in admin backend deposits page - Added Merchant BREAD in admin backend menu - Added all merchants analytics in admin backend dashboard - Added total money deposited in the platform analytics in admin backend dashboard - Added total money earned from fee’s analytics in admin backend dashboard

13 June 2018 | v1.0

- Initial Release