flutter_phajay

PhaJay Flutter SDK

The PhaJay Flutter SDK lets you create smooth and secure payment experiences inside native Android and iOS apps built with Flutter. It provides powerful, fully customizable UI screens and components that work out-of-the-box to collect and process users’ payment details through PhaJay’s multi-bank and QR payment network. Additionally, it supports advanced features like real-time transaction updates and multi-platform compatibility, including web, macOS, Linux, and Windows.

---

✨ Features

• Open a payment link inside your app
• Easy to use with a single widget
• Real-time transaction updates
• Multi-platform support (Android, iOS, Web, macOS, Linux, Windows)
• Secure and reliable payment processing
• Fully customizable UI components
• Built-in Noto Sans Lao font support for optimal Lao language rendering
• Consistent theming system across all payment interfaces

---

📦 Installation

Add this to your pubspec.yaml:

dependencies:
  flutter_phajay: ^0.0.18

Note: google_fonts is automatically included as a dependency of flutter_phajay for Noto Sans Lao font support, so you don't need to add it manually.

Run the following command to fetch the package:

flutter pub get

---

🔧 Platform Configuration

Android Configuration

1. Internet Permission (Required)

Add the following permission to your android/app/src/main/AndroidManifest.xml file (usually already present in most Flutter projects):

<manifest xmlns:android="http://schemas.android.com/apk/res/android">
    <!-- Required permissions -->
    <uses-permission android:name="android.permission.INTERNET" />
    <uses-permission android:name="android.permission.ACCESS_NETWORK_STATE" />
    
    <application
        android:usesCleartextTraffic="true">
        <!-- Your app configuration -->
    </application>
</manifest>

2. Deep Link Configuration (Required for Payment Callbacks)

Add the following intent filter inside the <activity> tag in your android/app/src/main/AndroidManifest.xml:

<activity
    android:name=".MainActivity"
    android:exported="true"
    android:launchMode="singleTop"
    android:theme="@style/LaunchTheme">
    
    <!-- Existing intent filter for MAIN/LAUNCHER -->
    <intent-filter>
        <action android:name="android.intent.action.MAIN"/>
        <category android:name="android.intent.category.LAUNCHER"/>
    </intent-filter>
    
    <!-- Add these intent filters for PhaJay payment callbacks -->
    <intent-filter android:autoVerify="true">
        <action android:name="android.intent.action.VIEW" />
        <category android:name="android.intent.category.DEFAULT" />
        <category android:name="android.intent.category.BROWSABLE" />
        <data android:scheme="phajay" 
              android:host="payment" />
    </intent-filter>
    
    <!-- Additional callbacks for payment status -->
    <intent-filter>
        <action android:name="android.intent.action.VIEW" />
        <category android:name="android.intent.category.DEFAULT" />
        <category android:name="android.intent.category.BROWSABLE" />
        <data android:scheme="phajay" 
              android:host="success" />
    </intent-filter>
    
    <intent-filter>
        <action android:name="android.intent.action.VIEW" />
        <category android:name="android.intent.category.DEFAULT" />
        <category android:name="android.intent.category.BROWSABLE" />
        <data android:scheme="phajay" 
              android:host="error" />
    </intent-filter>
</activity>

3. Bank App Integration (Required for Banking Deep Links)

Add comprehensive banking app support in your android/app/src/main/AndroidManifest.xml:

<manifest xmlns:android="http://schemas.android.com/apk/res/android">
    <!-- Add this section before <application> -->
    <queries>
        <intent>
          <action android:name="android.intent.action.VIEW" />
          <data android:scheme="onepay" /> 
        </intent>
        <intent>
          <action android:name="android.intent.action.VIEW" />
          <data android:scheme="https" />
        </intent>
        <intent>
          <action android:name="android.intent.action.VIEW" />
          <data android:scheme="trustpay" />
        </intent>
    </queries>
    
    <application>
        <!-- Your app configuration -->
    </application>
</manifest>

iOS Configuration

1. Deep Link Configuration (Required for Payment Callbacks)

Add the following to your ios/Runner/Info.plist file:

<dict>
    <!-- Existing configurations -->
    
    <!-- Add URL scheme for PhaJay payment callbacks -->
    <key>CFBundleURLTypes</key>
    <array>
        <dict>
            <key>CFBundleURLName</key>
            <string>phajay.payment.callback</string>
            <key>CFBundleURLSchemes</key>
            <array>
                <string>phajay</string>
            </array>
        </dict>
    </array>
    
    <!-- Allow opening banking apps (Required for JDB, LDB and BCEL integration) -->
    <key>LSApplicationQueriesSchemes</key>
    <array>
        <string>jdbbank</string>
        <string>onepay</string>
        <string>trustpay</string>
    </array>
</dict>

2. Network Security (iOS 9.0+)

If you're connecting to HTTP endpoints (not recommended for production), add the following to your ios/Runner/Info.plist:

<dict>
    <!-- Only add this for development/staging environments -->
    <key>NSAppTransportSecurity</key>
    <dict>
        <key>NSAllowsArbitraryLoads</key>
        <true/>
    </dict>
</dict>

Note: For production apps, always use HTTPS endpoints and remove the NSAppTransportSecurity configuration.

---

🔒 Security Considerations

Production Deployment

1. HTTPS Only: Always use HTTPS endpoints in production
2. API Key Security: Store your PhaJay secret key securely
3. Deep Link Validation: Validate all incoming deep link parameters
4. Certificate Pinning: Consider implementing certificate pinning for additional security

Secret Key Management

// ❌ Don't hardcode in source code
PaymentLinkScreen(
  publicKey: "your-secret-key-here",
);

// ✅ Use environment variables or secure storage
PaymentLinkScreen(
  publicKey: const String.fromEnvironment('PHAJAY_SECRET_KEY'),
);

---

🚀 Usage

Step 1: Import the Library

In your Dart file, import the flutter_phajay library:

import 'package:flutter_phajay/flutter_phajay.dart';

Step 2: (Optional) Apply Noto Sans Lao Theme

For optimal Lao language rendering, apply the built-in PhajayTheme to your MaterialApp:

import 'package:flutter/material.dart';
import 'package:flutter_phajay/flutter_phajay.dart';

void main() {
  runApp(const MyApp());
}

class MyApp extends StatelessWidget {
  const MyApp({super.key});

  @override
  Widget build(BuildContext context) {
    return MaterialApp(
      title: 'My App',
      theme: PhajayTheme.lightTheme, // Apply Noto Sans Lao theme
      // Add localization support
      localizationsDelegates: PhajayLocalizations.localizationsDelegates,
      supportedLocales: PhajayLocalizations.supportedLocales,
      home: const MyHomePage(),
    );
  }
}

Step 4: Language Support (Optional)

Flutter Phajay supports both English and Lao languages. Users can switch languages dynamically:

import 'package:flutter_phajay/flutter_phajay.dart';

// Switch to Lao language
PhajayLocalizations.setLanguage(PhajayLanguage.lao);

// Switch to English language
PhajayLocalizations.setLanguage(PhajayLanguage.english);

// Get current language
PhajayLanguage currentLang = PhajayLocalizations.currentLanguage;

Supported Languages:

• 🇺🇸 English (en) - Default
• 🇱🇦 Lao (lo) - ພາສາລາວ

All UI text, error messages, and payment instructions are automatically translated.

Step 3: Add the PaymentLinkScreen Widget

To integrate the PaymentLinkScreen widget, use the following code snippet:

PaymentLinkScreen(
  amount: 100, // Amount in LAK (Required)
  description: "Test Payment from Flutter", // Payment description (Required)
  publicKey: r"{YOUR_SECRET_KEY}", // Your PhaJay public key (Required)
  orderNo: "ORDER${DateTime.now().millisecondsSinceEpoch}", // Unique order number (Optional)
  tag1: "flutter_app", // Custom tag 1 (Optional)
  tag2: "mobile_payment", // Custom tag 2 (Optional) 
  tag3: "v1.0.0", // Custom tag 3 (Optional)
  onPaymentSuccess: () {
    // Handle payment success
    print('🎉 Payment successful!');
    // Navigate to success screen or show success dialog
  },
  onPaymentError: (String error) {
    // Handle payment error
    print('❌ Payment failed: $error');
    // Show error dialog or navigate to error screen
  },
);

Required Parameters:

• amount (int): Payment amount in LAK
• description (String): Description of the payment
• publicKey (String): Your PhaJay public key from dashboard
• onPaymentSuccess (Function): Callback when payment succeeds
• onPaymentError (Function): Callback when payment fails

Optional Parameters:

• orderNo (String): Unique order identifier
• tag1, tag2, tag3 (String): Custom tracking tags

Complete Example

Here's a complete example showing how to integrate PaymentLinkScreen in your app:

import 'package:flutter/material.dart';
import 'package:flutter_phajay/flutter_phajay.dart';

void main() {
  runApp(const MyApp());
}

class MyApp extends StatelessWidget {
  const MyApp({super.key});

  @override
  Widget build(BuildContext context) {
    return ListenableBuilder(
      listenable: PhajayLocalizations(),
      builder: (context, child) {
        return MaterialApp(
          title: 'PhaJay Payment Demo',
          theme: PhajayTheme.lightTheme, // Apply PhaJay theme
          locale: PhajayLocalizations.locale, // Support language switching
          localizationsDelegates: PhajayLocalizations.localizationsDelegates,
          supportedLocales: PhajayLocalizations.supportedLocales,
          home: const PaymentDemo(),
        );
      },
    );
  }
}

class PaymentDemo extends StatefulWidget {
  const PaymentDemo({super.key});

  @override
  State<PaymentDemo> createState() => _PaymentDemoState();
}

class _PaymentDemoState extends State<PaymentDemo> {
  final TextEditingController _amountController = TextEditingController();
  final TextEditingController _descriptionController = TextEditingController();
  bool showPaymentScreen = false;

  @override
  Widget build(BuildContext context) {
    if (showPaymentScreen) {
      // Show PhaJay Payment Screen
      return Scaffold(
        appBar: AppBar(
          title: const Text('Payment'),
          leading: IconButton(
            icon: const Icon(Icons.arrow_back),
            onPressed: () => setState(() => showPaymentScreen = false),
          ),
        ),
        body: PaymentLinkScreen(
          amount: int.tryParse(_amountController.text) ?? 1000,
          description: _descriptionController.text.isEmpty
              ? "Test Payment"
              : _descriptionController.text,
          publicKey: r"{YOUR_SECRET_KEY}",
          orderNo: "ORDER${DateTime.now().millisecondsSinceEpoch}",
          onPaymentSuccess: () {
            // Handle success
            setState(() => showPaymentScreen = false);
            _showSuccessDialog();
          },
          onPaymentError: (error) {
            // Handle error
            setState(() => showPaymentScreen = false);
            _showErrorDialog(error);
          },
        ),
      );
    }

    // Show payment form
    return Scaffold(
      appBar: AppBar(
        title: const Text('PhaJay Payment Demo'),
        actions: [
          // Language switcher
          PopupMenuButton<PhajayLanguage>(
            onSelected: (language) => PhajayLocalizations.setLanguage(language),
            itemBuilder: (context) => [
              const PopupMenuItem(
                value: PhajayLanguage.english,
                child: Text('🇺🇸 English'),
              ),
              const PopupMenuItem(
                value: PhajayLanguage.lao,
                child: Text('🇱🇦 ພາສາລາວ'),
              ),
            ],
          ),
        ],
      ),
      body: Padding(
        padding: const EdgeInsets.all(16.0),
        child: Column(
          children: [
            TextField(
              controller: _amountController,
              decoration: const InputDecoration(
                labelText: 'Amount (LAK)',
                hintText: 'Enter amount',
              ),
              keyboardType: TextInputType.number,
            ),
            const SizedBox(height: 16),
            TextField(
              controller: _descriptionController,
              decoration: const InputDecoration(
                labelText: 'Description',
                hintText: 'Enter payment description',
              ),
            ),
            const SizedBox(height: 32),
            ElevatedButton(
              onPressed: () => setState(() => showPaymentScreen = true),
              child: const Text('Start Payment'),
            ),
          ],
        ),
      ),
    );
  }

  void _showSuccessDialog() {
    showDialog(
      context: context,
      builder: (context) => AlertDialog(
        title: const Text('🎉 Payment Success'),
        content: const Text('Your payment has been processed successfully!'),
        actions: [
          TextButton(
            onPressed: () => Navigator.pop(context),
            child: const Text('OK'),
          ),
        ],
      ),
    );
  }

  void _showErrorDialog(String error) {
    showDialog(
      context: context,
      builder: (context) => AlertDialog(
        title: const Text('❌ Payment Error'),
        content: Text('Payment failed: $error'),
        actions: [
          TextButton(
            onPressed: () => Navigator.pop(context),
            child: const Text('OK'),
          ),
        ],
      ),
    );
  }
}

---

⚙️ Configuration

Environment Configuration

You can configure the payment gateway environment:

import 'package:flutter_phajay/flutter_phajay.dart';

void main() {
  // Option 1: Use default configuration (Production)
  // PhajayConfig.baseUrl will be 'https://payment-gateway.phajay.co'
  
  // Option 2: Set custom base URL for staging/development
  PhajayConfig.setBaseUrl('https://staging-payment-gateway.phajay.co');
  
  // Option 3: Environment-specific configuration
  const bool isProduction = bool.fromEnvironment('PRODUCTION', defaultValue: false);
  
  if (isProduction) {
    PhajayConfig.resetToDefault(); // Use production URL
  } else {
    PhajayConfig.setBaseUrl('https://staging-payment-gateway.phajay.co');
  }
  
  runApp(MyApp());
}

// Available configuration methods:
PhajayConfig.baseUrl;              // Get current base URL
PhajayConfig.setBaseUrl(url);      // Set custom base URL  
PhajayConfig.resetToDefault();     // Reset to default production URL

Getting Your Public Key

1. Sign up at PhaJay Dashboard
2. Create a new merchant account
3. Copy your public key from the API section
4. Use it in your PaymentLinkScreen widget

Note: Never use your secret key in client-side code. Only use the public key.

---

💳 Supported Payment Methods

Flutter Phajay supports various payment methods available in Laos:

🏦 Mobile Banking

• BCEL OnePay - Bank of China (Laos) mobile banking
• LDB Mobile - Lao Development Bank mobile app
• JDB Mobile - Joint Development Bank mobile app
• STB Mobile - Sacombank mobile banking
• Indochina Bank TrustPay - Indochina Bank mobile payment

📱 QR Code Payments

• Lao QR - National QR payment standard
• BCEL QR - Bank-specific QR codes
• Universal QR - Cross-bank QR payments

💳 Credit/Debit Cards

• Visa - International Visa cards
• Mastercard - International Mastercard
• UnionPay - Chinese UnionPay cards
• Local Cards - Domestic bank cards

🌐 Digital Wallets

• Alipay - Chinese digital wallet
• WeChat Pay - Chinese mobile payment

Payment Flow

1. User selects payment method
2. App generates QR code or redirects to banking app
3. User completes payment in their banking app
4. App receives payment confirmation via deep links
5. Success/error callbacks are triggered

All payment methods support real-time status updates and automatic return to your app after payment completion.

Theme Customization

Flutter Phajay provides a built-in theme system with Noto Sans Lao font for optimal Lao language support:

Using Pre-built Theme

import 'package:flutter/material.dart';
import 'package:flutter_phajay/flutter_phajay.dart';

class MyApp extends StatelessWidget {
  @override
  Widget build(BuildContext context) {
    return MaterialApp(
      theme: PhajayTheme.lightTheme, // Applies Noto Sans Lao font globally
      home: MyHomePage(),
    );
  }
}

Using Individual Text Styles

import 'package:flutter_phajay/flutter_phajay.dart';

// Available text styles with Noto Sans Lao:
Text('Main Title', style: PhajayTheme.heading1);
Text('Section Header', style: PhajayTheme.heading2);
Text('Subsection', style: PhajayTheme.heading3);
Text('Body content', style: PhajayTheme.bodyText);
Text('Small text', style: PhajayTheme.bodyTextSmall);
Text('Caption', style: PhajayTheme.caption);

// Customizable styles:
Text('Custom', style: PhajayTheme.bodyText.copyWith(
  color: Colors.blue,
  fontWeight: FontWeight.bold,
));

// Direct Noto Sans Lao usage:
Text('Custom Style', style: PhajayTheme.notoSansLao(
  fontSize: 20,
  fontWeight: FontWeight.w600,
  color: Colors.green,
));

Theme Features

• Noto Sans Lao Font: Optimized for Lao language rendering
• Consistent Typography: Unified font family across all payment interfaces
• Responsive Design: Proper font sizes for different screen densities
• Accessibility: Improved readability for Lao text content
• Customizable: All styles can be extended with .copyWith()

---

Example

Here is a complete example of how to use the PaymentLinkScreen widget with proper theming in your Flutter app:

import 'package:flutter/material.dart';
import 'package:flutter_phajay/flutter_phajay.dart';

void main() {
  runApp(const MyApp());
}

class MyApp extends StatelessWidget {
  const MyApp({super.key});

  @override
  Widget build(BuildContext context) {
    return MaterialApp(
      title: 'Flutter Phajay Example',
      theme: PhajayTheme.lightTheme, // Apply Noto Sans Lao theme
      home: const PaymentExampleScreen(),
    );
  }
}

class PaymentExampleScreen extends StatelessWidget {
  const PaymentExampleScreen({super.key});

  @override
  Widget build(BuildContext context) {
    return Scaffold(
      appBar: AppBar(
        title: Text('Payment Example', style: PhajayTheme.heading2),
      ),
      body: Center(
        child: Column(
          mainAxisAlignment: MainAxisAlignment.center,
          children: [
            Text(
              'ຍິນດີຕ້ອນຮັບ', // Welcome in Lao
              style: PhajayTheme.heading1,
            ),
            const SizedBox(height: 20),
            PaymentLinkScreen(
              amount: 100000, // 100,000 LAK
              description: "ການທົດສອບການຈ່າຍເງິນ", // Test Payment in Lao
              publicKey: r"{YOUR_SECRET_KEY}",
              onPaymentSuccess: () {
                print('Payment successful!');
                // Handle payment success
              },
              onPaymentError: (String error) {
                print('Payment failed: $error');
                // Handle payment error
              },
            ),
          ],
        ),
      ),
    );
  }
}

---

📖 Documentation

• For official details, please visit the PhaJay Official Website.
• For further development documentation, refer to the PhaJay Payment Documentation.

---

🔧 Troubleshooting

Common Issues

1. Payment API Errors

// ❌ Common error: Invalid public key format
PaymentLinkScreen(
  publicKey: "invalid-key-format", // Wrong format
  // ... other parameters
);

// ✅ Correct: Use the exact key from PhaJay dashboard  
PaymentLinkScreen(
  publicKey: r"{YOUR_SECRET_KEY}",
  // ... other parameters
);

2. Deep Link Not Working

• Android: Ensure the intent filter is correctly added to your MainActivity
• iOS: Verify CFBundleURLSchemes is properly configured in Info.plist
• Test deep links using: adb shell am start -W -a android.intent.action.VIEW -d "phajay://payment?status=success" com.yourapp.package

3. Language Not Switching

// ❌ Wrong: MaterialApp without ListenableBuilder
MaterialApp(
  localizationsDelegates: PhajayLocalizations.localizationsDelegates,
  home: MyApp(),
)

// ✅ Correct: Wrap with ListenableBuilder for reactive language switching
ListenableBuilder(
  listenable: PhajayLocalizations(),
  builder: (context, child) {
    return MaterialApp(
      locale: PhajayLocalizations.locale,
      localizationsDelegates: PhajayLocalizations.localizationsDelegates,
      supportedLocales: PhajayLocalizations.supportedLocales,
      home: MyApp(),
    );
  },
)

4. Banking Apps Not Opening

• Android: Add required package queries in AndroidManifest.xml
• iOS: Include LSApplicationQueriesSchemes in Info.plist
• Ensure target banking apps are installed on the device

5. Payment Callbacks Not Received

• Verify your app can handle the phajay:// URL scheme
• Check that app_links plugin is properly configured
• Ensure your app is in foreground when payment completes

6. Network/API Issues

// Add error handling for network issues
onPaymentError: (String error) {
  if (error.contains('network')) {
    // Handle network error
    showDialog(/* Network error dialog */);
  } else if (error.contains('timeout')) {
    // Handle timeout
    showDialog(/* Timeout dialog */);
  }
  // Handle other errors
},

7. WebView Issues (Credit Cards)

• Ensure android:usesCleartextTraffic="true" in AndroidManifest.xml
• Add INTERNET permission
• For iOS: Configure ATS settings if needed

8. Font Rendering Issues

• Apply PhajayTheme.lightTheme to your MaterialApp
• Verify google_fonts dependency is added
• Check internet connectivity for font downloads

Testing Deep Links

Android Testing

# Test payment success callback
adb shell am start -W -a android.intent.action.VIEW -d "phajay://payment?status=success&amount=100" com.yourapp.package

# Test payment failure callback  
adb shell am start -W -a android.intent.action.VIEW -d "phajay://payment?status=failed&error=timeout" com.yourapp.package

iOS Testing

Use Simulator's Device > Device > Safari, then enter: phajay://payment?status=success&amount=100

---

📋 Requirements

Minimum Requirements

• Flutter: 1.17.0 or higher
• Dart SDK: 3.9.0 or higher
• Android: API level 21 (Android 5.0) or higher
• iOS: iOS 12.0 or higher

Dependencies

The following dependencies are automatically included with flutter_phajay:

• http: ^1.5.0 - For HTTP requests to payment APIs
• qr_flutter: ^4.1.0 - For QR code generation
• socket_io_client: ^3.1.2 - For real-time payment status updates
• url_launcher: ^6.3.0 - For launching banking apps
• app_links: ^6.3.2 - For deep link handling
• flutter_inappwebview: ^6.0.0 - For credit card payment webviews
• google_fonts: ^6.1.0 - For Noto Sans Lao font rendering
• lottie: ^3.3.2 - For loading animations
• intl: ^0.20.2 - For number formatting

You don't need to add these manually - they will be installed automatically when you add flutter_phajay to your pubspec.yaml.

Permissions Summary

Android Required:

• android.permission.INTERNET - For payment API calls
• Deep link intent filter - For payment callbacks
• Package queries (optional) - For opening banking apps

iOS Required:

• CFBundleURLSchemes - For payment callbacks
• LSApplicationQueriesSchemes - For opening banking apps
• Network access - For payment API calls

---

🛠️ Notes

• Replace {YOUR_SECRET_KEY} with your actual secret key. To retrieve your secret key, please refer to the PhaJay Registration Documentation.
• Ensure that your app has the necessary permissions and configurations to connect to the payment gateway.
• For optimal Lao language support, apply PhajayTheme.lightTheme to your MaterialApp.
• The SDK automatically downloads and uses Noto Sans Lao font for proper Lao text rendering.
• All text styles in PhajayTheme can be customized using .copyWith() method.
• Refer to the official documentation for more advanced usage and customization options.

🎨 Best Practices

Font Usage

// ✅ Recommended: Use PhajayTheme for consistent Lao font styling
Text('ຍິນດີຕ້ອນຮັບ', style: PhajayTheme.heading1);

// ✅ Good: Apply theme globally (Noto Sans Lao automatically applied)
MaterialApp(
  theme: PhajayTheme.lightTheme,  // google_fonts automatically included
  home: MyHomePage(),
);

// ❌ Avoid: Manual font family specification
Text('ຍິນດີຕ້ອນຮັບ', style: TextStyle(fontFamily: 'NotoSansLao'));

// ❌ Avoid: Adding google_fonts dependency manually
// dependencies:
//   google_fonts: ^6.1.0  // Already included with flutter_phajay

Configuration

// ✅ Best: Configure environment early in main()
void main() {
  if (kDebugMode) {
    PhajayConfig.setBaseUrl('http://localhost:3000');
  } else {
    PhajayConfig.setBaseUrl('https://payment-gateway.phajay.co');
  }
  runApp(MyApp());
}

---

📞 Support

If you encounter any issues or have questions, feel free to reach out to the maintainers of this library.

---

📱 Additional iOS Configuration

iOS (Info.plist) — Allow Opening Bcel One and JDB Yes via Deep Link

Add the following configuration to your iOS ios/Runner/Info.plist file inside the top-level <dict>:

<!-- Required: URL scheme for PhaJay payment callbacks -->
<key>CFBundleURLTypes</key>
<array>
    <dict>
        <key>CFBundleURLName</key>
        <string>phajay.payment.callback</string>
        <key>CFBundleURLSchemes</key>
        <array>
            <string>phajay</string>
        </array>
    </dict>
</array>

<!-- Required: Allow opening banking apps via URL schemes -->
<key>LSApplicationQueriesSchemes</key>
<array>
    <string>jdbbank</string>
    <string>onepay</string>
    <string>trustpay</string>
    <!-- Add additional banking app schemes as needed -->
</array>

This configuration enables your app to:

1. Receive payment callbacks via the phajay:// URL scheme
2. Check if banking apps (BCEL One, JDB Yes) are installed
3. Open banking apps for payment processing

Additional Banking Apps: If you need to support additional banking apps, add their URL schemes to the LSApplicationQueriesSchemes array. Common schemes include:

• ldbbank:// - Lao Development Bank
• indochinabank:// - Indochina Bank
• Add others as provided by the respective banks