2. PHP\u96c6\u6210\u4ee3\u7801\u793a\u4f8b<\/h3>\n<?php
\r\n\/\/ config.php - VNPay\u914d\u7f6e\u53c2\u6570
\r\n$vnp_Url = "https:\/\/sandbox.vnpayment.vn\/paymentv2\/vpcpay.html";
\r\n$vnp_Returnurl = "https:\/\/yourdomain.com\/return_url.php"; \/\/\u56de\u8c03URL
\r\n$vnp_TmnCode = "YOUR_MERCHANT_CODE"; \/\/\u5546\u6237\u53f7
\r\n$secretKey = "YOUR_SECRET_KEY"; \/\/\u5b89\u5168\u5bc6\u94a5
\r\n
\r\n\/\/ vnpay_create_payment.php -\u521b\u5efa\u4ed8\u6b3e\u8bf7\u6c42
\r\nfunction createVNPayPayment($orderId, $amount, $orderInfo) {
\r\n global $vnp_Url, $vnp_Returnurl, $vnp_TmnCode, $secretKey;
\r\n
\r\n date_default_timezone_set('Asia\/Ho_Chi_Minh');
\r\n
\r\n \/\/\u51c6\u5907\u53c2\u6570\u6570\u7ec4
\r\n $inputData = array(
\r\n "version" => "2",
\r\n "command" => "pay",
\r\n 'merchant' => 'VNPAY',
\r\n 'tmn_code' => trim($tmnCode),
\r\n 'create_date' => date('YmdHis'),
\r\n 'expire_date' => date('YmdHis', strtotime('+15 minutes')),
\r\n
\r\n \/\/\u8ba2\u5355\u4fe1\u606f
\r\n 'order_id' => time(),
\r\n
\r\n \/\/\u91d1\u989d(\u5355\u4f4d\u4e3aVND)
\r\n 'amount'=> intval(str_replace(',','',$amount))*100,
\r\n
\r\n \/\/\u8ba2\u5355\u63cf\u8ff0
\r\n 'order_desc'=> urlencode($orderInfo),
\r\n
\r\n return_url=> urlencode($return_url),
\r\n
\r\n ip_address=> $_SERVER['REMOTE_ADDR'],
\r\n
\r\n currency=>"VND",
\r\n
\r\n locale=> ($lang == "") ? vn : en,
\r\n
\r\n bank_code=> "",
\r\n );
\r\n
\r\n ksort($inputData);
\r\n
\r\n query="";
\r\n foreach ($inputData as key value){
\r\n if(substr(key0)=="_") continue;
\r\n if(!empty(query)) query.= &".key."=".$value; else query=key."=".$value;}
\r\n
\r\n secureHash=hash("sha256", secret_key.query);
\r\n
\r\n inputData["secure_hash"]=$secureHash;
\r\n
\r\n paymentUrl=vpn_URL ."?".http_build_query(input_data);
\r\n
\r\n header("Location: ".payment_url); exit();}
\r\n<\/code><\/pre>\nMomo Wallet\u96c6\u6210\u793a\u4f8b<\/h2>\n<?php
\r\n\/\/ momo_config.php
\r\ndefine(\"PARTNER_CODE\", \"\");\/\/Your partner code from MoMo\");
\r\ndefine(\"ACCESS_KEY\",\"\"); \/\/\/Your access key from MoMo\");
\r\ndefine(\"SECRET_KEY\",\"\"); \/\/\/Your secret key from MoMo\");
\r\n
\r\nfunction execPostRequest(url data){
\r\n ch curl_init();
\r\n curl_setopt(ch CURLOPT_URL url);
\r\n curl_setopt(ch CURLOPT_POST true);
\r\n curl_setopt(ch CURLOPT_POSTFIELDS data);
\r\n curl_setopt(ch CURLOPT_USERAGENT $_SERVER['HTTP_USER_AGENT']);
\r\n curl_setopt(ch CURLOPT_RETURNTRANSFER true);
\r\n
\r\n result=curl_exec ch );curl_close ch ); return result;}
\r\n
\r\n function createMomoPayment(orderId amount orderInfo callbackUrl redirectUrl){
\r\n endpoint =\"https:\/\/test-payment.momo.vn\/gw_payment\/transactionProcessor\";
\r\n
\r\n requestId time().\"\";\/\/unique id for each request
\r\n
\r\n rawHash =\"partnerCode=\" PARTNER CODE.
\r\n &accessKey ACCESS KEY.
\r\n &requestId request Id.
\r\n &amount amount.
\r\n &orderId order Id .
\r\n order info .
\r\n return Url callback Url .
\r\n notify Url callback Url .extra Data \"\";
\r\n
\r\n signature hash hmac sha256 raw Hash SECRET KEY));
\r\n data array(
\r\n partner Code PARTNER CODE ,
\r\n access Key ACCESS KEY ,
\r\n request Id request Id ,
\r\n amount amount ,
\r\n order Id order ID ,
\r\n
\r\n Order Info urldecode(order Info ),
\r\n
\r\n Return URL redirect URL ,
\r\n
\r\n Notify URL call back URl ,
\r\n
\r\n extra Data \"\",
\r\n
\r\n Request Type capture MO wallet \",
\r\n
\r\n Signature signature ) ;
\r\n
\r\nJSON encode(data));
\r\n
\r\nresponse exec Post Request(endpoint json encodedata));
\r\n
\r\njson decode(response true);
\r\n
\r\n
\r\nif isset(result pay UrL )) header Location result pay UrL ]); else echo Error creating payment ;}?>
\r\n<\/code><\/pre>\nZalo Pay\u96c6\u6210\u793a\u4f8b\uff08\u7c7b\u4f3c\u7ed3\u6784\uff09<\/h2>\n
\r\nclass ZalopayHelper {
\r\n
\r\nconst APP_ID your app id ;
\r\nconst KEY1 your key1 ;
\r\nconst EMBED DATA [\" merchantinfo\"=> embeddata json encode([\" merchant name\"=> Your Store Name ])];
\r\n
\r\npublic static function CreateOrder( string description long price string callback url ){
\r\ndate default timezone set Asia Ho Chi Minh );
\r\n
\r\ntimestamp round(microtime(true)*1000);
\r\n
\r\nparams [
\r\nappid self APP ID,
\r\napptransid date(Ymd)._. timestamp,# format yyMMdd timestamp e.g21092740765200
\r\n
\r\n appuser Zalo Pay Demo m desc description,
\r\n
\r\n amoun tprice ,
\r\n
\r\n item JSON encode([]),
\r\n
\r\n bankcode zalopayapp ,
\r\n
\r\ncallbackurl call back ur l ];
\r\n
\r\nMac=self Compute Mac(params);
\r\n
\r\nparams[ mac]=Mac;
\r\n
\r\nresponse Http Helper post https sb openapi zalopay vn \/vp\/create params );
\r\n
\r\nreturn json decode response body ) ;
\r\n
\r\n}
\r\n
\r\nprivate static function Compute Mac(array params ):string {
\r\n
\r\norderedParams [];
\r\n
\r\nforeach ([ appid , apptransid , appuser amoun t apptime emb edda ta item ]as param){
\r\n
\r\nif isset params param]) ordered Params[]=$param.'='.$params[$param];}
\r\n
\r\nmessage implode(& ordered Params );
\r\n
\r\nreturn hash hmac sha256 message self::KEY one false );}}
\r\n<\/code><\/pre>\nOne Pay\u56fd\u9645\u5361\u5904\u7406\uff08\u9002\u7528\u4e8e\u4fe1\u7528\u5361\uff09<\/h2>\n
\r\nclass One PayInternational {
\r\n
\r\nprivate static endpoint sandbox onep ay international com api\/v two \/processor ;
\r\n
\r\npublic static process Payment card Number expiry Month expiry Year cv vAmount currency Description ){
\r\ndate default timezone set Asia Ho Chi Minh );
\r\nnonce bin hex random bytes sixteen ));
\r\n
\r\npost Fields [
\r\nnumber card Number ],
\r\nexp month expiry Month ],
\r\nexp year expiry Year ],cvv cv v],
\r\ncurrency str toupper currency ),
\r\namoun tround float val Amount *100 ),# in cents\/pence\/etc.
\r\n
\r\ndescription substr Description fifty ),
\r\nthree DSecure false ];
\r\n
\r\njson payload json encode post fields base sixty four encode nonce.json payload));
\r\n
\r\nsignature base sixty four encode hash hmac sha two five six nonce.payload YOUR API SECRE Ttrue));
\r\n
\r\nheaders [
\r\n
\r\nContent Type application\/json',
\r\n
\r\nAuthorization Bearer.YOUR API TOKEN ,
\r\n
\r\nSignature.signature ];
\r\n
\r\nch init();
\r\n
\r\nset opt ch,CUR LOP TSSL VERIFYPEERfalse);
\r\n
\r\nset opt ch,CUR LOP THEADE R headers );
\r\n
\r\nset optch CUR LOP POSTtrue);
\r\n
\r\nset optch CUR LOP POS TFIELDS payload );
\r\n
\r\nset optch CUR LOP RET UR NTR ANSFE Rtrue);
\r\n
\r\n
\r\nexec curlexe cch close (ch return response ;}}
\r\n
\r\n?>\"
\r\n<\/code><\/pre>\n\u91cd\u8981\u63d0\u793a\uff1a<\/p>\n
\u6240\u6709\u4e0a\u8ff0\u4ee3\u7801\u4ec5\u4e3a\u57fa\u672c\u6846\u67b6\uff0c\u5b9e\u9645\u5b9e\u73b0\u65f6\u9700\u6ce8\u610f\uff1a
\n\u5b89\u5168\u6027\u63aa\u65bd\u5982\u8f93\u5165\u9a8c\u8bc1\u3001\u9519\u8bef\u5904\u7406\u548c\u65e5\u5fd7\u8bb0\u5f55\u5fc5\u987b\u5230\u4f4d\u3002
\n\u751f\u4ea7\u73af\u5883\u5e94\u4f7f\u7528HTTPS\u5e76\u5b58\u50a8\u654f\u611f\u6570\u636e\u5728\u5b89\u5168\u4f4d\u7f6e\u3002
\n\u6839\u636e\u6700\u65b0API\u6587\u6863\u8c03\u6574\u53c2\u6570\u540d\u79f0\u548c\u503c\u683c\u5f0f\u3002<\/p>\n
\u5efa\u8bae\u5148\u5728\u5404\u652f\u4ed8\u7684\u6c99\u76d2\u73af\u5883\u4e2d\u6d4b\u8bd5\u60a8\u7684\u5b9e\u73b0\u3002<\/p>\n
\u7ee7\u7eedPHP\u63a5\u5165\u8d8a\u5357\u652f\u4ed8\u7f51\u5173\u7684\u8be6\u7ec6\u6307\u5357<\/h1>\n
\u4e0b\u9762\u6211\u5c06\u66f4\u6df1\u5165\u5730\u4ecb\u7ecd\u5982\u4f55\u5b8c\u5584\u652f\u4ed8\u96c6\u6210\uff0c\u5305\u62ec\u56de\u8c03\u5904\u7406\u3001\u5b89\u5168\u63aa\u65bd\u548c\u5e38\u89c1\u95ee\u9898\u7684\u89e3\u51b3\u65b9\u6848\u3002<\/p>\n
1. VNPay\u56de\u8c03\u5904\u7406\u5b9e\u73b0<\/h2>\n
\u5f53\u7528\u6237\u5b8c\u6210\u652f\u4ed8\u540e\uff0cVNPay\u4f1a\u901a\u8fc7\u4e24\u79cd\u65b9\u5f0f\u901a\u77e5\u4f60\u7684\u7cfb\u7edf\uff1a<\/p>\n
\n- \u6d4f\u89c8\u5668\u91cd\u5b9a\u5411<\/strong>\uff08return_url\uff09<\/li>\n
- \u670d\u52a1\u5668\u5f02\u6b65\u901a\u77e5<\/strong>\uff08IPN \u2013 Instant Payment Notification\uff09<\/li>\n<\/ul>\n
return_url.php\u793a\u4f8b\u4ee3\u7801<\/h3>\n<?php
\r\n\/\/ config.php
\r\nrequire_once('config.php');
\r\n
\r\n\/\/ \u83b7\u53d6\u6240\u6709GET\u53c2\u6570
\r\n$vnp_Params = $_GET;
\r\n$secureHash = $vnp_Params['vnp_SecureHash'];
\r\nunset($vnp_Params['vnp_SecureHash']);
\r\n
\r\n\/\/ \u6309\u5b57\u6bcd\u987a\u5e8f\u6392\u5e8f\u53c2\u6570
\r\nksort($vnp_Params);
\r\n
\r\n\/\/ \u751f\u6210\u9a8c\u8bc1\u7528\u7684hash\u503c
\r\n$hashData = \"\";
\r\nforeach ($vnp_Params as $key => $value) {
\r\n if (substr($key, 0, 4) == \"vnp_\") {
\r\n $hashData .= urlencode($key) . \"=\" . urlencode($value) . \"&\";
\r\n }
\r\n}
\r\n$hashData = rtrim($hashData, '&');
\r\n
\r\n$secureSecret = $secretKey; \/\/ from config.php
\r\n$mySecureHash = hash_hmac('sha512', $hashData, $secureSecret);
\r\n
\r\nif ($mySecureHash === $secureHash) {
\r\n if ($_GET['vnP_ResponseCode'] == '00') {
\r\n \/\/ \u4ed8\u6b3e\u6210\u529f\u903b\u8f91
\r\n
\r\n \/*
\r\n * TODO:
\r\n * - \u66f4\u65b0\u8ba2\u5355\u72b6\u6001\u4e3a\u5df2\u4ed8\u6b3e
\r\n * - \u8bb0\u5f55\u4ea4\u6613\u4fe1\u606f\u5230\u6570\u636e\u5e93
\r\n * - vnP_TxnRef\u662f\u60a8\u7684\u8ba2\u5355ID(\u60a8\u6700\u521d\u4f20\u7ed9VNPay\u7684)
\r\n *\/
\r\n
\r\n echo \"Payment Success for order: \".$_GET['vnP_TxnRef'];
\r\n } else {
\r\n \/\/ Payment failed or cancelled by user
\r\n
\r\n \/*
\r\n * TODO:
\r\n * - Update order status to failed\/cancelled in your database
\r\n *\/
\r\n
\r\n echo \"Payment Failed\/Cancelled\";
\r\n }
\r\n} else {
\r\n die(\"Invalid signature\");
\r\n}
\r\n<\/code><\/pre>\nIPN\u5904\u7406\u811a\u672c (ipn_listener.php)<\/h3>\n<?php
\r\nrequire_once('config.php');
\r\n
\r\nfile put contents ('ipn log.txt', print r($_POST true).\"\\n\", FILE APPEND );
\r\n
\r\nif (!empty($_POST)) {
\r\n input Data=$ POST;
\r\n secure Hash=input Data ['vn p Secure Hash'];
\r\n unset(input Data ['vn p Secure Hash']);
\r\n
\r\n ksort(input Data);
\r\n
\r\n i=0;
\r\n
\r\n hash Data=\"\";
\r\n
\r\nforeach (input Data as key value){
\r\n if substr(key04)==\"vn p\"){
\r\n if strlen(hash Dat a)>0){
\r\n hash Dat a.='&'.url encode(key).'='.url encode(value);
\r\n }else{
\r\n hash Dat a.=url encode(key).'='.url encode(value);
\r\n }
\r\n }
\r\n}
\r\n
\r\ncheck Sum=hash hmac sha512(h ash Da ta secret Key );
\r\n
\r\nif check Sum== secure Has h){
\r\n transaction Id=input Da ta ['vp Txn Ref'];
\r\n response Code=input Da ta ['vp Response Co de'];
\r\n
\r\n \/* TODO:
\r\n 1 Validate the amount matches your expected amount
\r\n 2 Check this is not duplicate notification
\r\n 3 Update your database accordingly *\/
\r\n
\r\n switch(response Co de){ case\"00\": \/* SUCCESS *\/ break ; default : \/* FAILURE *\/ break ; }}else{ http response code(403);\/\/Forbidden exit();}?>
\r\n<\/code><\/pre>\nMoMo\u94b1\u5305\u9ad8\u7ea7\u96c6\u6210\u6280\u5de7<\/h2>\nWebhook\u9a8c\u8bc1\u793a\u4f8b<\/h3>\n
\r\nfunction verify MomoWeb hook(Request request ){
\r\n partner Code request input('partner Code');
\r\n access Key request input('access Key');
\r\n request Id time().\"\";\/\/should match original
\r\n order Id request input('orderId');
\r\n
\r\namount req uest->input amoun t));
\r\norder Info urldecode(req uest->input desc )));
\r\nresponse Time req uest->input resp onse Time )));
\r\nmessage req uest->input mes sage )));
\r\ntrans Id req uest->input transId )));
\r\nerror Cod e re quest ->in put errorCode )) ? :0;
\r\n
\r\nextra D ata \"\";\/\/custom data you passed initially now returned back unchanged
\r\nraw H ash =\"partnerCode={ partnerCo de}&accessKey={ accessKe y}&requestId={ reques tI d}&amount={ amo unt}&orderId={ ord erI d}\".\"&orderInfo={ orde rIn fo}&responseTime={ res pon seT ime}{ ext raD ata}\";
\r\n
\r\nsignatureFromMomo=req est >i nput sig nature );
\r\n
\r\nourSignature=ha sh hm ac sha256 rawH ash SECRET KEY );
\r\n
\r\nif our Signature!= signature From Momo || errorC ode !=0){
\r\nlog info (\"Invalid MoMo webhook received\".json encodereq est all()));
\r\nabort(400,\"Bad Request\");}
\r\n
\r\n\/* Process successful payment here *\/
\r\n
\r\nreturn response json success truemessage OK ]200 headers Content Type application\/json ];}
\r\n<\/code><\/pre>\nZalo Pay\u9000\u6b3e\u6d41\u7a0b\u5b9e\u73b0<\/h2>\n
\r\nclass ZalopayService{
\r\n
\r\nconst REFUND ENDPOINT https sb openapi zalopay vn \/vp\/refund ;
\r\n
\r\npublic static function process Refund(string zp Trans Token long refund Amount string description ){
\r\ntimestamp round microtime true)*1000 );
\r\n
\r\nparams [
\r\nappid self APP ID,
\r\nzptransid zpTransToken ,
\r\namoun t refundAmount ,
\r\ndescription substr description fifty ),
\r\ntimestamp timestamp ];
\r\n
\r\nMac=self Compute Mac params );
\r\n
\r\nparams mac]=Mac;
\r\n
\r\nresponse Http Helper post self REFUND ENDPOINT params );
\r\n
\r\nresult json decode response body true );
\r\n
\r\nif isset result return code])&& result return code]==1){
\r\n\/*
\r\nTODO:
\r\nUpdate your database to reflect refund status*\/
\r\nreturn true;}else{
\r\nLog error ("ZaloPay refund failed".print r(resulttrue));
\r\nthrow new Exception Failed to process refund with Zalo Pay.);}}
\r\n<\/code><\/pre>\nOne Pay\u56fd\u9645\u5361\u652f\u4ed8\u76843D Secure\u96c6\u6210<\/h2>\n
\u5bf9\u4e8e\u9700\u89813D\u8ba4\u8bc1\u7684\u4ea4\u6613\uff1a<\/p>\n
\r\nclass ThreeDSecureHandler {
\r\n
\r\npublic static function initiateThreeDSecure(array card Details float amount string currency ){
\r\none pay Client new One PayInternational();
\r\n
\r\nauth Response one pay Client create Auth Request card Details amount currency three DSEnabled=>true]);
\r\n
\r\nthree Ds Method Url auth Response three ds method url ??null;
\r\n
\r\nthree Ds Server Trans ID auth Response three ds server trans id ??null;
\r\n
\r\nsession put current payment session [ ...cardDetails ,... authResponse ]);
\r\n
\r\nredirect Url route checkout.threeds challenge name ]);
\r\n
\r\nreturn view checkout.threeds initiate compact redirectUrl threeDsMethodUrl threeDsServerTransId amount currency cardDetails lastFour digits]));
\r\n
\r\n}
\r\n
\r\npublic static function handle Challenge Completion(Request req ){
\r\nsession Get current payment session ;
\r\n
\r\none pay Client new OnePayInternational();
\r\n
\r\nfinalize Result one payClient complete Three DS Auth session get threeds server trans id ],req all());
\r\n
\r\n\/* Verify MAC\/signature etc.*\/
\r\n
\r\nswitch finalize Result status]){
\r\ncase succeeded :
\r\nOrder Service mark Paid session get order id ]);
\r\nbreak;
\r\ndefault:
\r\nOrder Service mark Failed(session get order id ]);
\r\nthrow new PaymentFailedException();
\r\n}}}
\r\n<\/code><\/pre>\nSecurity Best Practices\u5b89\u5168\u6700\u4f73\u5b9e\u8df5<\/h2>\nEssential Security Measures:<\/h3>\n
1.Always validate callbacks<\/strong>: Never trust incoming requests without verifying signatures.<\/p>\n2.Use HTTPS everywhere<\/strong>: Especially for callback URLs and when transmitting sensitive data.<\/p>\n3.Implement CSRF protection<\/strong>: On pages initiating payments.<\/p>\n4.Sanitize all inputs<\/strong>: Prevent XSS\/SQL injection attacks.<\/p>\n5.Log important events<\/strong>: But don\u2019t log full card details or sensitive tokens.<\/p>\n6.Store minimal data<\/strong>: Don\u2019t store PAN\/CVV after processing completes successfully.<\/p>\n7.Use up-to-date TLS versions(v1.2+).<\/p>\n
8.Regularly rotate API keys\/secrets especially after staff changes .<\/p>\n
9.Monitor for suspicious activity like multiple failed attempts .<\/p>\n
10.Keep PHP and dependencies patched against known vulnerabilities .<\/p>\n
Troubleshooting Common Issues\u5e38\u89c1\u95ee\u9898\u6392\u67e5<\/h2>\n
\n\n\n| Issue\u73b0\u8c61<\/th>\n | Possible Causes\u53ef\u80fd\u539f\u56e0<\/th>\n | Solutions\u89e3\u51b3\u65b9\u6848<\/th>\n<\/tr>\n<\/thead>\n |
\n\n| Invalid\/Missing Signature\u7b7e\u540d\u9519\u8bef<\/td>\n | Wrong hashing algorithm\u7b97\u6cd5\u4e0d\u4e00\u81f4
Parameter ordering issue\u53c2\u6570\u987a\u5e8f\u9519\u8bef
Encoding problem\u7f16\u7801\u95ee\u9898<\/td>\n | Double-check gateway docs\u6587\u6863\u786e\u8ba4
Ensure exact same parameter ordering\u4e25\u683c\u6309\u5b57\u6bcd\u5e8f
Test with their sample values\u4f7f\u7528\u6d4b\u8bd5\u6570\u636e\u9a8c\u8bc1<\/td>\n<\/tr>\n |
\n| Callbacks not received\u672a\u6536\u5230\u56de\u8c03<\/td>\n | Firewall blocking\u9632\u706b\u5899\u62e6\u622a
URL incorrect\u5730\u5740\u9519\u8bef
Temporary gateway outage\u670d\u52a1\u6682\u65f6\u4e0d\u53ef\u7528<\/td>\n | Whitelist gateway IPs\u767d\u540d\u5355\u8bbe\u7f6e
Verify URL in merchant dashboard\u5546\u6237\u540e\u53f0\u68c0\u67e5
Contact support\u8054\u7cfb\u652f\u6301\u56e2\u961f<\/td>\n<\/tr>\n |
\n| Payments stuck pending\u72b6\u6001\u4e00\u76f4\u5f85\u5904\u7406<\/td>\n | Asynchronous processing\u5ef6\u8fdf\u5904\u7406
Settlement batch timing\u7ed3\u7b97\u6279\u6b21\u65f6\u95f4\u5dee
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