composer require ipagos/ipagos-php

<?php
require 'vendor/autoload.php';

use IPagos\Client;

$ipagos = new Client(
    secretKey: getenv('IPAGOS_SECRET_KEY'),
    apiVersion: '2026-01-15',
    maxRetries: 3,
);

<?php
$payment = $ipagos->payments->create([
    'amount'      => 25000,
    'currency'    => 'MXN',
    'source'      => 'tok_visa_4242',
    'description' => 'Pedido #1042',
    'metadata'    => ['order_id' => '1042'],
], [
    'idempotency_key' => bin2hex(random_bytes(16)),
]);

echo $payment->id, ' ', $payment->status;

<?php
// config/services.php
'ipagos' => [
    'key'    => env('IPAGOS_SECRET_KEY'),
    'webhook'=> env('IPAGOS_WEBHOOK_SECRET'),
],

// app/Providers/AppServiceProvider.php
$this->app->singleton(IPagos\Client::class, fn () =>
    new IPagos\Client(config('services.ipagos.key'))
);

// app/Http/Controllers/CheckoutController.php
public function pay(Request $request, IPagos\Client $ipagos)
{
    $payment = $ipagos->payments->create([
        'amount'   => $request->integer('amount'),
        'currency' => 'MXN',
        'source'   => $request->string('token'),
    ]);

    return response()->json($payment);
}

<?php
use IPagos\Exceptions\CardException;
use IPagos\Exceptions\RateLimitException;
use IPagos\Exceptions\ApiException;

try {
    $payment = $ipagos->payments->create([...]);
} catch (CardException $e) {
    // El banco rechazó la tarjeta — mostrar al usuario.
    return back()->withErrors(['card' => $e->getMessage()]);
} catch (RateLimitException $e) {
    // Esperar y reintentar.
    sleep($e->retryAfter);
} catch (ApiException $e) {
    // Falla genérica — log + retry asíncrono.
    Log::error('iPagos', ['id' => $e->requestId, 'msg' => $e->getMessage()]);
}