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

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

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

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

DigiKash complete payment gateway digital wallet and fintech feature overview

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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DigiKash - Complete Payment Gateway & Crypto Digital Wallet