DEV Community: Samandar Tolibov The latest articles on DEV Community by Samandar Tolibov (@samdevxuz). https://dev.to/samdevxuz https://media2.dev.to/dynamic/image/width=90,height=90,fit=cover,gravity=auto,format=auto/https:%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Fuser%2Fprofile_image%2F3912601%2F66bef9ee-bec2-4483-87ee-a11c88d39944.png DEV Community: Samandar Tolibov https://dev.to/samdevxuz en Building a P2P Payment Gateway in Laravel without Merchant Licenses Samandar Tolibov Mon, 04 May 2026 18:06:48 +0000 https://dev.to/samdevxuz/building-a-p2p-payment-gateway-in-laravel-without-merchant-licenses-36ph https://dev.to/samdevxuz/building-a-p2p-payment-gateway-in-laravel-without-merchant-licenses-36ph <p>O'zbekistonda To'lovlarni Qabul qilish: Merchant litsenziyasiz, Bepul va Ochiq Kodli Yechim<br> Kichik biznes yoki startap boshlayotganingizda, to'lov tizimlarini (Click, Payme, Uzum) integratsiya qilish har doim bosh og'rig'i bo'lgan: STIR, bank shartnomalari, merchant litsenziyalar va yuqori komissiyalar. Ko'pincha, biznes endi oyoqqa turayotgan paytda, bu jarayonlar loyihani to'xtatib qo'yishi mumkin.</p> <p>Shu muammoga yechim sifatida men Algorix Pay – Laravel uchun open-source paketini yaratdim.</p> <p>Bu nima va u qanday ishlaydi?<br> Algorix Pay – bu Userbot-based P2P to'lov qabul qiluvchi kutubxona. U bank botlari (Click, Payme, Uzum) xabarlarini MTProto orqali o'qiydi, tahlil qiladi va Laravel Event sifatida sizning ilovangizga yuboradi.</p> <p>Nima uchun MTProto (Userbot)?<br> Telegram Bot API oddiy foydalanuvchilar yoki bank botlari o'rtasidagi yozishmalarni ko'ra olmaydi. Biznes shartnoma qilmagan hollarda, bank xabarlari shaxsiy akkauntingizga keladi. Algorix Pay esa aynan shu muammoni hal qiladi – u MadelineProto yordamida bank botlari bilan bog'lanadi va xabarlarni xuddi inson kabi "o'qiydi".</p> <p>Asosiy imkoniyatlar:<br> Zero Commission: Hech qanday vositachi yoki uchinchi tomon platformasiga pul to'lamaysiz. Barcha to'lovlar to'g'ridan-to'g'ri kartangizga tushadi.</p> <p>Event-Driven Architecture: Laravel'ning Event tizimiga to'liq integratsiya qilingan. PaymentReceived hodisasi orqali istalgan biznes mantiqni (buyurtmani tasdiqlash, foydalanuvchiga xabar yuborish) ishga tushirishingiz mumkin.</p> <p>Idempotency &amp; Dedup: Redis orqali takroriy xabarlarni filtrlash va xavfsiz ishlov berish tizimi mavjud.</p> <p>Extensible: O'z bank drayveringizni yozish bor-yo'g'i 5 daqiqa vaqt oladi.</p> <p>Qanday boshlash kerak?<br> Paketni o'rnatish juda oddiy:<br> </p> <div class="highlight js-code-highlight"> <pre class="highlight shell"><code>composer require samdevxuz/algorix-pay php artisan vendor:publish <span class="nt">--tag</span><span class="o">=</span>algorix-pay-config </code></pre> </div> <p>Sozlamalarni .env faylida kiritasiz va:<br> </p> <div class="highlight js-code-highlight"> <pre class="highlight shell"><code>php artisan pay:listen </code></pre> </div> <p>Bo'ldi! Endi sizning Laravel ilovangiz real vaqt rejimida to'lovlarni kuzatib boradi.<br> Algorix Pay kodlari ochiq, hamma uchun erkin. Uni o'z loyihalaringizda ishlating, o'zgartiring va takomillashtiring.</p> <p>GitHub havola: <a href="https://github.com/SamDevXuz/algorix-pay.git" rel="noopener noreferrer">https://github.com/SamDevXuz/algorix-pay.git</a></p> laravel opensource php showdev