datatableService = $datatableService; $this->paymentRepo = $paymentRepo; $this->accountRepo = $accountRepo; } protected function getRepo() { return $this->paymentRepo; } public function createGateway($accountGateway) { $gateway = Omnipay::create($accountGateway->gateway->provider); $gateway->initialize((array) $accountGateway->getConfig()); if ($accountGateway->isGateway(GATEWAY_DWOLLA)) { if ($gateway->getSandbox() && isset($_ENV['DWOLLA_SANDBOX_KEY']) && isset($_ENV['DWOLLA_SANSBOX_SECRET'])) { $gateway->setKey($_ENV['DWOLLA_SANDBOX_KEY']); $gateway->setSecret($_ENV['DWOLLA_SANSBOX_SECRET']); } elseif (isset($_ENV['DWOLLA_KEY']) && isset($_ENV['DWOLLA_SECRET'])) { $gateway->setKey($_ENV['DWOLLA_KEY']); $gateway->setSecret($_ENV['DWOLLA_SECRET']); } } return $gateway; } public function getPaymentDetails($invitation, $accountGateway, $input = null) { $invoice = $invitation->invoice; $account = $invoice->account; $key = $invoice->account_id.'-'.$invoice->invoice_number; $currencyCode = $invoice->client->currency ? $invoice->client->currency->code : ($invoice->account->currency ? $invoice->account->currency->code : 'USD'); if ($input) { $data = self::convertInputForOmnipay($input); $data['email'] = $invitation->contact->email; Session::put($key, $data); } elseif (Session::get($key)) { $data = Session::get($key); } else { $data = $this->createDataForClient($invitation); } $card = !empty($data['number']) ? new CreditCard($data) : null; $data = [ 'amount' => $invoice->getRequestedAmount(), 'card' => $card, 'currency' => $currencyCode, 'returnUrl' => URL::to('complete'), 'cancelUrl' => $invitation->getLink(), 'description' => trans('texts.' . $invoice->getEntityType()) . " {$invoice->invoice_number}", 'transactionId' => $invoice->invoice_number, 'transactionType' => 'Purchase', ]; if ($accountGateway->isGateway(GATEWAY_PAYPAL_EXPRESS) || $accountGateway->isGateway(GATEWAY_PAYPAL_PRO)) { $data['ButtonSource'] = 'InvoiceNinja_SP'; }; if($input && $accountGateway->isGateway(GATEWAY_STRIPE)) { if (!empty($input['stripeToken'])) { $data['token'] = $input['stripeToken']; unset($details['card']); } elseif (!empty($input['plaidPublicToken'])) { $data['plaidPublicToken'] = $input['plaidPublicToken']; $data['plaidAccountId'] = $input['plaidAccountId']; unset($data['card']); } } return $data; } public function convertInputForOmnipay($input) { $data = [ 'firstName' => $input['first_name'], 'lastName' => $input['last_name'], 'number' => isset($input['card_number']) ? $input['card_number'] : null, 'expiryMonth' => isset($input['expiration_month']) ? $input['expiration_month'] : null, 'expiryYear' => isset($input['expiration_year']) ? $input['expiration_year'] : null, 'cvv' => isset($input['cvv']) ? $input['cvv'] : '', ]; if (isset($input['country_id'])) { $country = Country::find($input['country_id']); $data = array_merge($data, [ 'billingAddress1' => $input['address1'], 'billingAddress2' => $input['address2'], 'billingCity' => $input['city'], 'billingState' => $input['state'], 'billingPostcode' => $input['postal_code'], 'billingCountry' => $country->iso_3166_2, 'shippingAddress1' => $input['address1'], 'shippingAddress2' => $input['address2'], 'shippingCity' => $input['city'], 'shippingState' => $input['state'], 'shippingPostcode' => $input['postal_code'], 'shippingCountry' => $country->iso_3166_2 ]); } return $data; } public function createDataForClient($invitation) { $invoice = $invitation->invoice; $client = $invoice->client; $contact = $invitation->contact ?: $client->contacts()->first(); return [ 'email' => $contact->email, 'company' => $client->getDisplayName(), 'firstName' => $contact->first_name, 'lastName' => $contact->last_name, 'billingAddress1' => $client->address1, 'billingAddress2' => $client->address2, 'billingCity' => $client->city, 'billingPostcode' => $client->postal_code, 'billingState' => $client->state, 'billingCountry' => $client->country ? $client->country->iso_3166_2 : '', 'billingPhone' => $contact->phone, 'shippingAddress1' => $client->address1, 'shippingAddress2' => $client->address2, 'shippingCity' => $client->city, 'shippingPostcode' => $client->postal_code, 'shippingState' => $client->state, 'shippingCountry' => $client->country ? $client->country->iso_3166_2 : '', 'shippingPhone' => $contact->phone, ]; } public function getClientPaymentMethods($client) { $token = $client->getGatewayToken($accountGateway); if (!$token) { return null; } $gateway = $this->createGateway($accountGateway); $paymentMethods = array(); if ($accountGateway->gateway_id == GATEWAY_STRIPE) { $response = $gateway->fetchCustomer(array('customerReference' => $token))->send(); if (!$response->isSuccessful()) { return null; } $data = $response->getData(); $default_source = $data['default_source']; $sources = isset($data['sources']) ? $data['sources']['data'] : $data['cards']['data']; $paymentTypes = Cache::get('paymentTypes'); $currencies = Cache::get('currencies'); foreach ($sources as $source) { if ($source['object'] == 'bank_account') { $paymentMethods[] = array( 'id' => $source['id'], 'default' => $source['id'] == $default_source, 'type' => $paymentTypes->find(PAYMENT_TYPE_ACH), 'currency' => $currencies->where('code', strtoupper($source['currency']))->first(), 'last4' => $source['last4'], 'routing_number' => $source['routing_number'], 'bank_name' => $source['bank_name'], 'status' => $source['status'], ); } elseif ($source['object'] == 'card') { $paymentMethods[] = array( 'id' => $source['id'], 'default' => $source['id'] == $default_source, 'type' => $paymentTypes->find($this->parseCardType($source['brand'])), 'last4' => $source['last4'], 'expiration' => $source['exp_year'] . '-' . $source['exp_month'] . '-00', ); } } } elseif ($accountGateway->gateway_id == GATEWAY_BRAINTREE) { } return $paymentMethods; } public function verifyClientPaymentMethod($client, $sourceId, $amount1, $amount2) { $token = $client->getGatewayToken($accountGateway); if ($accountGateway->gateway_id != GATEWAY_STRIPE) { return 'Unsupported gateway'; } // Omnipay doesn't support verifying payment methods // Also, it doesn't want to urlencode without putting numbers inside the brackets return $this->makeStripeCall( $accountGateway, 'POST', 'customers/'.$token.'/sources/'.$sourceId.'/verify', 'amounts[]='.intval($amount1).'&amounts[]='.intval($amount2) ); } public function removeClientPaymentMethod($client, $sourceId) { $token = $client->getGatewayToken($accountGateway/* return parameter */); if (!$token) { return null; } $gateway = $this->createGateway($accountGateway); if ($accountGateway->gateway_id == GATEWAY_STRIPE) { $response = $gateway->deleteCard(array('customerReference' => $token, 'cardReference'=>$sourceId))->send(); if (!$response->isSuccessful()) { return $response->getMessage(); } } elseif ($accountGateway->gateway_id == GATEWAY_BRAINTREE) { } return true; } public function setClientDefaultPaymentMethod($client, $sourceId) { $token = $client->getGatewayToken($accountGateway/* return parameter */); if (!$token) { return null; } $gateway = $this->createGateway($accountGateway); if ($accountGateway->gateway_id == GATEWAY_STRIPE) { return $this->makeStripeCall( $accountGateway, 'POST', 'customers/'.$token, 'default_card='.$sourceId ); } elseif ($accountGateway->gateway_id == GATEWAY_BRAINTREE) { } return true; } public function createToken($gateway, $details, $accountGateway, $client, $contactId, &$customerReference = null) { $customerReference = $client->getGatewayToken(); if ($customerReference) { $details['customerReference'] = $customerReference; $customerResponse = $gateway->fetchCustomer(array('customerReference'=>$customerReference))->send(); if (!$customerResponse->isSuccessful()){ $customerReference = null; // The customer might not exist anymore } } if ($accountGateway->gateway->id == GATEWAY_STRIPE) { if (!empty($details['plaidPublicToken'])) { $plaidResult = $this->getPlaidToken($accountGateway, $details['plaidPublicToken'], $details['plaidAccountId']); if (is_string($plaidResult)) { $this->lastError = $plaidResult; return; } elseif (!$plaidResult) { $this->lastError = 'No token received from Plaid'; return; } unset($details['plaidPublicToken']); unset($details['plaidAccountId']); $details['token'] = $plaidResult['stripe_bank_account_token']; } $tokenResponse = $gateway->createCard($details)->send(); if ($tokenResponse->isSuccessful()) { $sourceReference = $tokenResponse->getCardReference(); if (!$customerReference) { $customerReference = $tokenResponse->getCustomerReference(); } if (!$sourceReference) { $responseData = $tokenResponse->getData(); if (!empty($responseData['object']) && ($responseData['object'] == 'bank_account' || $responseData['object'] == 'card')) { $sourceReference = $responseData['id']; } } if ($customerReference == $sourceReference) { // This customer was just created; find the card $data = $tokenResponse->getData(); if (!empty($data['default_source'])) { $sourceReference = $data['default_source']; } } } else { $data = $tokenResponse->getData(); if ($data && $data['error'] && $data['error']['type'] == 'invalid_request_error') { $this->lastError = $data['error']['message']; return; } } } elseif ($accountGateway->gateway->id == GATEWAY_BRAINTREE) { if (!$customerReference) { $tokenResponse = $gateway->createCustomer(array('customerData' => array()))->send(); if ($tokenResponse->isSuccessful()) { $customerReference = $tokenResponse->getCustomerData()->id; } } if ($customerReference) { $details['customerId'] = $customerReference; $tokenResponse = $gateway->createPaymentMethod($details)->send(); $sourceReference = $tokenResponse->getData()->paymentMethod->token; } } if ($customerReference) { $token = AccountGatewayToken::where('client_id', '=', $client->id) ->where('account_gateway_id', '=', $accountGateway->id)->first(); if (!$token) { $token = new AccountGatewayToken(); $token->account_id = $client->account->id; $token->contact_id = $contactId; $token->account_gateway_id = $accountGateway->id; $token->client_id = $client->id; } $token->token = $customerReference; $token->save(); } else { $this->lastError = $tokenResponse->getMessage(); } return $sourceReference; } public function getCheckoutComToken($invitation) { $token = false; $invoice = $invitation->invoice; $client = $invoice->client; $account = $invoice->account; $accountGateway = $account->getGatewayConfig(GATEWAY_CHECKOUT_COM); $gateway = $this->createGateway($accountGateway); $response = $gateway->purchase([ 'amount' => $invoice->getRequestedAmount(), 'currency' => $client->currency ? $client->currency->code : ($account->currency ? $account->currency->code : 'USD') ])->send(); if ($response->isRedirect()) { $token = $response->getTransactionReference(); } Session::set($invitation->id . 'payment_type', PAYMENT_TYPE_CREDIT_CARD); return $token; } public function getBraintreeClientToken($account) { $token = false; $accountGateway = $account->getGatewayConfig(GATEWAY_BRAINTREE); $gateway = $this->createGateway($accountGateway); $token = $gateway->clientToken()->send()->getToken(); return $token; } public function createPayment($invitation, $accountGateway, $ref, $payerId = null, $paymentDetails = null, $purchaseResponse = null) { $invoice = $invitation->invoice; $payment = Payment::createNew($invitation); $payment->invitation_id = $invitation->id; $payment->account_gateway_id = $accountGateway->id; $payment->invoice_id = $invoice->id; $payment->amount = $invoice->getRequestedAmount(); $payment->client_id = $invoice->client_id; $payment->contact_id = $invitation->contact_id; $payment->transaction_reference = $ref; $payment->payment_date = date_create()->format('Y-m-d'); if (!empty($paymentDetails['card'])) { $card = $paymentDetails['card']; $payment->last4 = substr($card->number, -4); $year = $card->expiryYear; if (strlen($year) == 2) { $year = '20' . $year; } $payment->expiration = $year . '-' . $card->expiryMonth . '-00'; $payment->payment_type_id = $this->detectCardType($card->number); } if ($accountGateway->gateway_id == GATEWAY_STRIPE) { $data = $purchaseResponse->getData(); $source = !empty($data['source'])?$data['source']:$data['card']; $payment->payment_status_id = $data['status'] == 'succeeded' ? PAYMENT_STATUS_COMPLETED : PAYMENT_STATUS_PENDING; if ($source) { $payment->last4 = $source['last4']; if ($source['object'] == 'bank_account') { $payment->routing_number = $source['routing_number']; $payment->payment_type_id = PAYMENT_TYPE_ACH; } else{ $payment->expiration = $source['exp_year'] . '-' . $source['exp_month'] . '-00'; $payment->payment_type_id = $this->parseCardType($source['brand']); } } } elseif ($accountGateway->gateway_id == GATEWAY_BRAINTREE) { $card = $purchaseResponse->getData()->transaction->creditCardDetails; $payment->last4 = $card->last4; $payment->expiration = $card->expirationYear . '-' . $card->expirationMonth . '-00'; $payment->payment_type_id = $this->parseCardType($card->cardType); } if ($payerId) { $payment->payer_id = $payerId; } $payment->save(); // enable pro plan for hosted users if ($invoice->account->account_key == NINJA_ACCOUNT_KEY) { foreach ($invoice->invoice_items as $invoice_item) { // Hacky, but invoices don't have meta fields to allow us to store this easily if (1 == preg_match('/^Plan - (.+) \((.+)\)$/', $invoice_item->product_key, $matches)) { $plan = strtolower($matches[1]); $term = strtolower($matches[2]); } elseif ($invoice_item->product_key == 'Pending Monthly') { $pending_monthly = true; } } if (!empty($plan)) { $account = Account::with('users')->find($invoice->client->public_id); if( $account->company->plan != $plan || DateTime::createFromFormat('Y-m-d', $account->company->plan_expires) >= date_create('-7 days') ) { // Either this is a different plan, or the subscription expired more than a week ago // Reset any grandfathering $account->company->plan_started = date_create()->format('Y-m-d'); } if ( $account->company->plan == $plan && $account->company->plan_term == $term && DateTime::createFromFormat('Y-m-d', $account->company->plan_expires) >= date_create() ) { // This is a renewal; mark it paid as of when this term expires $account->company->plan_paid = $account->company->plan_expires; } else { $account->company->plan_paid = date_create()->format('Y-m-d'); } $account->company->payment_id = $payment->id; $account->company->plan = $plan; $account->company->plan_term = $term; $account->company->plan_expires = DateTime::createFromFormat('Y-m-d', $account->company->plan_paid) ->modify($term == PLAN_TERM_MONTHLY ? '+1 month' : '+1 year')->format('Y-m-d'); if (!empty($pending_monthly)) { $account->company->pending_plan = $plan; $account->company->pending_term = PLAN_TERM_MONTHLY; } else { $account->company->pending_plan = null; $account->company->pending_term = null; } $account->company->save(); } } return $payment; } private function parseCardType($cardName) { $cardTypes = array( 'Visa' => PAYMENT_TYPE_VISA, 'American Express' => PAYMENT_TYPE_AMERICAN_EXPRESS, 'MasterCard' => PAYMENT_TYPE_MASTERCARD, 'Discover' => PAYMENT_TYPE_DISCOVER, 'JCB' => PAYMENT_TYPE_JCB, 'Diners Club' => PAYMENT_TYPE_DINERS, 'Carte Blanche' => PAYMENT_TYPE_CARTE_BLANCHE, 'China UnionPay' => PAYMENT_TYPE_UNIONPAY, 'Laser' => PAYMENT_TYPE_LASER, 'Maestro' => PAYMENT_TYPE_MAESTRO, 'Solo' => PAYMENT_TYPE_SOLO, 'Switch' => PAYMENT_TYPE_SWITCH ); if (!empty($cardTypes[$cardName])) { return $cardTypes[$cardName]; } else { return PAYMENT_TYPE_CREDIT_CARD_OTHER; } } private function detectCardType($number) { if (preg_match('/^3[47][0-9]{13}$/',$number)) { return PAYMENT_TYPE_AMERICAN_EXPRESS; } elseif (preg_match('/^3(?:0[0-5]|[68][0-9])[0-9]{11}$/',$number)) { return PAYMENT_TYPE_DINERS; } elseif (preg_match('/^6(?:011|5[0-9][0-9])[0-9]{12}$/',$number)) { return PAYMENT_TYPE_DISCOVER; } elseif (preg_match('/^(?:2131|1800|35\d{3})\d{11}$/',$number)) { return PAYMENT_TYPE_JCB; } elseif (preg_match('/^5[1-5][0-9]{14}$/',$number)) { return PAYMENT_TYPE_MASTERCARD; } elseif (preg_match('/^4[0-9]{12}(?:[0-9]{3})?$/',$number)) { return PAYMENT_TYPE_VISA; } return PAYMENT_TYPE_CREDIT_CARD_OTHER; } public function completePurchase($gateway, $accountGateway, $details, $token) { if ($accountGateway->isGateway(GATEWAY_MOLLIE)) { $details['transactionReference'] = $token; $response = $gateway->fetchTransaction($details)->send(); return $gateway->fetchTransaction($details)->send(); } else { return $gateway->completePurchase($details)->send(); } } public function autoBillInvoice($invoice) { $client = $invoice->client; $account = $invoice->account; $invitation = $invoice->invitations->first(); $accountGateway = $account->getTokenGateway(); $token = $client->getGatewayToken(); if (!$invitation || !$accountGateway || !$token) { return false; } // setup the gateway/payment info $gateway = $this->createGateway($accountGateway); $details = $this->getPaymentDetails($invitation, $accountGateway); $details['customerReference'] = $token; if ($accountGateway->gateway_id == GATEWAY_STRIPE) { $details['customerReference'] = $token; } elseif ($accountGateway->gateway_id == GATEWAY_BRAINTREE) { $details['customerId'] = $token; $customer = $gateway->findCustomer($token)->send(); $details['paymentMethodToken'] = $customer->getData()->paymentMethods[0]->token; } // submit purchase/get response $response = $gateway->purchase($details)->send(); if ($response->isSuccessful()) { $ref = $response->getTransactionReference(); return $this->createPayment($invitation, $accountGateway, $ref, null, $details, $response); } else { return false; } } public function getDatatable($clientPublicId, $search) { $query = $this->paymentRepo->find($clientPublicId, $search); if(!Utils::hasPermission('view_all')){ $query->where('payments.user_id', '=', Auth::user()->id); } return $this->createDatatable(ENTITY_PAYMENT, $query, !$clientPublicId, false, ['invoice_number', 'transaction_reference', 'payment_type', 'amount', 'payment_date']); } protected function getDatatableColumns($entityType, $hideClient) { return [ [ 'invoice_number', function ($model) { if(!Auth::user()->can('editByOwner', [ENTITY_INVOICE, $model->invoice_user_id])){ return $model->invoice_number; } return link_to("invoices/{$model->invoice_public_id}/edit", $model->invoice_number, ['class' => Utils::getEntityRowClass($model)])->toHtml(); } ], [ 'client_name', function ($model) { if(!Auth::user()->can('viewByOwner', [ENTITY_CLIENT, $model->client_user_id])){ return Utils::getClientDisplayName($model); } return $model->client_public_id ? link_to("clients/{$model->client_public_id}", Utils::getClientDisplayName($model))->toHtml() : ''; }, ! $hideClient ], [ 'transaction_reference', function ($model) { return $model->transaction_reference ? $model->transaction_reference : 'Manual entry'; } ], [ 'payment_type', function ($model) { return ($model->payment_type && !$model->last4) ? $model->payment_type : ($model->account_gateway_id ? $model->gateway_name : ''); } ], [ 'source', function ($model) { if (!$model->last4) return ''; $code = str_replace(' ', '', strtolower($model->payment_type)); $card_type = trans("texts.card_" . $code); if ($model->payment_type_id != PAYMENT_TYPE_ACH) { $expiration = trans('texts.card_expiration', array('expires' => Utils::fromSqlDate($model->expiration, false)->format('m/y'))); return '' . htmlentities($card_type) . '  •••' . $model->last4 . ' ' . $expiration; } else { $bankData = PaymentController::getBankData($model->routing_number); if (is_array($bankData)) { return $bankData['name'].'  •••' . $model->last4; } else { return '' . htmlentities($card_type) . '  •••' . $model->last4; } } } ], [ 'amount', function ($model) { return Utils::formatMoney($model->amount, $model->currency_id, $model->country_id); } ], [ 'payment_date', function ($model) { return Utils::dateToString($model->payment_date); } ], [ 'payment_status_name', function ($model) use ($entityType) { return self::getStatusLabel($entityType, $model); } ] ]; } protected function getDatatableActions($entityType) { return [ [ trans('texts.edit_payment'), function ($model) { return URL::to("payments/{$model->public_id}/edit"); }, function ($model) { return Auth::user()->can('editByOwner', [ENTITY_PAYMENT, $model->user_id]); } ], [ trans('texts.refund_payment'), function ($model) { $max_refund = number_format($model->amount - $model->refunded, 2); $formatted = Utils::formatMoney($max_refund, $model->currency_id, $model->country_id); $symbol = Utils::getFromCache($model->currency_id, 'currencies')->symbol; return "javascript:showRefundModal({$model->public_id}, '{$max_refund}', '{$formatted}', '{$symbol}')"; }, function ($model) { return Payment::canEditItem($model) && $model->payment_status_id != PAYMENT_STATUS_FAILED && $model->refunded < $model->amount && ( ($model->transaction_reference && in_array($model->gateway_id , static::$refundableGateways)) || $model->payment_type_id == PAYMENT_TYPE_CREDIT ); } ] ]; } public function bulk($ids, $action, $params = array()) { if ($action == 'refund') { if ( ! $ids ) { return 0; } $payments = $this->getRepo()->findByPublicIdsWithTrashed($ids); foreach ($payments as $payment) { if($payment->canEdit()){ if(!empty($params['amount'])) { $this->refund($payment, floatval($params['amount'])); } else { $this->refund($payment); } } } return count($payments); } else { return parent::bulk($ids, $action); } } private function getStatusLabel($entityType, $model) { $label = trans("texts.status_" . strtolower($model->payment_status_name)); $class = 'default'; switch ($model->payment_status_id) { case PAYMENT_STATUS_PENDING: $class = 'info'; break; case PAYMENT_STATUS_COMPLETED: $class = 'success'; break; case PAYMENT_STATUS_FAILED: $class = 'danger'; break; case PAYMENT_STATUS_PARTIALLY_REFUNDED: $label = trans('texts.status_partially_refunded_amount', [ 'amount' => Utils::formatMoney($model->refunded, $model->currency_id, $model->country_id), ]); $class = 'primary'; break; case PAYMENT_STATUS_REFUNDED: $class = 'default'; break; } return "

$label

"; } public function refund($payment, $amount = null) { if (!$amount) { $amount = $payment->amount; } $amount = min($amount, $payment->amount - $payment->refunded); if (!$amount) { return; } if ($payment->payment_type_id != PAYMENT_TYPE_CREDIT) { $accountGateway = $this->createGateway($payment->account_gateway); $refund = $accountGateway->refund(array( 'transactionReference' => $payment->transaction_reference, 'amount' => $amount, )); $response = $refund->send(); if ($response->isSuccessful()) { $payment->recordRefund($amount); } else { $this->error('Unknown', $response->getMessage(), $accountGateway); } } else { $payment->recordRefund($amount); } } public function makeStripeCall($accountGateway, $method, $url, $body = null) { $apiKey = $accountGateway->getConfig()->apiKey; if (!$apiKey) { return 'No API key set'; } try{ $options = [ 'headers' => ['content-type' => 'application/x-www-form-urlencoded'], 'auth' => [$accountGateway->getConfig()->apiKey,''], ]; if ($body) { $options['body'] = $body; } $response = (new \GuzzleHttp\Client(['base_uri'=>'https://api.stripe.com/v1/']))->request( $method, $url, $options ); return json_decode($response->getBody(), true); } catch (\GuzzleHttp\Exception\BadResponseException $e) { $response = $e->getResponse(); $body = json_decode($response->getBody(), true); if ($body && $body['error'] && $body['error']['type'] == 'invalid_request_error') { return $body['error']['message']; } return $e->getMessage(); } } private function getPlaidToken($accountGateway, $publicToken, $accountId) { $clientId = $accountGateway->getPlaidClientId(); $secret = $accountGateway->getPlaidSecret(); if (!$clientId) { return 'No client ID set'; } if (!$secret) { return 'No secret set'; } try{ $subdomain = $accountGateway->getPlaidEnvironment() == 'production' ? 'api' : 'tartan'; $response = (new \GuzzleHttp\Client(['base_uri'=>"https://{$subdomain}.plaid.com"]))->request( 'POST', 'exchange_token', [ 'allow_redirects' => false, 'headers' => ['content-type' => 'application/x-www-form-urlencoded'], 'body' => http_build_query(array( 'client_id' => $clientId, 'secret' => $secret, 'public_token' => $publicToken, 'account_id' => $accountId, )) ] ); return json_decode($response->getBody(), true); } catch (\GuzzleHttp\Exception\BadResponseException $e) { $response = $e->getResponse(); $body = json_decode($response->getBody(), true); if ($body && !empty($body['message'])) { return $body['message']; } return $e->getMessage(); } } }