generateMessageReference('STK'); $phone = $this->normalizePhone($paymentData['phone'] ?? ''); $amount = (float) $paymentData['amount'] ?? 0; $narration = $paymentData['narration'] ?? ''; if ($amount <= 0) { throw new \App\Exceptions\CoopBankException('Amount must be greater than 0', 'invalid_amount'); } if (!$this->isValidPhone($phone)) { throw new \App\Exceptions\CoopBankException('Invalid phone number format', 'invalid_phone'); } $bankNarration = substr($narration, 0, 25); $internalRef = $paymentData['internal_reference'] ?? Uuid::v4(); $payload = [ 'MessageReference' => $messageReference, 'CallbackUrl' => config('coop_bank.callback_base_url') . '/stk', 'OperatorCode' => config('coop_bank.operator_code'), 'TransactionCurrency' => 'KES', 'MobileNumber' => $phone, 'Narration' => $bankNarration, 'Amount' => (string) $amount, 'MessageDateTime' => gmdate('Y-m-d\T\N˝K \]Z[OˆӘ[YIO \I ՘[YIO USTIKKN‚ [ٙ\XܙH[ٙ\\]Y\ܙX]Jˆ Y O]ZY K Y\YWܙY\[IO Y\YTY\[K [ٙ\\IO  ]\O XZ]Y  \[][ۗX[ O ۙK [[[ O [[[  \[IO T ۘ\][ۗ[\[ O \][ۋ ۘ\][ؘۗ[O [Ә\][ۋ [\[ܙY\[IO [\[Y [\[XIO ^[Y[ܙXܙ ܙ\]Y\^[Y Oۗ[J ^[Y K ܙX]Y] O K \]Y] O KJN‚Y I\O\ۙY\Y JHˆ]\ˆ X\OYK ]\O \[ Y\YWܙY\[IO Y\YTY\[K X]ܙ\]Y\Y O SI Y\YTY\[K [ٙ\Y O [ٙ\Xܙ OY  Y\YIO \[]X]Y [[JINˆB \ۜHH \OY[ O\]Y\   ѕ K  ^[Y Nˆ HH \ۜV؛IN‚Y \ۜVX\JHˆ X]\]Y\YH VX]\]Y\Q H Vܙ\ۜIVX]\]Y\Q H[‚[ٙ\\]Y\\J Y  [ٙ\Xܙ OY KO\]Jˆ ]\O \[ \]Y] O KJN‚[ٙ\\ۜNܙX]Jˆ Y ]ZY K [ٙ\ܙ\]Y\Y O [ٙ\Xܙ OY  Y\YWܙY\[IO Y\YTY\[K [X[ۗY O X]\]Y\Y  ]\O SS ܙ\ۜW^[Y Oۗ[J JK ܙXZ]Y] O KJN‚]\ˆ X\OYK ]\O \[ Y\YWܙY\[IO Y\YTY\[K X]ܙ\]Y\Y O X]\]Y\Y  [ٙ\Y O [ٙ\Xܙ OY  ؘ[ܙ\ۜIO KNˆB[ٙ\\]Y\\J Y  [ٙ\Xܙ OY KO\]Jˆ ]\O ٘Z[Y  \ܗY\YIO VY\YQ\ܚ\[ۉH \Z[Y  \]Y] O KJN‚]\^\[ۜ[^\[ۊ VY\YQ\ܚ\[ۉH \Z[Y  \܉ VY\YPIH[ YB NˆBXY[[ۈ\ۙY\Y Nˆ ^HHۙY ؘ[˘ۜ[Y\^INˆ Xܙ]HۙY ؘ[˘ۜ[Y\Xܙ] Nˆ]\Y[\J ^JH Y[\J Xܙ] H ۙY ؘ[˙[XYWܙX[[[JNˆBXY[[ۈ[\]SY\YTY\[J[ Y^ N[ˆˆ [Y\[\HY]JY\Nˆ [HHY [H[W[ NNNJK  QQ Nˆ]\X Y^ [Y\[\ [K  NˆBXY[[ۈܛX[^TۙJ[ ۙJN[ˆˆ Y]HYܙ\XJ    ۙJN‚Y  Y] ̍M HOOH Hˆ]\ Y]ˆBY  Y] HOOH Hˆ]\ ̍M X Y] JNˆB]\ Y]ˆBXY[[ۈܛX[^Qܔ[ ۙJN[ˆˆ Y]HYܙ\XJ    ۙJNˆY  Y] ̍M HOOH Hˆ]\X Y] NˆBY  Y] HOOH Hˆ]\X Y] JNˆB]\ Y]ˆBXY[[ۈ\՘[YۙJ[ ۙJNˆ Y]HYܙ\XJ    ۙJNˆ]\[ Y]HOOH L  Y] ̍M HOOH ˆBB