Ukrainian online stores lose revenue at checkout when payment options are limited. Adding Monobank Acquiring to a Laravel-powered store gives customers a trusted, familiar payment method — and measurably reduces cart abandonment.
Monobank's merchant API supports one-time payments, Apple Pay, Google Pay, and instant payment confirmation via webhooks. Laravel's Http facade and event system make the integration clean, testable, and maintainable from day one.
What the integration delivers
- Customers complete payment in under 30 seconds using their Monobank card, Apple Pay, or Google Pay
- Webhooks update order status in real time — no manual verification required
- Failed payments trigger automatic retry logic via Laravel queues
- Receipts are generated and delivered via Laravel Notifications
The implementation path
- Register a merchant account at Monobank Business and generate your API token
- Store the token in Laravel's
.envand access it via a dedicated config file - Build a
MonobankServiceclass that wraps the/api/merchant/invoice/createendpoint - Handle webhook events in a dedicated Laravel controller with HMAC signature verification
- Connect order status transitions to your existing Eloquent models
A note on security
Every webhook from Monobank carries an X-Sign header — a base64-encoded RSA signature of the request body. Verify this signature before processing any payment event. Laravel's middleware layer is the right place to handle this check: one method, applied once, protects every payment webhook route.
Real project timeline
At MaxiMoruM, we integrate Monobank Acquiring into Laravel stores for Ukrainian retailers across fashion, electronics, and food delivery. A standard integration — payment flow, webhook handling, admin reporting — takes 3–5 business days. Complex setups with split payments or recurring billing add another 2–3 days.
Ready to add Monobank to your Laravel store? Contact MaxiMoruM to scope your integration.