Blacklivery Payment Integration

Payment Gateway by Region & Purpose

Purpose	Nigeria	Chicago
Rider charges (card/bank)	Paystack	Stripe
Driver payouts	Flutterwave + Monnify	Stripe Connect
Wallet top-up	Paystack	Stripe
Refunds	Paystack (reverse)	Stripe (refund)

CURRENT: How Payments Work in the App

The Flutter apps currently call the backend REST API for all payment operations — no native SDK for Paystack or Stripe is installed yet. The backend (backend/src/services/payment/) handles provider selection, charge creation, and webhook verification.

// Current PaymentService in rider app (lib/core/services/payment_service.dart)
Future<Map<String, dynamic>> initiatePayment({
  required String tripId,
  required double amount,
  required String provider, // 'paystack' | 'stripe'
}) async {
  final response = await _apiClient.dio.post('/api/v1/payments/initiate', data: {
    'tripId': tripId,
    'amount': amount,
    'provider': provider,
  });
  return response.data['data'];
  // Returns { authorizationUrl, reference } — open in WebView or browser
}

Future<Map<String, dynamic>> verifyPayment(String reference) async {
  final response = await _apiClient.dio.post('/api/v1/payments/verify', data: {
    'reference': reference,
  });
  return response.data['data'];
}