--- title: "Credits for Laravel — docs | Roundly" description: "Developer docs for Credits for Laravel: ledger balances, named buckets, overdraft protection, point-in-time reads, fractional display and currency buckets." url: https://roundly-consulting.com/open-source/docs/credits-for-laravel language: en --- [All packages](https://roundly-consulting.com/open-source.md) Open source # Credits for Laravel Install `composer require roundly-consulting/credits-for-laravel` Requires: PHP ^8.4 · Laravel ^12.0|^13.0 [GitHub](https://github.com/roundly-consulting/credits-for-laravel) [Packagist](https://packagist.org/packages/roundly-consulting/credits-for-laravel) [Donate (opens in a new tab)](https://donate.stripe.com/dRmeVe8FX5PF1Qd9pXcEw00) [Patreon](https://www.patreon.com/cw/roundly) ## Overview Credit and wallet balances for any Eloquent model, kept as an append-only ledger. Every change is its own immutable, time-stamped row — positive to grant, negative to deduct — and the balance is the sum of those rows, so you get the running total, the full history and any past balance without extra work. Named buckets, race-safe overdraft protection, exact fractional display and money-typed currency buckets are built in. MIT-licensed and dependency-light: Laravel plus two small Roundly packages. ### What you get #### Append-only ledger Every grant and deduction is its own time-stamped row with a description and metadata. The balance is their sum — never a stored column. #### Point-in-time balances Ask for any balance as it stood at a past moment; the dated ledger reconstructs it exactly, per bucket or in total. #### Named buckets Keep promotional and purchased credit apart on the same owner — isolated balances, with totals across buckets when you want one figure. #### Overdraft protection Deductions below the floor throw by default, and a per-owner lock serialises racing changes on every isolation level — no double spend. #### Exact fractional display Integer minor units with a configurable scale and the native RoundingMode — no float drift, even at PHP\_INT\_MAX. #### Currency-denominated buckets Map a bucket to an ISO or custom currency and read and write it as Money; the wrong currency is refused before anything is written. #### Facade, DI or actions Credits::for($user) over an injectable CreditsManager and single-purpose actions, a recording fake, CreditsModified events and credits:modify. ### Documentation #### [Installation](https://roundly-consulting.com/open-source/docs/credits-for-laravel/installation.md) Install via Composer, publish and run the publish-only migration, and optionally publish the config and translations. #### [Configuration](https://roundly-consulting.com/open-source/docs/credits-for-laravel/configuration.md) Every config key and its default — model, key types, overdraft policy, default bucket, scale, rounding, currencies and bulk resolvers. #### [Key types & schema](https://roundly-consulting.com/open-source/docs/credits-for-laravel/key-types.md) The credits and credit\_locks tables, and how key\_type and primary\_key\_type type the morph column and the ledger’s own id. #### [Creditable models](https://roundly-consulting.com/open-source/docs/credits-for-laravel/creditable-models.md) Implement Creditable and use HasCredits on any Eloquent model — users, teams, accounts — to give it a ledger and a balance. #### [The Credits facade](https://roundly-consulting.com/open-source/docs/credits-for-laravel/facade.md) Credits::for($owner) — an immutable scope to add, deduct, set and read credits per bucket, as integers or Money, plus owner-free helpers. #### [DI and actions](https://roundly-consulting.com/open-source/docs/credits-for-laravel/actions.md) Inject CreditsManager instead of the facade, or call the single-purpose actions from jobs and services — modify, set, balance, total, format. #### [Granting & deducting](https://roundly-consulting.com/open-source/docs/credits-for-laravel/granting-deducting.md) Append grants and deductions with modifyCredits(), attach a description and metadata, and set an exact balance with setCreditsTo(). #### [Overdraft protection](https://roundly-consulting.com/open-source/docs/credits-for-laravel/overdraft-protection.md) Deductions below the floor throw InsufficientCreditsException by default; allow overdrafts per call or globally, and race-safely. #### [Reading balances](https://roundly-consulting.com/open-source/docs/credits-for-laravel/balances.md) Read the current or a past balance, check available credits with hasCredits(), and query the ledger relation directly. #### [Named buckets](https://roundly-consulting.com/open-source/docs/credits-for-laravel/buckets.md) Split credit into isolated named pools on one owner, and sum chosen buckets or every bucket when you need a single figure. #### [Fractional credits & display](https://roundly-consulting.com/open-source/docs/credits-for-laravel/displaying-balances.md) Store fractional credits as integer minor units with a scale, and render them as exact, locale-free decimal strings. #### [Currency-denominated buckets](https://roundly-consulting.com/open-source/docs/credits-for-laravel/currency-buckets.md) Map a bucket to an ISO or custom money currency to read its balance as Money and refuse writes in any other currency. #### [Custom currencies & redemption](https://roundly-consulting.com/open-source/docs/credits-for-laravel/custom-currencies.md) Denominate buckets in your own units such as loyalty points, respect the 64-bit precision limit, and redeem points for money. #### [Query scopes](https://roundly-consulting.com/open-source/docs/credits-for-laravel/query-scopes.md) Report over the ledger with the Credit model’s scopes — grants, deductions, point in time, owner and bucket filters. #### [Events](https://roundly-consulting.com/open-source/docs/credits-for-laravel/events.md) React to every recorded change with the CreditsModified event — the owner, the new ledger row and the bucket’s new balance. #### [Custom model & translations](https://roundly-consulting.com/open-source/docs/credits-for-laravel/extending.md) Swap in your own Credit subclass through credits.model, and publish the exception messages to translate or reword them. #### [Artisan commands](https://roundly-consulting.com/open-source/docs/credits-for-laravel/commands.md) Apply a credit change in bulk with credits:modify, and inspect the resolved configuration with php artisan about. #### [Exceptions](https://roundly-consulting.com/open-source/docs/credits-for-laravel/exceptions.md) The credits exceptions and the money-for-laravel exceptions the package lets through — what throws them and what they carry. #### [Testing](https://roundly-consulting.com/open-source/docs/credits-for-laravel/testing.md) Credits::fake() records every add, deduct and set without writing; or test balances, the guard and events against a real database. #### [Requirements](https://roundly-consulting.com/open-source/docs/credits-for-laravel/requirements.md) PHP 8.4+ with ext-bcmath, Laravel 12 or 13, MySQL or PostgreSQL, and two Roundly packages that Composer installs for you. ## Show your open-source love This package is free and MIT-licensed. If it saves you time, a one-off donation or a Patreon membership keeps it maintained, tested and documented. [More ways to support, including crypto](https://roundly-consulting.com/support-us.md) By donating, you agree to our [donation terms](https://roundly-consulting.com/donation-terms.md). [Support our open source work (opens in a new tab)](https://donate.stripe.com/dRmeVe8FX5PF1Qd9pXcEw00) [Join us on Patreon (opens in a new tab)](https://www.patreon.com/cw/roundly) ## Want this built into your product? We integrate our packages into custom Laravel and AI builds. Tell us what you're working on and we'll reply within 48 hours. [Get a quote in 48 hours](https://roundly-consulting.com/contact.md) [Browse all packages](https://roundly-consulting.com/open-source.md)