[FEATURE] Add mock Paystack wallet funding for contributor development

[Obiajulu-gif]

Overview

Add a mock Paystack wallet funding mode so contributors can test investor wallet funding without using real Paystack keys.

Problem

The app currently needs Paystack configuration for wallet funding flows. External contributors should be able to develop and test the UI/API flow locally without maintainer secrets or real payment transactions.

Expected solution

Add support for:

ENABLE_MOCK_PAYMENTS=true

When mock payments are enabled:

• wallet funding requests should return a safe fake authorization/payment response
• no request should be sent to Paystack
• mock references should be clearly marked, for example mock_wallet_<timestamp>
• the UI should still be able to continue the local development flow

Security notes

• Do not use real Paystack keys in tests.
• Do not commit Paystack secrets.
• Do not mock production behavior when NODE_ENV=production unless explicitly configured by maintainers.

Files likely involved

• app/api/payments/initialize/route.ts
• payment service/helper files if they exist
• wallet funding UI components
• .env.example
• README or contributor docs

Acceptance criteria

• ENABLE_MOCK_PAYMENTS=true skips real Paystack API calls.
• Local contributors can test wallet funding flow without a Paystack key.
• Production behavior remains unchanged when mock mode is disabled.
• Mock responses are clearly identifiable.
• Lint and build pass.

Suggested labels

payments, backend, developer-experience, good first issue

Difficulty

Beginner / Intermediate

[Menjay7]

Hi! I came across this issue and would love to work on it. I have experience with similar tasks and I'm confident I can investigate, implement a clean solution, and thoroughly test it before submitting a PR. If the issue is still open, I would appreciate it if you could assign it to me. Thank you!

[jaynomyaro]

Hi! I’m a full-stack developer with a strong blockchain background. I’d love to handle this issue and can deliver a clean, reliable solution. Kindly assign it to me.

[Adamsonoladipupo]

Hi,

I'd like to work on this issue.

My approach would be:

• Add support for ENABLE_MOCK_PAYMENTS=true in the payment initialization flow.

• Update the payment service/Paystack helper layer so that when mock payments are enabled (and not running in production unless explicitly configured), the application returns a mock payment response instead of calling Paystack.

• Generate clearly identifiable mock references such as mock_wallet_<timestamp>.

• Ensure the response structure matches the real funding flow closely enough that the wallet funding UI can continue through the normal development/testing process without requiring Paystack credentials.

• Keep production behavior unchanged when mock mode is disabled.

• Update .env.example with the new configuration flag and document the feature in the README/contributor setup guide.

• Add or update tests to verify:

  • mock mode skips external Paystack requests,
  • mock references are returned,
  • real Paystack integration remains unaffected when the flag is disabled.

• Run linting and build checks to ensure everything passes before submitting the PR.

This improvement will make local development and onboarding easier for contributors while keeping payment secrets out of development environments.

[afurious]

I’m a smart contract developer who turns complex ideas into secure, production-ready blockchain code.
With strong skills in Rust and Solidity, I build systems that are fast, safe, and built to last.
My experience with the Stellar SDK lets me ship real-world Web3 solutions that actually move value

[afurious]

I’m a smart contract developer who turns complex ideas into secure, production-ready blockchain code.
With strong skills in Rust and Solidity, I build systems that are fast, safe, and built to last.
My experience with the Stellar SDK lets me ship real-world Web3 solutions that actually move value

[CeceOs92]

Hello maintainer, can I work on this issue?

[Ekenesamuel8]

hello i can work on this task

[Godsmiracle001]

Hello maintainer, i will like to handle this issue professionally

[grantfox-oss]

🦊 GrantFox — @Godsmiracle001 has been assigned to this issue as part of the Official Campaign campaign!

Next steps:

1. Open a Pull Request referencing this issue (e.g., Closes #23)
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