PHP

The official PHP SDK calls ISA from any PHP 8.2+ application. It ships
readonly value objects, constructor promotion, named arguments, and a
PSR-18 transport, so a prequalify call reads like the domain it models. You
install it, point it at a bearer token, and get a flat list of offers back.

Install

composer require isa-sdk/sdk

The Composer package is isa-sdk/sdk; the PHP namespace is Isa\Sdk. Any
PSR-18 HTTP client works — guzzlehttp/guzzle and symfony/http-client are
both auto-discovered.

Authenticate

ISA authenticates with a bearer token. Your isa_test_… and isa_live_…
tokens arrive by email after checkout; the same token selects test or live
mode, so there is nothing else to configure. Isa::withBearer() reads
ISA_TOKEN from the environment:

export ISA_TOKEN=isa_test_4fjK2nQ7mX1aB8sR9pZ3

<?php
require 'vendor/autoload.php';

use Isa\Sdk\Isa;

$isa = Isa::withBearer();           // reads ISA_TOKEN
// $isa->zyins is the underwriting namespace: prequalify, quote, datasets.

Pass the token explicitly when it does not live in the environment:
Isa::withBearer('isa_test_4fjK2nQ7mX1aB8sR9pZ3'). A missing token raises
Isa\Sdk\Zyins\Exception\IsaConfigException at construction, naming the
variable it could not find. To rotate a token, contact support — a self-serve
key dashboard is on the roadmap.

Make your first call

From the authenticated $isa, a single prequalify returns a flat
$result->plans list — one offer per product, each with a uniform pricing[]
table whose money is integer cents paired with a server-formatted display.
The PHP Quickstart walks the full call end to end for
the canonical applicant (John Doe, born 1962-04-18, North Carolina, 5'10",
195 lb, no medications).

Where to next

Quickstart — install, authenticate, first 200
Tutorial: from zero to first 200 — a complete walkthrough with output
Framework: Laravel — service-provider wiring and config
Prequalify guide — the response envelope, eligibility, and the pricing table
Authentication guide — bearer tokens, test vs. live, the v3 pin
Errors reference — every code value, its HTTP status, and remediation