=== Payment Gateway for Converse Bank ===
Contributors: HKDigitalAgency
Donate link: https://hkdigital.am/
Tags: Converse bank, Converse
Requires at least: 5.0
Tested up to: 6.7
Requires PHP: 7.4
Stable tag: 1.1.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Converse Bank payment gateway for WooCommerce. Accept payments in AMD, USD, EUR, and RUB with 3DS2 security.

== Description ==

**Payment Gateway for Converse Bank** seamlessly integrates Converse Bank CJSC's payment system into your WooCommerce store, enabling secure online payments for Armenian businesses.

= Key Features =

* **Multiple Currencies** - Accept payments in AMD (Armenian Dram), USD, EUR, and RUB
* **3DS2 Security** - Enhanced security with 3D Secure 2.0 authentication
* **Card Binding** - Save customer cards for faster repeat purchases
* **Subscription Support** - Compatible with WooCommerce Subscriptions
* **Payment Authorization** - Pre-authorize payments before capturing
* **Refund Support** - Process full and partial refunds directly from WordPress admin
* **Multilingual** - Payment pages available in Armenian, Russian, and English
* **WPML Compatible** - Works seamlessly with multilingual websites
* **Test Mode** - Sandbox environment for testing before going live
* **Automatic Updates** - Keep the plugin up-to-date automatically

= Who Is This For? =

This plugin is designed for Armenian businesses who:
* Use WooCommerce for e-commerce
* Have a merchant account with Converse Bank
* Need to accept online card payments
* Want secure, PCI-compliant payment processing

= Requirements =

* WordPress 5.0 or higher
* WooCommerce 5.0 or higher
* PHP 7.4 or higher (PHP 8.2+ supported)
* Active merchant account with Converse Bank
* SSL certificate (required for production)

= Getting Started =

**Step 1: Contact Converse Bank**
* Phone: **055 008-298**
* Email: **onlinepayments@conversebank.am**
* Request merchant credentials and payment gateway access

**Step 2: Plugin Identification**
Before using this plugin, you must complete identification:
* Visit: [hkdigital.am](https://hkdigital.am/)
* Call: **033 779-779**
* Email: **support@hkdigital.am**

**Note:** Identification service is paid. Contact us for pricing.

**Step 3: Configuration**
1. Install and activate the plugin
2. Go to WooCommerce → Settings → Payments → Converse Bank
3. Enter your merchant credentials from Converse Bank
4. Configure currency and language settings
5. Enable test mode for testing
6. Go live when ready

= Payment Flow =

1. Customer selects Converse Bank as payment method at checkout
2. Customer is redirected to secure Converse Bank payment page
3. Customer enters card details (3DS2 authentication if required)
4. Payment is processed
5. Customer is redirected back to your store
6. Order status is updated automatically

= Documentation & Support =

**HK Digital Agency Support:**
* Email: support@hkdigital.am
* Phone: 033 779-779
* Website: [hkdigital.am](https://hkdigital.am/)

**Converse Bank Support:**
* Email: onlinepayments@conversebank.am
* Phone: 055 008-298

= Languages =

* Armenian (hy) - Native
* English (en)
* Russian (ru)

== Installation ==

= Automatic Installation =

1. Log in to your WordPress admin panel
2. Go to **Plugins → Add New**
3. Search for "Payment Gateway for Converse Bank"
4. Click **Install Now**, then **Activate**
5. Go to **WooCommerce → Settings → Payments** to configure

= Manual Installation via WordPress Admin =

1. Download the `payment-gateway-for-converse-bank.zip` file
2. Log in to your WordPress admin panel
3. Go to **Plugins → Add New → Upload Plugin**
4. Choose the downloaded zip file and click **Install Now**
5. Click **Activate Plugin**
6. Go to **WooCommerce → Settings → Payments → Converse Bank**

= Manual Installation via FTP =

1. Download the `payment-gateway-for-converse-bank.zip` file
2. Extract the zip file contents
3. Upload the `payment-gateway-for-converse-bank` folder to `/wp-content/plugins/` via FTP
4. Log in to WordPress admin panel
5. Go to **Plugins** and activate the plugin
6. Go to **WooCommerce → Settings → Payments → Converse Bank**

= Configuration Steps =

After installation and activation:

1. **Complete Identification** - Contact HK Digital Agency for plugin activation
2. **Get Merchant Credentials** - Contact Converse Bank to obtain:
   - Username
   - Password
   - Binding credentials (if using card binding)
3. **Configure Plugin Settings:**
   - Enter merchant credentials
   - Select currencies to accept
   - Choose payment page language
   - Enable/disable card binding
   - Set test mode (if testing)
4. **Test Payment** - Make a test transaction to verify setup
5. **Go Live** - Disable test mode and start accepting real payments

== Frequently Asked Questions ==

= How do I get merchant credentials? =

Contact Converse Bank:
* Phone: 055 008-298
* Email: onlinepayments@conversebank.am

They will guide you through the merchant account setup process and provide credentials.

= Is this plugin free? =

The plugin download is free, but:
* Converse Bank charges merchant fees for payment processing
* HK Digital Agency charges for plugin identification and support

Contact respective parties for pricing details.

= What currencies are supported? =

The plugin supports:
* AMD (Armenian Dram) - 051
* RUB (Russian Ruble) - 643
* USD (US Dollar) - 840
* EUR (Euro) - 978

= Is 3D Secure supported? =

Yes, the plugin supports 3DS2 (3D Secure 2.0) for enhanced security and authentication.

= Can customers save their cards? =

Yes, if card binding is enabled, customers can securely save cards for faster checkout on future purchases.

= Does this work with WooCommerce Subscriptions? =

Yes, the plugin is compatible with WooCommerce Subscriptions for recurring payments.

= Can I process refunds? =

Yes, you can process full and partial refunds directly from the WordPress admin order page.

= Is there a test mode? =

Yes, the plugin includes a sandbox/test mode. Contact Converse Bank for test credentials.

= Does this work with WPML? =

Yes, the plugin is fully compatible with WPML for multilingual stores.

= What happens if payment fails? =

The customer is redirected back to your store with an error message. The order remains in "Pending payment" status.

= Can I customize the payment button text? =

Yes, you can customize the title and description in the plugin settings under WooCommerce → Settings → Payments → Converse Bank.

= Is my site secure? =

The plugin requires SSL (HTTPS) for production use. All payment processing happens on Converse Bank's secure servers, not on your site.

= How do I enable debug logging? =

In plugin settings, enable the "Debug log" option. Logs will be available at WooCommerce → Status → Logs.

== Screenshots ==

1. **Identification Panel** - Plugin identification and activation interface
2. **Settings Panel** - Complete configuration interface with all payment options
3. **Automatic Updates** - Plugin update notification and management system

== Changelog ==

= 1.1.0 - 2025-01-15 =
* **Compatibility:** WordPress 6.7+ and PHP 8.2+ compatibility updates
* **Fix:** Resolved "Creation of dynamic property" deprecation warnings in PHP 8.2+
* **Fix:** Fixed WordPress 6.7+ translation loading timing notice
* **Improvement:** Modernized WooCommerce logger and version handling
* **Improvement:** Updated to use `wc_get_logger()` for debug logging
* **Improvement:** Enhanced code quality and standards compliance
* **Testing:** Tested with WordPress 6.7 and WooCommerce 9.x

= 1.0.9 - 2024-11-10 =
* **Testing:** Compatibility testing with latest WordPress and WooCommerce
* **Improvement:** General updates and optimizations

= 1.0.8 - 2024-09-15 =
* **Feature:** IPay 3DS2 payment flow updates
* **Improvement:** Enhanced 3D Secure 2.0 authentication

= 1.0.7 - 2024-08-01 =
* **Improvement:** Admin panel design updates

= 1.0.6 - 2024-07-01 =
* **Feature:** Payment process notification messages integration
* **Improvement:** Better user feedback during payment

= 1.0.5 - 2024-05-15 =
* **Feature:** Payment authorization (pre-auth) functionality added
* **Feature:** WooCommerce Subscriptions integration
* **Improvement:** Admin settings panel enhancements

= 1.0.4 - 2024-04-01 =
* **Improvement:** Admin panel refinements

= 1.0.3 - 2024-03-01 =
* **Feature:** Refund functionality added (full and partial refunds)
* **Improvement:** Admin panel updates

= 1.0.2 - 2024-02-01 =
* **Feature:** Card binding functionality added
* **Improvement:** Admin settings interface modernization
* **Testing:** WordPress 5.7.1 compatibility

= 1.0.1 - 2024-01-15 =
* **Improvement:** Updated readme documentation
* **Feature:** Added screenshot gallery
* **Testing:** WordPress 5.4.2 compatibility

= 1.0.0 - 2023-12-01 =
* **Initial Release** - First public release

== Upgrade Notice ==

= 1.1.0 =
Important compatibility update for WordPress 6.7+ and PHP 8.2+. Recommended for all users. No breaking changes.

= 1.0.9 =
Compatibility updates. Safe to upgrade.

= 1.0.8 =
Enhanced 3DS2 security. Update recommended.

= 1.0.5 =
New features: Payment authorization and WooCommerce Subscriptions support. Update recommended.

== Privacy Policy ==

This plugin:
* Does not collect personal data from visitors
* Processes order and payment data as required for transaction processing
* Communicates with Converse Bank servers for payment processing
* Stores merchant credentials locally in WordPress database
* May store card binding tokens if card binding is enabled
* Does not share data with third parties except as required for payment processing

**Data Shared with Converse Bank:**
* Order amount and currency
* Customer name and email (as entered at checkout)
* Order ID and reference
* Return URLs for payment completion

**Card Data:**
* Card details are never stored on your WordPress site
* All card information is entered directly on Converse Bank's secure payment page
* PCI DSS compliance is handled by Converse Bank

== Additional Information ==

= System Requirements =

**Minimum:**
* WordPress 5.0+
* WooCommerce 5.0+
* PHP 7.4+
* MySQL 5.6+ or MariaDB 10.0+
* SSL Certificate (required for production)
* cURL PHP extension

**Recommended:**
* WordPress 6.7+
* WooCommerce 9.0+
* PHP 8.1+
* MySQL 8.0+ or MariaDB 10.6+
* SSL Certificate (required)

= Automatic Updates =

The plugin includes automatic update notifications. Updates are released to:
* Maintain compatibility with WordPress and WooCommerce
* Add new features and payment methods
* Fix bugs and improve performance
* Ensure PCI compliance and security

Update service terms available on our website.

= Supported Payment Cards =

Through Converse Bank, this plugin supports:
* Visa
* Mastercard
* ArCa (Armenian Card)
* Other cards accepted by Converse Bank's payment gateway

Contact Converse Bank for complete list of supported cards.

= Merchant Fees =

Payment processing fees are determined by Converse Bank. Contact them for current rates:
* Email: onlinepayments@conversebank.am
* Phone: 055 008-298

= Copyright & Licensing =

**Copyright © 2024 HK Digital Agency LLC (ԷՅՋԿԱ ԴԻՋԻՏԱԼ ԷՋԵՆՍԻ ՍՊԸ)**

This plugin and its contents are protected by copyright law.

**Restrictions:**
* Distribution, modification, or adaptation without permission is prohibited
* Use of trademarks and branding materials is restricted
* Licensed for use, not for resale or redistribution

**License Grant:**
* Users receive a paid license to use the plugin on their WordPress/WooCommerce site
* License is non-transferable and site-specific
* Pricing available at [hkdigital.am](https://hkdigital.am/) or call 033 779-779

**Data Collection Notice:**
For copyright protection purposes, the plugin collects:
* Domain name
* Site URL
* IP address

This data is transmitted to HK Digital Agency for license verification.

**Disclaimer:**

HK Digital Agency LLC is not responsible for:
* Services provided by Converse Bank or other third parties
* Payment processing fees or merchant account issues
* Technical issues from WordPress, WooCommerce, or other plugin updates
* Partial or complete plugin malfunction due to third-party updates
* Website uptime, security, or data integrity
* PCI compliance (handled by Converse Bank)
* Chargebacks or disputed transactions

**Support:**
* Email: support@hkdigital.am
* Phone: 033 779-779
* Website: [hkdigital.am](https://hkdigital.am/)

= Credits =

**Developed by HK Digital Agency LLC**
* Website: [hkdigital.am](https://hkdigital.am/)
* Email: support@hkdigital.am
* Phone: 033 779-779

**Payment Processing by Converse Bank CJSC**
* Website: [conversebank.am](https://www.conversebank.am/)
* Email: onlinepayments@conversebank.am
* Phone: 055 008-298

Special thanks to all merchants using our plugin and providing valuable feedback.

== External Services ==

This plugin communicates with the following external services:

**Converse Bank Payment Gateway**
* Purpose: Process credit/debit card payments
* Data Sent: Order amount, currency, customer details, order reference
* Data Received: Payment status, transaction ID, authorization codes
* Privacy Policy: Contact Converse Bank
* Terms of Service: Merchant agreement with Converse Bank
* Website: [conversebank.am](https://www.conversebank.am/)
* Secure: All communication over HTTPS with SSL encryption

**HK Digital Agency License Server**
* Purpose: Plugin activation and license verification
* Data Sent: Domain name, site URL, IP address, plugin version
* Privacy Policy: [hkdigital.am](https://plugins.hkdigital.am/terms.html)
* Website: [hkdigital.am](https://hkdigital.am/)

**Note:** Use of this plugin requires:
* Active merchant account with Converse Bank
* Compliance with payment card industry (PCI) standards (handled by Converse Bank)
* Valid SSL certificate on your website
* Acceptance of terms of service from both HK Digital Agency and Converse Bank

== Troubleshooting ==

= Payment redirect not working =

**Solution:**
1. Verify SSL certificate is active and valid
2. Check that return URLs are correctly configured
3. Ensure no firewall or security plugin is blocking redirects
4. Enable debug logging and check logs for errors

= Card binding not available =

**Solution:**
1. Verify card binding is enabled in plugin settings
2. Confirm binding credentials are entered correctly
3. Contact Converse Bank to ensure binding is enabled on your merchant account

= Refunds failing =

**Solution:**
1. Ensure refund credentials are correct in settings
2. Verify transaction is eligible for refund (timing, amount)
3. Check WooCommerce logs for specific error messages
4. Contact Converse Bank support

= Test mode not working =

**Solution:**
1. Verify test mode is enabled in plugin settings
2. Ensure you're using test credentials provided by Converse Bank
3. Confirm test environment is accessible from your server

= Translation not loading =

**Solution:**
1. Verify WPML or Polylang is properly configured
2. Check that language files exist in `/languages/` folder
3. Clear all caches and refresh
4. Update to latest plugin version (translation loading improved in 1.1.0)

For additional support, contact:
* HK Digital: support@hkdigital.am / 033 779-779
* Converse Bank: onlinepayments@conversebank.am / 055 008-298