=== Ivanov Payment Gateway with GembaPay ===
Contributors: gembapay
Tags: woocommerce, payment gateway, crypto, stripe, paypal
Requires at least: 6.0
Tested up to: 6.9
Requires PHP: 8.0
Stable tag: 1.1.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Accept crypto, credit card, and PayPal payments in WooCommerce through a unified checkout experience with GembaPay.

== Description ==

Ivanov Payment Gateway with GembaPay enables you to accept cryptocurrency, credit card, and PayPal payments through a single, unified checkout experience.

= Features =

* **Unified Checkout** - Single integration for Crypto, Stripe, and PayPal
* **Multi-Chain Crypto** - Accept payments on Ethereum, BNB Smart Chain, and Polygon
* **Multiple Tokens** - ETH, BNB, POL, USDC, USDT, plus EURC and GMB
* **EURC Stablecoin** - Accept the euro-pegged EURC stablecoin on Ethereum and Polygon
* **GMB Token** - Native GembaBlockchain (GMB) token; a configurable discount can be offered to GMB holders at checkout
* **Fiat Payments** - Credit/Debit Cards, Apple Pay, Google Pay via Stripe
* **PayPal** - PayPal Balance, Bank Account, Pay Later
* **86+ Currencies** - Set prices in your local currency
* **Non-Custodial** - Crypto payments go directly to your wallet
* **Low Fees** - Just 1% for crypto, 1% + €0.20 for cards/PayPal
* **Automatic Order Updates** - Orders are updated via webhooks
* **Transaction Details** - Blockchain explorer links for crypto payments

= How It Works =

1. Customer selects GembaPay at checkout
2. Customer is redirected to GembaPay's secure checkout page
3. Customer chooses their preferred payment method (Crypto, Card, or PayPal)
4. Payment is processed and customer is returned to your store
5. Order status is automatically updated via webhook

= Requirements =

* WooCommerce 7.0 or higher
* PHP 8.0 or higher
* GembaPay merchant account with approved KYC
* SSL certificate (HTTPS)

= Getting Started =

1. Sign up at [gembapay.com](https://gembapay.com)
2. Complete KYC verification
3. Get your API key from the merchant dashboard
4. Install and configure this plugin
5. Start accepting payments!

== Installation ==

= Automatic Installation =

1. Log in to your WordPress dashboard
2. Go to Plugins > Add New
3. Search for "Ivanov Payment Gateway with GembaPay"
4. Click "Install Now" and then "Activate"

= Manual Installation =

1. Download the plugin zip file
2. Log in to your WordPress dashboard
3. Go to Plugins > Add New > Upload Plugin
4. Choose the zip file and click "Install Now"
5. Activate the plugin

= Configuration =

1. Go to WooCommerce > Settings > Payments
2. Click on "GembaPay" to configure
3. Enable the payment method
4. Enter your API Key from GembaPay dashboard
5. Enter your Webhook Secret
6. Copy the Webhook URL and add it to your GembaPay dashboard
7. Save changes

== Frequently Asked Questions ==

= Do I need a GembaPay account? =

Yes, you need to register at gembapay.com and complete KYC verification to get your API credentials.

= What currencies are supported? =

GembaPay supports 86+ fiat currencies for pricing. Cryptocurrency payments support ETH, BNB, POL, USDC, USDT, the euro-pegged EURC stablecoin (on Ethereum and Polygon), and the GMB (GembaBlockchain) token, across Ethereum, BNB Smart Chain, and Polygon networks.

= How are crypto payments handled? =

Crypto payments are non-custodial - funds go directly from the customer's wallet to your wallet via smart contract. GembaPay never holds your funds.

= What are the fees? =

* Cryptocurrency: 1%
* Credit/Debit Cards: 1% + €0.20 + Stripe fees
* PayPal: 1% + €0.20 + PayPal fees

= How do refunds work? =

For card and PayPal payments, refunds are processed through those platforms. For crypto payments, refunds must be sent manually to the customer's wallet address.

= Is it secure? =

Yes! GembaPay uses industry-standard security practices. Crypto payments use audited smart contracts. Card payments are processed by Stripe. All API communications use TLS encryption.

== Screenshots ==

1. Payment method on checkout page
2. GembaPay unified checkout
3. Plugin settings page
4. Order details with transaction info

== Changelog ==

= 1.1.0 =
* Order detail / status lookups now use the authenticated merchant API endpoints
  (GET /api/merchant/payment/:orderId and /payment-status/:orderId) instead of the
  public customer endpoints. Checkout and webhooks are unchanged.
* Documented EURC stablecoin support (Ethereum, Polygon) and the GMB token.
* readme: aligned stated requirements to WooCommerce 7.0 / PHP 8.0.

= 1.0.0 =
* Initial release
* Crypto payments (ETH, BNB, POL, USDC, USDT)
* Stripe integration (Cards, Apple Pay, Google Pay)
* PayPal integration
* Webhook support for automatic order updates
* Transaction details on order page
* Debug logging

== Upgrade Notice ==

= 1.1.0 =
Uses the authenticated GembaPay merchant endpoints for order lookups. Recommended update.

= 1.0.0 =
Initial release of Ivanov Payment Gateway with GembaPay.
