=== Paisaify for UPI ===
Contributors: star2727
Tags: upi, woocommerce, payment gateway, india, qr code
Requires at least: 6.4
Tested up to: 7.1
Requires PHP: 8.1
Stable tag: 0.2.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Take UPI payments in WooCommerce with no gateway fee. Payments confirm by themselves from the bank credit SMS on your phone.

== Description ==

Paisaify for UPI adds a UPI checkout to WooCommerce. The customer pays your own UPI ID straight into your own bank account. There is no payment gateway, no percentage fee and no one holding your money.

**How it knows you were paid**

Your phone receives the bank's "money received" text. A small rule on that phone (the free MacroDroid app on Android, or an Apple Shortcuts automation on iPhone) passes the text to your site. Paisaify reads the amount and marks the order paid.

**What you get**

* A UPI checkout for WooCommerce with a QR code, a pay-in-app link and a "pay to UPI ID" fallback.
* Exact-amount matching. Each waiting order gets a unique amount of up to 99 paise extra, so two orders of the same price never get mixed up.
* A payment window that closes by itself, and a "I already paid" claim form with the UPI reference.
* A live dashboard with today's total, waiting orders, phone status and a step-by-step setup for your phone.
* Support for all major Indian banks (87 sender codes built in).
* An email to the shop admin for every payment, unmatched credit and silent phone.
* Health and Security cards, automatic clean-up of old message records, and WordPress Site Health checks.
* Works with the WooCommerce block checkout and the classic checkout, and with High-Performance Order Storage.

**Privacy**

* Payment data stays in your own WordPress database. This plugin does not contact any Flying Star server and sends nothing to any third party.
* The phone forwards every text it receives, so Paisaify stores nothing from messages that are not bank credits, and deletes old rows daily.
* The optional "Powered by Paisaify" credit under the payment box is off by default.

**Good to know**

* This is not a payment gateway. It confirms payments by reading your bank's credit SMS, so the connected phone must stay on and online.
* Some UPI apps refuse payment links to a personal UPI ID. Scanning the QR code, or typing the UPI ID, works. A business UPI ID from your bank avoids this.
* UPI limits still apply, usually Rs 1,00,000 per payment.
* Paisaify for UPI is not affiliated with NPCI. "UPI" is a trademark of NPCI.

Need donations with 80G receipts, payment links, PDF and email receipts, WhatsApp and Telegram alerts, or a full ledger? See Paisaify Pro at https://flyingstar.in.

== Installation ==

1. Install and activate the plugin. WooCommerce should be active for the shop checkout.
2. Open Paisaify, Settings. Enter your UPI ID and payee name.
3. Open WooCommerce, Settings, Payments and switch on "Paisaify for UPI (zero fee)".
4. Open the Paisaify dashboard and follow "Connect your phone".
5. Place a small test order and pay it from a UPI app.

== Frequently Asked Questions ==

= Does money pass through you? =

No. The customer pays your UPI ID and the money lands in your bank account. This plugin only reads the bank's credit SMS.

= Does it work on iPhone? =

The plugin works for any shop. For reading the bank SMS, an iPhone can use an Apple Shortcuts automation. The dashboard shows the steps. The Android helper apps do not run on iPhone.

= A customer says GPay refused the payment. =

Some apps refuse payment links to a personal UPI ID. Ask the customer to scan the QR code with the camera, or type your UPI ID in "Pay to UPI ID". A business UPI ID avoids the problem.

= Why does the amount have extra paise? =

That is how each order is told apart. Two waiting orders of Rs 499 become 499.00 and 499.07, and the payment that arrives is matched to the exact one.

= What if my phone is off? =

Payments wait as "unmatched" until the phone is back, and you can attach a credit to an order by hand from the dashboard.

== Screenshots ==

1. The UPI checkout with QR code and countdown.
2. The dashboard with today's total and phone status.
3. The settings screen.

== Changelog ==

= 0.2.0 =
* The bank SMS reader is stricter: loan, card, promo and statement texts are no longer read as payments, and many more bank formats are recognised.

= 0.1.0 =
* First release.

== Upgrade Notice ==

= 0.2.0 =
Improves how bank SMS is read. Update recommended.

= 0.1.0 =
First release.
