=== WPSmartPay – Payment Forms, Invoices, Donations & Subscriptions ===
Contributors: converswp
Tags: payment forms, stripe, paypal, invoices, donations
Requires at least: 6.0
Tested up to: 7.0
Requires PHP: 8.1
Stable Tag: 3.1.0
License: GPL-3.0-or-later
License URI: https://www.gnu.org/licenses/gpl-3.0.html

Accept payments, send invoices, and collect donations on WordPress. Connect Stripe, PayPal, Authorize.net, and more — no store or cart required.

== Description ==

**WPSmartPay** is the simplest way to accept payments, send professional invoices, and collect donations on WordPress.

No complex store setup. No bloated cart plugin. Just create a payment form, connect a gateway, and start getting paid — in minutes.

Use it to invoice clients, accept one-time or recurring donations, or charge for services. WPSmartPay handles the money side so you can focus on the work.

[youtube https://www.youtube.com/watch?v=PdqA7XNH60Q]

---

### What's New in Version 3.0

* **Rebuilt Gutenberg payment form builder** — Design payment forms visually using the WordPress block editor. No page builders required.
* **Invoice Management** — Create, send, and track professional invoices directly from your WordPress dashboard.
* **Anti-Spam Control System** — Protect payment forms with 3 built-in integrations: Cloudflare Turnstile, hCaptcha, and reCAPTCHA v3.
* **Tax Control System** — Define tax rates (percentage or fixed) and apply them globally or per form.
* **Redesigned Dashboard and Reports** — Real-time revenue overview, charts, and date-range filters.
* **Guided Onboarding Wizard** — Step-by-step setup for currency, pages, and gateway in minutes.

---

### Accept Payments Your Way

Connect the gateway that fits your business and start accepting payments immediately:

* **PayPal Standard** — Free, trusted, works out of the box
* **Manual / Free Payment** — For $0 or pay-later flows
* **Stripe** *(Pro — most popular)* — Cards, Apple Pay, Google Pay, Link, 135+ currencies
* **Authorize.net** *(Pro)* — Industry-standard gateway for US and Canadian businesses
* **Mollie** *(Pro)* — Ideal for European businesses; iDEAL, SEPA, and more
* **Paddle** *(Pro)* — Global merchant of record; handles VAT and sales tax automatically
* **Razorpay** *(Pro)* — Best for India-based businesses; cards, UPI, netbanking
* **toyyibPay** *(Pro)* — Malaysian FPX online banking gateway
* **Paytm** *(Pro)* — Popular Indian payment gateway
* **bKash** *(Pro)* — Mobile banking payments in Bangladesh

[See all gateways and pricing](https://wpsmartpay.com/pricing/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=gateway-list)

---

### Invoicing Built Into WordPress

Stop switching between tools. WPSmartPay lets you create and send professional invoices without leaving the WordPress admin.

* Generate invoices for one-time or recurring payments
* Send to customers by email in one click
* Track status from Draft through Sent, Paid, and Overdue
* Customize with your logo and business details

[Learn more about invoicing](https://wpsmartpay.com/features/invoices/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=invoicing-section)

---

### Subscription and Recurring Payments *(Pro)*

Accept recurring payments and build predictable revenue streams with WPSmartPay Pro.

* Set up recurring billing on any payment form — weekly, monthly, or yearly
* Installment plans and fixed-period billing cycles
* Membership plans with role-based access control
* Renewal reminder emails sent automatically
* Supported on Stripe and Paddle gateways

[Learn more about subscriptions](https://wpsmartpay.com/features/subscriptions/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=subscriptions-section)

---

### Native Gutenberg Payment Form Builder

Build payment forms the WordPress way — with blocks. Live preview as you design.

* Drag-and-drop fields: name, email, address, phone, and more
* Flexible pricing: fixed price, custom amount, or pricing tiers
* Start from the **template library** or build from scratch
* Embed anywhere with the SmartPay block, shortcode, or popup overlay
* Stacked or split checkout layout, and an optional "require login to checkout" toggle - per form

---

### Donations Made Simple

Set up a donation form in minutes. Accept one-time or recurring donations from supporters worldwide.

* Let donors choose their own amount with the custom amount field
* Collect recurring donations with subscription billing *(Pro)*
* Send automatic thank-you emails on every donation
* Works with PayPal, Stripe, and all supported gateways

---

### Anti-Spam Protection

Stop bot abuse before it reaches your payment processor. Choose from 3 built-in integrations:

* **Cloudflare Turnstile** — Privacy-first, invisible to real users
* **hCaptcha** — GDPR-compliant with high bot-detection accuracy
* **reCAPTCHA v3** — Score-based, never interrupts real customers

---

### Tax Control

Stay compliant without extra plugins:

* Percentage or fixed-amount tax rates
* Apply globally or per payment form
* Tax line shown clearly on checkout and receipts

---

### Reports and Analytics

* **Dashboard overview** (free) — Total revenue, payment count, recent transactions, and key stats
* **Advanced reports** *(Pro)* — Tabbed reports for Revenue, Forms, Subscriptions, Goals, and Payment Recovery
* Date-range filters: today, this week, this month, custom
* Per-form conversion and revenue breakdown

[Explore Pro reporting](https://wpsmartpay.com/features/reports/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=reporting-section)

---

### CRM and Marketing Integrations *(Pro)*

Connect WPSmartPay to your marketing stack and automate post-payment workflows.

* **Mailchimp** — Add customers to lists and tags on payment
* **MailerLite** — Sync subscribers and trigger automations
* **FluentCRM** — Tag contacts and trigger sequences in your WordPress CRM
* **AffiliateWP** — Track affiliate referrals on every payment
* **Zapier** — Connect to 6,000+ apps with no code
* **Pabbly Connect** — Automate workflows with multi-step triggers

[See all integrations](https://wpsmartpay.com/features/integrations/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=integrations-section)

---

### AI Agent Integration *(Pro)*

WPSmartPay Pro is built for the agentic web. Connect Claude, Cursor, or any MCP-compatible AI agent to your payment operations — no API scripting required.

Agents can take real actions inside your site using the built-in Model Context Protocol (MCP) server:

* **Create payment forms** from a prompt — agent scaffolds the full Gutenberg form with pricing tiers in seconds
* **Query payments and customers** — ask your agent to find a customer, pull recent transactions, or check payment status
* **Create and send invoices** — agent drafts an invoice and fires it to the customer by email in one step
* **Generate coupon codes** — bulk-create codes with custom prefixes, limits, and expiry from a single instruction
* **Manage subscriptions** — list active subscriptions or cancel one by customer email

Use Claude, Cursor, or any tool that speaks Model Context Protocol. No webhooks or custom scripts needed — the MCP endpoint is built into the plugin.

[Learn how to connect an AI agent](https://docs.wpsmartpay.com/en/mcp?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=mcp-section)

---

### Who Is WPSmartPay For?

* **Freelancers and Agencies** — Invoice clients and accept one-time or recurring service payments
* **Coaches and Consultants** — Charge for sessions, courses, and memberships
* **Nonprofits and Charities** — Accept one-time and recurring donations
* **Content Creators** — Sell eBooks, templates, audio, and digital files
* **Event Organizers** — Ticket sales and event registrations
* **Fitness and Wellness Studios** — Sell subscription and class packages

---

### Free Features at a Glance

* Native Gutenberg payment form builder + template library
* Invoice management (create, send, track)
* Anti-spam: Cloudflare Turnstile, hCaptcha, reCAPTCHA v3
* Tax control system
* Dashboard reports and analytics
* Customizable email templates
* Guided onboarding wizard
* Support and system info page
* Customer management
* Coupon codes
* PayPal Standard + manual/free payment gateway
* Test mode for safe development
* GDPR-friendly
* Developer hooks and filters

---

### WPSmartPay Pro

Unlock more with [WPSmartPay Pro](https://wpsmartpay.com/pricing/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=pro-section):

**Pro Payment Gateways:**
Stripe - Authorize.net - Paddle - Razorpay - Mollie - bKash - toyyibPay - Paytm

**Subscriptions and Recurring Billing:**
* Recurring plans on forms and products
* Billing cycles and installment plans
* Renewal reminder emails

**Advanced Coupon Management:**
* Bulk coupon generation with custom prefix/suffix and quantity
* CSV export of generated codes
* Per-coupon and per-customer usage limits
* Percentage or fixed discounts with expiry dates

**Outgoing Webhooks:**
* Fire payment events to any URL in real time
* HMAC-SHA256 signed requests (Standard Webhooks spec)
* Automatic retry with delivery log
* Works with Zapier, Make, n8n, and custom endpoints

**Advanced Reports:**
* Revenue, Forms, Subscriptions, Goals, and Recovery tabs
* Per-form conversion and revenue breakdown
* Failed/abandoned payment recovery tracking

**Marketing and Automation Integrations:**
Mailchimp - MailerLite - FluentCRM - AffiliateWP - Pabbly - Zapier

**AI Agent Integration (MCP):**
* Built-in Model Context Protocol server
* AI agents can create forms, query payments, send invoices, manage coupons and subscriptions
* Works with Claude, Cursor, and any MCP-compatible client

[Get WPSmartPay Pro](https://wpsmartpay.com/pricing/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=pro-cta)

---

#### Gateway Coverage

* **Stripe (Pro)** — 47+ countries, 135+ currencies
* **PayPal** — 200+ countries, 25 currencies
* **Authorize.net (Pro)** — US and Canada; USD, CAD, GBP, EUR and more
* **Mollie (Pro)** — European Economic Area (EEA)
* **Paddle (Pro)** — Global merchant of record; handles VAT and sales tax worldwide
* **Razorpay (Pro)** — India, 100+ currencies
* **toyyibPay (Pro)** — Malaysia (MYR)
* **Paytm (Pro)** — India (INR)
* **bKash (Pro)** — Bangladesh (BDT)

---

**Documentation:** [docs.wpsmartpay.com](https://docs.wpsmartpay.com/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=docs-cta)
**Support:** Priority email support for Pro users — [get Pro](https://wpsmartpay.com/pricing/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=support-cta)

== Installation ==

1. Go to **Plugins → Add New** in your WordPress dashboard.
2. Search for **"WPSmartPay"**.
3. Click **Install Now**, then **Activate Plugin**.
4. Follow the **Setup Wizard** to configure your currency, pages, and first payment gateway.
5. Go to **WPSmartPay → Forms** to create your first payment form.

For Pro features: upload WP SmartPay Pro, activate, and enter your license key at **SmartPay → Settings → License**.

== Frequently Asked Questions ==

= Is WPSmartPay free? =
Yes. The core plugin is completely free and includes the Gutenberg form builder, invoice management, tax control, anti-spam protection, dashboard reports, email templates, and the PayPal Standard gateway — no credit card required to install.

= Do I need WooCommerce to accept payments? =
No. WPSmartPay is a fully standalone payment plugin. There is no cart, no store setup, and no WooCommerce required. Install, connect a gateway, and start getting paid in minutes.

= Which payment gateways are supported? =
Free: PayPal Standard and Manual/Free gateway. Pro adds Stripe, Authorize.net, Paddle, Razorpay, Mollie, bKash, toyyibPay, and Paytm. [See the full gateway list](https://wpsmartpay.com/pricing/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=faq-gateways)

= Is Stripe supported? =
Yes — Stripe is available in WPSmartPay Pro. It supports cards, Apple Pay, Google Pay, Link, and 135+ currencies across 47+ countries. [Learn more](https://wpsmartpay.com/features/stripe/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=faq-stripe)

= Can I send invoices from WordPress? =
Yes. WPSmartPay includes a built-in invoice management system. Create invoices, send them to customers by email, and track their status from Draft through Sent, Paid, and Overdue — all from the WordPress admin.

= Can I accept recurring or subscription payments? =
Yes, with WPSmartPay Pro. Set up recurring billing on any payment form with weekly, monthly, or yearly billing cycles. Membership plans with role-based access are also included.

= Can I collect donations? =
Yes. Enable the custom amount field on any payment form to accept one-time donations. Recurring donations are available with WPSmartPay Pro.

= Does it work with PayPal? =
Yes. PayPal Standard is built into the free plugin. Connect your PayPal account under SmartPay → Settings → Payment Gateways and start accepting payments immediately — no Pro license required.

= Is there a coupon or discount code feature? =
Yes. Create percentage or fixed-amount coupon codes, set expiry dates, and apply them at checkout. Basic coupon management is included in the free plugin. Pro adds bulk generation, per-customer limits, and CSV export.

= What is the difference between free and Pro? =
The free plugin includes PayPal, manual payment, payment forms, invoices, coupons, customer management, and dashboard reports. Pro adds premium gateways (Stripe, Authorize.net, Mollie, Paddle, etc.), subscription billing, advanced tabbed reports, CRM/marketing integrations, bulk coupons, and outgoing webhooks. [Compare plans](https://wpsmartpay.com/pricing/?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=faq-upgrade)

= Does it work with the Gutenberg block editor? =
Yes — the form builder is built entirely on Gutenberg blocks and integrates natively with the WordPress editor. Embed forms anywhere using the SmartPay block or the `[smartpay_form]` shortcode.

= Is WPSmartPay GDPR compliant? =
Yes. Payment card data is never stored on your server — all sensitive data is handled directly by the payment gateway (Stripe, PayPal, etc.). Turnstile and hCaptcha are privacy-first anti-spam options; reCAPTCHA v3 is also supported.

= Can AI agents like Claude or Cursor manage my payment forms and store? =
Yes, with WPSmartPay Pro. The plugin ships a built-in Model Context Protocol (MCP) server that exposes 15 abilities to any MCP-compatible AI agent. Agents can create payment forms from a natural-language prompt, query payments and customers, create and send invoices, bulk-generate coupon codes, and manage subscriptions — all without writing custom code. [Learn more](https://docs.wpsmartpay.com/en/mcp?utm_source=readme&utm_medium=link&utm_campaign=plugin-readme&utm_content=faq-mcp)

= What PHP version is required? =
PHP 8.1 or higher. WordPress 6.0 or higher.

== Screenshots ==
1. Dashboard - revenue overview, payment stats, and a quick-start checklist.
2. Payment form builder with native Gutenberg blocks and a checkout layout picker.
3. Form template library - pick a template or start from scratch.
4. Invoice management - create, send, and track invoices.
5. Payment gateway settings - connect PayPal, Stripe, Authorize.net, and more.
6. Reports dashboard with revenue charts and payment metrics.
7. Anti-spam settings for Turnstile, hCaptcha, and reCAPTCHA v3.
8. Guided onboarding wizard for new users.
9. Support page with system info, docs, and debug log.
10. Payment form preview

== Changelog ==

= 3.1.0 =
* New - Per-form Checkout Layout setting (stacked or split) and a "Require Login to Checkout" toggle
* Fix - Prevent a fatal error when WP_Filesystem fails to initialize while writing to the debug log
* Fix - Single-gateway checkout no longer shows a bare "Pay Now" button with no payment fields
* Fix - Payment form preview no longer shows stale settings from an incomplete autosave
* Update - Refreshed readme and plugin screenshots

= 3.0.1 =
* New - Logo and banners added to plugin assets

= 3.0.0 =
* New - Rebuilt Gutenberg payment form builder with live block preview
* New - Form template library with ready-made templates across categories
* New - Invoice management: create, send, and track invoices from WP admin
* New - Advanced reports dashboard with revenue charts and date-range filters
* New - Anti-spam control: Cloudflare Turnstile, hCaptcha, reCAPTCHA v3
* New - Tax control system: percentage and fixed-amount rates, global or per-form
* New - Redesigned email templates with subject, heading, and content controls
* New - Dashboard redesign: revenue overview, recent payments, quick actions
* New - Guided onboarding wizard for currency, pages, and gateway setup
* New - Support page: system info, documentation links, and debug log
* New - Payment gateways managed from Settings - Payment Gateways; Pro gateway locked cards shown when Pro is not active
* New - Legacy form migrator: recovers pre-3.0 forms with stale block markup
* Improved - Entire admin UI redesigned with a modern, accessible interface
* Improved - Subscriptions, Payments, Customers, Coupons, Integrations, and Settings pages redesigned for speed and usability
* Fix - Legacy form builder no longer shows "invalid content" for migrated forms
* Fix - Pricing and submit blocks rebuilt to match current native form format

= 2.8.3 =
* Security - Direct file access protection added to all PHP files
* Fix - PHP 8.1 nullable parameter compatibility in framework classes
* Fix - WordPress Plugin Check compliance: escaping, i18n, sanitization
* Update - Tested up to WordPress 6.9

= 2.8.2 =
* Fix - Broken form issue

= 2.8.1 =
* Feature - Coupon validation (frontend and backend)
* Fix - Compatibility issue with Pro version
* Fix - Deprecation issues
* Update - Coupon list UI and UX
* Update - Documentation link

= 2.8.0 =
* Fix - Major security issues (nonces, escaping, sanitization)
* Fix - Deprecation issues
* Fix - Text domain warnings

= 2.7.13 =
* Fix - Input sanitization for form submission
* Fix - Text domain warning

= 2.7.12 =
* Fix - Add instructions to enable payment gateways in Pro version

= 2.7.0 =
* Add - Paytm payment gateway

= 2.6.7 =
* Add - toyyibPay payment gateway

= 2.6.1 =
* New - Mollie payment gateway
* New - Register custom payment gateway hook

= 2.5.0 =
* Add - Razorpay payment gateway

= 2.4.0 =
* New - Coupon system
* New - MailerLite integration
* New - Onboarding welcome flow

= 2.0.0 =
* New - Debug log settings
* New - Customer details page
* New - Monthly report page

= 1.1.0 =
* New - ReactJS admin SPA
* New - Gutenberg form builder
* New - Dashboard

= 1.0.0 =
* Initial stable release

== Upgrade Notice ==

= 3.1.0 =
Adds a split checkout layout and require-login option for payment forms, plus a fix for a rare fatal error in debug logging. No database changes.

= 3.0.1 =
Minor update: adds plugin logo and banners. No database changes.

= 3.0.0 =
Major release: rebuilt form builder, invoice management, anti-spam, tax, redesigned dashboard and UI. All existing forms are automatically migrated.
