=== Splitit ===
Contributors: splitit
Tags: ecommerce, e-commerce, checkout, payment, Splitit
Requires at least: 5.6
Tested up to: 6.9
Requires PHP: 7.0
WC requires at least: 6.0
WC tested up to: 10.4.3
Stable tag: 6.2.0
License: GPLv3
License URI: http://www.gnu.org/licenses/gpl-3.0.html

Enables offering shoppers monthly payments on their existing Visa and Master Card credit cards in WooCommerce - Level 1 PCI DSS compliant

== Description ==

**Splitit – Interest-Free* Monthly Payments plugin for WooCommerce**<br/>
<br/>
Empower your customers with a seamless, interest-free* installment payment option—without applications, hidden fees, or new credit lines.
<br/>
Unlike traditional "Buy Now, Pay Later" (BNPL) providers, <a href="https://www.splitit.com/">**Splitit**</a> lets shoppers use their existing credit cards to split payments over time—**without taking out a new loan**. With our white-label technology, the entire payment experience stays within your WooCommerce checkout, keeping your customers engaged with your brand.
<br/>
**How It Works:**
<br/>
&nbsp;&nbsp;1. Shoppers select **‘Monthly Credit Card Payments’** at checkout.
&nbsp;&nbsp;2. They enter their existing credit card details and choose their installment plan.
&nbsp;&nbsp;3. That’s it—no applications, approvals, or added interest.
&nbsp;&nbsp;4. Splitit charges their credit card automatically each month, according to their plan.
<br/>
Since payments are automatically charged to their credit card, customers keep enjoying their existing card benefits, including rewards, cashback, and points.
<br/>
**Seamless Checkout Experience:**
<br/>
**No applications or redirects**—everything happens within your WooCommerce store.
**No extra buttons or third-party branding**—your checkout stays clean and on-brand.
**No technical lift required**—once your account is approved and set up, you can just install and go.
**Easy, transparent payments**—installments appear on the shopper’s regular credit card statement under your store name.
<br/>
**Why Merchants Love Splitit:**
<br/>
**Boost Sales & Conversions** – Offer flexible payments with high approval rates over 85%.
**Higher Average Order Value (AOV)** – Shoppers spend more when they can spread payments on their existing credit card.
**Stronger Brand Loyalty** – Maintain direct customer relationships.
**Better Alternative to Discounts** – Offer affordability without cutting prices.
<br/>
**Full Customization for Merchants:**
<br/>
**Set Flexible Installment Options** – Offer different plans based on purchase amounts.
**Choose Payment Frequency** – Monthly or biweekly options available.
**Easy Promotional Messaging** – Add customizable banners, strips, and messaging across your site to highlight installment options and boost conversions. All to your brand specifications.
<br/>
**Additional Benefits:**
<br/>
**Zero Credit Risk** – Transactions are validated and guaranteed by the credit card issuer.
**Flexible Payouts** – Choose to receive payments upfront or in installments.
**PCI DSS L1 V4.0.1 Compliant** – Secure and fully pre-integrated with major credit card processors and gateways.
<br/>
*Standard Credit Cards T&Cs apply.

== Installation ==
1. Requires WooCommerce extension to be installed/updated at least to 5.5 version first! 
https://wordpress.org/plugins/woocommerce/
2. Upload `splitit` folder to the `/wp-content/plugins/` directory.
3. Activate the plugin through the 'Plugins' menu in WordPress.
4. Enable the module in WooCommerce -> Settings -> Payments -> Splitit (tab) and log in to your merchant account before it appears on the checkout page.

<a href="https://merchant.splitit.com/" target=_blank>Register for Free</a><br>
<a href="https://www.splitit.com/">Read more about Splitit</a>


== Screenshots ==

1. General settings
2. Cart page
3. Splitit payment method on checkout
4. Order success page
5. Admin Order page
6. Customer charge action

== Changelog ==

= 6.2.0 - 2026-02-04
Code improvements and bug fixes
Tested compatibility with WordPress version 6.9 and WooCommerce version 10.4.3

= 6.1.0 - 2025-12-08
The authorization process on the plugin settings page has been optimized
Improved behavior of On-Site Messaging display based on the total amount range in the plugin settings
Code improvements and bug fixes

= 6.0.0 - 2025-09-08
Revert version with new SDK

= 5.0.0 - 2025-09-03 =
Implemented new version of the SDK
Code improvements and bug fixes

= 4.3.0 - 2025-08-26
Fixed postcode validation to respect the selected country’s address requirements
Tested compatibility with WordPress version 6.8.2 and WooCommerce version 10.1.1

= 4.2.9 - 2025-05-21 =
Code improvements and bug fixes
Tested compatibility with WordPress version 6.8 and WooCommerce version 9.8.5

= 4.2.8 - 2025-04-09 =
Added the ability to configure the number of installments for On-Site Messaging
Added the ability to customize the desired order status after creation
Added compatibility with Phone Validator for WooCommerce plugin
Added compatibility with Checkout Field Editor for WooCommerce plugin
Code improvements and bug fixes
Tested compatibility with WordPress version 6.8 and WooCommerce version 9.8.1

= 4.2.7 - 2025-02-19 =
Code improvements and bug fixes
Tested compatibility with WordPress version 6.7.2 and WooCommerce version 9.6.2

= 4.2.6 - 2025-02-10 =
Code improvements and bug fixes
Tested compatibility with WordPress version 6.7.1 and WooCommerce version 9.6.0

= 4.2.5 - 2024-12-23 =
Fixed incompatibility with Woocommerce Features
Code improvements and bug fixes

= 4.2.4 - 2024-11-29 =
On-Site Messaging improvements for Shop page
VIS support for On-Site Messaging
Code improvements and bug fixes

= 4.2.3 - 2024-11-05 =
Added Cart and Checkout Blocks compatibility
VIS support
Added `splitit_woocommerce_after_checkout_validation_passed` filter to allow developers to add custom validation logic for checkout fields after the default validation passes.
Code improvements and bug fixes

= 4.2.2 - 2024-10-29 =
Added compatibility for multisites
Code improvements and bug fixes
Tested compatibility with WordPress version 6.6.2 and Woocommerce version 9.3.3

= 4.2.1 - 2024-09-11 =
Rebranding
Code improvements and bug fixes

= 4.2 - 2024-09-04 =
A new API for the login process has been implemented
Code improvements and bug fixes
Tested compatibility with WordPress version 6.6.1 and Woocommerce version 9.1.4

= 4.1.9 - 2024-08-05 =
Improvements in the refund process

= 4.1.8 - 2024-07-09 =
Code improvements and bug fixes

= 4.1.7 - 2024-07-01 =
Added the ability to configure the refund strategy
Tested compatibility with WordPress version 6.5.3 and Woocommerce version 8.9.1
Code improvements and bug fixes

= 4.1.6 - 2024-05-15 =
Code improvements and bug fixes
Tested compatibility with WordPress version 6.5.2 and Woocommerce version 8.8.2

= 4.1.5 - 2024-03-18 =
Code improvements and bug fixes
Tested compatibility with Woocommerce version 8.6.1

= 4.1.4 - 2024-02-27 =
Added async logic for refunds
Tested compatibility with WordPress version 6.4.3 and Woocommerce version 8.4.0

= 4.1.3 - 2023-10-23 =
Some minor code improvements and bug fixes
Tested compatibility with WordPress version 6.3.2 and Woocommerce version 8.2.1

= 4.1.2 - 2023-08-07 =
Some minor code improvements and bug fixes

= 4.1.1 - 2023-07-31 =
Some minor code improvements and bug fixes

= 4.1.0 - 2023-07-19 =
Added minimum supported PHP version 7.2

= 4.0.0 - 2023-07-05 =
Added minimum supported PHP version 8.1
Implemented a new design and new logic for the plugin settings page with authorization through the Splitit Merchant Portal.
Implemented new On-Site Messaging.
Implemented new version of the SDK based on a new version of the API v.3
Tested compatibility with WordPress version 6.2.2 and Woocommerce version 7.7.2
Some minor code improvements and bug fixes

= 3.3.2 - 2023-06-28 =
Added update interruption in case of PHP version mismatch

= 3.3.1 - 2023-06-27 =
Rollback version with php-7 compatibility

= 3.3.0 - 2023-06-26 =
Implemented a new design and new logic for the plugin settings page with authorization through the Splitit Merchant Portal.
Implemented new On-Site Messaging.
Implemented new version of the SDK based on a new version of the API v.3
Tested compatibility with WordPress version 6.2.2 and Woocommerce version 7.7.2
Some minor code improvements and bug fixes

= 3.2.2 - 2022-06-23 =
Tested compatibility with WordPress version 6.0 and Woocommerce version 6.5.1
Fix a bug with incorrect displaying UM in footer on some pages
Fix a bug with generating empty cell in shop table on cart page
Some minor code improvements and bug fixes

= 3.2.2 - 2022-05-16 =
Fix the problem of canceling the plan due to incorrect VAT calculation
Fix a bug with switching payment methods on the checkout page
Added notification to the internal Splitit Slack channel and internal Splitit API about activate / deactivate the plugin
Added logic for UM with the "Enable Splitit per product" setting
Improved FlexField logic when "Enable Splitit per product" setting
Some minor code improvements and bug fixes

= 3.2.1 - 2022-03-27 =
Upstream message on checkout page
Check cart total for display upstream message on product page
Some minor code improvements and bug fixes
Improved code style quality

= 3.2.0 - 2022-02-21 =
Fix issue with order success page
Fix issue on order pay page
Fix fatal error: Cannot redeclare GuzzleHttp\describe_type()
Fix display payment if settings empty
Fix async order creation process
Compatibility with "WooCommerce TM Extra Product Options" plugin
Compatibility with "WooCommerce Multilingual" plugin
Compatibility with "Speed Booster Pack" plugin
Compatibility with "WooCommerce Avatax" plugin
Add a link to documentation (on plugin settings page)
Some minor code improvements and bug fixes
Improved code style quality

= 3.1.1 - 2021-11-22 =
Minor code improvements and bug fixes

= 3.1.0 - 2021-11-11 =
Allow merchant to choose the num of installments to divide the upstream messages
Compatibility with "WooCommerce Smart COD" plugin
Added a new Feature to enable Splitit per product
Add logo to checkout
Fix upstream messages init on the product page
Fix fatal error "Call to a member function is_type() on null"
Fix display price in UM (£NaN/month)
Fix issue with optional values in billing address
Improved code style quality

= 3.0.1 - 2021-10-01 =
Updated cart and product page upstream messages
Added custom checkout loader
Changed function for get total price for multi currency plugins
Added settings with position of the upstream messages
Some minor code improvements and bug fixes
