=== Wallet Up - Cash App, Venmo, PayPal, Zelle & QR Code Payments ===
Contributors: walletup, freemius
Tags: payment gateway, cash app, venmo, qr code, woocommerce
Requires at least: 5.8
Tested up to: 7.0
Requires PHP: 8.1
Stable tag: 5.5.15
License: GPLv3
License URI: https://www.gnu.org/licenses/gpl-3.0.html
Donate Link: https://walletup.app/donate

Accept Cash App, Venmo, PayPal, Zelle & Meta Pay on your WordPress site. QR code payments, WooCommerce checkout integration, and shortcodes.

== Description ==

**Wallet Up** is the easiest way to accept peer-to-peer payments on WordPress. Add Cash App, Venmo, PayPal, Zelle, and Meta Pay to any page, post, or WooCommerce checkout with a simple shortcode or the built-in payment gateway.

Customers scan a QR code or click a payment link — no merchant account, no monthly fees, no middleman. Payments go directly to your Cash App, Venmo, PayPal, or Zelle account.

= Accept Cash App Payments on WordPress =

Generate a Cash App QR code that customers scan to pay you instantly. Works on any page via shortcode or at WooCommerce checkout as a payment gateway.

= Accept Venmo Payments on WordPress =

Add Venmo as a payment option with auto-generated QR codes and deep links that open the Venmo app directly on mobile devices.

= Accept PayPal Payments Without a Business Account =

Use your personal PayPal.me link to accept payments via QR code. No PayPal Business account or API keys required.

= Accept Zelle Payments on WordPress =

Bank-specific QR codes that open directly in your customer's banking app — Chase, Bank of America, Wells Fargo, Citi, Capital One, and more.

= WooCommerce Payment Gateway =

Wallet Up registers as a full WooCommerce payment gateway. Customers select their preferred payment method at checkout, scan the QR code, and confirm payment. Orders are tracked automatically.

* **Grouped mode** — all methods under one "Wallet Up" gateway
* **Individual mode** — each method as its own checkout option
* **Mixed mode** — choose which methods appear individually vs. grouped
* **WooCommerce Blocks** — fully compatible with the new block-based checkout
* **Per-method discounts** — offer percentage or fixed discounts for specific payment methods
* **Custom titles, descriptions, and instructions** per payment method

= QR Code Payments =

Every payment method automatically generates a scannable QR code. Customers scan with their phone camera — no app download required. QR codes are styled to match your brand with customizable colors, sizes, and logos.

= Shortcode System =

Embed payment buttons and QR codes anywhere with simple shortcodes:

`[walletup method="cashapp" amount="25"]`
`[walletup method="venmo" amount="50"]`
`[walletup method="paypal" amount="100"]`

= Who Is Wallet Up For? =

* **Freelancers** — add a payment QR code to your portfolio or invoicing page
* **Small businesses** — accept mobile payments without processing fees
* **Nonprofits** — collect donations via Cash App, Venmo, or PayPal
* **WooCommerce stores** — offer Cash App and Venmo alongside traditional payment gateways
* **Service providers** — let clients pay via QR code after a consultation
* **Event organizers** — collect registration fees or ticket payments
* **Content creators** — accept tips and support from your audience

= Pro Features =

Upgrade to [Wallet Up Pro](https://walletup.app/) for advanced capabilities:

* **20 payment methods** — add Bitcoin, Ethereum, USDT, USDC, BNB, Dogecoin, and 7 African mobile money providers
* **Advanced QR Code Studio** — custom logos, colors, styles (rounded, dot, circular), SVG export
* **URL Shortener** — branded short links with real-time click analytics
* **Donation System** — customizable donation pages with campaigns, donor management, and tax receipts
* **WPForms Integration** — add payment options to any form
* **Digital Business Cards** — scannable vCards with embedded payment links
* **Analytics Dashboard** — track QR scans, link clicks, impressions, and conversion rates
* **Per-method checkout customization** — discount badges, custom order statuses, min/max amounts
* **Automated payment verification** — Stripe card payments with 3D Secure
* **Mobile Money for Africa** — M-Pesa, Orange Money, MTN MoMo, Wave, Airtel Money, and more

== Installation ==

= Automatic Installation =

1. Go to **Plugins > Add New** in your WordPress dashboard
2. Search for **"Wallet Up"**
3. Click **"Install Now"** then **"Activate"**
4. Go to **Wallet Up** in your admin menu
5. Enter your Cash App, Venmo, or PayPal username
6. Use the shortcode `[walletup method="cashapp" amount="25"]` on any page

= WooCommerce Setup =

1. Activate WooCommerce
2. Go to **Wallet Up > Payments > WooCommerce** tab
3. Enable the gateway and configure your payment methods
4. Customers will see Wallet Up payment options at checkout

= Requirements =

* WordPress 5.8+
* PHP 8.1+
* MySQL 5.7+
* SSL certificate recommended

== Frequently Asked Questions ==

= Which payment methods does Wallet Up support? =

The free version supports **Cash App, Venmo, and PayPal**. The Pro version adds Zelle, Meta Pay, Bitcoin, Ethereum, USDT, USDC, BNB, Dogecoin, and 7 mobile money providers (20 methods total).

= Do I need a merchant account or API keys? =

No. Wallet Up uses your existing Cash App, Venmo, or PayPal username to generate payment links and QR codes. Payments go directly to your personal account. No API keys, no merchant account, no monthly fees.

= Does it work with WooCommerce? =

Yes. Wallet Up registers as a native WooCommerce payment gateway and is fully compatible with both the classic checkout and the new WooCommerce Blocks checkout.

= Can I offer discounts for specific payment methods? =

Yes (Pro). You can set a percentage or fixed-amount discount per payment method. For example, offer 5% off for Cash App payments to encourage customers to use your preferred method.

= How do customers pay? =

Customers scan a QR code with their phone camera or click a payment link. The payment app (Cash App, Venmo, PayPal) opens with the amount pre-filled. After paying, they confirm on your site.

= Is it secure? =

Payments are processed entirely through the official payment provider apps (Cash App, Venmo, PayPal). Wallet Up never touches or stores card numbers or bank details. The plugin has been audited for OWASP Top 10 vulnerabilities.

= Can I customize the QR code appearance? =

The free version generates standard QR codes. Pro users can customize colors, add logos, choose from multiple styles (rounded, dot, circular), and adjust sizes.

= Does it work with WPForms? =

Yes (Pro). You can add Wallet Up payment fields to any WPForms form.

= Can I accept donations? =

Yes (Pro). The donation system includes customizable donation pages, campaign management, donor tracking, and tax receipt generation.

= Do you offer support? =

Yes. Free users can post in the [WordPress.org support forum](https://wordpress.org/support/plugin/wallet-up/). Pro users receive priority email support.

== Screenshots ==

1. Admin Dashboard — configure payment methods in seconds
2. WooCommerce Checkout — Cash App, Venmo, PayPal as payment options
3. QR Code Payment Display — customers scan to pay
4. Payment Method Configuration — enter your username, done
5. WooCommerce Thank You Page — order confirmation with QR code
6. Shortcode Builder — generate embed codes for any page
7. Advanced QR Code Studio — custom logos, colors, and styles (Pro)
8. Analytics Dashboard — track scans, clicks, and conversions (Pro)
9. Donation System — customizable donation pages (Pro)
10. WPForms Integration — payment fields in forms (Pro)

== Changelog ==

= 5.5.15 - April 30, 2026 =

* Improved: Free vs Pro method classification is now resolved from the central payment method config, so newly added Pro methods are recognized automatically without code changes

= 5.5.14 - April 30, 2026 =

* Fixed: Free version no longer shows shortcode templates that include Pro-only payment methods (Zelle, Meta Pay, crypto)
* Fixed: When a Pro-only shortcode is previewed in the free version, the error now clearly says it requires Pro instead of "Payment method not found"

= 5.5.13 - April 30, 2026 =

* New: After two weeks of using the plugin, an admin notice asks whether you'd like to leave a review. Dismissible, never repeats once you say no thanks.

= 5.5.12 - April 30, 2026 =

* Improved: Plugin header now reports tested up to WordPress 7.0

= 5.5.11 - April 30, 2026 =

* Fixed: The free version no longer shows a WooCommerce checkout setup step in the setup assistant — that step is for the Pro version

= 5.5.10 - April 28, 2026 =

* Fixed: Clicking "Place Order" now also runs the PayPal card payment, so customers don't have to click "Pay with card" first
* Fixed: Customers no longer have to click twice to finish a PayPal payment — the order is placed automatically once payment is approved
* Improved: Card flow now shows "Completing order…" while finishing, so customers know it's working

= 5.5.8 - April 27, 2026 =

* Fixed: Paying by card at WooCommerce checkout no longer gets stuck on "Authorized — placing order…"
* Fixed: Card payments now correctly authorize against PayPal in sandbox and live
* Improved: Card errors are now shown clearly and the Pay button resets so customers can try again

= 5.5.7 - April 27, 2026 =

* Fixed: Activating the Pro version no longer fails with an error when the free version is also installed
* Fixed: Removing the free version no longer cancels your Pro subscription
* Improved: The free version now stays out of the way automatically when Pro is active

= 5.5.6 - April 25, 2026 =

* New: PayPal at checkout now shows the official PayPal button and card fields
* New: Cash App Pay at checkout now shows the official Cash App Pay button
* New: Venmo at checkout now shows the official Venmo button
* Fixed: Browser cache could keep showing old payment buttons after an update

= 5.5.5 - April 23, 2026 =

* New: Payments page shows how many methods are enabled, set up, and live at checkout
* Improved: Setup Assistant only enables a method at checkout when its account details are filled in
* Improved: Methods missing account details are clearly marked during setup
* Fixed: Methods now appear at checkout as soon as they're set up
* Fixed: WooCommerce → Payments no longer lists methods that aren't configured
* Fixed: Per-Method Customization now correctly overrides the title and description shown at checkout
* Improved: Individual-mode checkout now shows the step-by-step "How to pay" guide

= 5.5.4 - April 23, 2026 =

* New: Clear step-by-step "How to pay" guide on the WooCommerce thank-you page — shown for every payment method, even without admin configuration
* Improved: Payment instructions now show your actual username, cashtag, or address automatically

= 5.5.3 - April 21, 2026 =

* New: Dedicated Shortcodes menu with a built-in builder and templates
* New: Seller menu for WooCommerce sites
* Changed: Default QR style is now square with a white background
* Improved: Setup Assistant clearly separates Free and Pro features
* Improved: Wallet Up logo appears in the loading screen

= 5.5.2 - April 20, 2026 =

* New: Guided Setup Assistant for first-time activation
* Fixed: Short URL redirects (/go/*) now work correctly
* Fixed: Free version no longer shows Pro payment methods during setup

= 5.5.1 - April 18, 2026 =

* Fixed: Admin settings now save instantly — no more long delays on first load
* Fixed: Plugin can be deleted cleanly without errors
* Improved: Faster admin page load times

= 5.5.0 - April 16, 2026 =

**WooCommerce Discount System**
* New: Per-method discounts now work across all three checkout display modes (Grouped, Individual, Mixed)
* New: Discount badge in payment method labels — shows "(5% off)" or "($5 off)" next to the method name at checkout
* New: Global toggle + per-method override for discount badge visibility (Pro)
* New: Server-authoritative discount calculation eliminates race conditions between QR display and cart total
* Fixed: Discount applied correctly in WC Blocks checkout via Store API namespace registration
* Fixed: Stale discount no longer persists after page refresh — session cleared on fresh checkout load

**Variable Substitution**
* New: Template variables ({amount}, {method}, {currency}, {site_name}, {order_id}, {customer_name}) now work in all three contexts: checkout description, thank-you instructions, and order emails
* Fixed: {amount} renders as "$97.85" instead of "&#36;97.85" in React text contexts
* Fixed: {amount} renders bold in QR card and email HTML

**Order Status Sync**
* Fixed: WooCommerce orders now advance from on-hold to processing when payment is confirmed — works in Individual and Mixed display modes (previously only worked in Grouped)
* Fixed: WC Analytics tab excluded checkout-draft and failed orders from totals
* Fixed: "Completed" counter now includes both processing and completed WC order statuses

**Thank You Page**
* Improved: QR code, order reference chip, confirmation button, and verify form now stack in a centered 480px column instead of spreading across the full width

**Admin**
* Improved: Unified save orchestration — single "Saved" pill transition and single toast notification after all settings (accounts, display, WC, per-method) finish saving
* Fixed: Save button no longer shows "Saved" badge before all child saves complete

= 5.4.0 - April 8, 2026 =

**Payment Display Redesign**
* New: Payment method logo now appears above the QR code
* New: Method-colored accent bar at the top of the payment card
* New: Three new display toggles: Method Logo, Accent Color Bar, Powered by WalletUp
* New: Sticky save bar on the Payments page

**Auto-Save Reliability**
* Fixed: Rapid toggling of multiple switches no longer triggers overlapping saves

**Shortcode Builder**
* Fixed: Empty amount fields no longer produce invalid shortcodes
* Improved: Templates only show shortcodes for configured methods

= 5.3.0 - April 6, 2026 =

**Multiple Recipients**
* New: Each recipient can have its own payment addresses
* New: CSV import/export for bulk management
* New: "All Links" view for copying payment links

**WooCommerce Checkout**
* Fixed: Only configured payment methods appear at checkout
* Fixed: Confirmation form works correctly on thank-you page
* Fixed: Duplicate transaction prevention on payment confirmation

= 5.2.0 - March 24, 2026 =
* New: Wave (Cote d'Ivoire) as 8th mobile money provider (Pro)
* New: Native mobile money payment processing via provider APIs (Pro)
* New: Merchant balance dashboard (Pro)
* New: Shareable payment links from merchant portal (Pro)

= 5.1.5 - March 14, 2026 =
* New: Complete Donation V2 admin experience (Pro)
* Security: Webhook signature verification, encrypted credential storage, strengthened access control

= 5.1.0 - March 9, 2026 =
* Fix: Fatal error on sites without WooCommerce
* Fix: Responsive overflow on payment method grids

= 5.0.0 - March 8, 2026 =
* Major Release: Redesigned admin with unified Dashboard
* New: WooCommerce checkout display modes (Grouped, Individual, Mixed)
* New: Per-method checkout customization (title, description, instructions, order status)
* New: Live crypto exchange rates for 6 coins (Pro)
* New: Zelle deep linking to banking apps
* New: Mobile Money for Africa — 8 providers across Kenya, Cote d'Ivoire, Zambia (Pro)
* New: Stripe card payments at WooCommerce checkout (Pro)
* Fixed: URL shortener save and redirect reliability

= 4.3.4 - January 31, 2026 =
* Compatibility adjustment

= 4.3.3 - January 13, 2026 =
* Enhanced: ZenithQR Generator redesigned with responsive layout (Pro)
* WordPress 6.9+ compatibility

= 4.3.1 - November 7, 2025 =
* New: Multi-language translation system (6+ languages)
* New: Cryptocurrency exchange rate management (Pro)

= 4.3.0 - August 1, 2025 =
* New: ZenithQR Preview (Pro)
* New: SEO configuration for donation pages (Pro)
* Fixed: WooCommerce install link for subdomain installations

= 4.2.0 - May 11, 2025 =
* New: Premium Hub dashboard with health monitoring (Pro)
* Enhanced: Payment method performance tracking

= 4.1.0 - March 29, 2025 =
* New: Digital Business Card Generator (Pro)
* New: Advanced QR Code Customization with logo support (Pro)
* New: URL Shortener with real-time analytics (Pro)
* Enhanced: WooCommerce Blocks API support

= 4.0.0 - January 4, 2025 =
* Major release: Complete React-based admin interface
* Requires WordPress 5.8+ and PHP 8.1+

= 3.4.0 - November 19, 2024 =
* Replaced deprecated QR code API

= 3.2.0 - July 02, 2023 =
* New: Meta Pay (formerly Facebook Pay) integration

= 3.1.0 - May 07, 2023 =
* New: Zelle integration

= 3.0.0 - February 18, 2023 =
* Initial release with Cash App, Venmo, and PayPal support

== Upgrade Notice ==

= 5.5.15 =
Internal cleanup so future payment methods are tier-classified automatically.

= 5.5.14 =
Fixes Zelle and other Pro-only methods showing in free version shortcode templates.

= 5.5.13 =
Adds a polite, dismissible review request after two weeks of use.

= 5.5.12 =
Confirms compatibility with WordPress 7.0.

= 5.5.11 =
Setup assistant now correctly skips the WooCommerce checkout step in the free version.

= 5.5.10 =
"Place Order" now finishes PayPal card payments in one click — customers no longer need to click "Pay with card" first.

= 5.5.8 =
Fixes a stuck "Authorized — placing order…" state when paying by card at checkout.

= 5.5.7 =
Fixes activation conflicts between the free and Pro versions. Removing the free version no longer affects your Pro subscription.

= 5.5.6 =
PayPal, Cash App, and Venmo now show their real payment buttons at checkout.

= 5.5.5 =
Clearer setup status on the Payments page and fewer surprises at checkout.

= 5.5.4 =
Customers now get clear, step-by-step payment instructions at WooCommerce checkout.

= 5.5.3 =
New Shortcodes and Seller menus, updated QR defaults, and a cleaner guided setup.

= 5.5.2 =
First-run Setup Assistant, short-URL redirect fix, and cleaner Free/Pro separation.

= 5.5.1 =
Faster admin settings and reliable plugin deletion.

= 5.5.0 =
Per-method discounts now work in all WooCommerce display modes. Discount badges show in payment labels. Order status sync fixed for Individual/Mixed modes. Template variables work in checkout, thank-you, and emails.

= 5.0.0 =
Major redesign with new Dashboard, WooCommerce checkout customization, live crypto rates, Zelle deep linking, and mobile money support. Backup before upgrading.

== Privacy Policy ==

Wallet Up respects user privacy:

* No personal data is collected beyond what payment functionality requires
* Analytics data is stored locally on your server
* No data is sent to external services without consent
* QR codes are generated server-side — no third-party QR APIs
* All tracking features can be disabled

For privacy questions, contact privacy@walletup.app.

== Disclaimers ==

Wallet Up is not affiliated with, endorsed by, or sponsored by any payment provider. All trademarks belong to their respective owners.

Cash App is a trademark of Block, Inc. Venmo and PayPal are trademarks of PayPal, Inc. Zelle is a trademark of Early Warning Services, LLC. Meta Pay is a trademark of Meta Platforms, Inc.
