=== PayXpert Payment Solution ===
Contributors: payxpert
Tags: woocommerce, payment gateway, credit cards, subscriptions, installments
Requires at least: 6.0
Tested up to: 7.0
Requires PHP: 7.4
Stable tag: 2.3.2
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
WC requires at least: 7.6.0
WC tested up to: 10.6.1

Accept cards, Apple Pay and Google Pay, subscriptions, and installment payments through a flexible WooCommerce checkout experience.

== Description ==

PayXpert Payment Solution gives WooCommerce merchants a simple and flexible way to accept payments, improve the checkout experience, and manage transactions from a single integration.

Give customers the freedom to pay using cards, Apple Pay, Google Pay, installment payments, or recurring payments. The plugin supports both hosted payment pages and an embedded checkout experience, allowing merchants to choose the payment flow that best fits their business and customers.

Designed for fast implementation and day-to-day simplicity, the plugin connects WooCommerce to a secure and scalable payment infrastructure. Payment settings and transactions can be managed directly from WooCommerce, while additional monitoring and management capabilities are available through the payment Back Office.

From growing online stores to more complex multi-store environments, the solution helps merchants reduce checkout friction, adapt to customer payment preferences, and manage the full transaction lifecycle.

= Key features =

* Card payments, including Visa, Mastercard, CB, and American Express
* Apple Pay and Google Pay
* Installment and split payments
* Subscription and recurring payments
* Pay-by-link functionality
* Full and partial refunds
* Hosted payment pages and embedded iframe checkout
* Strong Customer Authentication with 3D Secure
* Multi-currency support
* Automatic transaction synchronization
* Dynamic payment method display
* Accessible payment page options
* Transaction management from WooCommerce
* Additional monitoring capabilities in the payment Back Office

= About PayXpert =

PayXpert provides omnichannel payment solutions for merchants operating online and in-store. Its services are designed to support payment performance, fraud prevention, cross-border commerce, and accessible payment experiences.

PayXpert works with local and international merchants across a range of industries, helping them manage payments and support customers across multiple markets and sales channels.

= Account requirements =

An active PayXpert account and valid API credentials are required to process payments. Credentials are provided after service activation.

In the plugin configuration:

* The Public API Key field corresponds to the Originator ID.
* The Private API Key field corresponds to the API key provided for that Originator.

= Technical requirements =

* PHP 7.4 or higher
* WordPress 6.0 or higher, tested up to 7.0
* WooCommerce 7.6.0 or higher, tested up to 10.6.1

= Documentation and support =

* [User guide](https://payxpert-docs.atlassian.net/wiki/spaces/docs/pages/770768897/WooCommerce+Plugin+User+Guide)
* [Demo video](https://www.youtube.com/watch?v=jo24D41lePw)
* [PDF guide](https://www.payxpert.com/wp-content/uploads/2026/06/WooCommerce-readme-EN.pdf)
* [Demo site](https://sg-online.payxpress.io/)
* Support: assistance@payxpert.com

== Installation ==

= Important information for version 1 users =

Version 2 is a standalone version and is not an in-place update of version 1. Before installing version 2 for the first time, deactivate and remove version 1.

This does not apply to normal updates between version 2 releases, such as an update from 2.3.1 to 2.3.2.

= Install from the WordPress administration area =

1. Log in to the WordPress administration area.
2. Go to *Plugins > Add New Plugin*.
3. Select *Upload Plugin*.
4. Select the plugin ZIP file.
5. Select *Install Now*, then activate the plugin.
6. Go to *WooCommerce > Settings > Payments > PayXpert*.
7. Enter the Originator ID in the Public API Key field.
8. Enter the related API key in the Private API Key field.
9. Save the settings and configure the required payment methods.

= Manual installation =

1. Extract the plugin ZIP file.
2. Copy the plugin folder to `/wp-content/plugins/`.
3. In the WordPress administration area, go to *Plugins > Installed Plugins*.
4. Find PayXpert Payment Solution and select *Activate*.
5. Complete the configuration under *WooCommerce > Settings > Payments > PayXpert*.

== Frequently Asked Questions ==

= Is a PayXpert account required? =

Yes. An active PayXpert account and valid API credentials are required before the plugin can process payments.

= Which payment methods are supported? =

The plugin supports cards, Apple Pay, Google Pay, installment payments, pay by link, subscriptions, and recurring payments, subject to the services enabled for the merchant account.

= Which checkout modes are available? =

The plugin supports hosted payment pages using a redirect and an embedded checkout experience using an iframe.

= Where can I find my API credentials? =

Credentials are provided after service activation. Use the Originator ID as the Public API Key and the related API key as the Private API Key.

= Does the plugin support refunds? =

Yes. Full and partial refunds are supported.

= Can I update directly from version 1 to version 2? =

No. Version 2 is a standalone version. Deactivate and remove version 1 before installing version 2 for the first time. Normal updates between version 2 releases do not require this migration procedure.

= Where can I get help? =

Use the contact form available on the plugin configuration page, consult the user guide linked in the Description section, or contact assistance@payxpert.com.

== Screenshots ==

1. Plugin settings, merchant account connection, and integrated support form.
2. Payment method customization and installment payment settings.
3. Subscription and transaction management from the WooCommerce Back Office.
4. Responsive checkout with Apple Pay, dark mode, and accessibility options.
5. Transaction monitoring with advanced filters and light and dark display modes.
6. PayXpert Back Office home page.

== Changelog ==

= 2.3.2 - 2026-07-01 =

* Added marketplace documentation and license files.
* Added local quality checks for PHP and WooCommerce coding standards.
* Fixed a duplicated country calling code in shopper phone data.
* Fixed nullable parameter declarations for PHP 8.4 compatibility.
* Hardened the Back Office support form and credential storage.
* Improved protection against cross-site scripting (XSS).
* Improved nonce validation and logging for security and marketplace compliance.
* Updated admin notice persistence for compatibility with WordPress 6.8 and later.
* Updated WordPress and WooCommerce compatibility headers.
* Removed the obsolete Pay-by-Link payment processing method.
* Removed the Fintecture banner from the plugin configuration page.

= 2.3.1 - 2026-05-22 =

* Added a customizable front-office label for subscription payments.
* Updated WooCommerce Blocks JavaScript to comply with React rules.
* Fixed order placement compatibility across WooCommerce versions.
* Fixed the redirect after a 3D Secure payment.
* Improved redirection when a payment issue occurs.
* Updated the mixed cart error message for standard and subscription products.
* Updated a configuration label.
* Improved security for order verification endpoints after iframe payments.
* Improved IPN and front-office security.
* Removed the token refresh endpoint.

= 2.3.0 - 2026-04-24 =

* Added subscription payments.
* Added the ability for merchants to disable a customer subscription from the Back Office subscription list.
* Added subscription information to the checkout cart.
* Added refunds for subscription occurrences through the alternate API.
* Fixed translations for subscription data on variable products.
* Fixed refund transaction display in subscription details.
* Fixed order statuses when automatic subscription payments fail.
* Prevented adding a subscription to a cart that already contains another subscription.

= 2.2.3 - 2026-03-20 =

* Updated the iframe flow to wait for Back Office order confirmation before starting payment.
* Added cardholder name collection to the iframe flow.
* Redirected guest customers to the order payment page when payment fails.
* Fixed payment method status display on the Payments page.
* Cleared the IPN response buffer to prevent unexpected JSON output.

= 2.2.2 - 2026-01-13 =

* Added Pay-by-Link support for failed orders.
* Temporarily disabled Apple Pay in seamless mode.
* Fixed the Apple Pay logo and display in seamless mode.

= 2.2.1 - 2025-12-19 =

* Fixed a checkout error for guest customers.
* Prepared the Apple Pay enablement variable for seamless JavaScript.

= 2.2.0 - 2025-12-15 =

* Fixed the post-3D Secure flow in seamless mode.
* Updated payment method logo display so American Express appears only when enabled.
* Added dynamic seamless JavaScript version management through account information.
* Removed additional checkout fields for card payments in redirect mode.

= 2.1.0 - 2025-11-10 =

* Added available customer information in seamless mode.
* Fixed processing status for orders containing virtual products.
* Updated the conditions for sending Pay-by-Link payments.

= 2.0.0 - 2025-08-27 =

* Added the WooCommerce version to the plugin information section.
* Added the plugin readme.
* Added a link to the WooCommerce plugin user guide.
* Removed Alipay and WeChat settings pending a future update.

== Upgrade Notice ==

= 2.3.2 =

Security, compatibility, and marketplace compliance improvements. Updating is recommended for all version 2 users.
