{"active_installs":10,"added":{"timestamp":1654560000,"timezone":"UTC"},"author":"BANKpay+ by K42.ventures","author_profile":{"url":"https://profiles.wordpress.org/bankpay/","alt":"BANKpay+ by K42.ventures"},"banners":[{"type":"high","url":"f"},{"type":"low","url":"https://ps.w.org/bankpay-open-banking-sepa-payments-for-woocommerce/assets/banner-772×250.png?rev=2738543"}],"changelog":"

1.7.4 – 2025-11-17

Enhancement: [EDIT THIS – Describe main enhancement]
Feature: [EDIT THIS – Describe new feature]
\n
Release Date: 2025-11-17
\n
\n
Enhancement: Comprehensive readme.txt formatting improvements
\n
Enhancement: Consistent emoji/icon usage throughout documentation
Enhancement: Improved visual hierarchy with icons for all sections
Enhancement: Better section organization with clearer navigation
Enhancement: Professional appearance optimized for WordPress.org plugin directory
Note: No code changes – documentation quality improvements only

1.7.3 – 2025-11-17

Enhancement: WordPress.org readme formatting improvements
Fix: Removed special character from plugin header
Fix: Converted bullet points to proper list format
Enhancement: Cleaned up changelog (removed duplicates and template text)

1.7.2 – 2025-11-17

Enhancement: Code style improvements (PHPCBF auto-fixes in main plugin file)
Enhancement: Fixed indentation in setup wizard and API client classes
Enhancement: Added automated release tooling for streamlined releases
Enhancement: Added comprehensive release process documentation
Technical: Applied WordPress coding standards fixes
Note: No functional changes – code quality improvements only

1.7.1 – 2025-11-17

Enhancement: Updated payment gateway descriptions with EU Late Payment Directive compliance
Feature: Smart payment reminders help merchants get paid faster
Feature: AI-powered invoice processing with auto-extract payment details
Feature: Invoice agent automatically processes uploaded invoices
Enhancement: Professional payment management improvements

1.7.0

Feature: Added full internationalization support for 6 European languages
Languages: German (de_DE), Italian (it_IT), Portuguese (pt_PT), Spanish (es_ES), Greek (el)
Translation: 309 translatable strings across PHP and JavaScript
Translation: Internationalized all JavaScript files with wp.i18n
Translation: Professional translations for all supported languages
Developer: Added translation infrastructure with POT template generation
Developer: Created Makefile commands for translation management (make translate, make compile-mo)
Documentation: Comprehensive translation README for contributors
Ready: WordPress.org language pack integration prepared
Release Date: 2025-10-26

1.6.5

Fix: Converted all code blocks in readme.txt to WordPress.org format (4-space indentation)
Fix: Removed triple backtick code fences that were rendering as literal text on plugin page
Enhancement: Code examples now render properly in preview boxes on WordPress.org (15 blocks)
Tooling: Added post-release validation script (bin/post-release-validation.sh) with 8 automated checks
Documentation: Added WordPress.org readme.txt formatting rules to WARP.md for AI coding agents
Quality: All code blocks validated: PHP examples, REST API calls, SQL schema, shell commands
Developer: Post-release script validates version consistency, secrets security, SVN status, plugin page availability
Release Date: 2025-10-26

1.6.1

Security: Critical security audit and hardening release
Security: Fixed input sanitization in webhook handler and admin forms
Security: Enhanced output escaping across all templates
Security: Improved nonce verification for all AJAX endpoints
Security: Added SQL injection prevention in analytics queries
Security: Strengthened capability checks for admin actions
Security: Added rate limiting for REST API endpoints
Security: Implemented webhook replay protection
Security: Enhanced CSRF protection for settings pages
Code Quality: Fixed critical coding standards violations
Testing: Verified all security fixes with automated test suite
Tooling: Security audit script validates OWASP best practices
Release Date: 2025-10-26

1.5.2

Documentation: Added comprehensive TESTING_GUIDE.md with unit, integration, E2E, and security testing procedures
Documentation: Created DEVELOPER_GUIDE.md for developer onboarding, architecture overview, and contribution guidelines
Documentation: Published API_INTEGRATION_GUIDE.md for step-by-step BANKpay+ API integration
Tooling: Automated test suite runner (bin/run-full-test-suite.sh) for comprehensive validation
Tooling: Pre-release checklist script (bin/pre-release-checklist.sh) for deployment validation
Tooling: Security audit script (bin/security-audit.sh) with OWASP-based checks
Code Quality: Fixed 400+ coding standards violations via PHPCBF
Enhancement: Enhanced WARP.md with detailed project structure for AI assistants
Maintenance: Updated all inline documentation and error handling
Testing: All unit and integration tests passing
Compatibility: Verified WordPress 6.7 and WooCommerce 9.0 compatibility
Release Date: 2025-10-26

1.6.0

Major: Redesigned onboarding experience with 3-step setup wizard (Welcome → Connect → Payout)
Major: Simplified gateway settings from 13 fields to 10 (7 essential + 3 advanced)
Feature: Interactive setup wizard with real-time validation and error handling
Feature: Admin notice on first install guides users to setup wizard
Feature: Connection status indicator in settings page showing API status, mode, and merchant ID
Feature: API key validation during setup with connectivity testing
Feature: IBAN validation using MOD-97 algorithm during setup
Feature: Account holder name validation (minimum 2 characters)
Enhancement: Unified API key field (auto-detects test vs live mode)
Enhancement: Gateway automatically enables after wizard completion
Enhancement: “Run Setup Wizard” button always accessible from settings
Enhancement: Skip wizard functionality with permanent dismissal option
Enhancement: Backward compatibility migration for v1.5.x settings
Enhancement: Visual error messages with clear, actionable feedback
Enhancement: Connection status with color-coded badges (test/live/enabled/disabled)
UX: Auto-populated form fields with sensible defaults (site name, etc.)
UX: Inline help text and dashboard links throughout wizard
UX: Responsive wizard design optimized for mobile devices
Developer: Public handle_auto_signup() method for programmatic onboarding
Developer: New CSS classes: .bankpay-connection-status, .bankpay-badge, .wizard-error
Security: Nonce verification on wizard skip action
Security: AJAX handler with capability checks for notice dismissal
Performance: Transient-based wizard completion tracking
Compatibility: Seamless migration from legacy test/live key structure
Docs: Comprehensive inline documentation for all wizard methods
Release Date: 2025-01-25

1.5.1

Bug Fix: Fixed critical issue where refund transactions were not being tracked in analytics
Bug Fix: Fixed incorrect processing time calculation that was using current timestamp instead of event timestamp
Enhancement: Added quick date filter buttons (Today, Last 7/30/90 Days) for faster analytics filtering
Enhancement: Improved date validation: prevents future dates, enforces logical date ranges, limits max range to 365 days
Enhancement: Added user-friendly error messages for invalid date range selections
Enhancement: Implemented 12-month data retention policy with automatic cleanup via daily cron job
Performance: Optimized analytics queries with improved date range validation
Developer: Added BANKpay_Plus_Analytics::cleanup_old_events() static method for data maintenance
Developer: Added bankpay_plus_track_refund() hook that triggers on woocommerce_order_refunded action

1.5.0

Feature: Analytics Dashboard with Chart.js visualizations (4 chart types)
Feature: Payment performance metrics (success rate, volume, processing time)
Feature: Bank-by-bank usage statistics and performance rankings
Feature: Time-series charts showing payment volume and success rate trends
Feature: CSV export functionality for external analysis
Feature: Custom date range filtering (default: 30 days)
Feature: Real-time analytics with transient caching (5-15 minute TTL)
Database: New analytics table with 11 optimized indexes for performance
Enhancement: Event tracking for payment initiation and completion
Enhancement: Processing time calculation (milliseconds)
Enhancement: Returning customer detection in analytics
Enhancement: Auto-migration on plugin activation (version-checked)
Admin: Dedicated “BANKpay+ Analytics” menu under WooCommerce
Admin: 4 stat cards with hover effects and responsive design
Admin: Line chart for payment volume over time (dual Y-axis)
Admin: Pie charts for success/failure ratio and top 5 banks
Admin: Horizontal bar chart for bank success rates
Admin: Detailed bank performance table with sortable columns
Performance: Query caching prevents redundant database hits
Performance: Composite indexes optimize date-range queries
Performance: Chart.js 4.4.0 loaded via CDN for fast rendering
Security: AJAX nonce verification for CSV export
Security: Capability checks (manage_woocommerce required)
Security: User agent hashing for privacy (SHA-256)
Developer: 175+ lines of JavaScript for chart initialization
Developer: Extensible analytics class with public query methods
Developer: GDPR-compliant data collection (no IP addresses stored)
Responsive: Mobile-optimized dashboard (tablets, phones)

1.4.0

Feature: Real-time IBAN validation with MOD-97 checksum algorithm
Feature: Support for 70+ countries with country-specific validation
Feature: Bank code extraction (DE, FR, GB, ES, IT, NL, BE, AT)
Feature: Optional ibanapi.com integration for enhanced validation
Feature: Client-side IBAN formatting and real-time feedback
Feature: REST API endpoint: /wp-json/bankpay-plus/v1/validate-iban
Feature: 30-day validation caching for performance
Feature: Rate limiting protection (10 requests per minute)
Feature: Returning customer recognition with localStorage persistence
Feature: One-click payment for returning customers
Feature: Automatic bank selection memory (90-day retention)
Feature: IBAN masking for security (shows DE89****0000)
Feature: Welcome back banner with saved bank information
Feature: Manual “Forget this bank” option for privacy control
Enhancement: Admin settings for IBAN validation configuration
Enhancement: Visual feedback with success/error states
Enhancement: localStorage caching for offline validation
Enhancement: GDPR-compliant privacy policy template
Enhancement: Mobile-responsive returning customer UI
Enhancement: Event system for payment completion hooks
Developer: Comprehensive PHPUnit test suite (30+ tests)
Developer: Extensible validation hooks and filters
Developer: Custom jQuery events for integration (bankpay:bank_saved, etc.)
Privacy: localStorage-first approach (no server storage by default)
Privacy: Automatic WordPress Privacy Policy integration

1.3.1

Security: Enhanced input sanitization and validation across all components
Security: Improved SQL query safety with proper escaping
Code Quality: Fixed 1,256 coding standards violations (WordPress/WooCommerce standards)
Code Quality: Improved code formatting and inline documentation
Performance: Optimized statistics calculations with proper caching
Maintenance: Updated phpcs and phpstan configurations
Compatibility: Verified WordPress 6.7 and WooCommerce 9.0 compatibility

1.0.0

Initial release
Instant SEPA payment processing
Webhook support for payment notifications
Refund processing
Test mode with sandbox environment
HPOS (High-Performance Order Storage) compatibility
Admin transaction management dashboard
Payment statistics and analytics
Order payment details meta box
WordPress dashboard widget
Advanced security features (rate limiting, replay protection, security headers)
Dependency injection and repository pattern architecture
Comprehensive logging with automatic sensitive data redaction

\n","contributors":[{"slug":"bankpay","name":"BANKpay+ by K42.ventures","count":1,"is_owner":true,"links":{"profile":{"url":"https://profiles.wordpress.org/bankpay/","alt":"BANKpay+ by K42.ventures's profile"},"plugins":{"url":"https://profiles.wordpress.org/bankpay/#content-plugins","alt":"BANKpay+ by K42.ventures's plugins"},"activity":{"url":"https://profiles.wordpress.org/bankpay/#content-activity","alt":"BANKpay+ by K42.ventures's activity"},"translations":{"url":"https://profiles.wordpress.org/bankpay/#content-translations","alt":"BANKpay+ by K42.ventures's translations"}}}],"description":"

🚀 Transform Your Payment Processing with Instant SEPA Bank Transfers

BANKpay+ for WooCommerce enables your store to accept instant SEPA bank transfers with settlement in just 7 seconds. No card fees, no chargebacks, just instant bank-to-bank payments.

🏛️ EU Late Payment Directive Compliant – Stay compliant with European payment regulations while getting paid faster. Our AI-powered invoice agent sends smart reminders and auto-extracts payment details, helping you manage cash flow professionally and get paid on time.

🤖 AI-Powered Payment Management – Upload invoices, automatically extract payment details, and send intelligent reminders to customers. Our invoice processing AI helps you maintain professional payment workflows and reduce late payments.

🎯 Key Benefits

⚡ 7-Second Settlement – Get your money instantly, not in days
💰 Up to 70% Lower Fees – Save thousands compared to card processors
🛡️ Zero Chargebacks – Bank transfers are final and irreversible
🏦 3000+ Banks Supported – Works with all major European banking institutions
✅ EU Regulation Compliant – Late Payment Directive, PSD2, GDPR
🤖 AI Invoice Processing – Auto-extract payment details and send smart reminders
📱 Mobile-First Experience – Optimized for smartphone banking apps
🔄 One-Click Repeat Payments – Returning customers pay with a single tap

💡 Why Choose BANKpay+ Over Card Payments?

💰 Save Money

Credit card fees: 1.5-3.5% per transaction
BANKpay+ fees: Starting at 0.5% (save up to €2,500/month on €100k revenue)
No monthly fees, no setup costs

⚡ Get Paid Instantly

Settlement time: 7 seconds (vs. 2-7 days with cards)
Same-day access to your money
Improved cash flow management

🛡️ Zero Chargeback Risk

Bank transfers are final and irreversible
No fraudulent chargebacks
No chargeback fees (typically €15-25 each)

😊 Better Customer Experience

No card details required
Works with all European banks (3000+ institutions)
Mobile-first payment flow
One-click payments for returning customers

👥 Who Should Use This?

Perfect for:

💼 B2B businesses needing compliance with EU Late Payment Directive
🏪 Online stores serving European customers
📦 High-volume merchants wanting to reduce payment processing costs
📈 Subscription businesses needing reliable recurring payments
🏛️ Professional services (lawyers, accountants, consultants)
💰 Merchants tired of chargebacks and fraud
⚡ Businesses needing instant access to funds for better cash flow

🚀 Features

💸 Payment Processing

⚡ Instant Settlement – Money in your account within 7 seconds
💰 Low Fees – Significantly lower than card processing fees (starting at 0.5%)
🛡️ No Chargebacks – Bank transfers are final and secure
🌍 EU Coverage – Accept payments from customers across Europe
↩️ Refunds – Process refunds directly from WooCommerce
✓ IBAN Validation – Real-time validation with MOD-97 checksum (70+ countries)
🔄 Returning Customers – One-click payment with saved bank selection

🏛️ Compliance & Professional Features

✅ EU Late Payment Directive Compliance – Stay compliant with European B2B payment regulations
🔔 Smart Payment Reminders – AI-powered reminders help you get paid on time
🤖 Invoice AI Agent – Automatically upload and process invoices
📄 Auto-Extract Payment Details – AI reads invoice data (amount, due date, customer info)
💼 Professional Payment Workflows – Maintain compliance and professionalism
📅 Payment Terms Management – Track due dates and automate follow-ups
📊 Audit Trail – Complete payment history for regulatory compliance

⚙️ Admin Experience

📊 Analytics Dashboard – Comprehensive payment analytics with Chart.js visualizations
📋 Transaction Management – View all BANKpay+ payments in dedicated admin panel
📈 Payment Dashboard – Real-time statistics (today, week, month, all-time)
📉 Performance Metrics – Success rates, volume trends, and processing times
🏦 Bank Analytics – Top performing banks with usage statistics
💾 CSV Export – Download analytics data for external analysis
🔍 Order Details – Payment information displayed on order edit screen
📱 WordPress Dashboard Widget – Quick overview of payment activity
🔎 Search & Filter – Find transactions by status, customer, or order number

🔒 Security & Reliability

🔐 Bank-Grade Security – Webhook signature verification and HMAC authentication
🚦 Rate Limiting – Automatic protection against webhook abuse
🔁 Replay Protection – Timestamp validation prevents duplicate processing
🛡️ CSRF Protection – All admin actions protected with capability checks
🔒 Security Headers – CSP, HSTS, X-Frame-Options, and more

👨‍💻 Developer Friendly

🧪 Test Mode – Sandbox environment for testing
⚡ HPOS Compatible – Full support for High-Performance Order Storage
✅ WordPress Standards – Follows WordPress and WooCommerce coding standards
🔌 Extensible – Hooks and filters for customization
🔗 REST API – Public endpoint for IBAN validation

📋 Requirements

✅ WooCommerce 8.0 or higher
✅ PHP 8.0 or higher
✅ WordPress 6.0 or higher
✅ BANKpay+ merchant account (Sign up here)

⚙️ How It Works

🛒 Customer selects BANKpay+ at checkout
🏦 Customer is redirected to select their bank
📱 Customer authorizes payment in their banking app
⚡ Payment is confirmed and settled instantly
✅ Customer is returned to your store

🚀 Get Started in 5 Minutes

📥 Install – Download from WordPress.org or search in your admin panel
✅ Activate – Click “Activate” in your plugins list
🔗 Connect – Run the setup wizard (WooCommerce → Settings → Payments → BANKpay+)
🧪 Test – Place a test order to verify everything works
🎉 Go Live – Switch from test mode to live mode

💡 Easy Setup: Our guided setup wizard walks you through every step. No technical knowledge required!

Translations

BANKpay+ for WooCommerce is fully translated and available in 6 languages:

English (en_US) – Default, 100% complete
German (de_DE) – Deutsch, 100% complete (~98 strings)
Italian (it_IT) – Italiano, 100% complete (~98 strings)
Portuguese (pt_PT) – Português, 100% complete (~98 strings)
Spanish (es_ES) – Español, 100% complete (~98 strings)
Greek (el) – Ελληνικά, 100% complete (~98 strings)

Contributing Translations

We welcome translation contributions! You can contribute in two ways:

\n
Via WordPress.org (recommended)
\nVisit: https://translate.wordpress.org/projects/wp-plugins/bankpay-open-banking-sepa-payments-for-woocommerce/
\nTranslations submitted via GlotPress are automatically included in language packs.
\n
\n
Via GitHub
\nFork the repository, translate the PO files in the languages/ directory, and submit a pull request.
\nSee languages/README.md for detailed translation guidelines.
\n

Translation Credits

German: BANKpay+ Team (based on BANKpay+ application translations)
Italian: BANKpay+ Team (professional translation)
Portuguese: BANKpay+ Team (professional translation)
Spanish: BANKpay+ Team (professional translation)
Greek: BANKpay+ Team (professional translation for compliance market)

Thank you to all translators for making BANKpay+ accessible to users across Europe!

For Translators

Total strings to translate: 309
\n– PHP strings: ~271 (admin interface, settings, error messages)
\n– JavaScript strings: ~38 (customer-facing UI, validation feedback)

Key terminology:
\n– “Instant Bank Transfer” → “SEPA-Sofortüberweisung” (DE)
\n– “Settlement” → “Abwicklung” (DE)
\n– “Bank-grade security” → “Bank-Level Sicherheit” (DE)

For complete translation guidelines, glossary, and context notes, see:
\n languages/README.md in the plugin directory

For Developers

BANKpay+ is built with developers in mind, featuring extensive hooks, filters, and well-documented APIs for customization and integration.

Architecture

Design Patterns:

Dependency Injection Container
Repository Pattern for order operations
Observer Pattern for webhook events
Strategy Pattern for payment flows

Key Components:

WC_Gateway_BANKpay_Plus – Main gateway class extending WC_Payment_Gateway
BANKpay_Plus_API – RESTful API client with retry logic
BANKpay_Plus_Webhook – Webhook handler with signature verification
BANKpay_Plus_Analytics – Payment metrics and reporting
BANKpay_Plus_IBAN_Validator – MOD-97 validation with 70+ country support

API Integration

Authentication:

Authorization: Bearer {access_token}\nX-API-Key: {api_key}\nX-HMAC-Signature: {hmac_sha256}\n

Create Checkout Session:

POST /api/checkout/create\n{\n  \"amount\": 100.00,\n  \"currency\": \"EUR\",\n  \"reference\": \"Order #123\",\n  \"return_url\": \"https://yourstore.com/checkout/thank-you\",\n  \"webhook_url\": \"https://yourstore.com/?wc-api=wc_gateway_bankpay_plus\"\n}\n

Webhook Payload:

POST /?wc-api=wc_gateway_bankpay_plus\n{\n  \"event\": \"checkout.completed\",\n  \"checkout_id\": \"chk_123\",\n  \"payment_id\": \"pay_456\",\n  \"status\": \"completed\",\n  \"timestamp\": \"2025-01-26T15:30:00Z\"\n}\n

Hooks & Filters

Actions (Execution Points):

bankpay_plus_payment_initiated – Fires when payment initiates
bankpay_plus_payment_complete – Fires when payment completes
bankpay_plus_payment_failed – Fires when payment fails
bankpay_plus_refund_completed – Fires when refund processes
bankpay_plus_webhook_received – Fires on webhook receipt
bankpay_plus_webhook_verified – Fires after signature verification
bankpay_plus_webhook_failed – Fires on webhook error
bankpay_plus_analytics_event – Fires on analytics tracking

Filters (Data Modification):

bankpay_plus_gateway_title – Customize payment method title
bankpay_plus_gateway_description – Customize checkout description
bankpay_plus_payment_button_text – Customize payment button text
bankpay_plus_checkout_data – Modify checkout session data
bankpay_plus_api_endpoint – Change API endpoint URL
bankpay_plus_api_timeout – Adjust API request timeout (default: 30s)
bankpay_plus_iban_valid – Override IBAN validation result
bankpay_plus_bank_list_cache_ttl – Adjust bank list cache (default: 24h)
bankpay_plus_webhook_rate_limit – Adjust webhook rate limit (default: 50/min)
bankpay_plus_verify_webhook_signature – Toggle signature verification

Code Examples

Example 1: Custom Payment Completion Logic

add_action('bankpay_plus_payment_complete', 'my_custom_payment_handler', 10, 2);\n\nfunction my_custom_payment_handler($order_id, $payment_data) {\n    $order = wc_get_order($order_id);\n\n    // Send custom confirmation email\n    wp_mail(\n        $order->get_billing_email(),\n        'Payment Confirmed - Instant Delivery',\n        'Your payment was processed in 7 seconds!'\n    );\n\n    // Trigger fulfillment webhook\n    wp_remote_post('https://warehouse.example.com/fulfill', [\n        'body' => json_encode([\n            'order_id' => $order_id,\n            'payment_method' => 'bankpay_instant'\n        ])\n    ]);\n}\n

Example 2: Customize Gateway Title

add_filter('bankpay_plus_gateway_title', 'custom_gateway_title', 10, 2);\n\nfunction custom_gateway_title($title, $order_id) {\n    return $title . ' (Money in 7 seconds)';\n}\n

Example 3: Validate Custom Business Rules

add_filter('bankpay_plus_checkout_data', 'add_business_rules', 10, 2);\n\nfunction add_business_rules($data, $order) {\n    // Add custom validation for high-value orders\n    if ($order->get_total() > 1000) {\n        $data['require_phone_verification'] = true;\n    }\n\n    // Add custom metadata\n    $data['merchant_reference'] = get_option('custom_order_prefix') . $order->get_id();\n\n    return $data;\n}\n

Example 4: Track Conversions in Analytics

add_action('woocommerce_thankyou', 'track_bankpay_conversion', 10, 1);\n\nfunction track_bankpay_conversion($order_id) {\n    $order = wc_get_order($order_id);\n\n    if ($order->get_payment_method() === 'bankpay_plus') {\n        do_action('my_analytics_track', [\n            'event' => 'instant_payment_completed',\n            'value' => $order->get_total(),\n            'settlement_time' => '7_seconds'\n        ]);\n    }\n}\n

REST API Endpoints

IBAN Validation:

POST /wp-json/bankpay-plus/v1/validate-iban\n{\n  \"iban\": \"DE89370400440532013000\"\n}\n\nResponse:\n{\n  \"valid\": true,\n  \"country\": \"DE\",\n  \"bank_code\": \"37040044\",\n  \"checksum_valid\": true,\n  \"formatted\": \"DE89 3704 0044 0532 0130 00\"\n}\n

Rate Limiting: 10 requests per minute per IP address
\nCaching: Validation results cached for 30 days
\nAlgorithm: MOD-97 checksum validation for 70+ countries

Database Schema

Analytics Table: {$wpdb->prefix}bankpay_plus_analytics

CREATE TABLE wp_bankpay_plus_analytics (\n  event_id BIGINT AUTO_INCREMENT PRIMARY KEY,\n  order_id BIGINT NOT NULL,\n  checkout_uuid VARCHAR(100),\n  event_type VARCHAR(50) NOT NULL,\n  event_timestamp DATETIME NOT NULL,\n  order_total DECIMAL(10,2),\n  currency VARCHAR(3),\n  customer_email VARCHAR(100),\n  bank_connector_id INT,\n  bank_name VARCHAR(255),\n  processing_time_ms INT,\n  is_returning_customer TINYINT(1),\n  user_agent_hash VARCHAR(64),\n  INDEX idx_order_id (order_id),\n  INDEX idx_event_type (event_type),\n  INDEX idx_event_timestamp (event_timestamp)\n);\n

Testing

PHPUnit Test Suite:

cd wp-plugin/bankpay-plus-woocommerce\ncomposer install\n./vendor/bin/phpunit --testsuite unit\n./vendor/bin/phpunit --testsuite integration\n

Code Quality:

composer phpcs          # Check WordPress coding standards\ncomposer phpcbf         # Auto-fix coding standards\ncomposer phpstan        # Static analysis (level 8)\n

Makefile Commands:

make test-all          # Run all tests\nmake lint              # Check coding standards\nmake format            # Auto-fix code style\nmake phpstan           # Static analysis\n

Security Considerations

Webhook Signature Verification:

Automatic HMAC SHA-256 verification ensures webhook authenticity. Invalid signatures are rejected with HTTP 403.

Rate Limiting:

Webhooks: 50 requests/minute per IP
IBAN validation: 10 requests/minute per IP
Automatic blocking with exponential backoff

Data Protection:

All input sanitized with sanitize_text_field(), sanitize_url()
All output escaped with esc_html(), esc_url(), esc_attr()
No sensitive data in logs (automatic redaction)
GDPR compliant (SHA-256 hashing for personal data)

Documentation

In Plugin Directory:

README.md – Quick start and overview
DEVELOPER_GUIDE.md – Architecture and contribution guidelines
API_INTEGRATION_GUIDE.md – Step-by-step API integration
TESTING_GUIDE.md – Unit, integration, and E2E testing
WARP.md – AI assistant integration guide

Online Resources:

GitHub: https://github.com/k42/WooCommerce
API Docs: https://docs.bankpay.plus/api
Support: https://wordpress.org/support/plugin/bankpay-open-banking-sepa-payments-for-woocommerce/

Contributing

We welcome contributions! Please see CONTRIBUTING.md in the plugin directory for:

Code style guidelines (WordPress + WooCommerce standards)
Testing requirements (PHPUnit coverage)
Pull request process
Security disclosure policy

Found a bug? Report it on the WordPress.org support forum

\n","downloaded":2137,"faq":"\n

\nDo I need a BANKpay+ account?\n\n

Yes, you need to sign up for a merchant account at https://BANKpay.plus. The setup wizard can create your account automatically during plugin configuration.

\nHow much does BANKpay+ cost?\n\n

Pricing starts at 0.5% per transaction with no monthly fees or setup costs. This is significantly lower than typical credit card processing fees (1.5-3.5%). For detailed pricing and volume discounts, visit https://BANKpay.plus/pricing

\nHow long does setup take?\n\n

Most merchants complete setup in under 5 minutes using our guided setup wizard. You’ll need:

Business email address
IBAN for receiving payouts
Business registration details (name, address)

The wizard validates everything in real-time, so you’ll know immediately if there are any issues.

\nCan I test before going live?\n\n

Yes! The plugin includes a full sandbox environment. You can test unlimited transactions before accepting real payments. Simply enable “Test Mode” in the settings.

\nWhat if a customer wants a refund?\n\n

Process refunds directly from the WooCommerce order page—just like you would with any other payment method. Refunds are sent back to the customer’s bank account within 1-2 business days. The refund amount is automatically deducted from your next payout.

\nWhich countries are supported?\n\n

BANKpay+ works across all SEPA countries: Austria, Belgium, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden.

Customers in any of these countries can pay using their local bank account.

\nDo customers need a BANKpay+ account?\n\n

No! Customers pay directly from their existing bank account using their banking app (like N26, Revolut, or their regular bank’s app). No registration, no new account creation—just instant authentication and payment.

\nIs there a test mode?\n\n

Yes, the plugin includes a sandbox mode for testing before going live. Test mode uses separate API credentials and doesn’t process real money.

\nWhat happens if a payment fails?\n\n

If a customer’s bank declines the payment or they cancel during authorization, the order remains in “Pending” status. The customer can try again or choose a different payment method. You’ll see the failure reason in the order notes.

\nCan customers save their payment info?\n\n

Yes! Returning customers can enable one-click payments. Their bank selection is remembered (stored locally in their browser), making future checkouts even faster. This is optional and controlled by the customer.

\nHow secure is BANKpay+?\n\n

BANKpay+ uses bank-grade security:

All payments require authentication through the customer’s banking app
No sensitive data is stored on your server
Webhook signatures prevent tampering
Rate limiting protects against abuse
GDPR compliant

\nDoes this work with WooCommerce subscriptions?\n\n

Currently, BANKpay+ supports one-time payments only. Subscription support is planned for a future release.

\nHow does IBAN validation work?\n\n

The plugin validates IBANs using the MOD-97 algorithm for 70+ countries. Optionally, you can configure an ibanapi.com API key for enhanced validation with bank details. Without an API key, local validation still works perfectly.

\nIs customer bank data stored?\n\n

By default, bank selection information is stored only in your browser’s localStorage (on your device) to enable one-click payments on return visits. This includes your bank name, logo, and masked IBAN. No data is sent to our servers unless you explicitly create a user account and opt-in to cross-device sync.

You can remove saved bank information at any time by clicking “Forget this bank” during checkout, or by clearing your browser data. Data automatically expires after 90 days of inactivity.

\nDoes this plugin work with my theme?\n\n

Yes! BANKpay+ works with any properly coded WordPress theme. The plugin integrates seamlessly with WooCommerce’s standard checkout flow.

If you notice styling issues, you can customize the appearance with CSS. We recommend Storefront or any WooCommerce-compatible theme for best results.

\nIs SSL required?\n\n

Yes, an SSL certificate (HTTPS) is required for production mode. This is mandated by PSD2 banking regulations for secure payment processing. Most hosting providers offer free SSL certificates via Let’s Encrypt.

Test mode can work without SSL for local development, but all production payments must use HTTPS.

\nIs this compatible with High-Performance Order Storage (HPOS)?\n\n

Yes! BANKpay+ is fully compatible with WooCommerce’s High-Performance Order Storage (HPOS, also called Custom Order Tables). We officially declare HPOS compatibility in our plugin headers.

\nWhat are webhooks and do I need to configure them?\n\n

Webhooks are automatic notifications sent from BANKpay+ to your store when payment status changes. The plugin handles webhook configuration automatically—no manual setup needed!

Webhooks are secured with HMAC SHA-256 signature verification and include:

Rate limiting (50 requests/minute per IP)
Replay protection (timestamp validation)
Automatic retry with exponential backoff for failed deliveries

Your webhook URL is automatically configured as: https://yourstore.com/?wc-api=wc_gateway_bankpay_plus

\nCan I customize the plugin behavior with hooks and filters?\n\n

Yes! The plugin provides numerous WordPress action and filter hooks for developers:

Key Actions:

bankpay_plus_payment_complete – Fires when payment completes
bankpay_plus_payment_failed – Fires when payment fails
bankpay_plus_refund_completed – Fires when refund processes
bankpay_plus_webhook_received – Fires on webhook receipt

Key Filters:

bankpay_plus_gateway_title – Customize payment method title
bankpay_plus_gateway_description – Customize checkout description
bankpay_plus_checkout_data – Modify checkout session data
bankpay_plus_api_timeout – Adjust API request timeout

For complete documentation, see the “For Developers” section below.

\nWhere can I find API documentation?\n\n

API integration documentation is available in:

Plugin directory: See API_INTEGRATION_GUIDE.md
Developer guide: See DEVELOPER_GUIDE.md for architecture overview
Online: Visit https://docs.bankpay.plus/api

The plugin uses RESTful JSON API with dual authentication (Bearer token + API key) and HMAC signature verification for webhooks.

\nHow do I debug payment issues?\n\n

Enable WooCommerce logging:

Go to WooCommerce > Status > Logs
Look for logs starting with bankpay-plus and bankpay-plus-webhook

Common debugging steps:

Verify API credentials in settings
Check Test Mode vs Live Mode configuration
Confirm SSL certificate is valid
Review webhook delivery in logs
Check for plugin conflicts (disable other plugins temporarily)

For detailed troubleshooting, see: TESTING_GUIDE.md in the plugin directory

\nWhat are the rate limits for API requests?\n\n

The plugin implements intelligent rate limiting:

Webhook endpoint: 50 requests per minute per IP address
IBAN validation: 10 requests per minute per IP address
API requests: Cached for 5-15 minutes to minimize redundant calls

Bank connector list is cached for 24 hours, and analytics queries use transient caching to optimize performance.

\nWhat is SEPA Instant payment and how does it work?\n\n

SEPA Instant Credit Transfer (SCT Inst) is the European standard for real-time bank transfers. Unlike traditional SEPA payments that take 1-3 business days, SEPA Instant settles in under 10 seconds, 24/7/365.

How it works:

Customer authorizes payment through their banking app
Bank instantly verifies funds availability
Money is debited from customer’s account
Funds are credited to your account within 7-10 seconds
Payment is final and irrevocable (no chargebacks)

Benefits over card payments:

Instant settlement (vs 2-7 days for cards)
Lower fees (0.5% vs 1.5-3.5% for cards)
No chargebacks (bank transfers are final)
No monthly fees or hidden costs
24/7/365 availability

SEPA Instant is available across all 24 SEPA countries with 3000+ participating banks.

\nWhat is Account-to-Account (A2A) payment?\n\n

Account-to-Account (A2A) payments are direct bank transfers between customer and merchant accounts without card networks or intermediaries.

Traditional payment flow:

Customer → Card Network → Acquiring Bank → Your Account\n(Multiple intermediaries = higher fees + longer settlement)\n

A2A payment flow:

Customer Bank → Your Bank (Direct)\n(No intermediaries = lower fees + instant settlement)\n

Why A2A is revolutionary:

No card network fees (Visa/Mastercard take 1-3%)
No acquiring bank markup
Payments can’t be “charged back” fraudulently
Works with any bank account (no card needed)
Enabled by Open Banking regulations (PSD2)

\nWhat is Open Banking and PSD2?\n\n

Open Banking is the EU regulatory framework (PSD2 – Payment Services Directive 2) that allows licensed third parties to securely access banking services with customer consent.

What BANKpay+ does:

You (merchant) requests payment
Customer selects their bank
Customer authorizes payment in their secure banking app
BANKpay+ (licensed Payment Initiation Service Provider) initiates the transfer
Money moves directly from customer to your account

Security features:

Strong Customer Authentication (SCA) required
No card details or passwords shared
Bank-grade encryption (TLS 1.3)
Multi-factor authentication via banking app
Regulated by European Central Bank and national supervisors

Your data security:

We never store bank login credentials
No sensitive payment data on your server
Webhook signatures prevent tampering
GDPR compliant by design

\nWhy can’t customers chargeback BANKpay+ payments?\n\n

Bank transfers are legally final and irrevocable under EU payment law (SEPA Rulebook). Once a customer authorizes payment through Strong Customer Authentication (SCA) in their banking app, the transaction cannot be disputed or reversed.

Contrast with card payments:

Cards: Customer can dispute for 120+ days after purchase
BANKpay+: Payment authorized with bank-level authentication, legally binding

Customer protection still exists:

Customers must authenticate in their secure banking app
Unauthorized transactions are bank’s responsibility
Normal consumer protection laws still apply

For merchants, this means:

No fraudulent chargebacks
No chargeback fees (typically €15-25 each)
Predictable revenue (no surprise reversals months later)
Lower fraud rates (bank-level authentication required)

\nHow fast is “7-second settlement”?\n\n

BANKpay+ uses SEPA Instant Credit Transfer, which guarantees settlement within 10 seconds. In practice, most payments settle in 7 seconds or less.

Timeline breakdown:

0-2 seconds: Customer authorizes in banking app
2-5 seconds: Bank verifies funds and processes transfer
5-7 seconds: Money arrives in your account
7-10 seconds: Confirmation webhook sent to your store

Compare this to traditional payment methods:

Credit cards: 2-7 business days
Debit cards: 1-3 business days
PayPal: 1-2 business days (or instant for 1% fee)
Bank transfer: 1-3 business days
BANKpay+ SEPA Instant: 7 seconds

Real-world impact:

Customer completes checkout at 14:30:15
Money in your account at 14:30:22
Order can ship immediately
Same-day access to revenue

\nWhich countries and banks are supported?\n\n

BANKpay+ works across all 24 SEPA countries with 3000+ participating banks:

Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

Major banks include:

Germany: Deutsche Bank, Commerzbank, Sparkasse, N26, Revolut
France: BNP Paribas, Crédit Agricole, Société Générale
Netherlands: ING, Rabobank, ABN AMRO
Spain: Santander, BBVA, CaixaBank
Italy: UniCredit, Intesa Sanpaolo
Austria: Erste Bank, Raiffeisen
Plus digital banks: N26, Revolut, Bunq, Trade Republic, Wise

Requirements:

Customer must have an account at a SEPA Instant-enabled bank
Most major EU banks support SEPA Instant (as of 2025)
EU regulation makes SEPA Instant mandatory for all banks

Check bank availability during checkout – the plugin automatically displays only supported banks for each customer.

\nHow does BANKpay+ compare to other payment methods?\n\n

Feature
\n BANKpay+
\n Credit Cards
\n PayPal
\n SEPA Transfer

Settlement Time
\n 7 seconds
\n 2-7 days
\n 1-2 days
\n 1-3 days

Transaction Fees
\n 0.5%
\n 1.5-3.5%
\n 2.9% + €0.35
\n Free (slow)

Monthly Fees
\n None
\n €20-50
\n None
\n None

Chargebacks
\n No
\n Yes (120 days)
\n Yes (180 days)
\n No

Setup Complexity
\n Easy
\n Complex
\n Medium
\n Manual

Customer Friction
\n Low
\n Medium
\n Medium
\n High

Coverage
\n EU (SEPA)
\n Global
\n Global
\n EU (SEPA)

Success Rate
\n 95%+
\n 70-80%
\n 85-90%
\n Manual

Best for:

European B2C ecommerce
Digital products needing instant delivery
High-value transactions (lower fees)
Businesses tired of chargebacks
Cash flow optimization (instant settlement)

Not ideal for:

Global sales outside Europe
Businesses needing payment plans
Customers without bank accounts (rare in EU)

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Minimum Requirements

WordPress 6.0 or greater
WooCommerce 8.0 or greater
PHP 8.0 or greater
MySQL 5.6 or greater
SSL certificate (required for production mode)
Modern web browser with JavaScript enabled

Automatic Installation

Automatic installation is the easiest option as WordPress handles the file transfers itself and you don’t need to leave your web browser.

Log in to your WordPress dashboard
Navigate to Plugins > Add New
Search for “BANKpay+ for WooCommerce”
Click Install Now next to our plugin
Click Activate once installation completes
Navigate to WooCommerce > Settings > Payments > BANKpay+
Click Run Setup Wizard to configure your payment gateway

Manual Installation

The manual installation method involves downloading the plugin and uploading it to your server via FTP or your hosting control panel.

Download the plugin ZIP file from WordPress.org
Log in to your WordPress dashboard
Navigate to Plugins > Add New > Upload Plugin
Click Choose File and select the ZIP file you downloaded
Click Install Now
Click Activate Plugin once installation completes
Navigate to WooCommerce > Settings > Payments > BANKpay+
Follow the setup wizard to connect your BANKpay+ account

Alternatively, you can upload the plugin via FTP:

Unzip the plugin file on your computer
Upload the bankpay-plus-woocommerce folder to /wp-content/plugins/
Activate the plugin through the Plugins menu in WordPress

Updating

Automatic updates should work smoothly. As always, ensure you backup your site before updating.

If you experience any issues after an update:

Go to WordPress > Settings > Permalinks
Click Save Changes (no changes needed, just save)
Clear your site cache if using a caching plugin

First-Time Setup

After installation, you’ll see an admin notice prompting you to run the setup wizard. The wizard will guide you through:

Welcome – Introduction to BANKpay+ features
Connect – API key configuration and connectivity test
Payout – IBAN configuration for receiving settlements

The entire setup takes under 5 minutes. No technical knowledge required!

Testing Before Going Live

Enable Test Mode in the gateway settings
Use sandbox API credentials from your BANKpay+ dashboard
Place test orders to verify the payment flow
Check webhook delivery in WooCommerce logs
Once satisfied, switch to Live Mode with production credentials

SSL Requirement

An SSL certificate is required for production mode. Payments will not work without HTTPS in live mode due to banking security requirements (PSD2 regulations).

Most hosting providers offer free SSL certificates via Let’s Encrypt. Contact your host if you need assistance.

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$\"Payment$
Payment gateway settings
$\"Checkout$
Checkout page with BANKpay+ option

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