BANKpay+ Instant Bank Payments for WooCommerce (EUR)
🚀 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. Accept instant SEPA payments via BANKpay+ Real-time bank transfers with 7-second settlement directly into your bank account. A secure and convenient payment method that boosts conversions and customer satisfaction. 🎯 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 – free for the first 30 days! ⚡ Get Paid Instantly Settlement time: 7 seconds (vs. 2-7 days with cards) directly into your bank account. 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 💼 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: Via WordPress.org (recommended) Visit: https://translate.wordpress.org/projects/wp-plugins/bankpay-open-banking-sepa-payments-for-woocommerce/ Translations submitted via GlotPress are automatically included in language packs. Via GitHub Fork the repository, translate the PO files in the languages/ directory, and submit a pull request. See languages/README.md for detailed translation guidelines. 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 – PHP strings: ~271 (admin interface, settings, error messages) – JavaScript strings: ~38 (customer-facing UI, validation feedback) Key terminology: – “Instant Bank Transfer” → “SEPA-Sofortüberweisung” (DE) – “Settlement” → “Abwicklung” (DE) – “Bank-grade security” → “Bank-Level Sicherheit” (DE) For complete translation guidelines, glossary, and context notes, see: 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} X-API-Key: {api_key} X-HMAC-Signature: {hmac_sha256} Create Checkout Session: POST /api/checkout/create { "amount": 100.00, "currency": "EUR", "reference": "Order #123", "return_url": "https://yourstore.com/checkout/thank-you", "webhook_url": "https://yourstore.com/?wc-api=wc_gateway_bankpay_plus" } Webhook Payload: POST /?wc-api=wc_gateway_bankpay_plus { "event": "checkout.completed", "checkout_id": "chk_123", "payment_id": "pay_456", "status": "completed", "timestamp": "2025-01-26T15:30:00Z" } 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); function my_custom_payment_handler($order_id, $payment_data) { $order = wc_get_order($order_id); // Send custom confirmation email wp_mail( $order->get_billing_email(), 'Payment Confirmed - Instant Delivery', 'Your payment was processed in 7 seconds!' ); // Trigger fulfillment webhook wp_remote_post('https://warehouse.example.com/fulfill', [ 'body' => json_encode([ 'order_id' => $order_id, 'payment_method' => 'bankpay_instant' ]) ]); } Example 2: Customize Gateway Title add_filter('bankpay_plus_gateway_title', 'custom_gateway_title', 10, 2); function custom_gateway_title($title, $order_id) { return $title . ' (Money in 7 seconds)'; } Example 3: Validate Custom Business Rules add_filter('bankpay_plus_checkout_data', 'add_business_rules', 10, 2); function add_business_rules($data, $order) { // Add custom validation for high-value orders if ($order->get_total() > 1000) { $data['require_phone_verification'] = true; } // Add custom metadata $data['merchant_reference'] = get_option('custom_order_prefix') . $order->get_id(); return $data; } Example 4: Track Conversions in Analytics add_action('woocommerce_thankyou', 'track_bankpay_conversion', 10, 1); function track_bankpay_conversion($order_id) { $order = wc_get_order($order_id); if ($order->get_payment_method() === 'bankpay_plus') { do_action('my_analytics_track', [ 'event' => 'instant_payment_completed', 'value' => $order->get_total(), 'settlement_time' => '7_seconds' ]); } } REST API Endpoints IBAN Validation: POST /wp-json/bankpay-plus/v1/validate-iban { "iban": "DE89370400440532013000" } Response: { "valid": true, "country": "DE", "bank_code": "37040044", "checksum_valid": true, "formatted": "DE89 3704 0044 0532 0130 00" } Rate Limiting: 10 requests per minute per IP address Caching: Validation results cached for 30 days Algorithm: MOD-97 checksum validation for 70+ countries Database Schema Analytics Table: {$wpdb->prefix}bankpay_plus_analytics CREATE TABLE wp_bankpay_plus_analytics ( event_id BIGINT AUTO_INCREMENT PRIMARY KEY, order_id BIGINT NOT NULL, checkout_uuid VARCHAR(100), event_type VARCHAR(50) NOT NULL, event_timestamp DATETIME NOT NULL, order_total DECIMAL(10,2), currency VARCHAR(3), customer_email VARCHAR(100), bank_connector_id INT, bank_name VARCHAR(255), processing_time_ms INT, is_returning_customer TINYINT(1), user_agent_hash VARCHAR(64), INDEX idx_order_id (order_id), INDEX idx_event_type (event_type), INDEX idx_event_timestamp (event_timestamp) ); Testing PHPUnit Test Suite: cd wp-plugin/bankpay-plus-woocommerce composer install ./vendor/bin/phpunit --testsuite unit ./vendor/bin/phpunit --testsuite integration Code Quality: composer phpcs # Check WordPress coding standards composer phpcbf # Auto-fix coding standards composer phpstan # Static analysis (level 8) Makefile Commands: make test-all # Run all tests make lint # Check coding standards make format # Auto-fix code style make phpstan # Static analysis 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
