Payment Gateway for IDBANK vs PlanetStudio Payment Gateway

Payment Gateway for IDBANK is a professional WooCommerce extension that enables seamless integration of IDBANK’s payment system into your online store. Designed specifically for businesses operating in Armenia. Key Features Multi-Currency Support – Accept payments in AMD, RUB, USD, and EUR Secure Payments – PCI DSS compliant with 3DS2 authentication Card Binding – Save customer cards for faster future checkouts WooCommerce Subscriptions – Full support for recurring payments Refund Management – Process refunds directly from WooCommerce WPML Compatible – Full support for multilingual websites HPOS Compatible – Works with WooCommerce High-Performance Order Storage Test Mode – Sandbox environment for testing before going live Automatic Updates – Keep your gateway up-to-date automatically Payment Process Customer selects IDBANK payment method at checkout Customer is redirected to IDBANK’s secure payment page Payment is processed through IDBANK’s system Customer returns to your store with payment confirmation Order status is automatically updated Requirements Before using this plugin, you must: Have a WordPress website with WooCommerce installed Contact IDBANK to set up a merchant account Obtain API credentials from IDBANK Contact IDBANK: * Phone: 010 59 33 33 * Email: [email protected] Activation & Setup This plugin requires license activation through HK Digital Agency. Visit hkdigital.am or call 033 779-779 for activation. Note: Activation service is paid. Technical Requirements WordPress 5.0 or higher WooCommerce 5.0 or higher PHP 7.4 or higher SSL certificate (HTTPS) Valid IDBANK merchant account Security & Privacy During plugin installation, your domain name, site URL, and IP address will be accessible to HK Digital Agency for license verification and copyright protection purposes. Additional Information Automatic Updates The plugin includes automatic update functionality to ensure compatibility with the latest WordPress and WooCommerce versions. Update service terms are available on the HK Digital Agency website. Support & Documentation For technical support and detailed documentation: * Website: hkdigital.am * Phone: 033 779-779 * Email: [email protected] For IDBANK merchant account and payment system support: * Phone: 010 59 33 33 * Email: [email protected] Copyright & License This plugin and all its contents are protected by copyright law. Copyright © HK Digital Agency LLC Distribution, modification, adaptation, or any other form of use of trademarks and code contained in this plugin is prohibited without prior written permission from HK Digital Agency LLC. The plugin is provided with a paid usage license. For pricing information, visit hkdigital.am or call 033 779-779. Disclaimer HK Digital Agency LLC is not responsible for: * Services provided by other plugins, extensions, platforms, or organizations * Technical issues caused by updates from WordPress, other plugins, or third-party services * Partial or complete disruption of the plugin due to external factors * Website uptime or security (merchant responsibility) Privacy Policy During installation, the following information is collected for license verification: * Website domain name * Website URL * Server IP address This information is used solely for license verification and copyright protection purposes. Verification Checklist After updating to version 1.0.7, verify the following: Admin Panel: Navigate to WooCommerce → Settings → Payments → IDBANK Verify no PHP notices or deprecation warnings appear Check debug.log for any errors Checkout (Test Mode): Complete a test purchase with a new card Complete a test purchase with a saved card Verify order status updates correctly Account Page: Navigate to My Account → Cards Verify saved cards display correctly Test card deletion functionality Optional – Refunds: Process a small test refund from order admin Verify refund processes correctly in WooCommerce logs Permalinks: Go to Settings → Permalinks → Save Settings This ensures the cards endpoint rewrite rules are properly flushed Note: Clear all caching plugins after update to ensure updated JavaScript files are served. Technical Notes Minimum Requirements WordPress 5.0+ WooCommerce 5.0+ PHP 7.4+ MySQL 5.6+ or MariaDB 10.0+ HTTPS/SSL Certificate Memory Limit: 128MB minimum (256MB recommended) Recommended Server Configuration PHP 8.0 or higher MySQL 5.7+ or MariaDB 10.2+ Memory Limit: 256MB or higher Max Execution Time: 300 seconds HTTPS/SSL Certificate (required for production) Browser Compatibility Chrome (latest 2 versions) Firefox (latest 2 versions) Safari (latest 2 versions) Edge (latest 2 versions) Mobile browsers (iOS Safari, Chrome Mobile) Known Compatibility ✓ WooCommerce 5.0 – 9.x ✓ WordPress 5.0 – 6.7.2 ✓ PHP 7.4 – 8.3 ✓ WPML (all versions) ✓ WooCommerce Subscriptions ✓ WooCommerce Blocks ✓ High-Performance Order Storage (HPOS) Credits Developed by HK Digital Agency Special thanks to IDBANK for their payment system integration support.

PlanetStudio Payment Gateway allows merchants to accept online payments via Armenian banks, as well as the Idram and Telcell wallet payment systems. This plugin provides the PSPG Core and PayLink payments. Additional platform integrations (such as WooCommerce, GiveWP, WPForms and PayForm) are available as separate add-ons. PlanetStudio Payment Gateway supports multiple Armenian acquiring banks, test and production modes, and provides detailed payment and callback logs in the WordPress admin area. Depending on the selected bank or payment system, merchants may need to obtain API credentials or other access details from their bank or payment provider. Supported Banks & Payment Systems ArCa (Armenian Card) – ACBA Bank (ACBABank) – Araratbank (Ararat Bank) – Armeconombank (Armeconom Bank) – Armswissbank (Armswiss Bank) – Ardshinbank (Ardshin Bank) – Byblos Bank Armenia – Converse Bank – Evocabank (Evoca Bank) – Fast Bank – IDBank (ID Bank) Banks with independent processing – AMIO Bank – Ameriabank (Ameria Bank) – Inecobank (Ineco, Ineco Bank) Other payment systems – Idram Wallet – Telcell Wallet Features PayLink (Payment by Link / QR) Support for multiple Armenian banks Credit and debit card payments 3-D Secure support (when provided by the bank) Multi-currency support (AMD, USD, EUR, RUB — depending on bank configuration) Test and production modes Detailed payment and callback logs in WordPress admin Secure server-to-server payment callbacks PayLink (Payment by Link / QR) PlanetStudio Payment Gateway includes a PayLink feature that allows administrators to create payment links (including QR-based flows) manually and send them to customers via email, messengers, or any other communication channel. PayLink works independently from e-commerce or donation plugins and can be used for manual payments, invoices, advance payments, or one-time charges. How PayLink works: Administrator creates a PayLink from PSPG → PayLink in the WordPress admin area. A unique payment link is generated for the specified amount and bank. The customer opens the link (or scans a QR code) and is redirected to the bank’s secure hosted payment page. After successful payment, the transaction is finalized and logged in PSPG. PayForm PayForm functionality is available via a separate add-on. The PayForm add-on allows administrators to embed a customizable public payment form using a shortcode and process payments through PSPG-supported banks. Integrations PlanetStudio Payment Gateway provides a Core payment framework. Additional integrations such as WooCommerce, GiveWP, WPForms, PayForm, eHDM (Էլեկտրոնային ՀԴՄ), and Mobile are available as separate add-ons. Getting Started After activating the plugin, go to the PSPG settings page in the WordPress admin area and configure at least one payment provider. To start using the plugin: Install and activate PlanetStudio Payment Gateway. Open PSPG → Settings in the WordPress admin area. Enable at least one payment provider. Enter the credentials provided by your bank or payment provider. Select test mode or live mode depending on your environment. Save the settings. The core plugin includes built-in PayLink functionality and can be used without WooCommerce or other add-ons. How to Test the Plugin The easiest way to test the plugin is using the built-in PayLink feature. Go to PSPG → PayLink in the WordPress admin area. Create a new PayLink by selecting a configured payment provider and entering an amount. Open the generated payment link in your browser. You will be redirected to the payment provider’s hosted payment page. Complete the payment using test credentials (if test mode is enabled). After payment, verify the result and logs in the PSPG admin area. If no payment provider is configured, PayLink and other payment flows will not work. Configuration Notes This plugin requires merchant credentials provided by the selected Armenian bank or payment provider. Depending on the provider, you may need: – test credentials for sandbox/testing – live credentials for production – provider-specific merchant settings WooCommerce, GiveWP, and PayForm integrations are available as separate add-ons and are not required to test the core PayLink functionality. eHDM Fiscal Receipt Integration PlanetStudio Payment Gateway can integrate with the separate PlanetStudio eHDM (Էլեկտրոնային ՀԴՄ) plugin for fiscal receipt handling. eHDM (Էլեկտրոնային ՀԴՄ) is an optional external plugin and is not required for PSPG operation. External Services This plugin connects to external services only when the corresponding payment method or PayLink functionality is configured and used. The plugin does not send customer banking credentials to these services. When a payment is initiated, the plugin may send transaction-related data required by the selected provider, such as: – payment amount – currency – payment description – merchant order or transaction identifier – return / callback URL needed to complete the payment flow ArCa Payment System (Armenian Card) This plugin can connect to the ArCa payment infrastructure to process card payments for supported ArCa-based banks. This service is used only when an ArCa-based payment method is enabled and selected for payment. Data sent may include: – payment amount – currency – payment description – merchant order identifier – return URL / callback URL Service URLs: – https://ipay.arca.am – https://ipaytest.arca.am Privacy policy: – https://arca.am/privacy-policy Ameriabank vPOS This plugin can connect to Ameriabank vPOS to process card payments. This service is used only when the Ameriabank payment method is enabled and selected for payment. Data sent may include: – payment amount – currency – payment description – merchant order identifier – return URL / callback URL Service URLs: – https://services.ameriabank.am – https://servicestest.ameriabank.am Privacy policy: – https://ameriabank.am/website-privacy-policy AMIO Bank This plugin can connect to AMIO Bank payment endpoints to process card payments. This service is used only when the AMIO Bank payment method is enabled and selected for payment. Data sent may include: – payment amount – currency – payment description – merchant order identifier – return URL / callback URL Service URLs: – https://epg.armbusinessbank.am – https://epg-test.armbusinessbank.am Legal / service information: – https://amiobank.am/en/legal-documents IDBank This plugin can connect to IDBank payment infrastructure to process card payments. This service is used only when the IDBank payment method is enabled and selected for payment. Data sent may include: – payment amount – currency – payment description – merchant order identifier – return URL / callback URL Service URL: – https://ipayproxy.idp.am Terms: – https://idbank.am/en/information/helpfull-information/Remote-services-ENG.pdf Privacy policy: – https://idbank.am/documents/RL-0900-0001-01_ENG.pdf Inecobank This plugin can connect to Inecobank payment endpoints to process card payments. This service is used only when the Inecobank payment method is enabled and selected for payment. Data sent may include: – payment amount – currency – payment description – merchant order identifier – return URL / callback URL Service URLs: – https://pg.inecoecom.am – https://ipaytest.inecobank.am – https://ipay.inecobank.am Privacy policy: – https://www.inecobank.am/en/useful-information/privacy-policy Idram Wallet This plugin can connect to Idram Wallet services to process wallet-based payments. This service is used only when the Idram payment method is enabled and selected for payment. Depending on the payment flow and provider-side functionality, the plugin may also connect to Idram authentication and related service endpoints. Data sent may include: – payment amount – currency – payment description – merchant order identifier – return URL / callback URL Service URLs: – https://banking.idram.am – https://csauth.idram.am – https://cashback.idram.am Terms: – https://www.idram.am/Media/Documents/terms-and-conditions-eng.pdf Privacy policy: – https://money.idram.am/en/documents/privacy.htm Telcell Wallet This plugin can connect to Telcell Wallet services to process wallet-based payments. This service is used only when the Telcell payment method is enabled and selected for payment. Depending on the payment flow and provider-side functionality, the plugin may also connect to Telcell payment and related service endpoints. Data sent may include: – payment amount – currency – payment description – merchant order identifier – return URL / callback URL Service URLs: – https://telcellmoney.am Terms: – https://telcell.am/en/legal-acts goQR / QRServer This plugin can connect to the goQR / QRServer API to generate QR code images for PSPG PayLink pages. This service is used only when a PayLink page with QR code output is generated or displayed. Data sent may include: – the PayLink URL that should be encoded into the QR code No payment card data, banking credentials, or customer authentication data are sent to this service. Service URL: – https://api.qrserver.com Terms: – https://goqr.me/legal/tos-api.html Privacy policy: – https://goqr.me/privacy-safety-security/