PlanetStudio Payment Gateway vs Pay for Payment for WooCommerce

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/

Add individual charges for each payment method as a flat rate and/or as a percentage of the cart total. The plugin first calculates the percentage rate and then adds the fixed rate on top. Now compatible with React-based payment gateways! Configure payment fees for all gateways (including WooCommerce Stripe) using the new centralized settings tab at WooCommerce > Settings > Pay for payment. You can use placeholders in the payment item title: [FIXED_AMOUNT]: Will print money-formatted fixed amount you entered. [PERCENT_AMOUNT]: will print out percental amount you entered [CART_TOTAL]: will print out money-formatted cart totals. [MINIMUM_AMOUNT]: will print out money-formatted minimum amount you entered when calculating percentage fee. [MAXIMUM_AMOUNT]: will print out money-formatted maximum amount you entered when calculating percentage fee. Example: Payment Fee ([FIXED_AMOUNT] + [PERCENT_AMOUNT]% of [CART_TOTAL]) Requires at least WooCommerce 2.6, compatible with WooCommerce 3.2+ (recommended). The support for WC 2.6 will be dropped soon. Features Fixed charge and/or a percentage of cart total Possibility to disable for free/zero shipping Plugin API. See GitHub for details. Compatibility Now compatible with React-based payment gateways including WooCommerce Stripe Payment Gateway! Use the centralized “Pay for payment” settings tab (WooCommerce > Settings > Pay for payment) to configure fees for React-based gateways. WPML (see FAQ) WooCommerce Price Based on Country for WooCommerce & PRO Multi Currency for WooCommerce & PRO WooCommerce Multi-Currency when the store currency is USD YayCurrency PRO WOOCS Limitations It seems that Mercadopago gateway is not handling WC_Fee correctly. Get in touch with Mercadopago support (and I’m happy to help them fix the issue) Better not use it with PayPal. (Legal issue, see FAQ as well.) Doesn’t work on “Pay for order” pages (manually created orders or canceled payments), because of WC limitations Special Credits to Jörn Lund (@podpirate) who have developed this plugin and abandoned it in 2016.