=== Paynote for WooCommerce === Description: Try Paynote, the easiest way to send and receive bank transfers from clients or vendors. Instant bank verification. Get started today. Author: SeamlessChex Author URI: https://www.seamlesschex.com Contributors: seamlesschex Tags: ACH, payment, pay, woocommerce payment, paynote Version: 1.3.1 Tested up to: 6.9 Requires at least: 4.0.3 Stable tag: 1.3.1 Requires PHP: 5.6 License: GPLv2 or later License URI: https://www.gnu.org/licenses/gpl-2.0.html Try Paynote, the easiest way to send and receive bank transfers from clients or vendors. Instant bank verification. Get started today. == Description == Enhance your WooCommerce store with **Paynote** – the ultimate plugin for secure and streamlined Plaid-Verified ACH payments. Paynote integrates seamlessly with WooCommerce and leverages Plaid's user-friendly bank verification, enabling customers to pay easily using their online banking credentials. = Key Features = * Secure ACH Payments: Accept U.S. bank payments with Plaid's robust verification, ensuring every transaction is safe and secure. * Plaid Integration: Built-in Plaid support adds an extra layer of security and trust by verifying customers' bank accounts. * Streamlined Checkout: Simplify the checkout process and reduce cart abandonment. Customers log in to their bank accounts seamlessly through Plaid's secure interface. * Automated Payment Management: Automate payment processing and subscription management, eliminating manual tracking. * Recurring Payments & Subscriptions: Set up recurring payments to ensure steady, predictable revenue. * Authorization-Only Capture: Need to charge customers later? Capture their bank details at checkout for future payments – ideal for free trials or deferred billing. * Quick Refunds: Effortlessly process refunds to maintain customer satisfaction. With Paynote, you can improve user experience, boost checkout conversions, and streamline payment management. Start simplifying ACH payments today! = Setup Instructions = Setting up the Paynote plugin is quick and easy:
  1. Create a Paynote Account:
    Don't have an account? Sign up here. It's free, fast, and no credit card is required.
  2. Install the Plugin
    To install the Paynote plugin on your WooCommerce site:
  3. Configure the Plugin
  4. Secret Key
  5. Whitelist Payote IPs and Domains with your security solutions
  6. Enable Paynote as a Payment Method
  7. Test the Installation
  8. Go Live
That's it! Paynote will now appear as a payment option at checkout. Your WooCommerce store is now ready to accept Paynote ACH payments! All transactions and received payments can be viewed in your Paynote Dashboard. = External Services = The Paynote plugin integrates with **Plaid**, a trusted leader in bank verification services and a long-standing partner of Paynote. **How It Works**: * During checkout, customers interact with a secure Plaid iframe to log into their bank account, select their preferred account, and authorize the payment. * Plaid handles all bank account verification and authentication. Paynote **does not store any bank account details**. For more information, please review Plaid's End User Services Agreement and Privacy Policy. **Enhance your payment suite today with Paynote and experience the simplicity of Plaid-verified ACH payments.** == Installation == ###Paynote Plugin Installation Guide: **Prerequisites** * A **Paynote** account is required. Create an account here if you don't have one. * Ensure your WordPress version is **4.7 or newer** and updated to the latest version for full compatibility. **Installation Options** **Option 1: Install Directly from WordPress**
  1. Go to your WordPress Admin Dashboard.
  2. Navigate to Plugins > Add New.
  3. In the search bar, type "Paynote".
  4. Locate the Paynote plugin in the search results.
  5. Click Install Now, and once installed, click Activate.
**Option 2: Upload the Plugin Manually** If you've already downloaded the plugin file:
  1. Go to your WordPress Admin Dashboard.
  2. Navigate to Plugins > Add New.
  3. Click the Upload Plugin button.
  4. Click Choose File and upload the downloaded Paynote.zip file
  5. Click Install Now, and once the installation finishes, click Activate.
**Verification and Compatibility** * Ensure your WordPress version is compatible (4.7 or higher). * If you encounter any issues, verify your WordPress version and update as needed. **Next Steps** Once installed and activated, you can proceed to configure the Paynote plugin for your site. By following these steps, you'll seamlessly install and enable the Paynote plugin on your WordPress platform. == Frequently Asked Questions == = Do I need a US bank account? = Yes, a US business checking account is required for all Paynote accounts. = What documents are required? = EIN Letter, Drivers License, Last month's bank statement, Voided Check. = When will I get my funds? = This is dependent on the funding speed enabled on your merchant account. With same-day ACH, you'll receive funds within 2 business days, and with standard ACH you'll receive funds within 4 business days. = How can I process a refund? = You can initiate a refund once the transaction is paid. You can cancel a transaction as long as the payment has not yet been exported. The timing of when the payment is exported depends on the funding speed selected (standard or same-day). You can check the *Exported By* timelines here. = How can I cancel a transaction? = You can cancel a transaction as long as the payment has not yet been exported. The timing of when the payment is exported depends on the transaction type (debit/credit) and the funding speed selected (standard or same-day). You can check the *Exported By* timelines here. RTP credits cannot be cancelled. == Screenshots == 1. Installed Paynote plugin 2. General settings 3. Activate additional payment methods with just a few clicks 4. New payment method on the checkout page 5. Paynote API Secret Keys == Changelog == = 1.0.0 = * Initial stable release. = 1.1.0 = * Added compatibility with **WooCommerce Blocks Checkout** for a seamless checkout experience. = 1.1.1 = * Minor fixes and performance improvements. = 1.1.2 = * Minor fixes and performance improvements. = 1.1.3 = * Implementation of new Plaid functionality. = 1.1.4 = * Added three new statuses: ACH Processing, ACH Declined, ACH On-Hold. * Updated plugin description. * Revised documentation based on recent changes. = 1.1.5 = * Minor fixes in JavaScript and performance improvements. = 1.1.6 = * Minor fixes in JavaScript for IOS. = 1.1.7 = * Integrated email status notifications. * Updated documentation and instructions. * Fixed minor issues. * Improved error response handling. = 1.1.8 = * Minor fixes and performance improvements. = 1.1.9 = * Added support for payment via WooCommerce payment link. = 1.2.0 = * Improved Webhook Management: The plugin now automatically checks whether the webhook is configured correctly and offers a one-click option to set or update it, eliminating the need for manual copying and setup. = 1.3.1 = * Fixed critical error on settings page caused by typographic (curly) quotes in PHP code. * Fixed curly quotes in email template. = 1.3.0 = * Security improvements: added capability checks and nonce verification on AJAX handlers, timing-safe authorization comparison in webhook, JSON input validation. * Fixed undefined variable in webhook error handling. * Fixed class naming to follow WordPress coding standards. * Fixed typo in constant name. * Improved output escaping in settings page.