=== GrineoPay Crypto Gateway with Instant Payouts ===
Contributors: grineopay, loquisoft
Tags: crypto gateway, payment gateway, crypto, high risk payment gateway, instant payouts
Requires at least: 5.0
Tested up to: 7.0
Stable tag: 1.0.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Accept crypto payments on your store using GrineoPay with instant payout routing.

== Description ==

GrineoPay Crypto Gateway with Instant Payouts lets merchants accept cryptocurrency payments directly on their store using supported crypto assets and networks routed through GrineoPay.

This plugin is built for merchants who want a crypto-only payment solution with a non-custodial checkout experience, wallet-based payments, and instant payout routing logic through the GrineoPay ecosystem.

With this plugin, customers can select supported cryptocurrencies during checkout and complete payment using their own wallet, while merchants receive the original cryptocurrency paid by the customer based on their configured GrineoPay wallet setup.

### Before You Start
To use this plugin, you will need a GrineoPay merchant account.

Create or access your account here:
* GrineoPay Login: [https://grineopay.com/login](https://grineopay.com/login)

Once your account is ready, you will need:
* your **Crypto API Key**
* your **Crypto API Secret**
* your **Crypto Webhook Secret**
* active wallet addresses saved in your GrineoPay merchant dashboard for the assets and networks you want to accept

### Key Benefits for Merchants
* **Crypto-only checkout**
* **Fully non-custodial payment flow**
* **Instant payout routing**
* **Receive the original cryptocurrency paid by the customer**
* **Wallet-backed crypto visibility**
* **WooCommerce classic checkout support**
* **WooCommerce Blocks checkout support**
* **Optional modal checkout**
* **Webhook-based order status updates**
* **Merchant-configurable minimum order amount**
* **Checkout discount support**
* **Remote wallet sync from GrineoPay**
* **Admin diagnostics panel via `?grineopay_debug=1`**

### Supported Cryptocurrencies and Networks
Current supported options include:
* Bitcoin (BTC) — Bitcoin
* Ethereum (ETH) — Ethereum
* Solana (SOL) — Solana
* Litecoin (LTC) — Litecoin
* Monero (XMR) — Monero
* Binance Coin (BNB) — BNB Chain
* Ripple (XRP) — XRP Ledger
* Dogecoin (DOGE) — Dogecoin
* Cardano (ADA) — Cardano
* Tron (TRX) — Tron
* Tether (USDT) — Tron
* Tether (USDT) — Ethereum
* Tether (USDT) — Polygon
* Tether (USDT) — BNB Smart Chain
* USD Coin (USDC) — Polygon
* USD Coin (USDC) — Ethereum
* USD Coin (USDC) — BNB Smart Chain
* USD Coin (USDC) — Arbitrum
* USD Coin (USDC) — Optimism
* USD Coin (USDC) — Solana

### Wallet-Based Crypto Visibility
This plugin only shows crypto methods at checkout when they are actually payout-ready.

A crypto option appears only if:
1. it is enabled in the WooCommerce gateway settings, and
2. the merchant has an active matching wallet configured in GrineoPay for that exact crypto/network combination

This helps prevent customers from choosing unavailable crypto methods and ensures checkout stays synchronized with the merchant’s GrineoPay wallet configuration.

### Useful Features
* Remote wallet-backed asset lookup from GrineoPay
* Fast reflection of merchant wallet changes on checkout
* Support for WooCommerce subscriptions compatibility flags
* Admin order crypto metadata display
* Discount support when GrineoPay is selected at checkout
* Debug panel for wallet visibility, credentials, and minimum order diagnostics

### Privacy, Security & Compliance
This gateway processes payment information with enterprise-level safety:
* End-to-end SSL/TLS encryption
* No storage of sensitive card information on your server
* Secure webhook signature verification
* Crypto checkout backed by merchant wallet validation
* Server-side validation for crypto asset availability
* Automatic sanitization of stored API credentials to prevent silent authentication failures caused by hidden or invisible characters
* Non-custodial customer payment flow
* Fully GPL-compatible and WooCommerce-friendly

### Helpful Links
* Create / Access Account: [https://grineopay.com/login](https://grineopay.com/login)
* Merchant Dashboard: [https://grineopay.com/merchant-dashboard/](https://grineopay.com/merchant-dashboard/)
* API Documentation: [https://grineopay.com/api-docs](https://grineopay.com/api-docs)
* Supported Countries: [https://grineopay.com/countries](https://grineopay.com/countries)
* Supported Industries: [https://grineopay.com/industries](https://grineopay.com/industries)
* Privacy Policy: [https://grineopay.com/privacy-policy](https://grineopay.com/privacy-policy)
* Terms of Service: [https://grineopay.com/terms-of-service](https://grineopay.com/terms-of-service)

== Installation ==

1. Upload the plugin files to the `/wp-content/plugins/grineopay-crypto-gateway-with-instant-payouts/` directory, or install through the WordPress plugins screen.
2. Activate the plugin through the **Plugins** screen in WordPress.
3. Create or log in to your merchant account at [https://grineopay.com/login](https://grineopay.com/login).
4. In your GrineoPay merchant environment, configure the wallet addresses for the crypto assets and networks you want to accept.
5. Go to **WooCommerce → Settings → Payments**.
6. Enable **GrineoPay Crypto Gateway with Instant Payouts**.
7. Enter your **Crypto API Key** and **Crypto API Secret** from your GrineoPay merchant account.
8. Copy the WooCommerce webhook callback URL shown in the gateway settings.
9. Add that webhook URL to your GrineoPay merchant webhook configuration.
10. Paste your **Crypto Webhook Secret** into the WooCommerce gateway settings.
11. Save your settings.
12. Optionally configure:
    * the minimum order amount
    * modal checkout
    * enabled cryptocurrencies
    * checkout discount settings

== Frequently Asked Questions ==

= Do I need a GrineoPay account before using this plugin? =
Yes. You must create or access a GrineoPay merchant account before using the plugin.

Login here:
[https://grineopay.com/login](https://grineopay.com/login)

You will need your merchant crypto credentials and active wallet configuration from GrineoPay in order to complete setup.

= What are the available payment methods? =
This plugin is a **crypto-only payment gateway**.

Customers pay directly using supported cryptocurrencies from their own wallet. The plugin does not process card payments, debit cards, Apple Pay, or Google Pay.

= What cryptocurrencies are supported? =
Supported options include:
* BTC
* ETH
* SOL
* LTC
* XMR
* BNB
* XRP
* DOGE
* ADA
* TRX
* USDT on supported networks
* USDC on supported networks

The exact list shown at checkout depends on:
1. the gateway settings, and
2. the merchant’s active wallets configured on GrineoPay

= Why is only Bitcoin showing at checkout? =
The WooCommerce plugin only shows crypto assets that are both:
1. enabled in the plugin settings, and
2. backed by active wallets returned by the GrineoPay API

If only Bitcoin is visible, check:
* the merchant has saved all desired wallets in the GrineoPay dashboard
* the selected enabled assets include those coins/networks
* the GrineoPay remote API is returning those wallets

= How quickly do wallet changes reflect on checkout? =
This plugin is configured to fetch wallet-backed assets fresh from GrineoPay with no persistent transient caching by default, so wallet additions or removals should reflect on the next checkout reload.

Because the WooCommerce store is separate from the GrineoPay platform, checkout visibility depends on the latest wallet-backed asset response from the remote GrineoPay API.

= What is the minimum order amount? =
The minimum order amount is configurable by the merchant in the WooCommerce payment gateway settings.

If the cart total is below that configured minimum, GrineoPay will be hidden at checkout.

Set the minimum to `0` if you want GrineoPay to always be visible regardless of cart total.

= What is the maximum order amount? =
There is no single universal fixed maximum in the plugin itself.

Practical limits may depend on:
* blockchain conditions
* wallet capabilities
* supported assets
* remote payment provider constraints
* risk and operational controls

= How does settlement work? =
GrineoPay settles in the **original cryptocurrency paid by the customer**.

If a customer pays in BTC, the merchant receives BTC.
If a customer pays in ETH, the merchant receives ETH.

This is designed for merchants who want original-coin settlement rather than automatic fiat conversion.

= What payout wallet do I need? =
You need a wallet that supports the cryptocurrencies and blockchain networks you want to accept through GrineoPay.

Because the merchant receives the original coin paid by the customer, the merchant must configure wallet addresses that match the enabled crypto asset/network combinations.

= Does this plugin support subscriptions? =
The gateway advertises recurring/subscription support flags for WooCommerce compatibility and recurring-capability indicators.

However, full recurring subscription logic depends on the broader WooCommerce and GrineoPay subscription setup.

= What are the processing fees? =
Processing fees are determined by your GrineoPay merchant terms and current platform pricing.

Refer to your GrineoPay merchant agreement or merchant dashboard for the latest pricing details.

= Which countries are supported? =
GrineoPay supports merchants and customers in most countries worldwide, excluding restricted jurisdictions.

For the current supported and restricted country list, visit:
[https://grineopay.com/countries](https://grineopay.com/countries)

= Do customers need KYC? =
GrineoPay’s crypto checkout is designed as a direct wallet-based payment experience.

Any compliance requirements depend on the merchant relationship, applicable laws, risk policies, and the evolving GrineoPay platform rules.

For the latest compliance position, refer to GrineoPay directly.

= Does GrineoPay require KYB for merchants? =
Merchant onboarding and compliance requirements are determined by GrineoPay’s current onboarding policy and supported business rules.

Please refer to your merchant onboarding flow and GrineoPay support for the latest account requirements.

= Is GrineoPay custodial? =
The checkout flow is designed to be non-custodial in customer experience terms, with wallet-based payment handling and direct merchant payout routing based on configured wallets.

= How quickly can I access my funds? =
Timing depends on:
* the blockchain network
* confirmation timing
* transaction conditions
* the GrineoPay payment routing flow

The plugin itself is designed for instant payout routing logic, but practical timing always depends on actual network confirmation and remote platform processing.

= How secure is GrineoPay’s payment system? =
This plugin is built around:
* webhook signature verification
* remote wallet-backed asset validation
* checkout-level crypto selection validation
* secure remote API communication
* credential sanitization
* WooCommerce-safe order state handling

= How do I integrate GrineoPay with my store? =
Install and activate the plugin, create your GrineoPay account, configure your wallets, add your API credentials in WooCommerce, and connect the webhook URL shown in the settings.

Then test checkout using a supported cryptocurrency.

= What happens if a customer’s payment fails? =
If the remote payment does not complete successfully, the WooCommerce order remains unpaid or is marked failed depending on the webhook status returned by GrineoPay.

= What businesses does GrineoPay support? =
GrineoPay supports a range of merchant categories depending on its current policies, supported countries, and risk criteria.

For the latest industries information, visit:
[https://grineopay.com/industries](https://grineopay.com/industries)

= How do I debug setup issues? =
As an administrator, add:

`?grineopay_debug=1`

to your checkout URL.

This will display a diagnostic panel showing:
* whether the gateway is enabled
* whether your credentials are configured and clean
* whether wallet-backed assets are being returned
* whether your cart meets the minimum order requirement

== Changelog ==

= 1.0.0 =
* Initial production release.
* Added crypto-only WooCommerce gateway support.
* Added wallet-backed crypto visibility.
* Added WooCommerce Blocks support.
* Added recurring/subscription support flags.
* Added checkout discount support.
* Added modal checkout support.
* Added debug diagnostics panel.
* Added webhook-based order updates.
* Added fresh remote wallet synchronization behavior.