=== Arkahost Payments for NLB ===
Contributors: arkahost
Tags: woocommerce, payment gateway, credit card, 3d secure, macedonia
Requires at least: 6.4
Tested up to: 7.0
Requires PHP: 7.4
Stable tag: 1.6.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Accept card payments in WooCommerce through the NLB bank's hosted 3D Secure payment page (Bankart Gateway).

== Description ==

This plugin connects your WooCommerce store to the card payment platform used
by NLB (Bankart Gateway v3), so you can accept Visa and Mastercard payments
online.

The customer is sent to the bank's own secure payment page to enter their card
details and complete 3D Secure authentication, then returned to your store.
Card numbers are never entered on or stored by your site, which keeps your shop
out of the strictest PCI DSS scope.

**Features**

* Card payments through the bank's hosted 3D Secure page
* Every payment result is verified against the gateway's status API before the
  order changes - the plugin never trusts a redirect or notification on its own
* Protection against duplicate processing when the customer's return and the
  bank's notification arrive at the same moment
* A background check every 15 minutes finds orders whose bank notification was
  lost and brings them up to date automatically
* Signed requests (X-Signature), separate test and live credentials
* Order screen panel showing the transaction reference and payment state, with
  a "check with the bank now" button
* Works with both the classic checkout and the WooCommerce block checkout
* Compatible with High-Performance Order Storage (HPOS)
* Logging that never records card data

**What you need**

A signed e-commerce agreement with the bank. You receive an API key, a
username and a password for the payment gateway, which you enter in the plugin
settings, and you give the bank your notification address (shown in the
settings).

== Installation ==

1. Install and activate the plugin.
2. Go to WooCommerce > Settings > Payments and enable the NLB payment method.
3. Enter the API key, username and password supplied by the bank, for both the
   test and the live environment.
4. Copy the notification address shown in the settings and send it to the bank.
5. Use the "Test now" button to confirm the credentials, then place a test
   order before going live.

== Frequently Asked Questions ==

= Do I need an agreement with the bank? =

Yes. This plugin is the technical connection to the bank's payment platform;
the merchant account itself is arranged with the bank.

= Are card details entered on my website? =

No. The customer is redirected to the bank's secure payment page, so card data
never reaches your server.

= What happens if the bank's notification never arrives? =

A background job runs every 15 minutes, finds orders that are still waiting,
asks the gateway for their real status, and completes or fails them
accordingly. Nothing is decided from the notification alone.

= Does it work with the block checkout? =

Yes, both the classic checkout and the newer block checkout are supported.

== Trademarks ==

NLB and Bankart are trademarks of their respective owners. This plugin is
developed by Arkahost and is not affiliated with, endorsed by, or sponsored by
NLB or Bankart. The names are used only to describe which payment platform the
plugin connects to.

== External services ==

This plugin connects to the Bankart Gateway payment platform
(https://gateway.bankart.si) used by NLB in order to process card payments.
This connection is required for the plugin to work.

When a customer chooses this payment method and confirms the order, the plugin
sends the payment amount and currency, an order reference, your store's return
and notification addresses, the order line items, and the customer's billing
details (name, e-mail address, telephone number and address) to the gateway, so
the bank can process the payment and perform 3D Secure authentication. The
customer is then redirected to the bank's payment page.

The gateway afterwards sends the payment result to your store's notification
address, and the plugin confirms every result by asking the gateway's status
service for the transaction before changing the order. The same status service
is also queried by the background job that resolves orders whose notification
was lost. No data is sent to the gateway until a customer actively places an
order using this payment method.

Bankart Gateway documentation: https://gateway.bankart.si/documentation/gateway
Bank terms and privacy conditions are provided by the bank as part of your
merchant agreement.

== Screenshots ==

1. The payment method at the WooCommerce checkout.
2. The gateway settings screen with test and live credentials.
3. The payment panel on the order screen.

== Changelog ==

= 1.6.0 =
* First release on WordPress.org, split from the combined Arkahost NLB plugin.
  Payments, result verification, duplicate protection and the background
  status check are included. Refunds, capture of reservations, saved cards and
  subscription renewals are available in the premium add-on from arkahost.mk.
  Gateway id and settings are unchanged, so existing shops keep working.

== Upgrade Notice ==

= 1.6.0 =
First WordPress.org release.
