WiPay WooCommerce Credit Card Plugin

Please note, the plugin is dependent on your website having WooCommerce installed and configured on your WordPress-based website.

Click the above button to download the latest version of the plugin.

Below is a list of changes we’ve made to our Plugin over time. You’ll also be able to download some older versions of our plugin here.

Plugin Change Log

2.0.2 (October 2020)

1. Revised how the Total at Checkout (before fees are applied) is calculated
2. Revised how the Total is sent to the WiPay API (after the Checkout stage)
3. Fixed the off-by-1(cent) rounding that occurs in native WC at Checkout
4. Added complete plugin version number in the header of the plugin’s Settings page
5. Plugin now supports both PHP 5.6+ and PHP 7.1+

2.0.1 (July 2020)

1. Updated how the total at checkout (before fees are applied) is calculated
2. Updated logic to double-check the total (without fees) to be sent to the WiPay API (after the checkout stage)
3. Patched ‘hash’ mismatch error behavior (temporary)

2.0.0 (May 2020)

1. Update how the plugin handles currency:
   – Removed automatic currency conversion from `USD` to `TTD`, if the WooCommerce store is configured with `USD` as the primary currency.
      (Revert from `v1.1#2`)
   – Uses the configured WooCommerce currency for it’s operation.
   – Streamlined changing the currency in WooCommerce, from the plugin.
2. Updated logo and logo logic:
   – Revised the logo images, and sizes (height-emphasized; `128px – Large`, `64px – Medium` and `32px – Small`).
   – Added logo image preview built-in into the settings interface.
   – The logo image at checkout will display under the Checkout option text, at `Medium` and `Large` sizes.
   – The logo image at checkout will display in-line to the Checkout option text, at `Small` size.
   – Made “Small” version the default size of the logo simage.
3. Fixed (properly) the plugin not linking to the images correctly on fresh installs.
4. Updated Plugin URI; `wipaytoday` to `wipaycaribbean`.
5. Fixed conflict with WordPress security plugin `iTheme Security`, in the normal WiPay API processing.
6. Changed versioning convention, to now use standardized Sementic Versioning. Enforced from this version onwards.
7. Updated the README:
   – Added dates to the versions
   – Formatting revisions
   – Fixed typos
8. Changed terminology `business_key` -> `api_key` platform-wide (Revert from `v1.2#4`)

1.4 (March 2020)

1. Fixed the plugin not linking to the images correctly on fresh installs
2. Added new image size selector to allow the end user to configure how big they want the image at checkout to be (of the four pre-defined image sizes)

1.3 (December 2019)

1. Added new option to auto-complete the order upon successful payment
2. Added new feature that will show an Order Status of `Failed` if the payment was unsuccessful
3. Based on SandBox mode, or LIVE mode, the Credit Card option will now show `Credit Card (SANDBOX)` or `Credit Card` respectively
4. Updated the plugin url to be based on the folder (install) name

1.2 (November 2019)

1. Updated Plugin Name, URI, Description, Version, Author and Author Description
2. Updated Plugin form fields (plugin settings)
3. Reformatted source code
4. Removed old terminologies:
   – `seller_id`, `developer_id` -> `account_number`
   – `api_key` -> `business_key` (See `v2.0.0#9`)
5. Added option to choose a method to handle Transaction Fees; Customer Pays, 50/50 Split, Merchant Absorbs
6. Transaction Fees now shows up at the Checkout page
7. Transaction IDs are now shown after payment on the Thank You page
8. Transaction IDs are now shown in the Admin Panel
   – Note: Transaction IDs for SandBox payments are prefixed with `SB_`
9. Revised README with updated information

1.1 (November 2018)

1. Fix critical error with previous versions of WooCommerce
2. Support automatic currency conversion from `USD` to `TTD`, if the WooCommerce store is configured with USD as the primary currency. (See `v2.0.0#1`)
3. Changed name from `WiPay Credit Card` to `Credit Card`

1.0 (August 2018)

1. Initial release
  • This plugin allows you to select the currency for your website by configuring the plugin to match the currency set on the WooCommerce Plugin.
    However, the currency is limited to the platform selected.
    • Trinidad and Tobago platform: USD, TTD
    • Jamaica platform: USD, JMD
    • Barbados platform: USD, (BBD-Coming Soon)
    • Guyana platform: Coming Soon
    • St Lucia platform: Coming Soon
  • This plugin allows you to customize the Orders’ status upon successful payment. You have the choice of ‘processed’ or ‘completed’.
  • This plugin allows you to chose your fee structure. This allows you to decide how the WiPay fees are paid:
    • By the user (Merchant Absorb)
    • By the Customer (Customer Pay)
    • By both user and customer (50/50 split)
  • This plugin also allows you to select whether or not the fee structure is displayed.
  • The image of the VISA card and Mastercard can also be toggled to the your preference.
  • The plugin allows you to test the plugin using the ‘SandBox Mode’. This comes complete with a pre-populated account number and API key.
  • The plugin also allows you to log errors as it occurs with the ‘Enable Logging’ feature.
  1. Click the button at the top of this page to download the WiPay WooCommerce Plugin.
    NB: Pay attention to where the file is saved after downloads.
  2. On your WordPress Site, select ‘Plugins’ and ‘Add New’.
    Plugins-Add New
  3. On the Add Plugins Page, click ‘Upload Plugin’ then ‘Choose Files’.
    Plugins-Upload Plugin
  4. Navigate to where the WiPay WooCommerce Plugin is saved on your device and click ‘Install Now’.
    Plugin-Install Now
  5. Once installed and confirmed, click ‘Activate Plugin’. 
    Plugin-Activate Plugin

Once the plugin is Activated, it needs to be set up on your website.

  1. Locate the plugin on the plugins manager page.


  2. Click ‘Update’ at the top right-hand corner of the page.


  3. Select the ‘Fee Structure’ and ‘Image Size’ you desire and then check the following if unchecked.
    • Enable Plugin
    • AutoComplete
      NB: If you wish to push this plugin to LIVE, uncheck ‘SandBox Mode’
  4. Ensure you select the platform for your respective country


    Please note, each platform supports different currencies

    • TT platform – supports TTD and USD
    • JM platform – supports JMD and USD
    • BB platform – supports USD and XCD coming soon
    • Guyana platform Coming soon
    • St Lucia platform Coming soon
  5. Ensure the ‘Currency’ selected is the same as the currency selected via WooCommerce Settings
  6. Select your configurations for the following:
    • Fee Structure
    • Fee Structure Display
    • Image Size
  7. If ‘SandBox Mode’ was un-checked, fill out the ‘LIVE’ credentials.


    A prompt is given when the account number and API key are accepted.

    • WiPay Account Number
    • WiPay API Key
  8. If ‘SandBox Mode’ was checked, the credentials are pre-populated for testing purposes.


  9. Check ‘Enable Logging’ if you wish to log the information that this plugin processes.


    The ‘Download’ button allows you to download the logs whereas the ‘Clear’ button erases all data saved on the file.

  10. Click ‘Save Changes’ and a notification will appear confirming that the changes have been saved.
  11. At checkout, your customers will see the option to pay with credit card via the WiPay Platform and the fee structure will be displayed and reflected in the balance.
  1. Navigate to the Plugins page and locate ‘Credit Card (via WiPay)’
  2. Click ‘Deactivate’ then click ‘Delete’

This plugin allows the user to log event data. This allows the user to:

    • Obtain a log of events that occur with relations to the plugin
    • Provide a log to WiPay Customer Service

You will need to perform the following sets to provide the CS team with information to assist with your issue:

    1. Go to Plugins Manager -> Credit Card (via WiPay) -> Settings, then check “Enable Logging”.
    2. Click “Clear” to erase all previous data on the log file.
    3. Repeat the steps you took previously to encounter the error.
    4. Return to the settings page and click Download.
    5. Email the log file to WiPay Customer Service to support@wipaytoday.com, with a thorough description of the error you are encountering.

ISSUE: There is an error “WiPay Account is not authorized to receive USD payment“. For example, as seen at Checkout:

Plugin-USD authorizeSolution: Contact WiPay Customer Service and request permission to accept US payments.

ISSUE: Changing WooCommerce Currency to reflect my Platform Currency.

Solution: Follow the outlined steps to change the currency:

  1. Go to Plugins Manager -> Credit Card (via WiPay) -> Settings.
  2. Click on the Change button:
  3. Under Currency options, change the Currency to the required currency:
    Plugins-currency change
  4. Click Save Changes. Don’t forget to return to the Plugins Settings and finish setting up your plugin.

ISSUE: Locating the WiPay API credentials.

Solution: Follow the outlined steps to obtain your WiPay API credentials:

  1. Go to your WiPay Account Dashboard and Log-In using your registered email and password.
  2. At the top-right, select the drop-down menu and go to the Developer section.
  3. If you have not registered your website, you will need to enter your website URL and then click ‘Submit’.WiPay-AddAPI
  4. If you have registered your website, then your API key will be available to copy and paste.WiPay-CopyAPI
  5. Alternatively, you can choose to generate a new API by clicking Generate new API Key.

ISSUE: The WooCommerce Order has Status Failed, and has no Transaction Details.

Solution: Follow the outlined steps to Manually Verify the Status of the WooCommerce Order:

    1. Go to your WooCommerce Orders table by navigating to WooCommerce -> Orders.
    2. In the table, click on the Eye icon:
    3. A popup will appear with the Manual Verify button, click it.
    4. Wait for the process to complete, and you should see a properly completed Order, with a correct message in the Transaction Details column. For example;
      • [1-R1]: Transaction is approved. for a normal approved transaction, or
      • [2-R2]: Transaction is declined. for a normal declined transaction. (Note: other responses are possible!)

      The Status of the WooCommerce Order should also reflect either Failed, or Processing or Completed (based on your plugin settings).

  • “WiPay Transaction not found. Please revise the submitted transaction id.”
    This occurs when the system was unable to find the transaction.
  • “Unexpected WiPay server error. Please try again later.”
    This occurs when there is an unexpected error, and the web page requires the information to be resubmitted.
  • “Client Error”
    This occurs when webpage is redirected.