=== BriizPay for WooCommerce ===
Contributors: briizpay
Tags: payments, open banking, pay by bank, woocommerce, uk
Requires at least: 6.1
Tested up to: 7.1
Requires PHP: 7.4
Stable tag: 1.0.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Take payments by bank transfer over UK Open Banking. No card machine, and no percentage taken from the sale.

== Description ==

BriizPay lets a UK shop take payments straight from a customer's bank account. The customer picks their bank and approves the payment in their own banking app. The money moves bank to bank over Faster Payments, usually arriving in seconds.

Because the payment does not go through the card schemes, there is no percentage of the sale. BriizPay charges a flat monthly fee instead.

= What you need =

* A BriizPay account with an approved company and a bank account set up
* A store priced in pounds. BriizPay settles to a UK bank account, so the payment method stays hidden at checkout in any other currency.

= What this does not do =

* It does not take card payments. Keep your card gateway alongside it.
* Refunds are made in the BriizPay dashboard, not the WooCommerce order screen.

== External services ==

This plugin connects your shop to **BriizPay**, a payment service operated by BriizPay (briizpay.com). The plugin cannot take payments without it: BriizPay is what creates the payment, shows the payer their bank selection, and moves the money.

**When it sends data.** Once at checkout, when a customer chooses BriizPay and places the order. Nothing is sent at any other time, and nothing is sent from your shop's front end.

**What it sends**, to `https://api.briizpay.com/v1/payment-requests`:

* the order total and currency
* the WooCommerce order number, so the payment can be matched back to the order
* the customer's billing name and email address, so the payer is not asked to type them again and so the receipt reaches them
* your shop's order-received URL, so the customer can be returned to your site

**What it receives back.** A payment link to send the customer to, and later a signed notification telling your shop the payment succeeded, which is what marks the order paid.

**What it never sends.** No card details, because BriizPay does not process cards. No product or basket contents. No customer data for any order that does not use BriizPay.

Your use of the service is governed by BriizPay's terms and privacy policy:

* Terms: https://briizpay.com/terms
* Privacy policy: https://briizpay.com/privacy

Using this plugin requires a BriizPay account with an approved UK business.

== Compatibility ==

Verified against these pairs, each the WordPress version and the newest WooCommerce that supports it:

* WordPress 7.1 with WooCommerce 11.1
* WordPress 6.9 with WooCommerce 10.9
* WordPress 6.6 with WooCommerce 9.8
* WordPress 6.4 with WooCommerce 8.9
* WordPress 6.1 with WooCommerce 7.9

Both checkouts are supported. WooCommerce 8.3 and later use the Checkout block, and the plugin registers a block payment method for it. Older versions use the shortcode checkout and get the classic gateway.

== Installation ==

1. Install and activate the plugin.
2. In BriizPay, go to Settings, API keys, and create a key.
3. In BriizPay, go to Settings, Webhooks, and register the URL shown in WooCommerce, Settings, Payments, BriizPay.
4. Paste the key and the signing secret into those settings and enable the method.

== Frequently Asked Questions ==

= Does my customer need an app? =

No. The payment opens their existing banking app, or their bank's website.

= When does the order get marked paid? =

When BriizPay tells the shop the payment succeeded, which normally happens within a second or two of the customer approving it. The shop does not rely on the customer returning to the site.

= Can I test it without moving real money? =

Yes. A key beginning bzp_sk_test_ runs against the BriizPay test environment.

== Changelog ==

= 1.0.0 =
* First release: pay by bank at WooCommerce checkout, signed webhooks, order reconciliation on the return page.
