WooCommerce Credo Installments Payment Gateway

Documentation for the Plug and Pay WooCommerce Credo Installments Payment Gateway plugin.

• PHP: 7.4, 8.1, 8.2, or 8.3
• ionCube Loader: Required. For version requirements and installation details, check the IonCube Loader documentation.
• WooCommerce: 3.0.0 or higher

• Credo Merchant Account: You must have an active merchant agreement with Credo Bank.

Unlike credit card gateways where payment confirmation is usually immediate, installment approvals can take several days. The Credo Installments plugin includes an automated background polling system to keep order statuses synchronized.

1. Initiation: When a customer completes the checkout and is redirected to Credo, the WooCommerce order is placed On Hold.
2. Scheduling: A background task is automatically scheduled.
3. Execution: The task runs once every 24 hours.
4. Status Verification: On each run, the plugin queries the Credo API to check the current status of the application.
5. Auto-Updates:
   • If the application is Approved/Closed Successfully, the order status is updated to Processing (or Completed for virtual/downloadable products).
   • If the application is Rejected or Cancelled, the order status is updated to Failed.
6. Retry Limit: The background task will attempt to check the status for up to 7 days. If no final status is reached within this period, the task stops, and a note is added to the order.

Manual status checks can also be performed by store administrators from the WooCommerce Order Edit screen.

To connect your store to Credo Bank, you need to provide the following credentials:

• Merchant ID: Your unique merchant identifier provided by Credo Bank.
• Password: Secret string provided by Credo Bank for security hash. While optional, it is recommended for enhanced security.

You can define the range of cart totals for which the Credo Installments gateway will be available:

• Min Installment: The minimum cart total (in GEL) required to enable the gateway. Default is 150 GEL.
• Max Installment: The maximum cart total (in GEL) allowed to use the gateway. Default is 25000 GEL.

If the cart total is outside this range, the Credo Installments option will be hidden at checkout.

• Handling Fee %: You can specify a percentage fee that will be added to the order total when a customer chooses Credo Installments. This fee is calculated based on the cart contents' total (including tax).

• Debug log: Enable this to log events and API communications. Logs can be found under WooCommerce > Status > Logs.