WooCommerce Credo Installments Payment Gateway

Plug and Pay WooCommerce Credo Installments Payment Gateway product page.

• 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 plugin includes an automated background polling system to keep order statuses synchronized for both Installments and Divide (BNPL) methods.

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. When viewing a Credo order in WooCommerce, administrators can use the Credo installment status button to query the current application status directly from the order 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.

The gateways are available at checkout only when the plugin is enabled and the required Merchant ID, Min Installment/Divide, and Max Installment/Divide settings are filled in.

You can define the range of cart totals for which the gateways will be available. Both methods share basic connectivity settings but have independent availability limits:

• Min Amount: The minimum cart total (in GEL) required to enable the method.
• Max Amount: The maximum cart total (in GEL) allowed for the method.

If the cart total is outside the defined range for a specific method, that 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 a Credo payment method. This fee is calculated based on the cart contents' total (including tax) and can be configured independently for Installments and Divide.

• Debug log: Enable this to log events and API communications. Each gateway (Installments and Divide) maintains its own log file for easier troubleshooting. Logs can be found under WooCommerce > Status > Logs.