=== WooCommerce Gateway Nexzoneo Pay ===
Contributors: nexzoneo
Tags: woocommerce, payment, gateway, credit card, nexzoneo, payments, ecommerce
Requires at least: 5.8
Tested up to: 6.6
Requires PHP: 7.4
Stable tag: 1.0.37
License: GPL v2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Accept payments via Nexzoneo Pay in your WooCommerce store with enhanced reliability and performance.

== Description ==

The Nexzoneo WooCommerce Payment Gateway plugin allows you to accept credit card, debit card, and bank transfer payments directly on your WooCommerce store through the Nexzoneo payment platform.

**Version 1.0.37 Improvements:**

🎨 **Enhanced User Experience:**
* Native WooCommerce error handling - errors now display within your themed checkout page
* Automatic cart restoration when payments fail, are cancelled, or expire
* Professional error/notice messages following WooCommerce conventions
* Users stay within your store's design throughout the entire payment flow
* Immediate retry capability without manual cart restoration

✅ **Payment Flow:**
* Success → Redirects to order confirmation page
* Cancelled → Returns to checkout with notice, cart restored
* Failed → Returns to checkout with error, cart restored
* Expired → Returns to checkout with error, cart restored

**Version 1.0.36 Improvements:**

🔧 **WordPress Site Health Compatibility:**
* Enhanced compliance with WordPress Site Health recommendations
* Better debug logging practices with security considerations
* Improved documentation for WordPress best practices
* Optimized plugin performance and resource usage

✅ **Best Practices:**
* Follows WordPress coding standards and security guidelines
* Compatible with WordPress Site Health monitoring
* Secure handling of sensitive configuration data
* Production-ready with comprehensive error handling

**Enhanced Version 1.0.30+ Features:**

🚀 **Dispute Management Integration:**
* Enhanced dispute handling with automatic order status updates
* Real-time dispute notifications and email alerts
* Comprehensive dispute tracking and resolution workflow
* Integration with Nexzoneo's advanced dispute management system

🛡️ **Settlement Processing:**
* Improved settlement processing with dispute reserves and fee calculations
* Better payment reconciliation and monitoring capabilities
* Enhanced financial reporting and tracking
* Advanced settlement report integration

🔧 **Enhanced Reliability:**
* Advanced webhook validation and processing reliability
* Better error handling and comprehensive logging
* Improved compatibility with latest Nexzoneo payment system (September 2025)
* Enhanced security with improved fraud protection

**Key Features:**

* **Multi-Provider Support**: Powered by Nexzoneo's intelligent payment routing platform
* **Intelligent Routing**: Automatic payment provider selection and failover
* **Real-time Processing**: Instant payment verification and order completion
* **Comprehensive Refunds**: Full and partial refund support directly from WooCommerce
* **Advanced Security**: PCI DSS compliant with HMAC signature validation
* **Multi-Currency**: Support for 100+ currencies with automatic conversion
* **WooCommerce Blocks**: Full compatibility with WooCommerce checkout blocks
* **Subscription Support**: Compatible with WooCommerce Subscriptions
* **Mobile Optimized**: Responsive payment experience across all devices

**Supported Payment Methods:**
* Credit Cards (Visa, MasterCard, American Express, Discover)
* Debit Cards
* ACH/Bank Transfers
* Digital Wallets (Apple Pay, Google Pay)
* International payment methods

**Why Choose Nexzoneo?**

* **Reliability**: 99.9% uptime with intelligent failover systems
* **Security**: Bank-grade encryption and PCI DSS Level 1 compliance
* **Global Reach**: Accept payments from customers worldwide
* **Competitive Rates**: Transparent pricing with no hidden fees
* **24/7 Support**: Expert support team available around the clock
* **Easy Integration**: Simple setup with comprehensive documentation

**Requirements:**

* WooCommerce 5.0 or higher (tested up to 10.1.2)
* WordPress 5.8 or higher
* PHP 7.4 or higher
* SSL certificate (required for production)
* Nexzoneo merchant account

**Getting Started:**

1. **Sign Up**: Contact our support team to create your Nexzoneo merchant account at https://nexzoneo.freshdesk.com
2. **Install**: Download and install this plugin from https://payment.nexzoneo.com/plugins/woocommerce/
3. **Configure**: Enter your API credentials in WooCommerce settings
4. **Test**: Process test transactions to ensure everything works
5. **Go Live**: Switch to production mode and start accepting payments

**Support & Documentation:**

* **Documentation**: https://docs.nexzoneo.com/woocommerce/
* **Support**: https://nexzoneo.freshdesk.com
* **Dashboard**: https://payment.nexzoneo.com/cp/

== Installation ==

**Download and Install:**

1. Download the plugin ZIP file from https://payment.nexzoneo.com/plugins/woocommerce/
2. Log in to your WordPress admin panel
3. Go to Plugins → Add New → Upload Plugin
4. Choose the downloaded ZIP file and click "Install Now"
5. Click "Activate Plugin" to enable Nexzoneo Pay

**Note**: This plugin is not available in the WordPress.org plugin repository. You must download it directly from our website.

**Configuration:**

1. Go to WooCommerce → Settings → Payments
2. Click on "Nexzoneo Payment" to configure
3. Enter your Site Key and Security Token from your Nexzoneo dashboard
4. Configure webhook URL in your Nexzoneo dashboard
5. Test the integration and go live

== Frequently Asked Questions ==

= Do I need a Nexzoneo account to use this plugin? =

Yes, you need a Nexzoneo merchant account. Contact our support team at https://nexzoneo.freshdesk.com to get started.

= Is this plugin secure? =

Yes, the plugin uses industry-standard security measures including HMAC signature validation, SSL encryption, and PCI DSS compliance.

= Can I process refunds through WooCommerce? =

Yes, you can process full and partial refunds directly from the WooCommerce order management interface.

= Does this work with WooCommerce Subscriptions? =

Yes, the plugin is compatible with WooCommerce Subscriptions for recurring payments.

= What currencies are supported? =

The plugin supports 100+ currencies. The available currencies depend on your Nexzoneo account configuration.

= Can I test payments before going live? =

Yes, the plugin includes a sandbox mode for testing. You can get sandbox credentials from your Nexzoneo dashboard.

= How do I set up webhooks? =

Configure the webhook URL in your Nexzoneo dashboard: `https://yoursite.com/wc-api/nexzoneo`

= Is customer data stored securely? =

Customer payment data is processed securely through Nexzoneo's PCI DSS compliant infrastructure. No sensitive payment data is stored on your server.

== Screenshots ==

1. Plugin settings page with configuration options
2. Checkout page showing Nexzoneo payment option
3. Secure payment form hosted by Nexzoneo
4. Order management with refund capabilities
5. Webhook configuration in Nexzoneo dashboard

== Changelog ==

= 1.0.37 =
* **IMPROVED**: Payment error handling now uses native WooCommerce notices
* **ENHANCED**: Better UX - users stay within themed checkout page for errors
* **ADDED**: Automatic cart restoration when payment fails/cancelled/expires
* **IMPROVED**: Professional error/notice messages following WooCommerce conventions
* **FIXED**: Custom error page now only used for critical security errors
* **UX**: Users can immediately retry payment without manual cart restoration
* **CONSISTENCY**: All error handling now matches WooCommerce and major payment gateways

= 1.0.36 =
* **IMPROVED**: WordPress Site Health compatibility and recommendations
* **ENHANCED**: Better debug logging practices and security recommendations
* **UPDATED**: Documentation for WordPress best practices compliance
* **OPTIMIZED**: Plugin performance and resource usage
* **ADDED**: Enhanced error handling for edge cases
* **SECURITY**: Improved validation and sanitization throughout
* **COMPATIBILITY**: Tested with WordPress 6.6 and PHP 8.1+
* **DOCUMENTATION**: Expanded readme with best practices and troubleshooting

= 1.0.35 =
* **ADDED**: Customer phone number now sent to payment API (required for Swipelux and other providers)
* **ADDED**: Customer first name and last name separately sent for better provider compatibility
* **ENHANCED**: Full customer data now transmitted to support all payment provider requirements
* **IMPROVED**: Better compliance with payment provider KYC/AML requirements

= 1.0.34 =
* **FIXED**: Critical syntax error in class-nexzoneo-api.php that caused WordPress fatal errors
* **CLEANED**: Removed all debug logging statements for production stability
* **VERIFIED**: All PHP files pass syntax validation for reliable operation
* **STABLE**: Maintains all functionality from v1.0.33 with improved reliability

= 1.0.29 =
* **MAJOR UPDATE**: Enhanced dispute management integration
* **NEW**: Automatic dispute handling with order status updates
* **NEW**: Real-time dispute notifications and email alerts
* **IMPROVED**: Settlement processing with dispute reserves and fee calculations
* **ENHANCED**: Payment reconciliation and monitoring capabilities
* **ADDED**: Advanced webhook validation and processing reliability
* **UPDATED**: Compatibility with latest Nexzoneo payment system (September 2025)
* **ENHANCED**: Security with improved fraud protection
* **IMPROVED**: Error handling and comprehensive logging
* **ADDED**: Better support for refund processing and chargeback management
* **UPDATED**: Compatibility with WooCommerce 10.1.2+

= 1.0.28-enhanced =
* **MAJOR UPDATE**: Enhanced payment verification system
* **NEW**: Immediate payment_intent_id handling for faster processing
* **IMPROVED**: Webhook processing reliability and error recovery
* **ENHANCED**: Security validation and fraud protection
* **OPTIMIZED**: Session linking for reduced payment completion time
* **ADDED**: Enhanced debug logging and error diagnostics
* **FIXED**: Various edge cases in payment processing
* **UPDATED**: Compatibility with WooCommerce 8.5+
* **ADDED**: Custom order status for better payment tracking
* **IMPROVED**: API error handling and user feedback

== Privacy Policy ==

This plugin connects to the Nexzoneo payment processing service to handle transactions. When processing payments, the following data may be transmitted to Nexzoneo:

**Nexzoneo (https://nexzoneo.com)**
* Order information (amount, currency, order ID)
* Customer billing information (name, email, address)
* Payment method details (processed securely, not stored locally)
* Transaction metadata for processing and fraud prevention
* Privacy Policy: https://nexzoneo.com/privacy
* Terms of Service: https://nexzoneo.com/terms
* Purpose: Payment processing and transaction management

**Payment Providers (via Nexzoneo)**
* Multiple payment processors for optimal reliability and coverage
* Intelligent routing ensures the best processing rates and success rates
* Purpose: Actual payment processing and settlement

All data transmission is encrypted and follows industry security standards.

== Upgrade Notice ==

= 1.0.37 =
Significant UX improvement: Payment errors now display within your themed checkout page with automatic cart restoration. Highly recommended for better customer experience.

= 1.0.36 =
Enhanced WordPress Site Health compatibility, improved security practices, and better documentation. Recommended for all users running WordPress 6.6+.

= 1.0.35 =
Important update adding customer phone number support for payment providers. Required for Swipelux and recommended for all users.

= 1.0.34 =
Critical bug fix for syntax errors. All users should upgrade immediately.

= 1.0.29 =
Major update with enhanced dispute management, settlement processing improvements, and better webhook reliability. Recommended for all users.

= 1.0.28-enhanced =
Critical update with improved payment verification and webhook processing. Highly recommended upgrade for better reliability.
