BNPLX Payment Gateway for WooCommerce

BNPLX.io - Match. Connect. Convert. More Sales, Fewer Dropouts – with bnplx.io! With bnplx.io, you get access to multiple international Buy Now, Pay Later (BNPL) providers through a single interface – whether you're in B2B or B2C. Your customers enjoy maximum payment flexibility, while you benefit from higher conversion rates. Smart Payment Routing for More Success You decide which BNPL providers to offer. If a payment request is declined, our intelligent routing takes over: The request is automatically redirected to the provider with the highest approval probability. No payment failures, no lost customers – just seamless checkouts in real time. Highlights

• Multiple BNPL providers across 27+ countries
• Baskets up to €100,000
• Intelligent auto-rerouting upon rejection for a seamless payment experience
• Invoice, Installment, and Direct Debit options
• Free in starter package Features
• Data-driven smart routing
• Auto retries
• Processing in seconds
• Dashboard access
• Monitoring and analytics

1.0.0

• 2025.03.20
• New - initial release.

1.0.1

• 2025.03.21
• New - script to create automatically a new version
• Tweak - add more details to the readme.txt

1.0.7

• 2025.10.19 New and Improved – Frontend Refactor
• Refactored payment form using native HTML and elements.
• Standardized all form fields to use 14px font size, 40px height, and consistent borders.
• Added user-friendly placeholder options: “Select gender”, “Day / Month / Year”, “Select country”.
• Improved accessibility with native keyboard navigation and screen reader compatibility.
• Fixed duplicate key warning for USA/Canada phone country codes.
• Maintained emoji flag display with fallback handling. Refactoring and Optimization
• Migrated all WordPress UI components to native HTML for improved performance.
• Added accessible loading spinner using CSS modules.
• Optimized decodeEntities logic for batching and error handling.
• Consolidated hard-coded values into formConstants.js.
• Cleaned up CSS modules and removed unused CustomDropdown component.
• Fixed DEFAULT_PAD reference error. Fixes – Payment Flow and Backend
• Added bnplx_phone_country_code hidden input to resolve backend validation errors.
• Removed redundant tax and amount calculations from build_payment_payload.
• Improved payload creation logic for order processing.
• Corrected tax calculation using WooCommerce getter methods.
• Fixed per-unit tax_amount calculation for order details.
• Removed unused methods from Order_Details_Builder. Internationalization
• Completed full German translation of all admin and frontend strings (105 total).
• Regenerated POT, PO, MO, and JSON translation files.
• Fixed translation inconsistencies and ensured complete i18n support.

1.0.8

• 2025.10.20 Improvements
• Regenerated POT/PO/MO/JSON; improved i18n script flow.
• JS Runtime: migrated http client to Axios with interceptors + timeout; lazy client init to avoid load-order issues.
• Woo Blocks: defined $user_id in payment method data; ensured script translations load via wp_set_script_translations.
• Correct construction of range/length messages (no mixed regex replacements).
• Improved order details handling

1.0.9

• 2025.10.27
• Use mathematical approach for precise tax calculations
• Add support for fees, gift cards, and multiple shipping methods
• Support currencies with no decimals (JPY, ISK)
• Remove rounding discrepancy fixes for consistent calculations

1.0.10

• 2025.10.29 Refactor payment intent update flow and improve security
• Harmonize create/update payment intent methods structure
• Fix calculate_payment_amounts return value usage (order_tax_amount)
• Remove redundant checkoutEvents.js, merge duplicate handlers
• Simplify update API response (return only payment_id)
• Add session-based payment ID validation for security
• Support both jQuery (classic) and native events (Blocks checkout)

1.1.0

• 2025.11.20 Refactor payment intent update flow and improve security
• Harmonize create/update payment intent methods structure
• Fix calculate_payment_amounts return value usage (order_tax_amount)
• Remove redundant checkoutEvents.js, merge duplicate handlers
• Simplify update API response (return only payment_id)
• Add session-based payment ID validation for security
• Support both jQuery (classic) and native events (Blocks checkout)

2.0.0

• 2026.04.19 Major: Hosted Payment Page (HPP) Integration

Replaced the embedded inline checkout with a redirect-based hosted payment page flow. Customers are now redirected to the BNPLX SDK to complete payment, then returned to WooCommerce where the order status is verified server-side. This significantly reduces plugin complexity and maintenance burden. New – Hosted Payment Page Flow

• Customer clicks "Place Order" → payment intent created server-side → redirect to BNPLX SDK
• After payment, customer returns to WooCommerce via wc-api callback
• Payment status verified server-side via BNPLX API (never trusted from URL params)
• Supports success, failure, cancellation, and requires_capture statuses
• Cart preserved until payment is confirmed — retry on failure without re-adding items
• Cancel detection via SDK /cancelled URL path for requires_payment_method status New – Admin Settings
• "Merchant ID" — merchant identifier registered on the BNPLX gateway
• "Checkout URL" — BNPLX hosted payment page URL (e.g. https://gateway.bnplx.io/sdk)
• "Checkout description" — configurable text shown at checkout (defaults to dynamic redirect message with payment method name)
• "Place Order" button overridden to "Continue to payment" when BNPLX is selected New – Block & Legacy Checkout Support
• Both WooCommerce Blocks checkout and legacy [woocommerce_checkout] shortcode supported
• Minimal 25-line blocks.js using plain JS (no React, no JSX, no build step)
• Consistent display: bold centered description, custom button label Removed – Embedded Frontend
• Removed all React components (PaymentFormContent, PaymentMethodSelector, PhoneNumberField, DateOfBirthField, GenderField, SSNField, HintAndPrivacyAgreement, LoadingSpinner)
• Removed all CSS modules and frontend services (httpClient.js, utils.js)
• Removed all AJAX endpoints (create/update payment intent, get payment methods)
• Removed frontend form validation (server-side validation no longer needed — SDK handles it) Removed – PHP Services
• WC_BNPLX_Payment_Service (AJAX payment intent creation)
• WC_BNPLX_Validation_Service (inline form validation)
• WC_BNPLX_Payment_Method_Service (AJAX payment method fetcher)
• WC_BNPLX_Customer_Service (customer data extraction for inline form)
• WC_BNPLX_Old_Checkout (legacy checkout renderer)
• WC_BNPLX_Settings_Sanitizer (validated removed payment methods order setting) Removed – Build Toolchain
• No more webpack, babel, node_modules, package.json, or npm install
• Zero JavaScript build dependencies — blocks.js committed directly as plain JS Removed – Admin Settings
• "Show gender dropdown", "Show date of birth dropdown", "Show SSN field" (SDK handles form fields)
• "Order of payment methods" (SDK handles method selection)
• "Retry Action" (hardcoded to manual_retry) Improved – Code Quality
• Removed ~4,000 lines of dead code
• Removed browser fingerprinting (SDK collects it on the hosted page)
• Billing/shipping phone sent as string instead of nested object (gateway schema compatibility)
• Consistent use of BNPLX_Keys constants and WC_BNPLX_Settings accessors throughout
• Redundant $order->save() calls removed (WooCommerce update_status already saves)
• Consolidated error redirect pattern into reusable redirect_to_checkout() helper
• Regenerated translation files — removed stale JS references, added new German translations Unchanged
• Capture, refund, and cancel admin actions remain fully functional in WooCommerce
• Manual capture via order actions
• HPOS (High Performance Order Storage) compatibility
• Subscription support