Payment Gateway Addon - Multi-Wallet Payments, Merchant Onboarding & WooCommerce Plugin for Bicrypto 6.0.0

Payment Gateway for Bicrypto Features

• Multi-Wallet Payments: Accept payments from FIAT, SPOT, and ECO wallets with automatic exchange rate calculation and split payment allocation across multiple wallets.

• Merchant Onboarding: Complete merchant registration system with business profile, logo upload, KYC verification integration, and admin approval workflow.

• Dual API Key System: Separate Live (sk_live_, pk_live_) and Test (sk_test_, pk_test_) API keys with SHA256 hashing, expiration support, and secure key rotation.

• IP Whitelisting: Restrict secret key usage to specific IP addresses with IPv4, IPv6, and CIDR notation support for enhanced security.

• Granular Permissions: Fine-grained permission control including payment.create, payment.read, payment.cancel, refund.create, and refund.read capabilities per API key.

• 5 Checkout Themes: Beautiful pre-built checkout designs: Starter, DarkPremium, PurpleGlass, CyberTech, and LuxuryGold with merchant customization.

• Real-Time Exchange Rates: Automatic price calculation between payment currency and customer wallets with 2% tolerance for rate fluctuations.

• Split Payment Allocation: Allow customers to pay from multiple wallets simultaneously with proportional allocation and visual balance indicators.

• Automatic Fee Collection: Configurable percentage, fixed, or combined fee structures with proportional fee splitting across multi-wallet payments.

• Full & Partial Refunds: Process refunds proportionally to original payment wallets with automatic fee return and merchant balance adjustments.

• Payout Scheduling: Four payout modes (Instant, Daily, Weekly, Monthly) with configurable minimum thresholds and admin approval workflow.

• Webhook Notifications: Real-time event webhooks for payment.created, payment.completed, payment.failed, refund.completed with HMAC-SHA256 signature verification.

• Webhook Retry System: Automatic retry mechanism with exponential backoff, configurable max attempts, and detailed delivery logging.

• Transaction Limits: Per-transaction, daily, and monthly limits for merchants with automatic enforcement and validation.

• Payment Sessions: Secure payment intent creation with configurable expiration, line items, customer info, billing address, and metadata support.

• Merchant Dashboard: Comprehensive dashboard with real-time balance tracking, 30-day analytics, payment history, and payout management.

• Admin Dashboard: Full merchant oversight with approval workflow, payment monitoring, refund tracking, payout management, and global statistics.

• WooCommerce Plugin: Ready-to-use WordPress plugin for seamless WooCommerce integration with downloadable ZIP package.

• Balance Management: Per-currency, per-wallet-type balance tracking with available, pending, and reserved balance separation.

• KYC Integration: Optional KYC requirement enforcement with auto-approval for verified users and verification status management.

• Test Mode: Complete test environment with separate API keys allowing full payment flow testing without real transactions.

• Line Items Support: Rich order details with product names, descriptions, quantities, unit prices, and product images for checkout display.

• Customer Information: Capture customer email, name, and billing address with automatic user association on payment completion.

• Merchant Order Linking: Link payments to your internal order IDs with custom metadata for seamless order management integration.

• Transaction Locking: Database-level transaction locking with pessimistic locks to prevent race conditions and double-spending.

• 8 Decimal Precision: Financial calculations with 8 decimal place precision for accurate cryptocurrency payment handling.

• Audit Trail: Complete logging of API key usage, webhook attempts, payment status changes, and admin actions.

• Currency Configuration: Admin-configurable allowed currencies and wallet types per merchant with system-level defaults.

• Payout Statistics: Detailed payout reports with payment count, gross amount, fees, net amount, and refund tracking per period.

• API Documentation: Built-in interactive API documentation page with code examples, endpoint references, and error handling guides.

• Permission-Based Access: Granular admin permissions for viewing, editing, creating, and deleting gateway components.

Payment Gateway for Bicrypto Demo Access

• Link: Merchant Dashboard

• Link: Merchant Registration

• Link: API Key Management

• Link: Payment History

• Link: Payout Management

• Link: API Documentation

• Link: Integration Guide

• Link: Admin Gateway Dashboard

• Link: Admin Merchants

• Link: Admin Payments

• Link: Admin Payouts

Payment Gateway for Bicrypto Documentation

• Link: Installation Guide

• Link: Merchant Features

• Link: Admin Features

• Link: API Integration

Payment Gateway for Bicrypto Requirements

• Link: Bicrypto (core)

Supported Wallet Types

• FIAT Wallets: Traditional currency wallets (USD, EUR, etc.)

• SPOT Wallets: Cryptocurrency spot trading wallets

• ECO Wallets: Ecosystem native token wallets

Payout Modes

• Instant: Immediate payout processing

• Daily: Automatic daily settlement

• Weekly: Weekly payout batching

• Monthly: Monthly consolidated payouts

Checkout Themes

• Starter: Clean minimal design

• DarkPremium: Dark mode professional theme

• PurpleGlass: Modern glassmorphism style

• CyberTech: Futuristic tech-inspired design

• LuxuryGold: Premium gold accent theme