Description

This plugin adds EUROPAN — the network currency operated by Noble Private
Capital Ltd (europan.group) — as its own payment method inside WooCommerce.

How it works for the customer:

The customer selects “Pay with EUROPAN” at checkout.
They enter the email address and PIN from their EUROPAN account.
The plugin verifies the balance in real time via europan.direct (which itself
talks to the EUROPAN network) — this plugin never contacts EUROPAN’s core
infrastructure directly, only europan.direct, using the shop’s own partner
API key.
If the balance covers the full order amount, the order can be placed — this
payment method always requires the full amount to be covered by EUROPAN
balance; partial payment combined with another method is not supported.

Optional customer bonus:

Shop owners can configure an additional incentive for paying with EUROPAN,
either as a percentage of the order value or as a fixed amount. When enabled,
it appears as its own discount line directly in the cart/checkout totals as
soon as EUROPAN is selected as the payment method — no separate bonus credit
step is needed, the customer simply owes less.

For the shop owner:

Full-amount debit only, verified via email + PIN — no partial charges.
Your shop is credited the full (already, if applicable, discounted) order
amount — this plugin never deducts anything on EUROPAN’s behalf. EUROPAN’s
own service fee is invoiced to you separately and manually; it has nothing
to do with this plugin’s settings.
Order notes record every charge and any failures that require manual
follow-up.
Refunds and cancellations automatically credit the customer’s EUROPAN
balance back (the shop’s own credit is intentionally NOT auto-reversed —
this is flagged for manual reconciliation instead, to avoid silently
leaving a partner’s balance negative).
Works with both the classic (shortcode) checkout and the block-based
Cart & Checkout.

This plugin requires an active EUROPAN partner account and API key
(europan.direct) to function — it is not a general-purpose currency plugin.

External services

This plugin connects to europan.direct, an API operated by PAN21.COM
Corporate Consultants Ltd on behalf of Noble Private Capital Ltd, to verify
EUROPAN balances and settle payments on behalf of the shop. It is needed
because EUROPAN balance verification and settlement can only happen through
this partner API — this plugin never contacts EUROPAN’s core account
infrastructure directly.

When a customer checks their EUROPAN balance or completes a payment, this
plugin sends the following data to europan.direct, using the shop’s own
partner API key:

The email address and PIN entered by the customer (used only to verify the
balance — never stored by this plugin beyond the current checkout session).
The order amount and a reference derived from the WooCommerce order number.

This happens every time a customer selects “Pay with EUROPAN” at checkout
and submits their credentials. No other customer or site data is transmitted.

This service is provided by PAN21.COM Corporate Consultants Ltd:
Terms of Service,
Privacy Policy.

Installation

Install and activate the plugin (requires WooCommerce to be active).
Register for a EUROPAN partner account and API key at
europan.direct/partners.html —
the Free tier issues an active API key immediately, no waiting.
Go to WooCommerce Settings Payments EUROPAN.
Enable the gateway and enter your API key. That’s the only account-specific
setting — your partner email is resolved automatically from your account,
and your shop is always credited the full order amount (EUROPAN’s own
service fee, if any, is billed to you separately and manually — it plays
no role in this plugin).
Optionally configure the customer bonus (percentage or fixed amount).
Save. EUROPAN now appears as a payment option at checkout.

FAQ

Can a customer pay part of the order with EUROPAN and the rest with another method?: No. This gateway always requires the entire order total to be covered by the
customer’s EUROPAN balance. There is no partial-payment / split-payment option.
What happens if the customer’s balance doesn’t cover the order?: The order cannot be placed until either the balance is sufficient or a
different payment method is chosen.
Does the shop owner need a EUROPAN account?: Yes — a EUROPAN partner account and API key from europan.direct are required
to receive credits for completed orders.
Is the bonus optional?: Yes, it is fully optional and disabled by default. Shop owners choose whether
to offer it at all, and whether it’s a percentage or a fixed amount.

Reviews

There are no reviews for this plugin.

Contributors & Developers

“EUROPAN for WooCommerce” is open source software. The following people have contributed to this plugin.

europan

Translate “EUROPAN for WooCommerce” into your language.

Interested in development?

Browse the code, check out the SVN repository, or subscribe to the development log by RSS.

Changelog

0.6.4

Added a dedicated “External services” section to readme.txt disclosing
data sent to europan.direct, with links to its Terms of Service and
Privacy Policy (both newly published), per WordPress.org review feedback.
Fixed “Tested up to” to use Major.Minor format only (7.0, not 7.0.1).

0.6.3

Updated compatibility metadata ahead of WordPress.org submission: tested up
to WordPress 7.0.1 and WooCommerce 10.9. No functional changes.

0.6.2

Fixed two Plugin Check nonce-verification warnings that were reintroduced
during the 0.6.0 architecture rewrite: the phpcs:ignore annotation must sit
on the exact same line as the flagged code to have any effect — it had
drifted onto a separate comment line above it again (same class of mistake
as in 0.5.3, now fixed in both places it recurred).

0.6.1

Corrected a mistake introduced in 0.6.0: the shop is now credited the FULL
order amount, with no automatic deduction whatsoever. An earlier version of
the new europan.direct-based settlement briefly deducted a per-partner
commission automatically — that was wrong. Any discount the customer
receives is entirely the shop’s own choice (the plugin’s own configurable
bonus feature); EUROPAN’s own service fee is invoiced to the shop manually
and separately, and has no representation anywhere in this plugin’s code,
settings, or the europan.direct database.

0.6.0

SECURITY & ARCHITECTURE: this plugin no longer talks to EUROPAN’s core account
infrastructure directly under any circumstances. It previously asked shop
owners to enter “their own API key” for direct balance-check/debit/credit
calls — but that infrastructure only ever recognized one shared internal key
used across the whole EUROPAN network, never per-partner keys. Distributing
that key to third parties would have allowed debiting any customer’s balance
without their PIN. The plugin now exclusively calls europan.direct using the
shop’s own harmless, scoped partner key; europan.direct performs the actual
balance/debit/credit operations server-side.
Removed the “Partner-E-Mail” and “Netzwerk-Kommission” settings entirely —
both are now resolved automatically from the shop’s partner account on
europan.direct and were never something the shop should have been able to
self-declare (the commission in particular directly determines the shop’s
own payout, so shop-editable was a real integrity gap).
Simplified checkout flow: balance verification and the actual charge each
happen in a single call now (previously multiple separate steps across two
files), with the charge itself completing synchronously before an order is
ever marked as placed, rather than being finalized later via a hook.

0.5.4

Fixed several incorrect domain references: partner registration and API
keys come from europan.direct, not europan.group (europan.group is only
where end customers buy EUROPAN vouchers — that reference was correct and
is unchanged). Also corrected the description of which API the plugin
actually talks to at runtime (noble-limited.com), and removed a privacy
policy link that pointed to a page which doesn’t exist.
Installation instructions now link directly to the live, self-service
registration page (europan.direct/partners.html).

0.5.3

Fixed a Plugin Check nonce-verification warning by moving the phpcs:ignore
annotation onto the exact flagged line (it previously sat on a separate
comment line above, where it had no effect).
Removed every suggested/default commission percentage from the plugin
(activation-time default, settings field default, “recommended range”
text, input max cap). The network commission is a per-partner business
agreement, not something this plugin should hint at or assume — shop
owners enter exactly the rate agreed with PAN21/EUROPAN, and an unset
rate is treated as 0%, never a guessed number.

0.5.2

Clarified that payouts to shop owners are currently handled manually
(periodic bank transfer, no automated payout run) and that bank details
for this must be provided during partner registration on europan.direct —
not in this plugin’s own settings, which never transmits bank data
anywhere. Also recommends using a dedicated partner email address (never
used for personal EUROPAN spending) so the earned commission balance stays
distinguishable from any personal balance on the same account.

0.5.1

Documentation correction only, no functional change: removed outdated
“closed-loop, no cash payout” claims from code comments, settings text and
this readme. The intended model for partner settlement is now a real Euro
bank payout (funded from EUROPAN’s voucher pre-sale float), but this is not
yet implemented on the backend — the plugin still issues an EP credit to
the shop’s own EUROPAN balance, exactly as before. This version only makes
the documentation honest about that gap; nothing about the actual payout
behaviour changed.

0.5.0

The EUROPAN API key is now entered directly in the gateway’s own settings
screen (WooCommerce Settings Payments EUROPAN), like every other
payment gateway plugin — previously it required editing wp-config.php,
which isn’t practical for a self-service WordPress.org plugin. A
wp-config.php constant is still supported as an optional override for
advanced/managed deployments, but is no longer required.

0.4.2

Renamed the plugin to “EUROPAN for WooCommerce” (English “for”) — the
previous German “für” isn’t recognized by the WordPress.org Plugin
Directory’s trademarked-term check for third-party WooCommerce
extensions, even though the meaning is identical.
Removed a leftover hidden file (.gitkeep) from the distributed plugin.
Fixed two Plugin Check warnings around input sanitization/nonce
verification (functionally no change — the input was already safe,
the code just needed to match the patterns the automated scanner
recognizes).
Updated “Tested up to” to the current WordPress version.

0.4.1

Added the official EUROPAN logo as the payment method icon.
EUROPAN-denominated amounts in the checkout panel now use the EUROPAN
currency symbol )( instead of € to distinguish them from the order’s actual
Euro total.

0.4.0

Changed the customer bonus from a post-payment balance credit to an
immediate discount on the order total, so it appears directly (with both
percentage and amount) in the cart/checkout totals table.

0.3.1

Fixed the bonus notice not appearing in the block-based Cart & Checkout
(it previously only rendered in the classic shortcode checkout).

0.3.0

Added an optional, shop-configurable customer bonus for EUROPAN payments.

0.2.1

Initial public-facing release: EUROPAN as a standalone WooCommerce payment
gateway, full-amount-only, with partner commission and refund handling.