Description
Sovereign Settle – Stablecoin Gateway for WooCommerce is a non-custodial WooCommerce payment gateway. Customers send payment directly to the merchant wallet configured for the selected asset. The plugin does not hold funds or provide a hosted wallet.
The gateway creates an order-specific quote and payment window, displays the exact amount and receiving address, accepts the customer’s blockchain transaction ID, and verifies the asset, recipient, amount and required confirmations before completing the WooCommerce order.
Supported live-network configurations include:
- Ethereum: USDT, USDC, DAI and PYUSD.
- Polygon: USDT, USDC and DAI.
- BNB Smart Chain: USDT, USDC and DAI.
- Sepolia test mode: ETH for testing the payment flow before enabling live payments.
Version 1 supports the classic WooCommerce Cart and Checkout flow. Block Checkout is not part of the published V1 compatibility scope.
Key features
- Non-custodial payments sent directly to a configured merchant wallet.
- Per-asset wallet, confirmation, tolerance and payment-window settings.
- Order-specific crypto quotes and locally generated QR codes.
- Automatic transaction, token contract, recipient, amount and confirmation checks.
- Protection against transaction reuse across different orders.
- Guest-order access controls and expiry enforcement.
- Optional stablecoin checkout discount.
- WooCommerce HPOS compatibility declaration.
- No plugin licence key or paid tier.
Important limitations
This plugin does not exchange currency, custody funds or issue blockchain refunds. Merchants remain responsible for wallet security, supported-network configuration, accounting, taxation, regulatory obligations and any refund sent from their own wallet.
Cryptocurrency transactions are irreversible. Test the complete checkout and verification flow on Sepolia before accepting live payments. Always confirm that each enabled asset uses the intended network, token and receiving wallet.
External services
This plugin connects to external services only as necessary to quote and verify a payment after the merchant enables and configures the gateway.
Etherscan API
The Etherscan V2 API is used to retrieve public blockchain transaction and block information for Ethereum, Polygon, BNB Smart Chain and Sepolia. Requests can include the merchant-supplied API key, chain ID, public transaction hash, token contract, wallet address and block range needed to verify the payment. The API request also necessarily exposes the site’s server IP address to Etherscan.
- Etherscan API Terms: https://etherscan.io/apiterms
- Etherscan Terms: https://etherscan.io/terms
- Etherscan Privacy Policy: https://etherscan.io/privacyPolicy
Blockscout fallback APIs
If the primary live-network explorer request fails, the plugin may query the applicable public Blockscout explorer API using public blockchain identifiers such as a transaction hash, token contract, wallet address or block range. The request necessarily exposes the site’s server IP address to the relevant Blockscout service.
- Blockscout website: https://www.blockscout.com/
- Blockscout Privacy Policy: https://www.blockscout.ai/legal/privacy
CoinGecko API
The CoinGecko public API is used to retrieve the current crypto-to-fiat price required to calculate an order quote. Requests contain asset and fiat-currency identifiers and necessarily expose the site’s server IP address to CoinGecko. The plugin does not send WooCommerce customer identity or order contents to CoinGecko.
- CoinGecko API Terms: https://www.coingecko.com/api_terms
- CoinGecko Privacy Policy: https://www.coingecko.com/privacy
By enabling this gateway, the site owner directs the plugin to make these requests and remains responsible for reviewing the external providers’ current terms and privacy policies.
Privacy
The plugin stores payment-related data in the WooCommerce order, including the selected asset, quoted crypto amount, receiving address, transaction hash, exchange rate, confirmation state and verification timestamps. This data is required to administer and audit the payment.
The plugin does not add advertising or analytics tracking. Merchants should describe cryptocurrency payment processing and the external services above in their own customer-facing privacy information where required.
Screenshots
Installation
- Upload the plugin ZIP through Plugins > Add New > Upload Plugin, or install it from the WordPress.org Plugin Directory.
- Activate the plugin. WooCommerce must already be installed and active.
- Open WooCommerce > Sovereign Settle.
- Select Testnet, enter an Etherscan API key, and configure the Sepolia receiving wallet and confirmation settings.
- Open WooCommerce > Settings > Payments and enable Stablecoin Payment.
- Complete a test order through the classic WooCommerce Checkout page.
- Only after the test succeeds, select Live and configure the required live-network assets and wallets.
FAQ
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Does the plugin hold or forward customer funds?
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No. Payment is sent from the customer directly to the receiving wallet configured for the selected asset.
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Does it require a hosted account or plugin licence?
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No plugin licence or WPGator account is required. Transaction verification and price retrieval use the external services disclosed below.
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Which WooCommerce checkout is supported?
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Version 1 supports the classic WooCommerce Cart and Checkout flow. Block Checkout is not a published V1 compatibility commitment.
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Can the plugin refund a blockchain payment?
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No. WooCommerce can record the commercial refund, but any cryptocurrency return must be sent separately by the merchant from their wallet after independently checking the destination and amount.
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Why is an order still waiting for payment?
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Check that the submitted transaction uses the selected network and asset, was sent to the configured address, meets the quoted amount tolerance, and has reached the configured confirmation count. Also confirm that the Etherscan API key and the site’s scheduled-action processing are working.
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What happens when the payment window expires?
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The expired quote cannot be submitted. The customer must create or refresh into a valid payment opportunity as directed by the order page. A transaction submitted outside the original payment deadline is not automatically accepted.
Reviews
There are no reviews for this plugin.
Contributors & Developers
“Sovereign Settle – Stablecoin Gateway for WooCommerce” is open source software. The following people have contributed to this plugin.
Contributors
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Interested in development?
Browse the code, check out the SVN repository, or subscribe to the development log by RSS.
Changelog
1.0.11
- Fixed live admin validation incorrectly rejecting valid mixed-case EVM wallet addresses.
- Aligned live validation with the strict hexadecimal address format enforced when settings are saved.
1.0.10
- Added the public Sovereign Settle documentation URL to the plugin header and installed Plugins screen.
1.0.9
- Made per-order and batch verification locks atomic across browser polling, WP Cron and Action Scheduler.
- Prevented duplicate Completed transitions, emails and verification notes when workers overlap.
- Made the final WooCommerce completion transition idempotent for products that complete directly or pass through Processing.
1.0.8
- Bound ERC-20 payment verification to Transfer logs in the submitted transaction receipt.
- Prevented unrelated historical wallet transfers from causing false amount mismatches and impossible confirmation counts.
- Preserved explicit rejection of transactions that do not contain the configured token transfer to the receiving wallet.
- Returned the actual final verification state after amount-tolerance checks.
1.0.7
- Renamed the plugin to Sovereign Settle – Stablecoin Gateway for WooCommerce.
- Adopted the Sovereign Settle namespace, text domain and collision-safe runtime identifiers.
- Added migration support for settings, the payment page and historical order metadata from version 1.0.6.
- Replaced directly printed scripts and inline click handlers with WordPress-enqueued assets.
- Upgraded chillerlan/php-qrcode to 6.0.1 and raised the minimum PHP version to 8.2.
- Restricted stored price-provider identifiers to the plugin’s supported asset map.
- Added the WooCommerce plugin dependency header.
1.0.6
- Improved WordPress.org standards compliance and request-validation clarity.
- Added HPOS order-metadata cleanup during plugin uninstall.
- Moved operational errors into the WooCommerce logging system.
- Renamed developer hooks from the short legacy prefix to the interim
spfwc_prefix.
1.0.5
- Fixed stablecoin discounts not being applied when WooCommerce retained a previously selected payment method in the checkout session.
1.0.4
- Initial WordPress.org release.
- Added non-custodial stablecoin payment flows for configured Ethereum, Polygon and BNB Smart Chain assets.
- Added Sepolia test mode, order-specific quotes, QR codes and transaction submission.
- Added transaction, token contract, recipient, amount, confirmation and payment-deadline verification.
- Added transaction-reuse protection, guest-order isolation and native WooCommerce completion handling.
- Added optional stablecoin discounts and HPOS compatibility.