Title: Loka Pay Author: Daniel Abughdyer Published: October 12, 2026 Last modified: October 12, 2026 --- Search plugins ![](https://ps.w.org/loka-pay/assets/banner-772x250.png?rev=3743880) ![](https://ps.w.org/loka-pay/assets/icon-256x256.png?rev=3743880) # Loka Pay By [Daniel Abughdyer](https://profiles.wordpress.org/danitex24/) [Download](https://downloads.wordpress.org/plugin/loka-pay.1.0.0.zip) * [Details](https://wordpress.org/plugins/loka-pay/#description) * [Reviews](https://wordpress.org/plugins/loka-pay/#reviews) * [Installation](https://wordpress.org/plugins/loka-pay/#installation) * [Development](https://wordpress.org/plugins/loka-pay/#developers) [Support](https://wordpress.org/support/plugin/loka-pay/) ## Description Loka Pay brings Nigeria’s leading payment gateways together in one WordPress plugin. Connect one or several providers, manage every transaction from a single dashboard, and take payments through WooCommerce, popular LMS and membership plugins, or your own payment forms. #### Supported payment gateways * Paystack * Flutterwave * Monnify * Interswitch (WebPAY) * Remita * OPay * Squad * Paga You need a merchant account with each gateway you enable. Loka Pay does not process payments itself — it connects your site to the provider you choose. #### Features * **Payment forms** — build as many forms as you need with the drag-and-drop builder( text, email, phone, dropdowns, radio buttons, checkboxes, amounts and more). Each form has its own shortcode, and customers’ answers are saved with each transaction. Dropdown and radio options can carry a price, for example “Gold — ₦5,000”. * **Payment links** — shareable, hosted payment pages with optional usage limits and expiry dates. * **WooCommerce** — a full payment gateway with order sync and refunds. * **Subscriptions** — recurring billing with automatic retries and dunning emails. * **Invoices** — create, send and download invoices as PDFs. * **Customer portal** — customers can view their payments, invoices and subscriptions with `[loka_pay_account]`. * **Refunds** — issue full or partial refunds from the transaction screen. * **Split payments** — revenue sharing for LMS instructors and marketplace vendors, using Paystack and Flutterwave sub-accounts. * **Smart routing** — send each payment to the gateway with the best recent success rate. * **Fraud screening** — rule-based risk scoring with an admin review queue. * **Offline bank transfers** — record and approve manual bank payments. * **Webhook monitoring** — signature-verified webhooks with health tracking and an automatic retry queue. * **Analytics and reports** — revenue, success-rate and gateway charts, plus CSV export. * **Email notifications** — receipts, invoices, failed-payment and renewal emails. * **Test mode** — use each gateway’s sandbox keys before going live. * **White-label** — rebrand the admin screens through filters. #### Integrations Loka Pay adds a payment option to these plugins when they are active: * WooCommerce * LearnDash, LifterLMS, Tutor LMS, LearnPress * Paid Memberships Pro, MemberPress, Restrict Content Pro * The Events Calendar, Event Espresso, WP Event Manager * Dokan, WC Vendors * Page builders: Block Editor, Elementor, Divi, Beaver Builder #### Shortcodes * `[loka_pay_form id="123"]` — a form built in **Loka Pay Forms** (copy the shortcode from the forms list). * `[loka_pay_form]` — a simple name, email and amount form. * Optional attributes: `amount` (fixed amount in Naira), `gateway`, `redirect`,` title`, `button_text`. * `[loka_pay_account]` — the customer portal. * `[loka_pay_status]` — a payment status lookup. ### External services Loka Pay relies on third-party payment gateways to take payments. It connects only to the gateways you enable. **No data is sent to a gateway until you enable it in Loka Pay Gateways and enter your own API keys.** In Test Mode, the gateway’s sandbox address is used instead of the live one. Customers enter card and bank details on the gateway’s own payment page, so those details never pass through your site. Every request to a gateway is authenticated with the API keys you entered. Each gateway also sends payment notifications (webhooks) to your site’s webhook URL. #### Paystack Provided by Paystack Payments Ltd. Used to take, verify and refund payments, charge subscription renewals and set up split payments. * When a customer pays with Paystack, the plugin sends the transaction reference, amount, currency, the customer’s email address and name, and your site’s return URL to `https://api.paystack.co/transaction/initialize`. * After the customer returns, or when a webhook arrives, the payment is checked at `https://api.paystack.co/transaction/verify/{reference}`. * When you issue a refund, the transaction reference and refund amount are sent to `https://api.paystack.co/refund`. * When a subscription renews, the customer’s email, the amount, currency, reference and the saved Paystack authorization code are sent to `https://api.paystack.co/ transaction/charge_authorization`. * When you set up split payments for a vendor or instructor, their business name, settlement bank, account number and percentage share are sent to `https://api. paystack.co/subaccount`, and the split rules to `https://api.paystack.co/split`. * [Terms of Service](https://paystack.com/terms), [Privacy Policy](https://paystack.com/privacy/merchant) #### Flutterwave Provided by Flutterwave Inc. Used to take, verify and refund payments, charge subscription renewals and set up split payments. * When a customer pays with Flutterwave, the plugin sends the transaction reference, amount, currency, the customer’s email address, name and phone number, and your site’s return URL to `https://api.flutterwave.com/v3/payments`. * Payments are verified at `https://api.flutterwave.com/v3/transactions/{reference}/ verify`, and refunds are sent to `https://api.flutterwave.com/v3/transactions/{ id}/refund`. * When a subscription renews, the customer’s email, the amount, currency, reference and the saved card token are sent to `https://api.flutterwave.com/v3/tokenized- charges`. * When you set up split payments, the vendor’s settlement details and share are sent to `https://api.flutterwave.com/v3/subaccounts`. * [Terms of Service](https://flutterwave.com/ng/terms), [Privacy Policy](https://flutterwave.com/ng/privacy-policy) #### Monnify Provided by Moniepoint Inc. Used to take, verify and refund payments. * Requests go to `https://api.monnify.com` (live) or `https://sandbox.monnify.com`( test mode). * Your API key and secret key are exchanged for an access token at `/api/v1/auth/ login`. * When a customer pays with Monnify, the transaction reference, amount, currency, the customer’s name and email address, and your site’s return URL are sent to`/ api/v1/merchant/transactions/init-transaction`. * Payments are verified at `/api/v2/transactions/{reference}`, and refunds are sent to `/api/v1/refunds/initiate-refund`. * [Terms of Service](https://monnify.com/terms), [Privacy Policy](https://monnify.com/privacy) #### Interswitch WebPAY Provided by Interswitch Group. Used to take and verify payments. * When a customer pays with Interswitch, their browser is sent to `https://webpay. interswitchng.com/collections/w/pay` (live) or `https://sandbox.interswitchng. com/collections/w/pay` (test mode), with the transaction reference, amount, currency, the customer’s name and email address, your merchant code and pay item ID, and your site’s return URL. * The payment is then verified by sending the reference and amount to `https:// webpay.interswitchng.com/collections/api/v1/gettransaction.json` (live) or `https:// sandbox.interswitchng.com/collections/api/v1/gettransaction.json` (test mode). * [Terms of Use](https://www.interswitchgroup.com/terms-of-use), [Privacy Policy](https://www.interswitchgroup.com/privacy-policy) #### Remita Provided by SystemSpecs Ltd. Used to take and verify payments. * Requests go to `https://login.remita.net/remita` (live) or `https://remitademo. net/remita` (test mode). * When a customer pays with Remita, the transaction reference, amount, the payer’s name, email address and phone number, and your site’s return URL are sent to `/ ecomm/split/payment/init`. The customer then completes payment at `/ecomm/finalize. reg`. * Payments are verified at `/ecomm/split/payment/query/{RRR}`. * [Terms and Conditions](https://www.remita.net/terms-and-conditions), [Privacy Policy](https://www.remita.net/privacy-policy) #### OPay Provided by OPay Digital Services Ltd. Used to take and verify payments. * Requests go to `https://api.opayweb.com` (live) or `https://sandboxapi.opayweb. com` (test mode). * When a customer pays with OPay, the transaction reference, amount, currency, the customer’s name, email address and phone number, and your site’s return URL are sent to `/api/cashier/initialize`. * Payments are verified at `/api/cashier/query`. * [Terms of Service](https://www.opayweb.com/terms-of-service), [Privacy Policy](https://www.opayweb.com/privacy-policy) #### Squad Provided by HabariPay Ltd. Used to take, verify and refund payments. * Requests go to `https://api-d.squadco.com` (live) or `https://sandbox-api-d.squadco. com` (test mode). * When a customer pays with Squad, the transaction reference, amount, currency, the customer’s name and email address, and your site’s return URL are sent to`/ transaction/initiate`. * Payments are verified at `/transaction/verify/{reference}`, and refunds are sent to `/transaction/refund`. * [Terms and Conditions](https://habaripay.com/terms.pdf), [Privacy Policy](https://habaripay.com/privacy.pdf)( HabariPay Ltd. operates Squad) #### Paga Provided by Pagatech Ltd. Used to take and verify payments. * Requests go to `https://www.mypaga.com` (live) or `https://beta.mypaga.com` ( test mode). * When a customer pays with Paga, the transaction reference, amount, currency, the payer’s email address and phone number, and your site’s return URL are sent to `/paga-webservices/business-rest/secured/collectMoney`. * Payments are verified at `/paga-webservices/business-rest/secured/getTransactionDetails`. * [Terms of Service and Privacy Policy](https://www.mypaga.com/ngn-terms/) #### Documentation links The Gateways screen links to each gateway’s developer documentation (for example` https://paystack.com/docs/api/` and `https://developers.remita.net/`). These pages open only when you click them, and no data is sent. Loka Pay does not send any data to Danovate Solutions Ltd. or to any other third party, and includes no tracking. ### Third-party libraries * [Chart.js](https://www.chartjs.org/) v4.5.1 — MIT License. Bundled as `assets/ js/vendor/chart.min.js`. Unminified source: https://github.com/chartjs/Chart. js/tree/v4.5.1 ## Screenshots [⌊Dashboard with key payment metrics.⌉⌊Dashboard with key payment metrics.⌉[ Dashboard with key payment metrics. [⌊Gateway configuration.⌉⌊Gateway configuration.⌉[ Gateway configuration. [⌊Transaction list with filters and refunds.⌉⌊Transaction list with filters and refunds.⌉[ Transaction list with filters and refunds. [⌊Analytics charts.⌉⌊Analytics charts.⌉[ Analytics charts. [⌊Front-end payment form.⌉⌊Front-end payment form.⌉[ Front-end payment form. ## Blocks This plugin provides 1 block. * Loka Pay Form ## Installation 1. Install Loka Pay from **Plugins Add New**, or upload the `loka-pay` folder to `/ wp-content/plugins/`. 2. Activate the plugin. 3. Go to **Loka Pay Gateways**, enable a gateway and enter your test or live API keys. 4. Copy the webhook URL shown for that gateway into the gateway’s dashboard. 5. Create a form in **Loka Pay Forms** and paste its shortcode into a page, or pick the form in the Loka Pay block or page-builder widget — or enable Loka Pay under** WooCommerce Settings Payments**. ## FAQ ### Do I need WooCommerce? No. Payment forms, payment links, invoices and subscriptions work on their own. WooCommerce support loads only when WooCommerce is active. ### Do I need an account with a payment gateway? Yes. Loka Pay connects to your own merchant account with Paystack, Flutterwave or another supported gateway, and payments settle directly into that account. ### Can I test before accepting real payments? Yes. Turn on **Test Mode** in **Loka Pay Settings** and use your gateway’s test keys. No real money moves in test mode. ### Where do I find my webhook URL? Go to **Loka Pay Gateways** and open a gateway’s settings. Paste the URL into that gateway’s dashboard — for example, Paystack Settings API Keys & Webhooks. ### Does the plugin store card details? No. Customers enter card and bank details on the gateway’s secure page. Your site stores only the transaction reference, amount, status and the customer’s contact details. ### What happens to my data if I delete the plugin? By default, nothing is deleted. To remove all Loka Pay tables and settings on uninstall, turn on **Delete All Data on Uninstall** in **Loka Pay Settings** first. ## Reviews There are no reviews for this plugin. ## Contributors & Developers “Loka Pay” is open source software. The following people have contributed to this plugin. Contributors * [ Daniel Abughdyer ](https://profiles.wordpress.org/danitex24/) [Translate “Loka Pay” into your language.](https://translate.wordpress.org/projects/wp-plugins/loka-pay) ### Interested in development? [Browse the code](https://plugins.trac.wordpress.org/browser/loka-pay/), check out the [SVN repository](https://plugins.svn.wordpress.org/loka-pay/), or subscribe to the [development log](https://plugins.trac.wordpress.org/log/loka-pay/) by [RSS](https://plugins.trac.wordpress.org/log/loka-pay/?limit=100&mode=stop_on_copy&format=rss). ## Changelog #### 1.0.0 * Initial release. ## Meta * Version **1.0.0** * Last updated **1 day ago** * Active installations **Fewer than 10** * WordPress version ** 6.0 or higher ** * Tested up to **7.1.3** * PHP version ** 8.0 or higher ** * Tags * [flutterwave](https://wordpress.org/plugins/tags/flutterwave/)[nigeria](https://wordpress.org/plugins/tags/nigeria/) [payments](https://wordpress.org/plugins/tags/payments/)[paystack](https://wordpress.org/plugins/tags/paystack/) [woocommerce](https://wordpress.org/plugins/tags/woocommerce/) * [Advanced View](https://wordpress.org/plugins/loka-pay/advanced/) ## Ratings No reviews have been submitted yet. [Your review](https://wordpress.org/support/plugin/loka-pay/reviews/#new-post) [See all reviews](https://wordpress.org/support/plugin/loka-pay/reviews/) ## Contributors * [ Daniel Abughdyer ](https://profiles.wordpress.org/danitex24/) ## Support Got something to say? Need help? [View support forum](https://wordpress.org/support/plugin/loka-pay/)