=== PhonePey UPI Payment Gateway for WooCommerce ===
Contributors: lushaidev, phonepey
Tags: upi, phonepe, google pay, gpay, paytm, cred, payment gateway, india, woocommerce upi
Requires at least: 5.6
Tested up to: 6.6
Stable tag: 1.0.0
Requires PHP: 7.4
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Accept instant, direct UPI payments (PhonePe, GPay, Paytm, CRED, BHIM) with 0% gateway commission and automated verification in WooCommerce.

== Description ==

**PhonePey Payment Gateway for WooCommerce** connects your online store directly with PhonePey Smart UPI Gateway.

### Features
* **0% Transaction Commission**: Direct peer-to-merchant UPI payments straight to your bank account.
* **Instant Automated Verification**: Fast verification of UPI UTR / Transaction references via IMAP & SMS parsing.
* **Accepts All Indian UPI Apps**: PhonePe, Google Pay, Paytm, CRED, Amazon Pay, BHIM, and bank UPI apps.
* **Dynamic QR Code**: Seamless QR generation with custom store branding and 10-minute session expiry protection.
* **Automated Order Status**: Moves completed orders automatically to 'Processing' / 'Completed' upon verification.
* **Webhook Support**: Real-time callback hooks with HMAC-SHA256 signature verification.

== Installation ==

1. Upload the `phonepey-woocommerce` folder or ZIP file to the `/wp-content/plugins/` directory.
2. Activate the plugin through the 'Plugins' menu in WordPress.
3. Navigate to **WooCommerce &rarr; Settings &rarr; Payments &rarr; PhonePey UPI**.
4. Check 'Enable PhonePey UPI Payment Gateway'.
5. Enter your **PhonePey API Key / User Token** from your PhonePey Dashboard.
6. Copy your Webhook URL (`/?wc-api=phonepey_webhook`) and save it in your PhonePey Dashboard &rarr; API Integration.
7. Save changes. You are now ready to accept live UPI payments!

== Frequently Asked Questions ==

= Do I need an active PhonePey account? =
Yes, you need an active merchant account on PhonePey (https://phonepey.lushai.dev).

= Are there any fees per transaction? =
No, PhonePey charges 0% transaction commission. Payments arrive directly in your linked bank account.

== Changelog ==

= 1.0.0 =
* Initial official release.
