Initial release.<\/p>"},"ratings":[],"assets_icons":{"icon-128x128.png":{"filename":"icon-128x128.png","revision":3743880,"resolution":"128x128","location":"assets","locale":"","width":128,"height":128},"icon-256x256.png":{"filename":"icon-256x256.png","revision":3743880,"resolution":"256x256","location":"assets","locale":"","width":256,"height":256}},"assets_banners":{"banner-1544x500.png":{"filename":"banner-1544x500.png","revision":3743880,"resolution":"1544x500","location":"assets","locale":"","width":1544,"height":500},"banner-772x250.png":{"filename":"banner-772x250.png","revision":3743880,"resolution":"772x250","location":"assets","locale":"","width":772,"height":250}},"assets_blueprints":{},"all_blocks":{"loka-pay\/payment-form":{"name":"loka-pay\/payment-form","title":"Loka Pay Form"}},"tagged_versions":["1.0.0"],"block_files":[],"assets_screenshots":{"screenshot-1.png":{"filename":"screenshot-1.png","revision":3743880,"resolution":"1","location":"assets","locale":"","width":2880,"height":2136},"screenshot-2.png":{"filename":"screenshot-2.png","revision":3743880,"resolution":"2","location":"assets","locale":"","width":2880,"height":2136},"screenshot-3.png":{"filename":"screenshot-3.png","revision":3743880,"resolution":"3","location":"assets","locale":"","width":2880,"height":2136},"screenshot-4.png":{"filename":"screenshot-4.png","revision":3743880,"resolution":"4","location":"assets","locale":"","width":2880,"height":2136},"screenshot-5.png":{"filename":"screenshot-5.png","revision":3743880,"resolution":"5","location":"assets","locale":"","width":1800,"height":880}},"screenshots":{"1":"Dashboard with key payment metrics.","2":"Gateway configuration.","3":"Transaction list with filters and refunds.","4":"Analytics charts.","5":"Front-end payment form."}},"plugin_section":[],"plugin_tags":[154384,5492,1887,48410,286],"plugin_category":[45],"plugin_contributors":[286261],"plugin_business_model":[],"class_list":["post-378384","plugin","type-plugin","status-publish","hentry","plugin_tags-flutterwave","plugin_tags-nigeria","plugin_tags-payments","plugin_tags-paystack","plugin_tags-woocommerce","plugin_category-ecommerce","plugin_contributors-danitex24","plugin_committers-danitex24"],"banners":{"banner":"https:\/\/ps.w.org\/loka-pay\/assets\/banner-772x250.png?rev=3743880","banner_2x":"https:\/\/ps.w.org\/loka-pay\/assets\/banner-1544x500.png?rev=3743880","banner_rtl":false,"banner_2x_rtl":false},"icons":{"svg":false,"icon":"https:\/\/ps.w.org\/loka-pay\/assets\/icon-128x128.png?rev=3743880","icon_2x":"https:\/\/ps.w.org\/loka-pay\/assets\/icon-256x256.png?rev=3743880","generated":false},"screenshots":[{"src":"https:\/\/ps.w.org\/loka-pay\/assets\/screenshot-1.png?rev=3743880","caption":"Dashboard with key payment metrics."},{"src":"https:\/\/ps.w.org\/loka-pay\/assets\/screenshot-2.png?rev=3743880","caption":"Gateway configuration."},{"src":"https:\/\/ps.w.org\/loka-pay\/assets\/screenshot-3.png?rev=3743880","caption":"Transaction list with filters and refunds."},{"src":"https:\/\/ps.w.org\/loka-pay\/assets\/screenshot-4.png?rev=3743880","caption":"Analytics charts."},{"src":"https:\/\/ps.w.org\/loka-pay\/assets\/screenshot-5.png?rev=3743880","caption":"Front-end payment form."}],"raw_content":"\n
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.<\/p>\n\n
You need a merchant account with each gateway you enable. Loka Pay does not process payments itself \u2014 it connects your site to the provider you choose.<\/p>\n\n
[loka_pay_account]<\/code>.<\/li>\n- Refunds<\/strong> \u2014 issue full or partial refunds from the transaction screen.<\/li>\n
- Split payments<\/strong> \u2014 revenue sharing for LMS instructors and marketplace vendors, using Paystack and Flutterwave sub-accounts.<\/li>\n
- Smart routing<\/strong> \u2014 send each payment to the gateway with the best recent success rate.<\/li>\n
- Fraud screening<\/strong> \u2014 rule-based risk scoring with an admin review queue.<\/li>\n
- Offline bank transfers<\/strong> \u2014 record and approve manual bank payments.<\/li>\n
- Webhook monitoring<\/strong> \u2014 signature-verified webhooks with health tracking and an automatic retry queue.<\/li>\n
- Analytics and reports<\/strong> \u2014 revenue, success-rate and gateway charts, plus CSV export.<\/li>\n
- Email notifications<\/strong> \u2014 receipts, invoices, failed-payment and renewal emails.<\/li>\n
- Test mode<\/strong> \u2014 use each gateway's sandbox keys before going live.<\/li>\n
- White-label<\/strong> \u2014 rebrand the admin screens through filters.<\/li>\n<\/ul>\n\n
Integrations<\/h4>\n\n
Loka Pay adds a payment option to these plugins when they are active:<\/p>\n\n
\n- WooCommerce<\/li>\n
- LearnDash, LifterLMS, Tutor LMS, LearnPress<\/li>\n
- Paid Memberships Pro, MemberPress, Restrict Content Pro<\/li>\n
- The Events Calendar, Event Espresso, WP Event Manager<\/li>\n
- Dokan, WC Vendors<\/li>\n
- Page builders: Block Editor, Elementor, Divi, Beaver Builder<\/li>\n<\/ul>\n\n
Shortcodes<\/h4>\n\n\n[loka_pay_form id=\"123\"]<\/code> \u2014 a form built in Loka Pay \u2192 Forms<\/strong> (copy the shortcode from the forms list).<\/li>\n[loka_pay_form]<\/code> \u2014 a simple name, email and amount form.<\/li>\n- Optional attributes:
amount<\/code> (fixed amount in Naira), gateway<\/code>, redirect<\/code>, title<\/code>, button_text<\/code>.<\/li>\n[loka_pay_account]<\/code> \u2014 the customer portal.<\/li>\n[loka_pay_status]<\/code> \u2014 a payment status lookup.<\/li>\n<\/ul>\n\nExternal services<\/h3>\n\n
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 \u2192 Gateways and enter your own API keys.<\/strong> In Test Mode, the gateway's sandbox address is used instead of the live one.<\/p>\n\nCustomers 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.<\/p>\n\n
Paystack<\/h4>\n\n
Provided by Paystack Payments Ltd. Used to take, verify and refund payments, charge subscription renewals and set up split payments.<\/p>\n\n
\n- 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<\/code>.<\/li>\n- After the customer returns, or when a webhook arrives, the payment is checked at
https:\/\/api.paystack.co\/transaction\/verify\/{reference}<\/code>.<\/li>\n- When you issue a refund, the transaction reference and refund amount are sent to
https:\/\/api.paystack.co\/refund<\/code>.<\/li>\n- 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<\/code>.<\/li>\n- 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<\/code>, and the split rules to https:\/\/api.paystack.co\/split<\/code>.<\/li>\n- Terms of Service<\/a>, Privacy Policy<\/a><\/li>\n<\/ul>\n\n
Flutterwave<\/h4>\n\n
Provided by Flutterwave Inc. Used to take, verify and refund payments, charge subscription renewals and set up split payments.<\/p>\n\n
\n- 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<\/code>.<\/li>\n- Payments are verified at
https:\/\/api.flutterwave.com\/v3\/transactions\/{reference}\/verify<\/code>, and refunds are sent to https:\/\/api.flutterwave.com\/v3\/transactions\/{id}\/refund<\/code>.<\/li>\n- 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<\/code>.<\/li>\n- When you set up split payments, the vendor's settlement details and share are sent to
https:\/\/api.flutterwave.com\/v3\/subaccounts<\/code>.<\/li>\n- Terms of Service<\/a>, Privacy Policy<\/a><\/li>\n<\/ul>\n\n
Monnify<\/h4>\n\n
Provided by Moniepoint Inc. Used to take, verify and refund payments.<\/p>\n\n
\n- Requests go to
https:\/\/api.monnify.com<\/code> (live) or https:\/\/sandbox.monnify.com<\/code> (test mode).<\/li>\n- Your API key and secret key are exchanged for an access token at
\/api\/v1\/auth\/login<\/code>.<\/li>\n- 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<\/code>.<\/li>\n- Payments are verified at
\/api\/v2\/transactions\/{reference}<\/code>, and refunds are sent to \/api\/v1\/refunds\/initiate-refund<\/code>.<\/li>\n- Terms of Service<\/a>, Privacy Policy<\/a><\/li>\n<\/ul>\n\n
Interswitch WebPAY<\/h4>\n\n
Provided by Interswitch Group. Used to take and verify payments.<\/p>\n\n
\n- When a customer pays with Interswitch, their browser is sent to
https:\/\/webpay.interswitchng.com\/collections\/w\/pay<\/code> (live) or https:\/\/sandbox.interswitchng.com\/collections\/w\/pay<\/code> (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.<\/li>\n- The payment is then verified by sending the reference and amount to
https:\/\/webpay.interswitchng.com\/collections\/api\/v1\/gettransaction.json<\/code> (live) or https:\/\/sandbox.interswitchng.com\/collections\/api\/v1\/gettransaction.json<\/code> (test mode).<\/li>\n- Terms of Use<\/a>, Privacy Policy<\/a><\/li>\n<\/ul>\n\n
Remita<\/h4>\n\n
Provided by SystemSpecs Ltd. Used to take and verify payments.<\/p>\n\n
\n- Requests go to
https:\/\/login.remita.net\/remita<\/code> (live) or https:\/\/remitademo.net\/remita<\/code> (test mode).<\/li>\n- 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<\/code>. The customer then completes payment at \/ecomm\/finalize.reg<\/code>.<\/li>\n- Payments are verified at
\/ecomm\/split\/payment\/query\/{RRR}<\/code>.<\/li>\n- Terms and Conditions<\/a>, Privacy Policy<\/a><\/li>\n<\/ul>\n\n
OPay<\/h4>\n\n
Provided by OPay Digital Services Ltd. Used to take and verify payments.<\/p>\n\n
\n- Requests go to
https:\/\/api.opayweb.com<\/code> (live) or https:\/\/sandboxapi.opayweb.com<\/code> (test mode).<\/li>\n- 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<\/code>.<\/li>\n- Payments are verified at
\/api\/cashier\/query<\/code>.<\/li>\n- Terms of Service<\/a>, Privacy Policy<\/a><\/li>\n<\/ul>\n\n
Squad<\/h4>\n\n
Provided by HabariPay Ltd. Used to take, verify and refund payments.<\/p>\n\n
\n- Requests go to
https:\/\/api-d.squadco.com<\/code> (live) or https:\/\/sandbox-api-d.squadco.com<\/code> (test mode).<\/li>\n- 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<\/code>.<\/li>\n- Payments are verified at
\/transaction\/verify\/{reference}<\/code>, and refunds are sent to \/transaction\/refund<\/code>.<\/li>\n- Terms and Conditions<\/a>, Privacy Policy<\/a> (HabariPay Ltd. operates Squad)<\/li>\n<\/ul>\n\n
Paga<\/h4>\n\n
Provided by Pagatech Ltd. Used to take and verify payments.<\/p>\n\n
\n- Requests go to
https:\/\/www.mypaga.com<\/code> (live) or https:\/\/beta.mypaga.com<\/code> (test mode).<\/li>\n- 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<\/code>.<\/li>\n- Payments are verified at
\/paga-webservices\/business-rest\/secured\/getTransactionDetails<\/code>.<\/li>\n- Terms of Service and Privacy Policy<\/a><\/li>\n<\/ul>\n\n
Documentation links<\/h4>\n\n
The Gateways screen links to each gateway's developer documentation (for example https:\/\/paystack.com\/docs\/api\/<\/code> and https:\/\/developers.remita.net\/<\/code>). These pages open only when you click them, and no data is sent.<\/p>\n\nLoka Pay does not send any data to Danovate Solutions Ltd. or to any other third party, and includes no tracking.<\/p>\n\n
Third-party libraries<\/h3>\n\n