=== Gravity Forms payment plugin - Novalnet AG ===
Contributors: Novalnet AG
Donate link: https://www.novalnet.de
Tags: Credit cards, Payments, Payment gateway, Novalnet payment
Requires at least: 5.0
Tested up to: 6.8.2
Stable tag: 3.2.0
License: GPLv2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html

Novalnet payment addon provides all popular online payment methods for your Gravity Forms webshop.

== Description ==

= (German) =

(English Description down below)

Das Novalnet Zahlung-Addon für Gravity Forms bietet Ihnen eine Vielzahl an hilfreichen Features, die das tägliche Arbeiten mit dem Gravity Forms-Shopsystem vereinfachen. 

Wählen Sie aus den weltweit beliebtesten über 100 lokalen und internationalen Zahlungsmethoden die für Sie passenden aus, vom Rechnungskauf über SEPA-Lastschrift bis hin zur Kreditkarte. 

Kreditkartenzahlungen sind zusätzlich durch das 3D-Secure-Verfahren abgesichert, um Ihnen als Shop-Betreiber noch mehr Sicherheit zu bieten. Damit gehört das Addon der Novalnet AG zu einem der populärsten Extensions im Bereich Payment.

Das Addon automatisiert den gesamten Transaktionsvorgang vom Checkout bis zum Forderungsmanagement und Inkasso. Darüber hinaus sichert es die Transaktionen ab und hilft Ihnen als Unternehmen dabei, Ihren Umsatz durch die folgenden Vorteile langfristig zu steigern: 

* [über 100 lokal und international nachgefragte Zahlungsarten](https://www.novalnet.de/zahlungsabwicklung/ "über 100 lokal und international nachgefragte Zahlungsarten") bereits integriert
* umfangreiches [Risikomanagement](https://www.novalnet.de/risikomanagement/ "Risikomanagement") zur Minimierung von Zahlungsausfällen durch mehr als 60 im Hintergrund arbeitende Betrugspräventionsmodule
* Für Zahlungsausfälle frei einstellbares, optional kostenloses Forderungsmanagement inkl. verschiedener Mahnstufen
* Automatisierte Rechnungsstellung für Ihre Endkunden
* umfangreiches und kostenloses Debitorenmanagement mit diversen Exportmöglichkeiten für Buchhaltungsprogramme 
* Realtime-Monitoring, das Ihren Checkoutprozess in Bezug auf Kaufabbrüche überwacht, und Reporting 
* Ihre Gelder sind durch Treuhandkonten zu 100 % u.a. vor einer Insolvenz geschützt
* Kostenfreier technischer Support bei Einbindung und Betrieb des Zahlungs-Addons
* Attraktive und flexible Auszahlungsmodalitäten
* Optionale Mitgliederverwaltung
* Spezielles Endkundenportal für Rückfragen zur Transaktion

Einfache SEPA-Lastschrift-Lösung. Sie müssen kein separates Bankkonto eröffnen

= VERMEIDEN SIE MEHRERE VERTRÄGE UND VERSTECKTE KOSTEN =

Mehrere Verträge für die Zahlungsabwicklung mit verschiedenen Dienstleistern wie Banken, Kreditkarten-Acquirern, Anbietern von Betrugspräventionen, Inkassounternehmen etc. und mit unterschiedlichen Laufzeiten und Gebühren sind mit Nutzung des Addons Vergangenheit. 

Die Novalnet-Plattform sorgt dafür, dass Ihre Zahlungen in Gravity Forms reibungslos abgewickelt werden, erstellt automatisch Ihre Rechnungen, verschickt pünktlich Mahnungen und verarbeitet auch On-hold-Transaktionen und wiederkehrende Zahlungen. 

Ihre über Gravity Forms generierten Transaktionen sind durch ein Höchstmaß an Sicherheit geschützt. Dazu wird die Novalnet AG jedes Jahr in einem umfangreichen Sicherheits-Audit nach dem Payment Card Industry Data Security Standard (PCI DSS) auf dem höchsten Level 1 geprüft und zertifiziert. 

Die vielfach automatisierten Abläufe sorgen dafür, dass Sie Kosten sparen und sich auf Ihren Verkaufserfolg konzentrieren können.

= WICHTIGSTE FUNKTIONEN =

* Einfache Integration in Ihren Bestellprozess - es wird keine externe Seite für die Zahlung aufgerufen
* Responsive Zahlungsseiten
* Sichere SSL-verschlüsselte Gateways
* Klare Echtzeit-Übersicht und Überwachung des Zahlungsstatus sowie automatisierte E-Mail-Benachrichtigungsfunktion für Zahlungsstatusreports
* Automatisierte Berichte und verschiedene Exportfunktionen für Ihre Buchhaltung in XML, SOAP, CSV, MT940 u.v.m. 
* Kreditkartenzahlungen [mit 3D-Secure](https://www.novalnet.de/service/3d-secure-infos/ "mit 3D-Secure")
* [PCI-DSS-konform](https://www.novalnet.de/pci-dss-zertifizierung/ "PCI-DSS-konform"), keine aufwändige und teure Zertifizierung notwendig

= MIT DEM ADDON KÖNNEN SIE VIELES DIREKT ÜBER DIE GRAVITYFORMS-EINSTELLUNGEN VERWALTEN =

* Einfache Konfigurationsmöglichkeit für alle Zahlungsarten
* Einfaches Durchführen von Rückerstattungen aus der Shop-Administration heraus
* Flexible [Abonnementverwaltung](https://www.novalnet.de/abonnementverwaltung/ "Abonnementverwaltung") für wiederkehrende Zahlungen
* Sehr einfaches Konfigurieren des Risikomanagements
* Einstellen komfortabler Statusmeldungen, z.B. für Zahlungseingänge bei Kauf auf Rechnung und Vorkasse
* Bequeme E-Mail-Benachrichtigungsfunktion über Statusmeldungen der Zahlungen
* Übersichtliches Status-Management für Chargebacks sowie SEPA-Rücklastschriften
* Vorhalten von Bestelldaten bei Kaufabbrüchen

= LASSEN SIE IHRE KUNDEN ZAHLEN, WIE SIE MÖCHTEN =

* [Kreditkarte](https://www.novalnet.de/zahlungsart-kreditkarte/ "Kreditkarte"): Visa, Mastercard, American Express, JCB, UnionPay, Diners Club, Discover
* Debitkarte: Maestro, Carte Bleue, CartaSi, Postepay, PostFinance, dankort
* Online-Überweisung: Onlineüberweisung, eps, iDEAL, Przelewy24, Alipay, WeChat Pay, Trustly & Blik etc.
* Wallet: Apple Pay, Google Pay, Payconiq, MB Way, PayPal & TWINT.
* Vorkasse, Kauf auf Rechnung, GiroCode, Kauf auf Rechnung mit Zahlungsgarantie
* [SEPA-Lastschrift](https://www.novalnet.de/sepa-lastschrift/ "SEPA-Lastschrift"), Lastschrift ACH
* Ratenzahlung
* Direct Carrier Billing (Zahlen per Handyrechnung)
* Kauf auf  Rechnung und [SEPA-Lastschrift sind auch mit Zahlungsgarantie](https://www.novalnet.de/lastschrift-mit-zahlungsgarantie/ "SEPA-Lastschrift sind auch mit Zahlungsgarantie") möglich.

= GEHEN SIE AUF NUMMER SICHER =

Die intelligente Novalnet-Betrugsprävention ist abhängig von Zahlungsart, Produktpalette und Warenkorbgröße. Durch zahlreiche, unabhängig zuschaltbare Fraudmodule verringert sich Ihre Zahlungsausfallquote spürbar.

= SIE HABEN FRAGEN? =

Kontaktieren Sie uns per E-Mail an [sales@novalnet.de](mailto:sales@novalnet.de/ "sales@novalnet.de") oder telefonisch unter +49 89 9230683-20.

Weitere Informationen über Novalnet und zur Kompatibilität des Novalnet-Payment-Addons finden Sie weiter unten.

= (English) =

= ACCEPT, MANAGE & COLLECT PAYMENTS - GRAVITY FORMS =

The Gravity Forms Payment Addon from Novalnet allows you to accept, manage and collect payments. It is designed to optimize your payment processing, enrich customer experiences and improve conversion rates. 
Hundreds of e-commerce businesses across the world use this addon to: 

* Accept 100+ international & local payment methods
* Add new payment methods any time
* Manage payments, subscriptions & members 
* Secure transactions with proven risk management
* Avoid own [PCI DSS certification](https://www.novalnet.com/pci-dss-certification/ "PCI DSS certification") 
* Automate customer communication related to payments
* Provide payment support for end customers
* Follow transactions in real time
* Automate reporting for bookkeeping & other departments etc.

= WIDE PAYMENT PORTFOLIO FOR YOUR ONLINE SHOP =

The Gravity Forms Novalnet Payment Addon enables access to [international and local payment methods](https://www.novalnet.com/paymentsolution/payment-processing/ "international and local payment methods") that can be easily integrated to your checkout process already today. Your payment portfolio remains up to date and follows both global and local payment trends across the world.

Novalnet’s Gravity Forms Payment Addon supports: 

* [Credit cards](https://www.novalnet.com/payment-processing/credit-card/ "Credit cards") (3DSecure also available): Visa, Mastercard, American Express, JCB, UnionPay, Diners Club,  Discover etc.

* Debit cards: Maestro, Visa, Carte Bleue, CartaSi, Postepay, PostFinance, dankort etc.

* Online bank transfers: Online bank transfer, eps, iDEAL, PostFinance Card, PostFinance E-Finance, Bancontact, Alipay, WeChat Pay & Trustly etc.

* E-wallets:  [PayPal](https://www.novalnet.com/payment-processing/paypal/ "PayPal") , TWINT, Apple Pay & Google Pay.

* Prepayment, Invoice, EPC-QR-Pay, [Direct Debit SEPA](https://www.novalnet.com/solutions/payment-processing/sepa-direct-debit/ "Direct Debit SEPA") & Multibanco.

* Direct Debit SEPA with payment guarantee, Invoice with payment guarantee, Instalment by Invoice & Instalment by Direct Debit SEPA 

More information about each payment method can be found on our [website](https://www.novalnet.de/zahlungsabwicklung/ "website"). If you have any additional inquiries, please do not hesitate to contact us at [sales@novalnet.de](mailto:sales@novalnet.de/ "sales@novalnet.de") or +49 89 9230683-20.

= ADVANCED PAYMENT EXPERIENCES FOR YOUR CUSTOMERS =

Novalnet Payment Gateway for Gravity Forms ensures that your Gravity Forms offers seamless payment experiences. It provides optimized customer communications and auto-fill of payment details for future purchases. Set up email notifications and reminders for payment status updates and offer valuable customer support through Novalnet platform. 

= DIGITALIZATION & REAL-TIME MONITORING =

Novalnet’s Gravity Forms Payment Addon integrates your shop with one payment platform that covers all payment methods and services at once. Save costs, manual effort and time with the following Gravity Forms Payment Addon features.  

= KEY FEATURES =

* Easy configuration of all international & local payment methods
* One PCI DSS certified payment platform for all payment services from checkout to collection
* Complete automation of all payment processes
* 60+ risk & payment fraud detection modules to prevent defaults in real time
* Effortless configuration of risk management with fraud prevention
* Affiliate solution supporting frictionless onboarding, split payments & currency conversion
* Dynamic subscription and member management for recurring payments
* No PCI DSS certification required when using our payment module
* Clear overview of payment status from checkout to receivables
* Multilevel claims management with integrated handover to collection and various export functions for the accounting
* Automated e-mail notifications for staying up to date on the payment status
* Clear real-time overview and monitoring of payment status
* Automated bookkeeping report in XML, SOAP, CSV, MT940
* Simple seamless integration of the payment addon
* Secure SSL- encoded gateways
* On-hold transaction configuration in the shop admin panel
* Automatic order creation when subscriptions are renewed
* Responsive templates

= PCI COMPLIANT RISK MANAGEMENT & FRAUD PREVENTION =

Novalnet provides all its merchants secure payment processing in a PCI DSS Level 1 compliant manner. More than [60 fraud prevention modules](https://www.novalnet.com/fraud-prevention/ "60 fraud prevention modules") are integrated to ensure machine learning fraud prevention and optimal risk minimization in real-time.

= AVOID MULTIPLE CONTRACTS & HIDDEN COSTS =

This free Gravity Forms Payment Addon integrates your e-commerce business with Novalnet’s all-in-one payment platform to grow revenue. The integration and services are customizable based on individual customer needs. Novalnet’s prizing depends on your business model and chosen payment methods. 

Please contact us for more information:[sales@novalnet.de](mailto:sales@novalnet.de/ "sales@novalnet.de") or +49 89 9230683-20.

= ABOUT NOVALNET AG =

[Novalnet](https://www.novalnet.de/ "Novalnet") is a financial service institution offering payment solutions world-wide. We support customers all the way from setting up payment types and intelligent fraud prevention modules, to legitimate and reliable receivables and claims management. Operating in the market as a full payment service provider since 2007, we enable maximal reliability and client focus to all customers in every area of payment processing. Novalnet AG is a licensed payment institute which is regulated by the Federal Financial Supervisory Authority (BaFin).

= ADDON COMPATIBILITY =

To process Novalnet payments through this Gravity Forms Payment Addon, a [Novalnet account](https://www.novalnet.de/kontakt "Novalnet account") is needed.
 
* Compatible with WordPress/Gravity Forms addons
* Works with WordPress Multi-Site

== Installation ==

= Compatibility =   

Novalnet payment addon compatible for Gravity Forms 2.9.17.1

= Automatic Installation: =

* Go to Plugins > “Add New”.
* Download the Gravity forms payment addon - Novalnet from WordPress repository and Click "Install Now" to install the addon. A popup window will ask you to confirm your wish to install the addon.
= Note: = If this is the first time you've installed a WordPress plugin, you may need to enter the FTP login credential information. If you've installed the plugin before, it will still have the login information. This information is available through your web server host.

* Click “Proceed” to continue the installation. The resulting installation screen will list the installation as successful or note any problems during the install.
* If successful, click "Activate Plugin" to activate it, or “Return to Plugin Installer” for further actions.

= Manual Installation: =

* Download Gravity Forms payment addon - Novalnet to your desktop. (If downloaded as a zip archive, extract the plugin folder to your desktop.)
* Copy the plugin folder and paste into root/wp-content/plugins/ directory.
* Go to Plugins (Novalnet payment plugin - Gravity Forms) screen and find the “Novalnet payment plugin - Gravity Forms” in the list.
* Click “Activate Plugin” to activate it.
* Check the details in the readme file for customization and further instructions.

= Now you can get your Product activation key from the Novalnet Admin Portal: =

For this, kindly login into the Novalnet Admin Portal:

1. Go to http://www.novalnet.com and click on "Login" (top right). You will be redirected to Novalnet Admin Portal login form.
2. Inside the Novalnet Admin Portal, choose the tab "Projects" and click on the respective project in the list.
3. Click on the tab "API credentials".
4. You can find the API Signature (Product activation key), Payment access key and enter the keys in Novalnet API Configuration. Click on the "Save changes" button to configure and save the merchant details.

= Now you have all required details to finish setting up your GravityForms webshop!  =

== Frequently Asked Questions ==

= Do I require an Novalnet merchant account before I can use the GravityForms Novalnet payment addon? =

Yes, in order to use this addon and access all popular online payment methods within your Gravity Forms webshop you must require valid and approved Novalnet account. please contact our sales team __sales@novalnet.de / 0049-89-923 068 320__

= Where merchant can find product activation key? =

To get the Product Activation Key, please go to [Novalnet admin portal](https://admin.novalnet.de/ "Novalnet admin portal") - PROJECTS: Project Information - Shop Parameters: API Signature (Product activation key).

= How to configure server IP, vendor script URL & Paypal API? =

**Notification & Webhook URL Configuration**

Notification & Webhook URL is required to keep the merchant’s database/system up-to-date and synchronized with Novalnet transaction status. It is mandatory to configure the Vendor Script URL in Novalnet administration portal.

Novalnet system (via asynchronous) will transmit the information on each transaction and its status to the merchant’s system.

To configure Vendor Script URL, please go to [Novalnet admin portal](https://admin.novalnet.de/ "Novalnet admin portal") - Projects: Project Information - API credentials - Vendor script URL / Notification & Webhook URL.

**PayPal API Configuration**

To configure PayPal API details, please go to [Novalnet admin portal](https://admin.novalnet.de/ "Novalnet admin portal") - Projects: Project Information - Payment Methods: PayPal - Configure.

= Does this addon work with other Webshop addon? =

This online payment addon only works with the Gravity Forms webshop. Are you looking for other online payment modules for webshop software? Please Find the complete overview of our webshop modules on our website. https://www.novalnet.de

== Screenshots ==
1. Novalnet logo
2. Novalnet merchant global configuration
3. Novalnet payments are displayed in the checkout

== Changelog ==

= 3.2.0 =

   * [New] Implemented Online bank transfer and TWINT payments
   * [New] EPC QR code implemented for Prepayment, Invoice, Invoice with payment guarantee and Instalment by Invoice payments
   * [Fix] Optimized handling of tariff IDs in the Novalnet API configuration when loading a single tariff 
   * [Enhanced] Offering Instalment payments and Guarantee payments to B2B customers in Switzerland
   * [Enhanced] Extension of Instalment Payment cycles till 36 cycles
   * [Enhanced] Built-in Sub-Resource Integrity (SRI) integrated for JavaScript files to improve security for preventing unauthorized modification
   * [Enhanced] Minification of CSS and JavaScript files for enhanced performance
   * [Enhanced] Optimized the Callback/Webhook process for fetching Dynamic IP
   * [Removed] Sofort, giropay and Barzahlen/viacash payments

= 3.1.0 =

   * [Enhanced] Hosted payment page integration has been updated to redirected page

= 3.0.0 =

   * New Release: Payment plugin built with seamless payment experience with new v2 API structure and enhanced features

== Arbitrary section ==

= Connect to GravityForms: =

1. Switch back to the WordPress admin area.

2. Click on "Plugins" in the menu on the left and choose "Novalnet" tab there.

3. Inside the "Novalnet API Configuration" section you will have the Novalnet merchant API configuration. It will follow the below mentioned structure

    * **Product activation key** Kindly enter the exact key from Novalnet admin area
    
    * **Payment access key** Kindly enter the exact key from Novalnet admin area

    * **Select Tariff ID** Kindly select the tariff from the list

    * **Subscription Tariff ID** Kindly select the subscription tariff from the list

    * **Notification / Webhook URL** Notification / Webhook URL settings
    
Now, just the following steps have to be executed for going live:

= TRANSLATIONS =

* English
* German

= GO-LIVE: =

Now execute the following steps to go live and start your sales:

* Install the Gravity Forms Payment Addon by Novalnet directly from the Wordpress repository 
* Find the detailed information in the Installation Guide (incl. in the package) 
* Configure Product Activation Key & Payment Access Key in the shop admin panel
* Activate & configure the preferred payment types in Novalnet merchant admin panel 
* You are ready to go!

Please contact [sales@novalnet.de](mailto:sales@novalnet.de/ "sales@novalnet.de") / 0049-89-923 068 320 for any technical issues or questions.

= DISTRIBUTION =

This addon enables the integration between Gravity Forms and Novalnet payments. The addon is free and released under the GNU General Public License. If you have found this script useful, please let also others know about it! Recommendations as well as comments in the merchant forum will be appreciated!
