=== Rotessa PAD Payments for WooCommerce ===
Contributors: catcodestudio
Tags: rotessa, pad, pre-authorized debit, canada, woocommerce
Requires at least: 6.2
Tested up to: 7.1
Requires PHP: 7.4
Stable tag: 1.0.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Take WooCommerce payments from Canadian bank accounts by pre-authorised debit (PAD) through Rotessa.

== Description ==

Rotessa debits Canadian bank accounts (PAD / EFT). This plugin adds it to WooCommerce as a payment method: the customer enters institution, transit and account number at checkout, the plugin creates the customer and a debit schedule in your Rotessa account, and the order is marked paid when the bank approves the debit.

* **Checkout, classic and block** — bank account fields, a pre-authorised debit agreement checkbox with your own wording, validation of the numbers before anything is sent.
* **Bank details are never stored** on your shop: they go straight to Rotessa. Not in the order, not in order notes, not in logs.
* **Debit date** — a set number of business days after the order (Rotessa needs at least 2).
* **Order flow** — the order waits "on hold" until the bank answers; approved debits complete the payment, declined or charged-back debits fail the order with the bank's reason in the order note.
* **Check the status by hand** from the order screen ("Check the Rotessa payment status") — Rotessa has no webhooks, so the status is read from the API.
* Sandbox switch, HPOS and block checkout declared compatible.
// @pro-begin
* French (Canada) translation included.
// @pro-end

// @pro-begin
= Pro =

The Pro version is sold on [catcode.com.ua](https://catcode.com.ua/modules/rotessa-woocommerce/), with a 7-day trial that never starts by itself:

* **Automatic payment status** — every hour the plugin asks Rotessa about open orders and marks them paid, failed or charged back by itself.
* **Instalment plans** — the customer pays in 2 or more debits (weekly, every other week, monthly); the shop is charged exactly the order total, odd cents included.
* **US bank accounts (ACH)** — routing number and checking or savings next to Canadian PAD, for shops selling in USD.

The licence runs for 1-5 years and includes updates and support for that term; a purchased licence keeps its Pro features after the term ends.
// @pro-end

= Needs a Rotessa account =

You need an account with Rotessa and an API key (Rotessa portal, "Create API Key"). Rotessa charges its own fees. This plugin is not made or endorsed by Rotessa; Rotessa is a trademark of its owner.

== Installation ==

1. Install and activate the plugin. WooCommerce must be active, and the shop currency must be CAD.
2. WooCommerce → Settings → Payments → Pre-authorised debit (Rotessa): paste the API key, choose the number of business days before the debit and check the agreement text.
3. Try it with a Rotessa sandbox key and the Sandbox option first.

== Frequently Asked Questions ==

= Which currency does it need? =

Canadian dollars. A shop in another currency does not see the payment method.

= Does it refund? =

No. The Rotessa API does not offer a refund call, so refunds are made in your Rotessa account and in WooCommerce by hand.

= Where are the bank details kept? =

Nowhere on your site. The plugin sends them to Rotessa while the order is placed and keeps only the Rotessa customer and schedule numbers.

= Is the agreement text legal advice? =

No. The default wording is only a starting point; have your own PAD agreement checked with Rotessa or your adviser.

= What if the debit date falls on a bank holiday? =

The plugin skips weekends only. If Rotessa refuses the date, the order note names the reason; add one more day in the settings.

== Changelog ==

= 1.0.0 =
* First release: pre-authorised debit through Rotessa at classic and block checkout, manual status check from the order screen.
