IBAN Smart Invoice — QR + Monobank auto-detect for WooCommerce

IBAN Smart Invoice is a WooCommerce plugin that shows an EPC QR code for payment and Monobank/Privat24 deep-link buttons right on the Thank You page. The customer scans the QR code in their banking app — the payment details fill in by themselves. The Pro version also automatically detects the incoming payment via the Monobank Personal API and closes the order itself.

It can be downloaded for free. It’s a single build: the QR invoice, payment details, bank buttons and the customer e-mail all work with no key, and Pro features are visible in place — greyed out, with an explanation of what they give you. There’s a separate, simplified version in the WordPress.org directory: wordpress.org/plugins/catcode-iban-smart-invoice — it has no automatic detection at all.

How it works, step by step

1. The customer chooses the IBAN Smart Invoice method at checkout (its default title is “Оплата на IBAN/картку (Monobank / Privat24)”).
2. On the Thank You page they see the QR code, deep-link buttons and the payment details.
3. They scan the QR code in their banking app — the transfer fills in automatically, and all that’s left is to confirm it.
4. Pro: within 5–30 seconds a Monobank webhook arrives, the plugin matches the amount and reference — the order moves to “Processing” by itself.
5. Free: you see the transfer in your bank and move the order to “Processing” manually.

Under the hood

• The Monobank token is encrypted via sodium_secretbox with a key derived from wp_salt('auth') — it’s never stored in the database in plain text.
• One build instead of two plugins: Pro features are gated by a server-side licence, not a separate archive. The key is checked on the CatCode server.
• The Order Matcher matches payments by reference and amount; partial payments are accumulated, and a “Received N UAH of M UAH” hint appears on the Thank You page.
• Passed the Plugin Check audit — $wpdb->prepare(), escaped admin output, nonce checks; the free version of the plugin has been approved by WordPress.org reviewers.

How to install

1. Plugins → Add New → Upload Plugin → choose iban-smart-invoice-1.0.3.zip → Install → Activate.
2. If the simplified version from the WordPress.org directory is installed, deactivate it — this build includes everything it does. Settings and orders are kept.
3. WooCommerce → Settings → Payments → IBAN Smart Invoice → enable the method, enter the IBAN, recipient, EDRPOU/tax ID.
4. Premium: in the “Premium licence” block, paste the key and click “Activate licence” — or “Try Premium free for 7 days”.
5. Paste in the Monobank Personal API token and click “Connect Monobank” — the bank will start sending statement data, and orders will start closing themselves.