buyCRED

The buyCRED add-on allows your users to purchase points using real money using some of the most popular payment gateways on market today. By default, the add-on comes with six built-in gateways to get you started. You can however find more gateways in the myCRED store if the built-in ones are not to your liking.

myCRED buyCRED Add-on

The Purchase Process

Step 1

A user visits a page or post where you have inserted either the mycred_buy or mycred_buy_form shortcode, and selects to buy points.

Step 2

The user is redirected to the myCRED Checkout Page which will calculate the cost, validate the purchase request and make sure the the selected payment gateway is correctly setup.

Step 3

The buyer is either redirected to the payment processors server where they can make the payment or if the gateway supports it, process the users payment details on your website.

Step 4

If the gateway supports automatic updates (most do) the processor will inform your website when a payment has been completed. myCRED will listen to these calls and credit the users account with points once a notification is verified.

Pending Payments

Until a purchase has been completed, the request is considered “Pending”. As of 1.7, purchases using the manual gateway will only produce pending payments that you as an administrator must manually approve / decline. Payments that are abandoned by a user will also remain pending.

You can use the mycred_buy_pending shortcode to show your users their pending requests. From this list, they can select to pay or cancel their purchase.

Pending buyCRED purchase requests listed in admin area.
Pending buyCRED purchase requests listed in admin area.
The new payment editor allows you to make changes to requests, approve or decline them.
The new payment editor allows you to make changes to requests, approve or decline them.

Purchase Log

If enabled via your buyCRED settings, you can show a dedicated log for all point purchases instead of having to filter the default log. In this log, you can see all completed payments where payments of yellow color indicates purchases made in debug mode.

The purchase log only show completed point purchases.
The purchase log only show completed point purchases.

Installation

Once you have enabled the add-on, your fist step should be to configure the add-ons settings. The settings can be found on the myCRED > Settings page or if you are using multiple point types, the settings page of your first point type.

First, you must set the minimum amount of points a user must purchase, which point type(s) you want to sell along with the log entries you want to use.

Next you must select where users should be redirected to when they cancel or complete their purchase.

Finally, you need to select if you want to allow “Gifting”. If enabled, users will be able to purchase points for other members as a “gift”.

To finish, scroll down and save (even if you make no changes).

Once your settings have been saved, you can move on to enable the payment gateway you want to use. You can find your payment gateways on the myCRED > Payment Gateways page. If you are using multiple point types, this page will be visible in your first point type’s menu.

The buyCRED add-on's settings.
The buyCRED add-on's settings.

Gateway Setup Guides

PayPal Payments Standard

  1. Go to the myCRED > Payment Gateways page in your admin area.
  2. Click on “PayPal Payments Standard” in the list to view your settings.
  3. Select to enable the payment gateway.
  4. Select the currency to use with this gateway.
  5. Enter your PayPal Account Email.
  6. Change “Item Name” to what you want buyers to see when they pay. You can use the %number% template tag to show the amount of points a user will buy and this field also supports general template tags. Note that this field can not be empty!
  7. Set an exchange rate between your points and the currency you selected. By default this will be 1:1.
  8. Save.

As of version 1.6, you no longer need to set the Instant Payment Notifications URL for PayPal to a specific URL but the IPN notifications must be enabled. If another plugin on your website requires the notifications URL to be set to something specific, thats fine, but the service must be enabled.

Bitpay

  1. Go to the myCRED > Payment Gateways page in your admin area.
  2. Click on “Bitpay (Bitcoins)” in the list to view your settings.
  3. Select to enable the payment gateway.
  4. Enter your Bitpay API Key.
  5. Enter the thee character currency code you want to use with this gateway.
  6. Change “Item Name” to what you want buyers to see when they pay. You can use the %number% template tag to show the amount of points a user will buy and this field also supports general template tags. Note that this field can not be empty!
  7. Set an exchange rate between your points and the currency you selected. By default this will be 1:1.
  8. Select your Transaction Speed. If High is selected, the user will gain the points as soon as the payment is completed. If you prefer that points are paid first when the amount has been confirmed in your Bitpay account (bitcoin block updated) then select Low.
  9. Select if you want full notifications. Recommended to be set to “Yes”.
  10. Save.

It is recommended that you create a separate API key for buyCRED instead of using an existing one (if you use Bitcoin in other plugins on your website as well e.g. WooCommerce).

Netbilling

  1. Go to the myCRED > Payment Gateways page in your admin area.
  2. Click on “NETBilling” in the list to view your settings.
  3. Select to enable the payment gateway.
  4. Enter your Account ID.
  5. Enter your Site Tag.
  6. Enter your Order Integrity Key from your NETBilling account. This can be found on the “Fraud Defence” page under Step 12. Make sure the “Enforce order integrity checkbox is checked!
  7. Change “Item Name” to what you want buyers to see when they pay. You can use the %number% template tag to show the amount of points a user will buy and this field also supports general template tags. Note that this field can not be empty!
  8. Set an exchange rate between your points and USD. By default this will be 1:1.
  9. Copy the Postback CGI URL address given to you.
  10. Save.
  11. Login to your NETBilling account and edit your site in the Site list by selecting “Configure”. Scroll down till you find “Postback CGI URL” and paste in the address.
  12. Save.

For increased security, it is highly recommended that you change your Order Integrity key every now and then. You can change it under “Fraud Defence” by generating a new one. Remember to update your myCRED Payment Gateway settings to use this newly generated key instead of the old one!

The Fraud Defence setup page where you enable and create a unique Order Integrity Key.

Skrill

  1. Go to the myCRED > Payment Gateways page in your admin area.
  2. Click on “Skrill (Moneybookers)” in the list to view your settings.
  3. Select to enable the payment gateway.
  4. Select the currency you want to use with this gateway.
  5. Enter your merchant account email address.
  6. Enter your secret word. You can set your secret word under “Merchant Tools” in your Skrill Account.
  7. Change “Item Name” to what you want buyers to see when they pay. You can use the %number% template tag to show the amount of points a user will buy and this field also supports general template tags. Note that this field can not be empty!
  8. Set an exchange rate between your points and the currency you selected. By default this will be 1:1.
  9. Select if you want to receive a confirmation email on each purchase.
  10. Finally you can change how your Skrill checkout page looks and what information is shown. You can also leave these empty to use your default setup in Skrill.
  11. Save.

By default purchases made using Skrill will result in users having to signup for a Skrill account (if they do not have one already). You can contact Skrill Merchant Services and request to disable this feature.

Zombaio

  1. Go to the myCRED > Payment Gateways page in your admin area.
  2. Click on “Zombaio” in the list to view your settings.
  3. Select to enable the payment gateway.
  4. Enter your Site ID.
  5. Enter your GW password
  6. Enter your Pricing ID
  7. Enter a logo URL you want to use on the checkout page
  8. Select if you want to use the IP Verification which will force buyCRED to only accept callbacks from the Zombaio server IPs.
  9. Select the language you want to use for the checkout page.
  10. Login to your Zombaio account and enter the URL given to your for your ZScript.
  11. Save.
  12. Go back to your Zombaio account and test the ZScript. If all is set correctly, you should get a success message.

The Zombaio gateway works a little bit different from the other gateways in buyCRED. While your users nominate / select the amount of points they want to buy on your website, with Zombaio, they do this on the Zombaio website and not on yours.

This in turn results in the pending payment request for Zombaio transactions will not contain the amount of points the user requested to buy or how much that will cost. The point amount will become visible once payment has been confirmed by Zombaio and the amount has been deposited into the users account.

Your website setup in your Zombaio account.
Your website setup in your Zombaio account.

Bank Transfer (new in 1.7)

  1. Go to the myCRED > Payment Gateways page in your admin area.
  2. Click on “Bank Transfer” in the list to view your settings.
  3. Set the title of the gateway. This is what will be shown to the users.
  4. Set a gateway logo (optional).
  5. Set the “Bank Account Information”. This will be shown to the user on the checkout page once the request has been saved.
  6. Set your currency and exchange rate.
  7. Save.

While the gateway is called “Bank Transfer” you can re-name this to any other manual source e.g. Check, Money Order etc.

Last edited August 25, 2016