SMEPay: UPI Gateway for WooCommerce

SMEPay: UPI Gateway for WooCommerce is a WordPress plugin built specifically for Indian WooCommerce stores to accept payments via UPI QR codes. With SMEPay, customers can scan a QR code at checkout to make instant payments using popular UPI apps like Google Pay, PhonePe, or Paytm. The plugin is easy to install, configure, and fully compatible with the latest WooCommerce versions.

Features:

• UPI Payments Integration: Accept UPI payments via QR code.
• Works with WooCommerce: Seamless integration with WooCommerce.
• Customizable Settings: Configure title, description, and more directly from the WooCommerce settings page.
• Instant Payment: Customers can complete transactions with instant UPI payment processing.

Requirements

• SSL Certificate Required: For secure payment processing, your website must have an SSL certificate (HTTPS) installed and configured.
  • Verify SSL by checking for the padlock icon in your browser’s address bar.
  • If you don’t have SSL, please obtain one from your hosting provider before enabling SMEPay.

External Services

This plugin connects to the SMEPay platform, a third-party UPI payment service provided by Typof Technologies, to enable UPI payments in your WooCommerce store.

🔧 API Endpoints (Based on Mode)

The plugin uses different endpoints depending on your selected mode:

• Development Mode (mode = development):
  Base URL: https://staging.smepay.in/api/wiz/…

• Production Mode (mode = production):
  Base URL: https://extranet.smepay.in/api/wiz/…

Endpoints Used:

• /external/auth – Authenticate WooCommerce store with SMEPay
• /external/create-order – Create UPI QR payment request
• /external/validate-order – Validate payment status

Frontend Widget Script:

• https://typof.co/smepay/checkout-v2.js – This script loads a React-based frontend app that renders the UPI QR code at checkout. It enables customers to scan and pay using their UPI app. It only uses data required to generate and display the QR code for the current WooCommerce order. It does not track users, store cookies, or collect personal data outside the transaction context.

📤 Data Shared with SMEPay

During payment processing, the plugin sends:
– WooCommerce order ID, total amount, currency
– Customer info (name, email, phone)
– Callback URL (order confirmation page)
– SMEPay Client ID & Secret
– Mode indicator (development or production)

🛡️ Data Sharing Consent

No data is sent to SMEPay unless the customer explicitly selects the SMEPay payment option at checkout and places an order.

🔄 When Data Is Sent

1. When the user selects SMEPay at checkout and the order is created
2. After payment, to confirm successful payment via the validate endpoint

⚙️ Why We Send This Data

• To generate a transaction-specific UPI QR code
• To confirm payment and update order status in WooCommerce
• To ensure secure, authenticated communication linked to your store
• If the SMEPay service is temporarily unavailable, customers can select an alternative payment method configured in your WooCommerce store.

🧭 Service Provider Details

This plugin interacts with the following SMEPay-hosted domains:
– smepay.in, typof.co – API endpoints
– typof.co – QR widget script (checkout-v2.js)

Service Provider: SMEPay by Typof Technologies
– Terms of Service
– Privacy Policy