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Ivno Payment Gateway with Instant Approval

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Ivno Payment Gateway with Instant Approval

by ivno

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Description

Welcome to Ivno Payment Gateway—the versatile WooCommerce payment gateway that changes how high-risk businesses handle payments by combining traditional fiat payment methods with crypto checkout flows.
Whether you operate in IPTV, CBD, Peptides, Adult content, Gaming, or other high-risk industries, Ivno helps your business stay live and profitable.
Accept global payments by Credit / Debit Card, Apple Pay, Google Pay, and Crypto.
Receive USDC payouts instantly after each sale for fiat/card settlements, and receive supported crypto payouts instantly to the original coin paid for cryptocurrency transactions.

Key Benefits for Merchants

  • Instant Access: Start accepting payments immediately after installation.
  • Zero KYC Required for Merchant Onboarding: Start integrating without long verification delays for your merchant account.
  • Crypto Checkout Support: Let customers choose Crypto alongside your existing card methods.
  • Selective Fiat/Crypto Display Control: Hide or show card/fiat and crypto options based on what you want to accept.
  • Selective Crypto Display Control: Hide or show specific cryptocurrency and network options on WooCommerce checkout based on what you want to accept.
  • Automatic Wallet-Based Crypto Visibility: Crypto options whose payout wallet has not been saved in the Crypto Merchant Dashboard are automatically hidden from WooCommerce checkout.
  • Configurable Minimum Order Amount: Merchants can set (or disable) the minimum cart total required for Ivno to appear at checkout, consistently enforced on both classic and block-based checkout.
  • No Chargebacks on Crypto Settlements: Crypto transactions are final and irreversible.
  • 24/7 Support: Dedicated support whenever you need help.
  • Custom Integration: Branded payment experiences for both fiat and crypto checkouts.

Versatile Features

  • Multi-Payment Support: Accept Credit/Debit Cards, Apple Pay, Google Pay, and Crypto.
  • Standalone Crypto Asset + Network Selection: Tokens are listed with their network as separate options so customers can choose exactly how they want to pay.
  • Merchant-Controlled Fiat Visibility: Disable the card/fiat option if you want to run crypto-only checkout.
  • Merchant-Controlled Crypto Visibility: Enable only the cryptocurrency/network combinations you want displayed at checkout.
  • Useful for Wallet Readiness: Hide crypto assets you have not yet configured payout wallets for.
  • Supported Cryptocurrencies and Networks:
  • Bitcoin (BTC) — Bitcoin
  • Ethereum (ETH) — Ethereum
  • Solana (SOL) — Solana
  • Litecoin (LTC) — Litecoin
  • Monero (XMR) — Monero
  • Dogecoin (DOGE) — Dogecoin
  • Cardano (ADA) — Cardano
  • Tron (TRX) — Tron
  • Tether (USDT) — Tron / Ethereum / Polygon / BNB Smart Chain
  • USD Coin (USDC) — Polygon / Ethereum / BNB Smart Chain / Arbitrum / Optimism / Solana
  • Automatic Currency Conversion: Fiat totals are converted into crypto in real time for customer checkout.
  • Real-Time Transaction Monitoring: Track and export transactions directly from your merchant dashboard.
  • Secure Processing: Enterprise-grade security for both fiat and crypto flows.
  • Crypto API Integration: Connect WooCommerce to the Ivno Crypto environment using dedicated Crypto API credentials.
  • Webhook Signature Verification: Separate Fiat and Crypto webhook secret support.
  • Built-In KYC Discounts: Reward users for selecting Ivno while protecting your margin.
  • Automated Order Management: Orders update automatically after successful fiat or crypto payment confirmation.
  • Crypto Checkout Translation Support: Compact multilingual crypto checkout experience for customers.
  • Predictable Fiat/Card Payouts: Card and fiat-originated payments are settled in USDC instantly.
  • Direct Crypto Payout Flexibility: Receive supported crypto payouts depending on your configured flow.
  • Mobile-Ready Payments: Checkout pages and QR flows are optimized for mobile.
  • Developer Friendly: Works with WooCommerce and custom Ivno APIs.
  • Unified Diagnostics Across Checkout Types: Built-in admin-only debug panel (?ivno_debug=1) works identically on both the classic shortcode checkout and the block-based checkout, making setup issues easy to self-diagnose.
  • Faster Crypto Wallet Refresh: Wallet-backed crypto visibility now refreshes much faster after crypto API key regeneration or merchant wallet changes, reducing stale checkout visibility delays.
  • 24/7 Dedicated Support: Reliable help when you need it.

Privacy, Security & Compliance

This gateway processes payment information with enterprise-level safety:
* End-to-end SSL/TLS encryption
* PCI DSS aligned processing for fiat payment partners
* No storage of sensitive card information on your server
* Secure webhook signature verification
* Crypto checkout backed by merchant wallet validation
* Server-side validation for crypto asset availability
* Automatic sanitization of stored API credentials to prevent silent authentication failures caused by hidden/invisible characters
* Fully GPL-compatible and WooCommerce-friendly

Helpful Links

  1. Upload the plugin files to the /wp-content/plugins/ivno-payment-gateway/ directory, or install through the WordPress plugins screen.
  2. Activate the plugin through the Plugins screen in WordPress.
  3. Go to WooCommerce Settings Payments Ivno Payment Gateway.
  4. Enable the gateway and enter your Fiat API Key and Fiat API Secret from your Ivno Merchant Dashboard.
  5. Copy the Fiat Webhook URL shown in WooCommerce Ivno settings.
  6. Go to Ivno Merchant Dashboard Webhooks and paste that Fiat Webhook URL into the Webhook URL field.
  7. Copy the Fiat Webhook Secret from Ivno Merchant Dashboard Webhooks.
  8. Paste that Fiat Webhook Secret into the WooCommerce Ivno settings.
  9. Save your WooCommerce settings.
  10. Configure your payout settings in the Merchant Dashboard for fiat settlements.

Optional Fiat Setup Control

  1. Use the Enable Card / Fiat Option setting if you want to hide card payments and run crypto-only checkout.

Crypto Setup

  1. Go to WooCommerce Settings Payments Ivno Payment Gateway.
  2. Crypto is enabled by default on new installations. Leave it enabled or disable it if you do not want to accept crypto.
  3. Copy your Crypto API Key and Crypto API Secret from your Merchant Dashboard crypto API section.
  4. Paste those credentials into the WooCommerce Ivno settings.
  5. Copy the Crypto Webhook Secret from the Merchant Dashboard crypto webhooks section.
  6. Paste the Crypto Webhook Secret into the WooCommerce Ivno settings.
  7. Use the Enabled Cryptocurrencies setting to choose exactly which crypto asset/network options should appear on WooCommerce checkout.
  8. Ensure your merchant crypto payout wallets are configured in the Merchant Dashboard for the assets and networks you want to accept, including:

* BTC — Bitcoin
* ETH — Ethereum
* SOL — Solana
* LTC — Litecoin
* XMR — Monero
* DOGE — Dogecoin
* ADA — Cardano
* TRX — Tron
* USDT — Tron / Ethereum / Polygon / BNB Smart Chain
* USDC — Polygon / Ethereum / BNB Smart Chain / Arbitrum / Optimism / Solana
20. Crypto options without a saved merchant payout wallet in the Crypto Merchant Dashboard will be automatically hidden from checkout.
21. Optionally adjust the Minimum Order Amount setting (default $20) to control the lowest cart total at which Ivno will appear at checkout. Set to 0 to always show Ivno regardless of cart total.
22. Save settings and test a WooCommerce order using both fiat and crypto flows.

Troubleshooting

  1. If Ivno does not appear at checkout, log in as an administrator and add ?ivno_debug=1 to your checkout page URL. This displays a diagnostic panel (on both classic and block-based checkout) showing whether the gateway is enabled, whether your credentials are configured and free of hidden characters, whether wallet-backed crypto assets were found, and whether your cart total meets the configured minimum order amount.
What payment methods does Ivno support?

Ivno supports traditional fiat payment methods such as major credit/debit cards, Apple Pay, and Google Pay. It also supports crypto checkout when enabled by the merchant.
Supported crypto options include:
* Bitcoin (BTC) — Bitcoin
* Ethereum (ETH) — Ethereum
* Solana (SOL) — Solana
* Litecoin (LTC) — Litecoin
* Monero (XMR) — Monero
* Dogecoin (DOGE) — Dogecoin
* Cardano (ADA) — Cardano
* Tron (TRX) — Tron
* Tether (USDT) — Tron / Ethereum / Polygon / BNB Smart Chain
* USD Coin (USDC) — Polygon / Ethereum / BNB Smart Chain / Arbitrum / Optimism / Solana

Can I enable Crypto alongside cards?

Yes. The WooCommerce plugin can offer both traditional card methods and crypto inside the same Ivno payment method. Customers can choose whether they want to pay by Card / Apple Pay / Google Pay or by Crypto.

Is Crypto enabled by default on first install?

Yes. On fresh installation/configuration, both fiat/card payments and crypto payments are enabled by default. Merchants can manually disable crypto or fiat later from the WooCommerce Ivno gateway settings.

Is Crypto preselected by default at checkout?

Yes. If both fiat and crypto are enabled and available, the checkout will preselect Crypto by default unless the customer changes it.

Can I disable card / fiat checkout and show only crypto?

Yes. Version 2.1.1 adds a merchant setting that allows you to disable the Card / Fiat option from checkout while still keeping crypto enabled. This is useful if you want Ivno to operate as a crypto-only payment gateway on WooCommerce.

Can I hide specific cryptocurrencies from checkout?

Yes. Version 2.0.0 adds a new Enabled Cryptocurrencies setting in the WooCommerce Ivno gateway configuration. This lets you show only the crypto asset/network combinations you want customers to see.
This is especially useful if:
* you have not yet configured a payout wallet for a specific crypto
* you want to temporarily stop accepting a particular asset or network
* you want a smaller, simpler crypto list at checkout

Will a crypto option be hidden automatically if no payout wallet is saved?

Yes. Ivno ensures that a cryptocurrency/network method is automatically hidden from WooCommerce checkout if the merchant has not entered and saved a matching payout wallet for that crypto in the Ivno Crypto Merchant Dashboard.
This helps prevent customers from selecting a crypto payment method that is not actually ready to receive payouts.

Does Ivno support platforms other than WooCommerce?

Yes. Ivno provides API support and can be used beyond WooCommerce.
In addition to WooCommerce, Ivno supports or can be integrated with platforms such as:
* Shopify
* WHMCS
* PrestaShop
* OpenCart
* Magento
* BigCommerce
* Ecwid
* Spree Commerce
* Shopware
* Shift4Shop
* Commercetools
* Elastic Path
* Drupal Commerce
* Volusion
* Wix eCommerce
* Miva
* XenForo
* NamelessMC
* Paymenter
and more through custom API-based integration.
If your platform is not listed above, you can still contact Ivno for custom integration options using the Ivno API.

How are cryptocurrencies listed?

Each token is listed together with its specific network as a standalone selectable option.
Current supported options are:
* BTC — Bitcoin
* ETH — Ethereum
* SOL — Solana
* LTC — Litecoin
* XMR — Monero
* DOGE — Dogecoin
* ADA — Cardano
* TRX — Tron
* USDT — Tron / Ethereum / Polygon / BNB Smart Chain
* USDC — Polygon / Ethereum / BNB Smart Chain / Arbitrum / Optimism / Solana

How do I configure Crypto checkout in WooCommerce?

Go to WooCommerce Settings Payments Ivno Payment Gateway and enable the Crypto Option. Then paste your Crypto API Key, Crypto API Secret, and Crypto Webhook Secret from your Merchant Dashboard.
You can also use the Enabled Cryptocurrencies setting to limit checkout visibility to only the assets and networks you want customers to use.

What is the minimum order amount?

As of the current version, the minimum order amount is merchant-configurable via the Minimum Order Amount setting in WooCommerce Settings Payments Ivno Payment Gateway. It defaults to $10, matching prior plugin behavior, but can be raised, lowered, or set to 0 to disable the minimum entirely. This threshold is enforced identically whether your store uses the classic checkout or the block-based checkout.

What fiat currencies are supported?

To process payments, Ivno supports USD, EUR, and GBP currencies. Please ensure your WooCommerce or store settings are set to any of these three currencies.

Why is Ivno not showing up at checkout even though everything looks configured correctly?

This is almost always one of the following: the gateway’s Enable/Disable toggle is not actually saved as enabled, one of your API credential fields contains invisible/hidden characters from copy-pasting, or your test cart total is below the configured Minimum Order Amount. As an administrator, add ?ivno_debug=1 to your checkout page URL to see a full diagnostic panel that checks all of these automatically. This diagnostic panel works identically on both classic and block-based checkout as of version 2.4.4.

Why does Ivno payout in USDC?

Ivno uses USDC payouts for fiat/card-based payments, settlements are instant. For crypto checkout, merchants receive the original cryptocurrency paid by the customer instead of a USDC-converted payout.

What payout wallet do I need?

For fiat settlement, configure your payout settings in the Merchant Dashboard. For crypto settlement, you need the appropriate wallet addresses configured for the crypto assets and networks you want to accept, such as BTC, ETH, SOL, LTC, XMR, DOGE, ADA, TRX, USDT on supported networks, and USDC on supported networks.

Do I need a separate webhook for Crypto?

Yes. Crypto uses a dedicated Crypto Webhook Secret from your Merchant Dashboard. This allows WooCommerce to securely verify crypto payment updates.

How does the payment process work?

Customers can pay by:
1. Card / Apple Pay / Google Pay, or
2. Cryptocurrency.
For fiat, the usual Ivno fiat flow is used, and merchant payouts are settled in USDC.
For crypto, a crypto checkout session is created and the customer is redirected or shown a modal checkout, and the merchant receives the original cryptocurrency paid by the customer.
Only merchant-enabled payment modes and crypto asset/network combinations with configured wallets are shown to customers at checkout.

How secure is Ivno?

Ivno uses secure API authentication, webhook signature verification, wallet validation, encrypted payment flows, and server-side crypto selection validation for both fiat and crypto modes.

What happens if a customer’s payment fails?

If a payment fails, WooCommerce will remain pending or be updated to failed depending on the payment status callback.

3.2.0

  • Fixed: Orders can no longer remain stuck in “Pending payment” when the confirmation webhook is blocked, delayed, or lost by the merchant’s host. Added an automated Order Self-Healing engine: an instant verification on the order-received (thank you) page plus a 10-minute reconciliation cron that checks pending Ivno orders against the Ivno API and completes them automatically.
  • Added: New authenticated /transactions/status API endpoint used by the gateway for reconciliation.
  • Improved: Self-healing also revives orders that were auto-cancelled by WooCommerce hold-stock timers before the payment confirmation arrived.
  • Improved: Diagnostic order notes are added whenever the reconciliation engine completes or fails an order.
  • Bumped plugin versioning to 3.2.0.

3.1.1

  • Version bump

3.1.0

  • Feature: Added support for British Pound Sterling (GBP) fiat on-ramp payments.
  • Feature: Implemented a Dynamic Wallet Pool for Stripe Onramp. Customer emails are now automatically assigned a unique, stable USDC destination wallet, eliminating Stripe Link collisions and ensuring reliable payouts. Repeat customers seamlessly reuse their assigned wallets.
  • Improvement: Enhanced backend payout routing with automated pool wallet management to securely sweep and assign destination wallets.
  • Bumped plugin version to 3.1.0.

3.0.0

  • Major: Implemented complete Live vs Sandbox environment isolation across all merchant dashboard tables, API keys, webhooks, and wallet configurations.
  • Major: Introduced strict environment-specific API key prefixes (Live: iv_live_ / iv_secret_, Test: iv_test_ / iv_test_secret_) for clearer environment identification.
  • Major: Added environment column to crypto wallets, crypto links, crypto subscriptions, and fiat subscriptions tables to fully separate Live and Sandbox data.
  • Feature: Added “Link” column to Active Fiat Subscriptions and Crypto Subscriptions tables with an open-in-new-tab icon that generates a fresh, non-expiring payment link on demand.
  • Feature: Added “Customer” column to Crypto Links table with copy-to-clipboard icon for customer email addresses.
  • Feature: Added “Created” column with styled date/time to Crypto Links, Crypto Subscriptions, Fiat Subscriptions, and Fiat Payment Links tables.
  • Improvement: Crypto subscription creation now immediately generates and displays a shareable payment link.
  • Improvement: Fiat payment links now auto-regenerate Stripe sessions when accessed, preventing expiration issues.
  • Improvement: Cart abandonment recovery emails now use non-expiring cloaked URLs that regenerate Stripe sessions on access.
  • Improvement: Removed XRP (Ripple) and POL (Polygon) from supported cryptocurrencies list across the plugin.
  • Improvement: Date and time display now shows time in a smaller, lighter font below the date for better readability.
  • Bumped plugin, Blocks support, and Blocks JS versioning to 3.0.0.

2.5.7

  • Bumped README stable tag to 2.5.7.

2.5.6

  • Updated README to clarify that fiat/card payouts are paid instantly.
  • Updated payout wording throughout the description, FAQ, and feature sections to distinguish monthly fiat/card payouts from direct crypto payouts.
  • Bumped README stable tag to 2.5.6.

2.5.5

  • Improved: Crypto wallet-backed asset lookup cache now refreshes in approximately 10 seconds instead of up to 3 minutes after crypto API key regeneration or merchant wallet updates.
  • Improved: Faster propagation of newly regenerated crypto credentials to WooCommerce checkout visibility.
  • Improved: Operational debugging around wallet-backed crypto visibility and cache-clearing workflows.
  • Updated stable tag to 2.5.5.

2.4.4

  • Fixed: Admin debug panel (?ivno_debug=1) previously only rendered on the classic shortcode checkout and never on block-based checkout, causing admins to see log entries with no corresponding on-page diagnostics. Both checkout types now share a single diagnostics source (get_debug_diagnostics()) and render an identical visual panel.
  • Fixed: Gateway “Enabled” state is now explicitly surfaced in the debug panel on both checkout types, making a disabled-but-assumed-enabled gateway immediately obvious instead of requiring email support to diagnose.
  • Fixed: API credential fields (Fiat/Crypto API Key and Secret) are now sanitized beyond plain trim() to strip BOM markers, zero-width characters, non-breaking spaces, and control characters that can be silently introduced via copy/paste and previously caused authentication to fail with no visible error. Existing stored credentials are automatically cleaned the next time settings are saved.
  • Fixed: The previously hardcoded $20 minimum order amount (enforced only on classic checkout) is now a configurable Minimum Order Amount setting, enforced identically on both classic and block-based checkout, eliminating a behavior mismatch between the two.
  • Fixed: ivno-blocks.js now includes defensive guard clauses that detect missing WooCommerce Blocks globals or missing localized settings and log clear, actionable console.error() messages instead of failing silently with no visible symptom.
  • Improved: Blocks script versioning now uses file modification time instead of a static string, preventing stale cached copies of ivno-blocks.js from being served after plugin updates.
  • Improved: Short description and FAQ wording updated for accuracy and clarity.
  • Bumped plugin, Blocks support, and Blocks JS versioning to 2.4.4.

2.3.3

  • Bumped stable tag to 2.3.3.

2.2.2

  • Crypto is now enabled by default on fresh plugin setup while fiat remains enabled by default.
  • Crypto is now preselected by default at checkout when both fiat and crypto are available.
  • Added automatic hiding of crypto asset/network options whose matching payout wallet has not been entered and saved in the Ivno Crypto Merchant Dashboard.
  • Improved checkout safety so customers only see crypto methods that are actually payout-ready for the merchant.
  • Updated versioning across gateway, Blocks support, and Blocks JS to 2.2.2.
  • Updated Tested up to to WordPress 7.0.1.

2.1.1

  • Added merchant setting to enable or disable the Card / Fiat option on checkout.
  • Updated classic WooCommerce checkout to hide fiat when disabled.
  • Updated WooCommerce Blocks checkout to hide fiat when disabled.
  • Improved payment variant handling when only one mode is enabled.
  • Improved gateway availability logic so Ivno can remain active when only crypto is enabled.
  • Bumped plugin version to 2.1.1.

2.0.0

  • Added new Enabled Cryptocurrencies merchant setting for WooCommerce checkout.
  • Added ability for merchants to hide or show specific cryptocurrency and network combinations.
  • Added server-side validation so disabled crypto options cannot be submitted manually.
  • Updated classic WooCommerce checkout to display only enabled crypto assets.
  • Updated WooCommerce Blocks checkout to display only enabled crypto assets.
  • Improved merchant control for crypto readiness when payout wallets are not yet configured.
  • Bumped stable release to 2.0.0.

1.8.0

  • Added crypto checkout alongside existing card methods.
  • Added support for the following crypto assets and networks:
  • BTC — Bitcoin
  • ETH — Ethereum
  • SOL — Solana
  • LTC — Litecoin
  • XMR — Monero
  • DOGE — Dogecoin
  • ADA — Cardano
  • TRX — Tron
  • USDT — Tron / Ethereum / Polygon / BNB Smart Chain
  • USDC — Polygon / Ethereum / BNB Smart Chain / Arbitrum / Optimism / Solana
  • Added standalone token + network dropdown selection for customers.
  • Added Crypto API Key and Crypto API Secret fields.
  • Added Crypto Webhook Secret support.
  • Added WooCommerce admin order payment metadata support for crypto.
  • Improved merchant resolution between fiat and crypto systems.

1.7.5

  • Added dedicated Webhook Secret support to the WooCommerce gateway settings.
  • Updated webhook verification to use the correct Ivno webhook secret instead of relying on the API secret.
  • Added merchant guidance for copying the Webhook URL and Webhook Secret from the Merchant Dashboard.
  • Improved automatic WooCommerce order status update reliability after successful payments.
  • Improved transport security by enabling stricter outbound SSL verification for API requests.

1.7.4

  • Accept Credit/Debit Cards, Apple Pay, and Google Pay with instant payouts.
  • Added Cart Abandonment Recovery, Checkout, and KYC Discounts.
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