內容簡介
MIA, Bank Card & StarCard Payment Gateway for VictoriaBank (Community Edition) 是一款專為摩爾多瓦商家設計的 WooCommerce 外掛，允許商家透過單一外掛接受所有 VictoriaBank 的支付方式，提升交易便利性。
【主要功能】
• 支援 MIA 即時支付及多種信用卡支付方式
• 動態 QR 碼生成，便於即時支付
• 兩階段交易流程，確保支付安全
• 自動狀態輪詢，確保訂單狀態即時更新
• 支援全額及部分退款功能
• 兼容 WooCommerce 高效能訂單儲存
外掛標籤
開發者團隊
② 後台搜尋「MIA, Bank Card & StarCard Payment Gateway for VictoriaBank (Community Edition)」→ 直接安裝（推薦）
原文外掛簡介
MIA, Bank Card & StarCard Payment Gateway for VictoriaBank (Community Edition) is a comprehensive WooCommerce plugin that enables Moldovan merchants to accept all VictoriaBank payment methods through a single plugin.
This is a community-developed plugin and is not officially affiliated with or endorsed by VictoriaBank.
Supported Payment Methods
MIA Instant Payment – QR-code based instant payments via Moldova’s MIA system
Visa / Mastercard – International card payments via VictoriaBank e-Gateway with RSA SHA-256 digital signatures
StarCard Installments – Pay in installments (3, 6, 12, or 24 months) with VictoriaBank StarCard
StarCard Loyalty Points – Pay with accumulated StarCard loyalty points
Key Features
4 payment methods in a single plugin – one installation, complete coverage
RSA SHA-256 digital signatures (P_SIGN) for secure e-Gateway communication
Two-phase transaction flow (TRTYPE=0 authorization + TRTYPE=21 completion) for card payments
Dynamic QR codes with configurable TTL for MIA payments
Mobile deeplink support (mia://pay) for seamless mobile MIA payments
Automatic status polling (TRTYPE=90) every 3 minutes as callback fallback
Full and partial refunds – TRTYPE=24 for card payments; full or partial refund for MIA (MIA API 2.1)
WooCommerce Cart & Checkout Blocks – all four methods work in both the block-based and the classic checkout
JWT webhook verification (RS256) for MIA payment notifications
Token caching for MIA API calls (reduces API calls by 98%)
HPOS compatible – Full support for WooCommerce High-Performance Order Storage
WooCommerce Action Scheduler support for reliable background polling
WC_Logger integration – card payment logs at WooCommerce > Status > Logs
Payment Flows
Card Payments (Visa/MC, StarCard):
Customer selects payment method at checkout
Plugin generates TRTYPE=0 parameters with P_SIGN digital signature
Customer is redirected to VictoriaBank secure payment page
Bank sends callback with authorization result
Plugin automatically executes TRTYPE=21 (Sales Completion)
Order is marked as paid
MIA Instant Payment:
Customer selects MIA at checkout
Dynamic QR code is generated via VictoriaBank API
Customer scans QR code or uses mobile deeplink
Payment is confirmed via JWT webhook or AJAX polling
Order status updates automatically
Requirements
WordPress 6.0 or higher
WooCommerce 7.0 or higher
PHP 8.0 or higher (required for RSA cryptographic operations)
PHP OpenSSL extension
Active VictoriaBank merchant account with API credentials
HTTPS enabled on your website
Configuration
After installation, configure each payment method at WooCommerce > Settings > Payments:
For MIA Instant Payment:
* API credentials (username, password)
* Merchant IBAN
* VictoriaBank public key (VBCA.crt) for JWT verification
* QR code expiry time
For Visa/Mastercard, StarCard methods:
* Terminal ID (8 digits) and Merchant ID (15 digits) from VictoriaBank
* Your own RSA key pair, generated by you before configuration (see FAQ below) — paste your private key and VictoriaBank’s public key (.pem) for callback verification
* Register callback URL with VictoriaBank: https://yoursite.com/?wc-api=vb_callback
Technical Details
MIA API Endpoints
Authentication: POST /identity/token
QR Creation: POST /api/v1/qr
Full refund: DELETE /api/v1/transaction/{id}
Partial refund: DELETE /api/v1/transaction/{id}/partial-refund (body: {"amount":
Base URLs
Test Environment: https://test-ipspj.victoriabank.md
Production: https://ips-api-pj.vb.md
Security
JWT token authentication
Token caching with automatic expiry
HTTPS required (enforced by API)
Nonce verification for AJAX requests
Input sanitization and validation
No sensitive data logged (passwords masked)
Compatibility
WordPress 6.0+
WooCommerce 7.0 – 11.1
PHP 8.0+
Tested with latest WordPress and WooCommerce versions
Third-Party Services
This plugin connects to VictoriaBank’s payment APIs:
e-Gateway (card payments): https://ecomt.victoriabank.md (test) / https://vb059.vb.md (production)
MIA IPS API (instant payments): https://test-ipspj.victoriabank.md (test) / https://ips-api-pj.vb.md (production)
By using this plugin, you agree to VictoriaBank’s terms of service and privacy policy: https://victoriabank.md
Privacy Policy
This plugin does not collect, store, or transmit any personal data outside of what is necessary for payment processing through VictoriaBank’s APIs. All payment data is transmitted securely via HTTPS.
Credits
Developed and maintained by an independent developer for the WooCommerce and Moldovan e-commerce community.
Source code: https://github.com/inginerit/MIA-Payment-Gateway-for-VictoriaBank
