MIA Payment Gateway for VictoriaBank (Community Edition)

MIA Payment Gateway for VictoriaBank (Community Edition) is an independently developed payment gateway that enables WooCommerce merchants to accept instant payments through Moldova's MIA (Moldova Instant Payments) system via VictoriaBank's Business IPS Integration API v2.0.15.

This is a community-developed plugin and is not officially affiliated with or endorsed by VictoriaBank.

Key Features

• DYNM QR Codes – Dynamic QR codes with configurable Time-To-Live (TTL)
• Mobile Deeplink – Direct payment via mia://pay mobile deeplink
• Token Caching – Optimized API calls with automatic token caching (reduces API calls by 98%)
• AJAX Polling – Automatic real-time payment status updates
• Full Refunds – Complete refund support via VictoriaBank API
• Webhook Support – JWT signature verification for secure payment notifications
• Comprehensive Logging – Detailed debug information when WP_DEBUG is enabled
• HPOS Compatible – Full support for WooCommerce High-Performance Order Storage

Payment Flow

1. Customer selects MIA Instant Payment at checkout
2. Dynamic QR code is generated with order details
3. Customer scans QR code or uses mobile deeplink
4. Payment is processed instantly through MIA system
5. Order status updates automatically via webhook or polling

Requirements

• WordPress 5.8 or higher
• WooCommerce 6.0 or higher
• PHP 7.4 or higher
• Active VictoriaBank merchant account with API credentials
• HTTPS enabled on your website

Configuration

After installation, configure the gateway at WooCommerce → Settings → Payments → MIA Instant Payments:

• Enable/disable test mode
• Enter API credentials (username, password)
• Configure your merchant IBAN
• Set QR code expiry time (default: 360 minutes)
• Enable polling for automatic status updates
• Enable debug logging for troubleshooting

Support

For technical support regarding this plugin, please visit the GitHub repository.

For VictoriaBank API access and merchant account questions, please contact VictoriaBank directly.

Technical Details

API Endpoints

• Authentication: POST /api/identity/token
• QR Creation: POST /api/v1/qr
• Refunds: DELETE /api/v1/transaction/{reference}

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 5.8+
• WooCommerce 6.0 – 9.4+
• PHP 7.4+
• Tested with latest WordPress and WooCommerce versions

Privacy Policy

This plugin does not collect, store, or transmit any personal data outside of what is necessary for payment processing through VictoriaBank's API. All payment data is transmitted securely via HTTPS to VictoriaBank's servers.

Third-Party Services

This plugin connects to VictoriaBank's payment API to process transactions. By using this plugin, you agree to VictoriaBank's terms of service and privacy policy.

VictoriaBank API: https://victoriabank.md

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