In order to accept payments by debit or credit cards, you need to sign a contract for virtual POS terminal with one of BORICA partners:

1. Sign in to your WordPress site as an administrator
2. From your WordPress dashboard go to Plugins > Add New
3. Search for BORICA Payments
4. Click on 'Install Now' button to install BORICA Payments
5. Activate the plugin by clicking on 'Activate Plugin'
6. Once the plugin is activated it is visible under menu Installed Plugins

Your virtual POS may operate in BGN, EUR or USD according to the contract with your bank. Select respective currency in “Currency options” from WooCommerce > Settings > General tab


In WooCommerce > Settings > Payments tab mark needed checkboxes and fill in the fields. Make sure the parameters are correct:

Enable/Disable:	When checkbox is marked, BORICA Payments is enabled
Debugging:	When checkbox is marked, BORICA Payments is in debug mode
Test Mode:	When checkbox is marked, BORICA Payments works in test environment
BACKREF:	Merchant URL for posting authorization result. Send this URL to your bank/BORICA
Terminal Identifier (TID):	ID of the terminal, provided by your bank/BORICA
Merchant Identifier (MID):	Your Merchant ID, provided by your bank/BORICA
Merchant name:	Your customers will see this in their statement to identify the payment

Save changes.

To generate Private Key and Certificate Signing Request (CSR) for test and production environments, you could use Private Key and Certificate Request Generation link in the Help section of the Plugin. After filling the form, press "GENERATE AND DOWNLOAD” button. Please note that the keys for test and production environments are different and must be loaded accordingly. It is recommended to protect the Private Key for production environment with a password.
It is important not to share the Private Key with anyone and store it securely.

These options allow you to customize the behavior and appearance of the BORICA Payments plugin within WooCommerce.

Recurring Payments allow merchants to automatically charge customers a fixed amount at regular intervals (for example, monthly subscriptions, memberships, or installment plans). The feature is managed by BORICA’s secure payment gateway using the EMV 3-D Secure protocol.

Once the customer completes an initial authenticated payment, and consents with recurring plan creation, BORICA’s gateway (APGW) generates and securely stores a token linked to the card. All subsequent payments are automatically executed by BORICA’s system according to the predefined schedule — without requiring the customer to approve subsequent payments or to involve the merchant.

Recurring Payments are available for merchants whose contracts with the Acquiring Institutions explicitly include this functionality.

Specific settings for Recurring Plan:

Setting plans for your products – Once a Recurring Plan is created, you might assign it to specific products. A Recurring Plan could be assigned to multiple products, and one product could have more than one Recurring Plan assigned. If a recurring Plan is not assigned to any product, it is configured, but not in use.

• Open your product for editing in the WordPress Admin panel.
• In the Product Data section, locate the Recurring Payments field.
• From the dropdown list, select the desired Recurring Plan you previously created.
• Click Update to save your changes.

When a customer purchases a product that uses a Recurring Payment Plan, BORICA payment gateway automatically handles both the initial payment and the scheduling of future recurring charges.

1. Initial Payment – The customer completes the first payment through the BORICA payment page. This transaction amount is determined by the product price and the parameters defined in the selected recurring plan.
2. Recurring Scheduling – Once the initial payment is successfully authorized, BORICA’s system automatically creates a recurring payment schedule according to the plan settings (frequency, duration, and payment day). Each subsequent charge is processed automatically by BORICA without requiring further customer input.

Example:
If the product price is 120 EUR and the selected recurring plan is monthly for one year, the system divides the total amount into 12 equal monthly payments of 10 EUR.
The first payment (10 EUR) is processed immediately, and the remaining 11 payments are scheduled — one per month — until the plan expires.

If the price of the product is not divisible into equal subsequent payments, information of the number and sum of payments is visualized on the confirmation page.

In the WordPress order details, you can find information about the initial payment that created the recurring plan.
Refunds are available only for the first transaction of the plan.
If a refund is processed before the next scheduled payment, the recurring plan is automatically closed.

All subsequent recurring payments are executed automatically by BORICA’s payment gateway and can be monitored in the Merchant Portal.

In the Merchant Portal, you can view detailed information such as:

• Payment amount and currency
• Frequency and duration of the plan
• Current plan status
• Next and last payment dates

The merchant can manually close the plan at any time by clicking Close button.

A recurring plan can be closed in the following cases:

• Automatically, when its validity period expires
.
• Manually, via the Close button in the Merchant Portal.
• Automatically, if the virtual POS terminal is deactivated.
• Automatically, upon receiving specific response codes from the issuer (e.g. invalid or expired card).
• By customer request, initiated from the user’s account in your online store (if you provide such an option to the customers).