COPN Payment Gateway for Nigerian Businesses

COPN stands for CheckoutPay Nigeria. COPN Payment Gateway for Nigerian Businesses is the official extension that connects your online store to CheckoutPay for Nigerian bank-transfer payments.

Install WooCommerce separately; this plugin adds CheckoutPay as a payment method. COPN is operated by CheckoutPay and is not affiliated with WooCommerce or Automattic.

How it works

1. Your customer selects CheckoutPay at checkout and places the order.
2. The plugin creates a payment request on your CheckoutPay business account and shows bank transfer instructions on the order thank-you page (account number, bank name, amount).
3. When CheckoutPay confirms the incoming transfer, the order updates automatically via webhook, or the customer can use Check payment status on the thank-you page.

Who it is for

Store owners in Nigeria who want reliable bank-transfer checkout with virtual account details, fee transparency, and automatic order status updates — without custom code.

Requirements

• WordPress 5.8 or later
• WooCommerce 7.0 or later
• A CheckoutPay merchant account with an API key and an approved website URL

Features

• WooCommerce classic checkout and Cart/Checkout blocks
• HPOS (High-Performance Order Storage) compatible
• Virtual account / bank details on the thank-you page
• Webhook endpoint for automatic order status updates
• Optional mark order completed when payment is approved
• Thank-you page: check payment status and correct paid amount if the customer transferred a different sum
• Test mode for development
• Admin settings: copy webhook URL and website URL, live fee preview from CheckoutPay

This plugin does not add “powered by” links or promotional banners on your storefront. Links to CheckoutPay appear only in the WordPress admin settings screen where you configure API credentials.

Ownership

Developed and maintained by CheckoutPay (check-outpay.com). COPN is the CheckoutPay Nigeria product line for merchant bank-transfer checkout.

External services

This plugin relies on CheckoutPay (operated by CheckoutPay / check-outpay.com), a third-party payment platform in Nigeria. CheckoutPay is required to create bank-transfer payment requests, show virtual account details to customers, confirm payments, and load fee rules for your store. The plugin does not process payments on its own.

Service: CheckoutPay merchant API (default base URL: https://check-outpay.com/api/v1). Merchants may point the API URL setting to another CheckoutPay-hosted endpoint if instructed by CheckoutPay support.

What data is sent and when

Data is sent only after you save your API URL and API Key in WooCommerce → Settings → Payments → CheckoutPay.

• When a customer completes checkout — order amount, currency, customer name, WooCommerce order reference, your store website URL, and webhook URL (to create a payment request and receive bank details).
• When a customer checks payment status on the order thank-you page — order reference and amount (to query payment status).
• When a customer updates the paid amount on the thank-you page — order reference and corrected amount.
• When a store admin refreshes charges in plugin settings — your store website URL (to load fee rules configured in CheckoutPay).
• On each API request — your merchant API key in the X-API-Key header.

CheckoutPay may also send data to your site when a payment is approved: a server-to-server webhook POST to the webhook URL shown in plugin settings (order reference, payment status, and related payment metadata).

Terms of service and privacy policy

CheckoutPay is provided by CheckoutPay. By using this plugin you are also subject to CheckoutPay’s policies:

• Terms of service: https://check-outpay.com/terms-and-conditions
• Privacy policy: https://check-outpay.com/privacy-policy
• Service website: https://check-outpay.com/