=== BNCPay Equipment Financing ===
Contributors: bncpay
Tags: woocommerce, equipment financing, b2b, payment calculator, financing widget
Requires at least: 5.9
Tested up to: 6.7
Stable tag: 1.0.0
Requires PHP: 7.4
WC requires at least: 5.0
WC tested up to: 9.0
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

Add live B2B equipment financing to your WooCommerce store. Business buyers see monthly payment estimates and apply for financing with one click.

== Description ==

**BNCPay Equipment Financing** connects your WooCommerce store to BNC Finance, letting business buyers see live monthly payment estimates and apply for equipment financing without leaving your product page.

= What it does =

* Displays a live payment calculator widget on your WooCommerce product pages
* Business buyers see estimated monthly payments based on the product price
* One-click financing application — pre-filled with the product name and price
* Automatically updates when shoppers select different product variations
* Optional: show the financing widget on the cart and checkout pages

= Who it's for =

Equipment vendors selling to businesses — drones and UAVs, agricultural machinery, construction equipment, restaurant equipment, medical devices, AV/production gear, industrial machinery, and more. Products are typically $5,000+.

= How it works =

1. You apply to become a BNCPay vendor (free) at [bncpay.com](https://bncpay.com)
2. BNCPay sets up your account and provides your Vendor ID
3. Enter your Vendor ID in Settings → BNCPay Financing
4. The financing widget is immediately live on all your product pages

BNCPay is a **technology platform** — you are never the lender. BNC Finance handles all credit decisions and funding. You simply give your business customers the ability to apply.

= Requirements =

* An active BNCPay vendor account. Apply free at [bncpay.com](https://bncpay.com)
* WooCommerce 5.0 or higher
* WordPress 5.9 or higher

== Installation ==

**From the WordPress admin (recommended):**

1. Go to Plugins → Add New Plugin
2. Search for "BNCPay Equipment Financing"
3. Click Install Now, then Activate

**Manual installation:**

1. Download the plugin zip file from [bncpay.com/integrations/woocommerce](https://bncpay.com/integrations/woocommerce)
2. In your WordPress admin, go to Plugins → Add New Plugin → Upload Plugin
3. Upload the zip file and click Install Now, then Activate

**After activation:**

1. Go to Settings → BNCPay Financing
2. Enter your Vendor ID (provided by BNCPay during onboarding)
3. Choose your widget position and optional pages
4. Click Save Settings — the widget is now live

== Frequently Asked Questions ==

= Do I need a BNCPay account? =

Yes. You must be an approved BNCPay vendor to use this plugin. Apply free at [bncpay.com](https://bncpay.com). Once approved, BNCPay will provide your unique Vendor ID.

= Is BNCPay free for vendors? =

Yes. BNCPay is free to install and use. BNCPay earns revenue through funded financing transactions, not vendor fees.

= Does this work with variable products? =

Yes. The widget automatically updates the payment estimate when a shopper selects a product variation (size, model, configuration, etc.).

= Can I show the widget on the cart page too? =

Yes. In Settings → BNCPay Financing, enable "Show financing widget on the cart page." The widget will use the cart subtotal as the financing amount.

= What equipment qualifies for financing? =

Most commercial and industrial equipment qualifies — construction equipment, agricultural machinery, drones, commercial vehicles, restaurant equipment, industrial machinery, and more. Equipment is typically priced at $5,000 or above.

= Do customers need to leave my store to apply? =

No. The financing application opens in a modal or new tab (configured per your BNCPay vendor settings) pre-filled with the product details. Your store page stays open.

= Is my customer's data secure? =

Yes. BNCPay does not store customer payment information. All financing applications are processed securely by BNC Finance.

= How do I get my Vendor ID? =

Your Vendor ID is provided by BNCPay when your vendor account is set up. Email support@bncpay.com if you need it resent.

== Screenshots ==

1. The BNCPay financing widget on a WooCommerce product page — shows live monthly payment estimate and Apply button.
2. Plugin settings page — enter your Vendor ID and choose widget position.
3. Cart page widget — shows financing estimate based on cart subtotal.

== Changelog ==

= 1.0.0 =
* Initial release
* Product page widget with configurable position
* Variable product price sync
* Cart and checkout page widget support
* Minimum price threshold setting
* HPOS (High-Performance Order Storage) compatibility

== Upgrade Notice ==

= 1.0.0 =
Initial release. No upgrade needed.
