MicroPayment Platform Plugin for WordPress by CreativeMinds

WordPress MicroPayments Plugin – Point System for Your WordPress Site

CM WordPress MicroPayments is a versatile plugin that creates a WordPress wallet system, addressing various use cases such as points system, virtual currency, loyalty programs and points and rewards solution.
The virtual wallet plugin seamlessly integrates with popular payment solutions like WooCommerce and Easy Digital Downloads, enabling users to effortlessly exchange points for goods, gift points, or purchase points directly with credit cards.
WordPress MicroPayments provides a robust API and multiple shortcodes for convenient access to WordPress user wallet credit system.

WordPress MicroPayments Plugin with Points Management System

Give users one or more WordPress wallet

With our WordPress MicroPayments plugin, you can create a WordPress wallet with any kind of digital currency. You can do regular transactions using MicroPayment or any other virtual currency, building your own loyalty or reward program on your website. You will love our WordPress user wallet credit system features.

You’ll find that the WordPress point system can really come in handy. You can encourage users to engage by letting them earn, spend, and trade points and make payments online using virtual or real currencies. Microtransactions can be bundled into one purchase, which simplifies online purchases and in-site transactions.

This plugin allows your users to purchase virtual currencies or points with real money, and then redeem It back into real money. It’s integrated with Easy Digital Downloads and WooCommerce, and supports PayPal and Stripe payout.

Like our other ones, this code’s open source. We also offer API support and Hooks, which means that this plugin can be used by developers to add point-based features easily to their existing applications or plugins.

How to use the MicroPayments Platform Plugin for WordPress

Once the WordPress MicroPayments plugin and the external payment gateways have been set up, every one of your registered users is given a virtual wallet automatically. There’s also support for multiple wallets.

The users can then load the wallet instantly by buying digital currency using real money. They also can earn points when they complete defined actions.

Once their virtual wallet has a balance, they’re able to spend money from the wallet for transactions in-site, similar to a prepaid credit or debit card. Admins can adjust the conversion rate of points between digital points or currency to real currency in the settings of the MicroPayments Platform Plugin.

This digital currency and wallet solution can be used with the EDD or WooCommerce cart for purchasing virtual or real products.

MicroPayments Points Conversion Table Settings
MicroPayments Points Conversion Table Settings

Easy Digital Downloads Integration

Easy Digital Downloads (EDD) – Integrated closely with EDD< this plugin supports two methods of payment. The first is a payment gateway which allows users to purchase products with digital currency and purchase digital currency using real money.

It’s also possible to reward bonus points to users when they’ve purchased existing EDD and convert the points into discount codes for future purchases or coupons.

Wallet Integration with WooCommerce

WooCommerce – Integration with WooCommerce also supports two methods of payment – a payment gateway where users are able to purchase products using the balance in their virtual wallets and an option to buy digital currency using real money.

The MicroPayments WordPress wallet plugin can be used for granting bonus points anytime a user purchases existing WooCommerce products.

MicroPayment Points Management System

WordPress Points Management – Any kind of in-site transactions and community site are supported by the virtual and points credit management system.

This is ideal for any kind of gamification or rewards program in your e-learning or community platform.

WordPress Wallet Integration

Digital Currency – You can make your own digital currency for your online community or site.

Use a virtual wallet system on WordPress to name set your exchange rates, name your currency, and much more.

Virtual Wallet for MicroPayments Management

Adding Points to User’s Virual Wallet
Adding Points to User’s Virual Wallet
Use CM WordPress MicroPayments Plugin to grant users points or money within your digital currency when they successfully complete an action.

Examples: interacting on social media or posting to an online forum (get this fully integrated function with CM Q&A Forum Plugin).

MicroPayments Transaction Batching

With the MicroPayments plugin, web developers and administrators can batch in-site transactions using a flexible and simple system.

Membership programs can be set up, and points can be automatically added or deducted from the WordPress wallet of a user on a weekly or monthly basis.

Users are able to watch the amount in their virtual wallets grow, they can use it to buy products, or they can gift it to other users.

WordPress Wallet Points Conversion
WordPress Wallet Points Conversion

MicroPayments Plugin Integration with Easy Digital Downloads and WooCommerce

When WooCommerce or EDD is integrated, it allows users to purchase digital goods and physical products using virtual currency. This turns the CM WordPress MicroPayments into a plugin for rewards and points.

WooCommerce and Easy Digital Downloads Support
WooCommerce and Easy Digital Downloads Support
Note: Your users will have to have earned enough points or put enough digital currency in their wallet to complete the purchase.

The rewards and points plugin feature allows users to buy digital currency by way of EDD or WooCommerce payment gateways such as 2Checkout, PayPal, Skrill, Stripe, and a lot of others.

When it’s activated, the plugin adds a new gateway for payment to the WooCommerce or EDD checkout section, which allows users to make purchases using the currency that you’ve defined.

Using the MicroPayments Platform With Other Plugins

The MicroPayment Platform can be used by developers for developing their own solution for virtual payment with any of the plugin features that is exist.

Our plugin has a lot of flexibility already built into it, with a lot of API methods and shortcodes that you can integrate and adapt quickly to unique use cases.

With all of these capabilities and our expert developer team, you can customize the plugin to meet just about any type of user requirement.methods that can be integrated and quickly adapted to unique use cases.

WordPress virtual Wallet Integration With PeepSo – Example
WordPress virtual Wallet Integration With PeepSo – Example

Add MicroPayments to Your Forum

Forum created with CM Answers
Forum created with CM Answers
MicroPayments Platform can be integrated with CM Answers to create a forum and engage a large number of users! You can charge users for posting questions and grant points for answers.

Learn how to charge users virtual points to post questions.

What You Can Do With a WordPress virtual Wallet

  • Process small transactions such as PayPal micropayments
  • Create a uniquely branded loyalty program
  • Build a dedicated rewards portal
  • Gamify an e-learning environment
  • Incentivize engagement on social media or user forums

MicroPayments Plugin Additional Resources

MicroPayments Platform for WordPress Features

Please check the user guide to learn more about this plugin.

Wallet Management

Virtual WordPress Wallet

Virtual WordPress Wallet

Manage website users’ virtual wallets. Admin can add or subtract virtual currency from wallets. Using API or shortcode you can also add or remove points from wallets.

Multiple Wallets

Multiple Wallets

Generate any number of wallets for each user.

Wallet Nicknames


Use easy to remember names for wallets instead of long and difficult Wallet IDs.

Load your Virtual WordPress Wallet

Purchase virtual money with PayPal or with any EDD/WooCommerce supported payment gateway. Once virtual currency is purchased it is added to user virtual WordPress wallet and users can redeem points during their purchases on your WordPress site.

Wallet Management

Wallet Management

Add or subtract currency units from a wallet. This can be done manually for each wallet while leaving a note for each transaction or by uploading a CSV file containing all wallets and amount to be paid or charged.

Guest Users Wallets

Guest Users Wallets

Create wallets for non-registered users.

External Wallet Management with API

External Wallet Management

Control MicroPayment wallets created by external apps. Requires the MicroPayments External API Add-on.


More advanced features include plugin filters that allow you to integrate MicroPayments with your site theme or other plugins and add or subtract virtual currency from user wallets. The API also support connecting to the MicroPayments plugin from mobile apps or external websites.

Points & Currency Management

Virtual Currency

Virtual Currency

Define virtual currency units. Once defining the virtual currency you can define the plural and singular name for the currency and the conversion rate between real money and the virtual currency.

Unlimited Amount of Currency

Unlimited Amount of Currency

Purchase any amount of currency and convert to virtual currency.

Convert Points to Real Money

Convert Points to Real Money

Convert virtual currency to real money using PayPal or Stripe payout. Admin can define the conversion rate. Money will be transferred to user from admin defined account in PayPal or Stripe.

Send Tip

Send Tip

Allow users to send a points tip to other wallets.

Preload Wallet

Automatically earn points or an initial amount of virtual currency when users signup. This is done once a new user signs up or when you initially install the plugin.

Transfer and Top Up Fee

Charge users a flat amount every time they receive, buy or spend points. This deduction will be shown in the log.

Points Management

Points Management

Administrators have full overview and control over all user balances and log entries. Admin can give or take points from any user, any time.

Points Transfer

Points Transfer

Transfer points between users of your website or community by specifying their username and adding a comment.

Convert Points to Discounts

Convert Points to Discounts

Convert virtual currency to an EDD or WooCommerce discount code to then use during checkout. The best way to reward site interactions.

Decimal Support

Decimal Support

Adopt integers (e.g. 2) or decimals and milesimals (e.g. 2.56).

Bonus Points

Users are paid points or virtual currency when purchasing real products. Admin can assign each WooCommerce or EDD product an amount to be paid to user once this product is purchased.

Recurring Deposits or Withdrawals

Add to or subtract from each wallet a specified amount of currency every set number of days (week, month or X days).




MicroPayments offers multiple shortcodes which can be embedded in post or pages. All labels appearing in shortcodes are editable and easy to customize directly from the plugin setting.


Import from a CSV file a list of user-id or emails with an amount to add to each wallet. You can also add negative amounts or override wallet value.

Transactions Report

Show users a report of all transactions they’ve made with their wallet and show their point balance.



This plugin is translatable with multilingual support, including RTL language (right to left) and UTF-8 characters support for translation into a variety of different languages.


Export all wallets to a CSV file with the user email and amount of virtual currency available.


EDD Cart Integration

EDD Cart Integration

Integration with Easy Digital Downloads both as a payment gateway and as a checkout option to purchase virtual points. Users can purchase products using your virtual currency and their wallet. The MicroPayment can also appear as a checkout payment gateway so you can be paid at checkout using virtual currency.



Plugin can fully integrate with PayPal allowing you to use any payment option for currency exchange and other PayPal functionality without the need to use WooCommerce or Easy Digital Downloads.

CoinCodex Integration

CoinCodex Integration

The plugin supports synchronization with a cryptocurrency aggregator CoinCodex. This allows you to adjust the currency to points ratio in WooCommerce according to a specific cryptocurrency – and this value will be constantly updated.

WooCommerce Cart Integration

WooCommerce Cart Integration

Integration with WooCommerce both as a payment gateway and as a checkout option to purchase virtual points. Users can purchase products using your virtual currency and their wallet. The MicroPayment can also appear as a checkout payment gateway so payment can be made at checkout using virtual currency.

Dokan Cart Integration

Dokan Cart Integration

Integration with Dokan both as a payment gateway and as a checkout option to purchase virtual points.

CM Plugins Integrations

Questions and Answers Forum

Questions and Answers Forum

Experience a mobile-responsive discussion forum where members can post questions, answers, and comments, with integrated payment support.

Download and File Manager

Download and File Manager

Download Manager plugin provides a secure file-sharing directory for easy uploading, downloading, and sharing of files, videos, and images.

User Submitted Posts

User Submitted Posts

Empower logged-in WordPress users to submit posts without accessing the admin dashboard, featuring payment and moderation support.

Video Lessons Manager

Video Lessons Manager

Effortlessly manage video lessons with user and admin progress tracking. This feature-rich solution includes payment support, certifications, and quizzes.

Pay Per Post

Pay Per Post

Restrict access to posts or pages on your WordPress site and charge users with various payment options for viewing them.

Group Actions Add-on Features

Multiple Groups

Multiple Groups

Group Actions add-on allows to organize users in multiple groups and manage their wallets in bulk.

Flexible Rules

Flexible Rules

Group Actions add-on allows to periodically add or subtract points from multiple users based on groups and/or roles. You can set the amount of points of the transaction and choose the number of days after which each action should repeat.

WordPress MicroPayments Plugin Plans and Pricing

Price includes 1 year support/updates. Manual renewal with 40% discount, not a subscription $69 $119
Number of Websites / License Activations 13
Virtual Currency IncludedIncluded
Currency Exchange Rates IncludedIncluded
User Wallet Dashboard IncludedIncluded
Points Management IncludedIncluded
Points Transfer IncludedIncluded
Wallet Nicknames IncludedIncluded
Guest Users Wallets IncludedIncluded
Convert Points to Real Money IncludedIncluded
Convert Points to Discounts IncludedIncluded
Shortcodes IncludedIncluded
Sales Reports IncludedIncluded
Export/Import IncludedIncluded
Edit Labels IncludedIncluded
PayPal Integration IncludedIncluded
EDD Integration IncludedIncluded
WooCommerce Integration IncludedIncluded
Dokan Cart Integration IncludedIncluded
CoinCodex Integration IncludedIncluded
CM Questions and Answers Plugin IncludedIncluded
CM Video Lessons Manager Plugin IncludedIncluded
CM Download Manager Plugin IncludedIncluded
CM Pay Per Post Plugin IncludedIncluded
CM User Submitted Posts Plugin IncludedIncluded
CM MicroPayments Group Actions Not includedIncluded
CM MicroPayments External API Add-on Not includedIncluded
CM MicroPayments PeepSo Integration Add-on Not includedIncluded
CM MicroPayments BuddyPress Integration Add-on Not includedIncluded
Product Knowledge Base Included Included
Priority email support Included Included
Product updates Included Included
Number of Websites / License Activations 13
Price includes 1 year support/updates. Manual renewal with 40% discount, not a subscription $69 $119

MicroPayments Platform Image Gallery

Back-end Gallery

MicroPayments Platform Online Demo


MicroPayments Platform Additional Addons

These addons can be installed with the MicroPayments plugin to give additional functionality.

MicroPayments Plugin Integration With Other CreativeMinds Plugins

MicroPayments Plugin Related Use Case Tutorials

MicroPayments Plugin Use Case Examples

  • Web Game Credits – Run an online game and let users earn points according to the levels they complete.
  • Reward/Charge Points – Integrate CM Answers Plugin and Frontend User Submitted Posts Plugin to reward or charge users for posting questions, answers or blog posts.
  • Affiliate Program – Offer an affiliate program and award points to your affiliates, so they can convert the virtual currency to real money.

MicroPayments Platform Frequently Asked Questions

Please check the user guide to learn more about this plugin.

How does the plugin's checkout process take place when charging payments with real money?

CM MicroPayment has a built-in PayPal Express Checkout mechanism that charges payments via your customer’s Paypal account or via credit/debit card. For cases when that isn’t enough, you can easily integrate CM MicroPayment with the Easy Digital Downloads plugin or WooCommerce and have over 100 different payment gateways available for different sets of needs, such as paying by check, by phone, by bank transfer and more.

Will my users be able to exchange points among themselves?

Yes. Using a shortcode you can add an interface which include the option for user to send points to another user. Also in the settings panel, you can determine which actions performed by your users will enable them to gain more points and which will result in a deduction of points, depending on the features available on your site. For example, if you’re integrating Micropayments with CM Downloads manager, users may charge points for downloading a file they uploaded, and use them later for downloading files uploaded by others. This way, a new layer of virtual money is added to your site, allowing users to exchange points and trade virtual goods between them.

Does this Plugin work with WooCommerce?

Yes, we have added WooCommerce integration. Micropayments can use the WooCommerce checkout and can also apply points when WooCommerce purchases are made.

See these documentation articles to learn more:

Woocommerce Integration

WooCommerce Payment Gateway

WooCommerce Discounts

WooCommerce Points for Purchases

Can customers receive payment confirmation emails when they use Micropayments?

Yes, we have included an email notification feature that can send the user an email notifying them when there are various changes to their wallet. These changes notifications can be sent for withdrawals, charges and transfers.
To learn more about this feature see the documentation article about notifications by clicking here.

Can Micropayments support Cryptocurrencies such as Bitcoin?

Currently we haven’t developed any integration for Micropayments to work with any Cryptocurrencies.

Can Micropayments allow me to automatically give my premium users credits each month?

Yes. For this we’d recommend installing the Micropayments group actions Add-on or contacting us for customization. The Add-on allows for chosen user roles or groups of users on your WordPress site to be automatically granted or charged points on a chosen interval. To learn more about how this works check out the product page by clicking here.

Is it possible to use PayPal Payouts with this plugin?

Yes, but it’s important to note that PayPal requires a business account in order for Payouts to go live. Learn more in this guide: CM MicroPayments – PayPal Payout.

Is it possible to use Stripe Payouts with this plugin?

Yes! We also support Stripe payout.

Can this rewards extension work as loyalty rewards system?

Yes! It does work as loyalty rewards system. This virtual point management plugin for wordpress allows the admin to reward the points to the users’ wordpress wallet and users can use those awarded points to their next purchase .

Can users make dynamic points transactions into multi currencies ?

No! This WordPress Plugin does not work as a multi currency switcher but when admin makes a transaction via PayPal, he can choose currency type. This is the only way admin can pay in the multi-currencies .

Can admin restrict how many minimum points users should have in their wallets ?

No, There is no restriction on the minimum points in this virtual currency plugin.

Customer Reviews for the MicroPayments Virtual WordPress Wallet Plugin

Shaun Low, Swords & Stationery
Easy to use
MicroPayments is the plugin to get if you want a no-hassle wallet/virtual currency system that’s super easy to customize. Also, support is fantastic.

We Accept All Major Credit Cards
Accepted payment methods include all Credit Cards and PayPal