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MicroPayments Virtual Wallet Plugin for WordPress

The multi talented points management plugin, CM MicroPayments lets you quickly setup and customize your own virtual currency, loyalty program, or digital wallet system.

Seamlessly integrated with WooCommerce and Easy Digital Downloads, your users can cash points in for real goods, gift points to another user, purchase points directly with their credit card, and so much more!

The Ultimate WP Virtual Wallet System

The MicroPayments plugin gives you the flexibility to create any virtual currency, rewards, or loyalty program on your WordPress website.

Incentivize engagement by letting users earn, trade, and spend points and make online payments based on real or virtual currencies. Bundle small transactions into a single purchase to simplify in-site transactions and online purchases.

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.

This comprehensive points management system lets users submit online payments using their preferred payment platform such as: WooCommerce, Stripe, PayPal, and other EDD payment platforms.

As always, our code is open source, so developers can use this virtual currency plugin to easily add points based features to their existing plugin or custom applications.

Virtual Wallet Use Cases Include:

Small paymentsProcess small transactions such as PayPal micropayments

Loyalty Program

Create a uniquely branded loyalty program

Build a Portal

Build a dedicated rewards portal

Gamify eLearning

Gamify an e-learning environment

Incentivize Engagement

Incentivize engagement on social media or user forums

Without the need for external payment processing for each individual purchase, the customer online payment process becomes both quicker and easier.

Using the MicroPayment Platform Plugin for WordPress

After setting up the WordPress payment plugin and external payment gateways, every registered user is automatically given their own digital wallet. They can then instantly load their wallet by purchasing virtual currency with real money or earn points by completing defined actions.

Once there is a balance in their digital wallet, users can spend money from their wallet for in-site transactions as if it was a prepaid credit card.

The admin sets the conversion rate between virtual currency or points to real currencies. In this way, the wallet and virtual currency solution can be used with the WooCommerce or Easy Digital Downloads cart system to purchase real or virtual products.

Easy Digital Downloads Integration Easy Digital Downloads (EDD) – Closely integrated with EDD, the plugin supports two payment methods: a payment gateway in which users can purchase products with a digital currency and the ability to purchase digital currency with real money.

You can also reward bonus points to a user when they purchase existing EDD products and convert MicroPayments points into discount codes for coupons or future purchases.

WooCommerce Integration WooCommerce – WooCommerce plugin integration also supports two payment methods: a payment gateway in which users can purchase products with their digital wallet balance and the option to purchase digital currency with real money.

Bonus points may also be rewarded when users purchase existing WooCommerce products.

Points Management System Points Management – The points and virtual credit management system supports any type of community site and in-site monetary or points based transactions.

This is perfect for any type of rewards or gamification program within your community or elearning platform.

Virtual Wallet Integration Virtual Currency – Create a customizable virtual money currency for your site or online community. Use a virtual wallet system to name your own currency, set exchange rates, and more.

Virtual Wallet Management

You can grant users points or money within your virtual currency when they successfully complete an action like interacting on social media or posting to an online forum (get this fully integrated function with CM Q&A Forum Plugin).

Automatically Add Points to a User's Wallet
Automatically Add Points to a User's Wallet

Transaction Batching

The MicroPayments plugin lets administrators and web developers batch in-site transactions in a simple and flexible system.

Points Conversion Table Settings
Points Conversion Table Settings

Set up membership programs and automatically add or deduct points from a user’s virtual wallet every week or month.

Users can watch their electronic wallet grow, spend the balance on digital or physical products, or gift currency to other users.

MicroPayment Integration with Easy Digital Downloads and WooCommerce

Using the Plugin with EDD (Easy Digital Downloads) or WooCommerce lets users purchase physical products and digital goods with your virtual currency or points system.

Note: Users will need to load their wallet with enough virtual currency or have earned sufficient points to complete their desired purchase.

The points management plugin lets users purchase virtual currency via WooCommerce or EDD payment gateways like:

  • PayPal
  • Skrill
  • 2Checkout
  • Stripe
  • and many others
WooCommerce and Easy Digital Downloads Support
WooCommerce and Easy Digital Downloads Support

When activated, this plugin will add a new payment gateway to the EDD or WooCommerce checkout area allowing users to purchase with the virtual currency you have defined.

Using CM MicroPayments Platform With Other Plugins

Developers can use the CM MicroPayment Platform to develop their own virtual payment solution with any of the existing plugin features.

Our WordPress digital currency plugin has immense flexibility built into it, with many shortcodes and API methods that can be integrated and quickly adapted to unique use cases. With these capabilities and our expert team of developers, the plugin can be customized to meet just about any user requirement.

MicroPayment Localization and Supported Languages

Adjusting Plugin Labels

All frontend labels can be easily changed to any language so the user interface will speak your language
Localizing labels in the plugin settings
Localizing labels in the plugin settings

MicroPayment Additional Plugin Resources

MicroPayment Platform for WordPress Features

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

Virtual WalletVirtual Wallet – Admin can 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.
Virtual CurrencyVirtual Currency – Admin can 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.
Wallet ManagementWallet Management – Admin can 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
Transactions ReportTransactions Report – Ability to show users a report of all transactions they’ve made with their wallet and show their point balance.
EDD Cart IntegrationEDD 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.
WooCommerce Cart IntegrationWooCommerce 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.
Load your Virtual WalletLoad your Virtual 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 wallet
Convert Points to Real MoneyConvert 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.
Convert Points to DiscountsConvert 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.
Bonus PointsBonus 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.
Preload WalletPreload 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.
Points ManagmentPoints Managment – Administrators have full overview and control over all user balances and log entries. Admin can give or take points from any user, any time.
Transfer PointsTransfer Points – Transfer points between users of your website or community by specifying their username. The ability to transfer points can be given to users using a shortcode which they can view in thier dashboard.
APIAPI – 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.
MultiSite EnvironmentMultiSite Environment – Share user wallet between multi site installations so they will all use the same wallet for the same username.
ExportExport – Export all wallets to a CSV file with the user email and amount of virtual currency available
ImportImport – 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
Recurring Deposits or WithdrawalsRecurring Deposits or Withdrawals – You can add to or subtract from each wallet a specified amount of currency every set number of days (week, month or X days)

    MicroPayment Platform Image Gallery

    Back-end Gallery

    MicroPayment Platform Online Demo

    2015-12-31_14-21-46This demo shows the usage of a virtual wallet in paying for eLearning material using Pay Per Post plugin together with MicroPayment Plugin

    Go to Demo

    Infographic showing the many ways to use the MicroPayments Plugin

    Infographic showing the many ways to use the MicroPayments Plugin

    MicroPayments Platform Additional Addons

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

    MicroPayments Group Actions
    Support granting or subtracting a fixed amount every defined number of days based on the user role or group. A new tab will be adding to the MicroPayments settings to define which user role or group should have a fix amount added or subtracted every defined amount of days.
    MicroPayments PeepSo Integration
    This AddOn for CM MicroPayment and PeepSo supports adding virtual wallet functionality to a PeepSo social network. A new tab will appear on PeepSo members' profiles to show the user's wallet and transaction history . Admin can define a bonus currency or charge for posting and other PeepSO related actions. The number of points in the Wallet can also be shown next to the username.

    MicroPayments Integration With Other CreativeMinds Plugins

    Questions and Answers Forum
    A powerful WordPress plugin for creating mobile responsive discussion forum that allow members to post questions, answers and comments. Includes advanced admin moderation, access control, social media login, user profiles and user votes for best answer.
    Download and File Manager
    The ultimate WordPress plugin for managing uploads and downloads to your WP site. Allows WordPress users and visitors to preview media files before downloading. Admins can manage member permissions and moderate upload settings.
    Video Lessons Manager
    Manage video lessons & online video courses as well as allow users and admin to track progress. Lets users leave notes and mark their favorite videos within Wordpress. The plugin supports adding a pay-per-view fee for your courses and video webinars.

    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.

    the micropayment settings for easy digital downloads checkout

    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.

    Still have questions? Send us a message and we will reply within 24 hours.



    Version 1.5.3 10th Dec 2018

    • Updated license package
    • Improved settings page UI with CSS

    Version 1.5.2 23rd Nov 2018

    • Bugfix related to edd purchase session

    Version 1.5.1 22nd Nov 2018

    • Add third decimal support to point cost column
    • Fixed wallet name in transactions
    • Removed deprecated functions

    Version 1.5.0 27th Sep 2018

    • Added Stripe payout method
    • New shortcode [cm_wallet_id] was added
    • Added show_wallet_id attribute to [cm_user_wallet] shortcode which allows to display user’s wallet id
    • Added pointlabel attribute to the [cm_user_balance] shortcode
    • Updated “My wallet” page content
    • Improved the [create_wallet_button]
    • Fixed bug in displaying labels description
    • Added point labels

    Version 1.4.23 10th May 2018

    • Fixed the rare bug in the multisite activation

    Version 1.4.22 10th May 2018

      Feature: Added new filter allowing to get the wallet balance by user ID: eg. apply_filters(‘cmmt_get_wallet_points_by_id’, $user_id);

    Version 1.4.21 8th Feb 2018

    • Feature: Added the user selection to the [transfer_wallet_points] shortcode when the user-wallet assignment is enabled

    Version 1.4.20 30th Jan 2018

    • Fixed PHP error with preparing SQL string.
    • Updated licensing library.

    Version 1.4.18 18th Nov 2017

    • Fixed the labels in [transfer_wallet_points] shortcode
    • Removed the Wallet From in the [transfer_wallet_points] shortcode
    • Updated the licensing package

    Version 1.4.16 10th Sep 2017

    • Fixed the problem with the transaction links on the https pages

    Version 1.4.15 25th Aug 2017

    • Added the ability to remove the pending transactions from PayPal history

    Version 1.4.14 18th Aug 2017

    • Fixed the value calculation for [cm_user_balance_value] shortcode

    Version 1.4.13 6th July 2017

    • Added the option to replace the default currency with the points for WooCommerce
    • Added the option to replace the default currency with the points for Easy Digital Downloads
    • Minor bug fixes

    Version 1.4.12 1st July 2017

    • Added the option to remove all wallets
    • Fixed the bug with searching the wallets by user login
    • Added the support for WooCommerce Membership
    • Fixed small bugs

    Version 1.4.11 12th June 2017

    • Small bug fixed

    Version 1.4.10 24th May 2017

    • Fixed bugs with Adding the points

    Version 1.4.9 14th May 2017

    • Added the option to disable anonymous payments
    • Added the support for new AddOn
    • Updated the Licensing Package
    • Added the option for Periodic Cron operations

    Version 1.4.8 6th April 2017

    • Fixed the problem with the function redeclaration

    Version 1.4.7 23rd March 2017

    • Fixed bugs with WooCommerce integration
    • Made some UI improvements in shortcodes layouts

    Version 1.4.6 21st Feb 2017

      Added the option to change the label for the WooCommerce checkout button

    Version 1.4.5 29th December 2016

    • Added support for changing the label of MicroPayment at checkout

    Version 1.4.4 29th December 2016

    • Added the option to import the wallets and grant points
    • Added the option to import the wallets and set amount of points
    • Added the option to export the existing wallets
    • Added the option to charge / earn points automatically every X days

    Version 1.4.1 28th September 2016

    • Fixed JS bug in Wallet dashboard page

    Version 1.4.0 24th August 2016

    • Added the option to disable the built-in PayPal
    • Fixed the bugs on Notification tab in settings
    • Moved the available filters from Installation Guide to Shortcodes tab
    • Fixed small bugs

    Version 1.3.11 23rd August 2016

    • Fixed the bug with the EDD Gateway renaming

    Version 1.3.10 10th August 2016

    • Fixed the problem with the EDD Payment Gateway
    • Fix issues related to MultiSite environment

    Version 1.3.9 2nd Aug 2016

    • Fixed many notices in Points Adding screens when no currency was selected
    • Fixed some bugs in PayPal Payouts
    • Improved the error reporting for PayPal Payouts

    Version 1.3.8 28th July 2016

    • Added the support for virtual currency units in Easy Digital Downloads
    • Added the support for virtual currency units in WooCommerce
    • Improved the support for MultiSite
    • Fixed the bug with the PayPal Payouts
    • Updated platform version

    Version 1.3.7 13th July 2016

    • Added the option to export the wallets list to CSV
    • Added the option to generate the WooCommerce discounts

    Version 1.3.6 22th May 2016

    • Update licensing version and dashboard

    Version 1.3.5 21st April 2016

    • Added the Payment Gateway for WooCommerce
    • Added the shortcode [transfer_wallet_points] allowing to transfer points between wallets
    • Fixed the performance of “Generate Missing Wallets”

    Version 1.3.4 4th April 2016

    • Fixed bug caused by missing function

    Version 1.3.3 20th March 2016

    • Updated licensing api support.

    Version 1.3.2 25th Feb 2016

    • Added automatic updates from plugin dashboard
    • Replaced plugin admin interface including license activation and userguide

    Version 1.3.2 14th Feb 2016

    • Fixed bugs

    Version 1.3.1 15th Dec 2015

    • Added basic support for WooCommerce (ability to buy points with WooCommerce gateways)
    • Fixed ordering of the transactions on the backend
    • Fixed the bug with the points not being added correctly on the PayPal EDD transactions
    • Changed the number of items in Dashboard lists to 10 per page from 5
    • Added the edit links next to the page selects in options

    Version 1.3.0 10th Nov 2015

    • Fixed bug with EDD integration

    Version 1.2.9 5th Oct 2015

    • Fixed bug with output_buffering resulting with [cm_user_wallet] displaying twice
    • Fixed the small bugs in the PayPal Payout functionality

    Version 1.2.8 25th Sep 2015

    • Fixed bug with missing constant
    • Updated the Licensing API
    • Cleaned up the old links in the plugin’s settings, about etc.
    • Added the PayPal Payouts system
    • Added the new options to setup the PayPal Payouts in Settings -> PayPal
    • Added the new shortcode [cm_micropayment_points_to_paypal] allowing users to exchange their points for money

    Version 1.2.7 11th Aug 2015

    • Fixed bugs
    • Improved license module

    Version 1.2.6 11th July 2015

    • Added the support for MultiSite WordPress installation
    • Improved performance

    Version 1.2.5 22nd April 2015

    • Fixed the XSS vulnerability in WordPress add_query_arg() and remove_query_arg() functions
    • Fixed the problem with double wallets being created for the new users

    Version 1.2.4 14th April 2015

    • Added the option to override the Payment Gateways of Easy Digital Downloads
    • Added the e-mail template for e-mails sent after the successfull EDD purchase
    • Fixed some bugs and notices

    Version 1.2.3 17th Mar 2015

    • Add shortcode to show points value in real currency
    • Add shortcode and option to convert MicroPayments points to EDD coupon
    • Add shortcode to show all users converted coupons
    • Add option to earn points on purchasing EDD products

    Version 1.2.2 24th Feb 2015

    • Added support to ajax based transactions and integrate with CM Lessons Manager

    Version 1.2.1 10th Feb 2015

    • Added more support to purchases made using EDD and fix a bug

    Version 1.2.0 30th Jan 2015

    • Fixed warning/bug

    Version 1.1.9 09 Jan 2015

    • Add another email notification and fixed bug regarding added points

    Version 1.1.8 26 Nov 2014

    • Fix bugs with EDD integration

    Version 1.1.5 08 Sep 2014

    • Fix bug in points display
    • Fix bug in EDD integration
    • Fix bug in wallet messages
    • Added option to show username in Wallet list

    Version 1.1.4 05 Sep 2014

    • Added support to use MicroPayments as an EDD payment option (user can now purchase using digital currency
    • Added support within EDD to activate checkout gateway
    • Added new filters

    Version 1.1.3 30th July 2014

    • Fixed bug with changing points from the admin site
    • Added option to set an initial amount of point per user wallets

    Version 1.1.2 20th July 2014

    • Changed Warning Messages

    Version 1.1.1 07th July 2014

    • Added new Filters to support external plugins

    Version 1.1 25th June 2014

    • Integration with Easy Digital Downloads
    • Added Demo plugins

    Plugin First Release 1st June 2014