Field	Notes
Enable	toggle exposure on the withdrawal method radio
Mode	`sandbox` for testing / `live` for production
Sandbox Client ID	from your sandbox app
Sandbox Secret	from your sandbox app
Live Client ID	from your live app
Live Secret	from your live app
Currency	base currency for payouts (must match PayPal account)
Sender batch prefix	e.g. `WK-WDRW-` (helps reconcile)
Email subject (to recipient)	from PayPal — overrideable
Webhook URL	shown read-only — copy into PayPal app webhooks

3. Register webhook in PayPal

In your PayPal app:

Scroll to Webhooks
Add the webhook URL the plugin shows (/wp-json/wkwc_wallet/v1/paypal_webhook)
Subscribe to events:
- PAYMENT.PAYOUTS-ITEM.SUCCEEDED
- PAYMENT.PAYOUTS-ITEM.FAILED
- PAYMENT.PAYOUTS-ITEM.REFUNDED
- PAYMENT.PAYOUTS-ITEM.RETURNED
- PAYMENT.PAYOUTS-ITEM.UNCLAIMED

PayPal POSTs to that URL on each event → plugin updates the matching withdrawal status.

4. Test in sandbox

Use sandbox credentials + Mode = sandbox
Approve a test withdrawal via admin
Confirm webhook arrives → status flips approved → paid
Switch to live keys when ready

5. Save

Click Save changes.

Sandbox vs Live

Mode	Use for	Customer email
`sandbox`	dev / staging	sandbox personal accounts (in developer dashboard)
`live`	production	real PayPal email

Mode mismatch

Sandbox creds with live mode (or vice versa) → "Authentication failed (invalid_client)". Plugin guards against the mistake by validating the token endpoint on save.

Sender Balance Required

PayPal Payouts withdraw from your PayPal Business balance. Top up your PayPal account before approving large withdrawals — failure mode is INSUFFICIENT_FUNDS.

Stripe

What you need

Stripe account with Connect enabled
Your Connect platform application live
API secret keys (test + live)

Step-by-step Setup

1. Plugin fields

Field	Notes
Enable	toggle exposure on withdrawal method radio
Mode	`test` for staging / `live` for production
Test Secret Key	`sk_test_...`
Live Secret Key	`sk_live_...`
Currency	base currency (sent in lower-case to Stripe)
Description prefix	for the Stripe transfer description
Auto-fetch onboarding link	when ON, generates onboarding URL when needed

2. Customer Connect account

The plugin needs the customer's acct_xxx ID to know where to send. Two ways:

A. Auto-fetch onboarding (recommended)

Enable the toggle. When a customer requests their first Stripe withdrawal:

Plugin creates an Express Connect account
Saves the account ID
Generates a Stripe-hosted onboarding URL
Redirects customer to complete onboarding

Future withdrawals just work.

B. Bring-your-own

If you collect Stripe Connect IDs via another plugin (Dokan / WCFM / custom), set user meta _wkwp_stripe_account_id from that plugin's hook. Wallet plugin reads from the same key.

3. Webhooks (optional)

Transfers are immediate so webhooks aren't strictly needed. Optionally subscribe to:

transfer.created
transfer.failed
transfer.reversed

Webhook URL shown in plugin settings. Set the signing secret on the same tab.

4. Test in test mode

Use test keys + Mode = test
Onboard a Stripe test connected account
Approve a test withdrawal
Confirm Stripe transfer ID appears on the withdrawal row
Switch to live keys when ready

5. Save

Click Save changes.

Currency Conversion

Plugin auto-converts to Stripe's smallest currency unit:

Currency	Multiplier
USD, EUR, GBP, INR, etc.	× 100 (cents / paise)
JPY, KRW, VND	× 1 (zero-decimal)
BHD, KWD, OMR	× 1000 (three-decimal)

Override via filter for unusual currencies.

Verify Both

Set up PayPal sandbox and Stripe test
Enable both methods in Withdrawal Settings
As test customer → submit 100 withdrawal via PayPal → admin approves → confirm sandbox PayPal account credited
Repeat for Stripe → confirm test transfer in Stripe dashboard
Switch all to live mode

Common Combos

Goal	Setup
PayPal-only store	PayPal live, Stripe disabled
Stripe-only store	Stripe live, PayPal disabled
Both options	Both live, customer picks at withdrawal
Bank-only fallback	Both disabled — admin manually transfers off-platform

Reconciliation

Both providers tag transfers with the withdrawal row ID. Easy to reconcile per row in your accounting.

PayPal: search dashboard for WK-WDRW- prefix (or your custom prefix).

Stripe: transfer ID tr_xxx is searchable.

Troubleshooting

PayPal

Problem	Fix
`Authentication failed (invalid_client)`	Sandbox creds in live mode, or vice versa
`RECEIVER_UNREGISTERED`	Customer has no PayPal account at that email
`INSUFFICIENT_FUNDS`	Your PayPal Business balance too low
Webhook never fires	URL not registered in PayPal app, OR firewall blocking PayPal IPs

Stripe

Problem	Fix
`account_invalid`	Customer's Stripe account closed; reject + refund
`transfers_not_allowed`	Connect onboarding incomplete; resend onboarding link
`balance_insufficient`	Top up your platform Stripe balance
`currency_mismatch`	Customer's Stripe profile currency ≠ payout currency