Version 1.1.0

Latest Released: January 2025

Google Sign-In Integration
- One-click signup and login with Google OAuth
- Automatic phone number capture for 2FA
- Seamless account creation without passwords
- Traditional email/password option still available
Twilio SMS Integration
- Phone verification code support
- 2FA login code delivery
- Transaction alert notifications
- Automatic phone number formatting (E.164)
Smart Fraud Prevention
- Velocity limits: 3 transactions/day for new accounts
- Amount limits: $500/day for new accounts, $10,000/day after 30 days
- IP address tracking and geographic monitoring
- Disposable email blocking (30+ temp email services blocked)
- Pattern detection for temporary email variants

Professional Banking UX
- Removed all emoji icons and arrow symbols for cleaner look
- Professional terminology ("Send Payment" vs "Send money")
- Refined button labels and action text
- Simplified empty states without gimmicky CTAs
Enhanced Transaction Display
- Shows full sender/recipient names alongside transactions
- Complete date/time stamps on all transactions
- Better context with customer names and business details
- Improved transaction modal with full user information
Fixed Missing Elements
- Added professional footer to signup.php, add-funds.php, send.php
- Fixed header logo on send money page
- Consistent navigation across all pages

KYC Made Optional
- Removed mandatory identity verification requirement
- Rely on Plaid (ACH) and Authorize.Net (CC) for on-ramp verification
- Optional enhanced verification for future high-limit accounts
- Streamlined onboarding for immediate access
Account Tiering System
- New accounts (0-30 days): Limited transactions and amounts
- Established accounts (30+ days): 10x higher limits
- Automatic upgrades based on account age and history
- Clear messaging about limit increases

Version 1.0.0

Initial Release Released: January 2025

User Accounts & Authentication
- Secure account registration with email verification
- Session-based authentication with token management
- Password security: minimum 8 characters, 1 uppercase, 1 number
- Demo account for testing (demo@paygunner.com / Demo1234)
Payment Processing
- Send money to any email address (1.9% fee)
- Receive money from other users (FREE)
- ACH bank deposits (FREE)
- Credit card deposits (3.5% + $0.50)
- Bank withdrawals (FREE - instant to debit card coming soon)
Dashboard & Account Management
- Real-time balance display
- Complete transaction history with filtering
- Quick action buttons for common tasks
- Activity feed showing recent transactions

PHP 8.x backend with MySQL database
RESTful API architecture for transactions
Integration framework for Plaid (ACH), Authorize.Net (CC), and digital payment processors
Modern payment settlement infrastructure
Prepared for GunBroker and WooCommerce integrations

Mobile Apps - Native iOS and Android applications
Merchant Services - Accept payments on your website with our checkout widget
GunBroker Integration - Direct payment processing for GunBroker.com auctions
WooCommerce Plugin - WordPress plugin for online gun stores
Developer API - RESTful API for custom integrations
Request Money - Send payment requests via email
Recurring Payments - Subscriptions and automatic payments
Business Accounts - Advanced features for FFL dealers
Advanced KYC - Tiered verification with automated ID checks
Multi-currency Support - Support for multiple payment types