# MONEI Payments for WooCommerce <= 7.3.7 - Unauthenticated Insecure Direct Object Reference to Saved Payment Token Use via Checkout

- **ID:** WPSEC-2026-2739
- **Plugin:** MONEI Payments for WooCommerce (`monei`), https://wordpress.org/plugins/monei/
- **Affected versions:** from 4.0.0 before 7.4.0
- **Fixed in:** 7.4.0 (Update to 7.4.0 or later.)
- **Severity:** Medium 5.9 (CVSS:3.1/AV:N/AC:H/PR:N/UI:N/S:U/C:N/I:H/A:N)
- **Weakness:** CWE-639
- **Usage among sites WPSec scans:** plugin Low, affected versions Low (as of 2026-11-08)
- **Attack surface analysis:** https://attacksurface.wpsec.com/plugin/monei
- **Fix released:** 2026-11-07
- **Published:** 2026-11-08
- **URL:** https://wpsec.com/vuln/WPSEC-2026-2739/

## Description

The MONEI Payments for WooCommerce plugin for WordPress is vulnerable to Insecure Direct Object Reference via the checkout payment-token parameter in all versions up to, and including, 7.3.7, due to the plugin loading the saved WooCommerce payment token named by a user-supplied ID and sending its MONEI token with the payment without checking that the token belongs to the current user. This makes it possible for unauthenticated attackers (through guest checkout, which WooCommerce allows by default) and authenticated customers to submit another customer's saved token ID and pay for their own orders with that customer's stored card.

## References

- https://wpsec.com/vuln/WPSEC-2026-2739/
- https://plugins.svn.wordpress.org/monei/tags/7.4.0/
- https://wordpress.org/plugins/monei/

Source: WPSec, https://wpsec.com/vuln/WPSEC-2026-2739/

License: CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). Free to use, share and adapt, also commercially, if you credit WPSec and link to this advisory.