Payment Options

Direct Bank Transfer (BACS)

Direct Bank Transfer, or Bank Account Clearing System (BACS), is a gateway that require no payment be made online.

Orders using Direct Bank Transfer are set On Hold until payment clears outside of WooCommerce.

You, as the store owner, should confirm that payments have cleared bank accounts before processing orders in WooCommerce. It’s important to verify that you are paid before shipping an order and marking it as Processing or Complete.

For more information, see Managing Orders.

Setup and Configuration

  1. Go to: WooCommerce > Settings > Payments.
    Note: ‘Payments’ formerly called ‘Checkout’ prior to WooCommerce 3.4.
  2. Use the toggle under Enable to select Direct Bank Transfer.
  3. Select Set Up. You are taken to the Direct Bank Transfer settings.
  4. Configure your settings:
    • Enable/Disable – Enable to use. Disable to turn off.
    • Title – Choose the title shown to customers during checkout
    • Description – Add info shown to customers if they choose Direct Bank Transfer
    • Instructions – Explain how to make payment to your bank account(s)
    • Account Details –  Enter account name and number, bank name, routing number, IBAN and/or SWIFT/BIC numbers shown to customers on the Order Received page and in Order emails after checking out
  5. Save changes.

Cash on Delivery

Cash on Delivery (COD) is a payment gateway that required no payment be made online. Orders using Cash on Delivery are set to Processing until payment is made upon delivery of the order by you or your shipping method.

You, as the store owner, need to confirm payment was collected before marking orders Complete in WooCommerce.

For more information, see Managing Orders.

Setup and Configuration

  1. Go to: WooCommerce > Settings > Payments.
    Note: ‘Payments’ formerly called ‘Checkout’ prior to WooCommerce 3.4.
  2. Use the toggle under Enabled to select Cash on Delivery.
  3. Select Set Up. You are taken to the Cash on Delivery settings.
  4. Configure your settings:
    • Enable COD – Enable to use. Disable to turn off.
    • Title – Choose the title shown to customers during checkout
    • Description –Add info shown to customers if they choose Cash on Delivery
    • Instructions – Explain how to pay via Cash on Delivery
    • Enable for shipping methods – Choose which shipping methods and rates will offer Cash on Delivery
    • Accept for virtual orders – Tick box to allow COD for virtual products
  5. Save changes

Stripe

The Stripe payment gateway for WooCommerce lets you accept payments directly onsite, and includes the option to accept Payment Requests (Apple Pay and Google Pay), SEPA, and more international payment methods.

Installation

  1. Go to Plugins on your WordPress site.
  2. Click Activate.

Setup and Configuration

  1. Go to: WooCommerce > Settings > Payments > Stripe.
    Note: ‘Payments’ formerly called ‘Checkout’ prior to WooCommerce 3.4
  2. Tick the Enable Stripe checkbox. Untick to disable.
  3. Enter a Title (required) and Description (optional) seen by the customer during checkout.
  4. Tick the Enable Test Mode checkbox, if you wish to test before going live. Untick to begin accepting payments with Stripe.
  5. Enter your Live Secret Key and Live Publishable Key (obtained from your Stripe account). The Test Secret Key and Test Publishable Key are different and should only be used when Enable Test Mode selected in step 4.
  6. Enter Statement Descriptor, a description that appears on a customer’s bank or credit card statement. This cannot be blank and may be up to 22 characters. The statement description must contain at least one letter, may not include these characters > < " '. In addition, only alpha-numeric characters may be used.
  7. Tick the checkbox to Capture Charge Immediately (Authorize and Capture at the same time) or untick to only Authorize. If you untick the box, you’ll need to capture funds manually for each order within 7 days otherwise the authorization will be canceled alongside the order. See our FAQ for more.
  8. Enable 3D Secure (optional) means to force customers to go through 3D Secure payment process if the payment method supports it.
  9. Enable Stripe Checkout if you prefer a popup to request details and using a checkout image. Please see next section Stripe Checkout to understand how it appears for customers and how this works.
  10. Enable Payment Request Buttons (optional) if you wish to give customers the ability to pay via Apple Pay or Google Pay. For example, this will prompt Apple Pay if using Safari or Chrome Pay if they’re using Chrome browser. The customer will need to be using a supported browser as well as having credit cards saved to their account.
  11. Payment Request Button Type will change the type of the button to show.
    1. Default – “Pay” (default Apple or Google button)
    2. Buy – “Buy Now” (Apple or Google variant)
    3. Donate – “Donate” (Apple or Google variant)
  12. Payment Request Button Theme will change the appearance of the button to show.
  13. Payment Request Button Height will change the height of the button to match your styling preferences.
  14. Saved Cards, if you want to give Stripe customers the ability to use a card saved on their account for future purchases.
  15. Log Debug Messages, if you wish to save logs that can help you/us troubleshoot your site. Can be disabled and enabled as needed.
  16. Save Changes.

Webhooks

Webhooks are a way for Stripe to communicate with your site. It provides information such as the status of the transactions to your WooCommerce site and can even update the order based on that information. We highly recommend for you to set this up on your Stripe dashboard and it is as simple as copying and pasting a simple link. If you go to your WooCommerce Stripe settings page under Stripe Gateway, you will see a generated webhook link.

stripe-webhook-link
stripe webhook setting


Then go to your Stripe Dashboard Webhook Setting and click on “Add Endpoint”. Paste the link into the URL field and click on “Add Endpoint”. You want to choose “Send all event types”.

The same single user account credentials cannot be used to make purchases in both Live Mode and Test Mode.

Stripe Checkout

If you tick the box for Enable Stripe Checkout, more options will appear:

  • Stripe Checkout Image: Enter the URL of a 128×128 px image/logo to be displayed at checkout. Use an image already uploaded to your site or upload one now at Media > Add New.
  • Stripe Checkout Description: Shows a description of your store on Stripe Modal Checkout.

Enabling Stripe Checkout provides a popup instead of the standard payment form (the default setting). A pop-up is used to collect credit card details from the user.

Since version 4.1, the Stripe Checkout (modal popup) flow has changed. It now requires one additional step before the modal popup is shown. This is so that checkout form validation can be done prior to Stripe Checkout engaging.
If enabled, this option shows a “Continue to Payment” button and modal credit card form on a new Pay for Order order-pay page, instead of credit card fields directly on the page. We recommend you leave this disabled and use the embedded form as that is the preferred method. Please note that customers who choose a saved payment method won’t see this page.

For more information about Stripe Checkout, please Stripe’s own information page.

Here is a gif showing the new purchase flow for Stripe Checkout introduced in Stripe 4.1:

Payment Request Buttons

In version 4.0.0 of the Stripe payment gateway extension for WooCommerce, all Payment Request buttons are activated (on your site) at once.

Apple Pay and Google Pay are the most well known, Google Pay is the name for all payment methods which fall under the Google umbrella, including Android Pay, Chrome payments, and Pay with Google. Most official documentation may still refer to “Google Pay” or “Android Pay” but for customers on your site, these are all the same.

To see what a payment request button will look like and how it will behave, go to the Stripe.com Payment Request button documentation page.

Apple Pay

Before you start using Apple Pay, you must accept the Terms of Service in your Stripe dashboard at this link https://dashboard.stripe.com/account/apple_pay

After this, you will then need to add the domain of your site, remove any www or https://.

Note: For the WooCommerce Stripe extension, you do not need to upload the verification file to your site – the extension does this for you in the background. After you’ve added the domain, you can check that the file exists by navigating to example.com/.well-known/apple-developer-merchantid-domain-association – replacing example.com with the domain you entered. The domain will then show on your Apple Pay Stripe page under “On the Web domains”.

Customers will need to have a payment method from a supported bank or payment card provider, please see the Apple Pay support page for more details, along with a compatible Apple device.

Google Pay

Make sure that the Payment Request Buttons option is enabled, there is no other setup for you to accept payments via this method.

Note: the Google Pay button on mobile devices will only show when there is a saved payment card, and with all the permissions (Location optional) allowed for Google Play services.

Customers need to have a payment method from a supported bank or payment card provider. More details at: Google Pay Help.

Additional Payment Methods

Aside from standard credit and debit cards, Stripe comes with additional payment methods that can be used to target different markets. Our extension supports:

  • Alipay
  • Bancontact
  • Giropay
  • iDEAL
  • SEPA Direct Debit
  • SOFORT
  • Przelewy24
  • Multibanco
  • EPS
  • WeChat Pay – coming soon!

For detailed information about these payment methods, please visit Stripe Payment Methods, alternatively Stripe.com has a Payments overview page with a lot of useful information. Most of these additional payment methods need to be enabled under Payment Settings on your Stripe.com Dashboard. Some may require additional information to work.

Once enabled in Stripe, they can then be enabled under WooCommerce > Settings > Payments (note: ‘Payments’ was formerly called ‘Checkout’ prior to WooCommerce 3.4) by clicking the slider icon or by clicking on the payment service name and enabling there. You can also change the title and description for each service.

Customer Usage

Standard Checkout

Customers pay on the checkout page, with version 4 of the extension, the form now uses Stripe Elements which provided enhanced security, styles, and a better customer experience above the standard WooCommerce fields.

Using a new card, they see the option to enter credit card details, and tick the Save to account box if enabled (this screenshot shows the “Inline Credit Card Form” version):

For your regular customers who may have a saved card, they are presented with the stored cards (if that option has been enabled) or they can store a new one (screenshot showing the standard non-Inline form):

When Payment Request Button is enabled, customers see the corresponding button on the product page and on the cart page when using a supported device, browser, and payment method:

Payment Request Buttons

Safari on iPhone:

Safari on a desktop:

Chrome on a desktop:

Saved Payment Methods

On the My Account page, customers can add, view, and remove cards from their account within the Payment Methods submenu:

Source: https://docs.woocommerce.com/document/stripe/

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