Title: Seamless ACH for WooCommerce Author: Seamless Chex Published: 3 decembra, 2024 Last modified: 23 junija, 2026 --- Search plugins ![](https://ps.w.org/paynote/assets/banner-772x250.png?rev=3583057) ![](https://ps.w.org/paynote/assets/icon-256x256.png?rev=3583057) # Seamless ACH for WooCommerce By [Seamless Chex](https://profiles.wordpress.org/seamlesschex/) [Download](https://downloads.wordpress.org/plugin/paynote.2.0.1.zip) * [Details](https://sl.wordpress.org/plugins/paynote/#description) * [Reviews](https://sl.wordpress.org/plugins/paynote/#reviews) * [Installation](https://sl.wordpress.org/plugins/paynote/#installation) * [Development](https://sl.wordpress.org/plugins/paynote/#developers) [Support](https://wordpress.org/support/plugin/paynote/) ## Description Enhance your WooCommerce store with **Seamless ACH** – the ultimate plugin for secure and streamlined Plaid-Verified ACH payments. Seamless ACH integrates seamlessly with WooCommerce and leverages Plaid’s user-friendly bank verification, enabling customers to pay easily using their online banking credentials. #### Key Features * **Secure ACH Payments**: Accept U.S. bank payments with Plaid’s robust verification, ensuring every transaction is safe and secure. * **Plaid Integration**: Built-in Plaid support adds an extra layer of security and trust by verifying customers’ bank accounts. * **Streamlined Checkout**: Simplify the checkout process and reduce cart abandonment. Customers log in to their bank accounts seamlessly through Plaid’s secure interface. * **Automated Payment Management**: Automate payment processing and subscription management, eliminating manual tracking. * **Recurring Payments & Subscriptions**: Set up recurring payments to ensure steady, predictable revenue. * **Authorization-Only Capture**: Need to charge customers later? Capture their bank details at checkout for future payments – ideal for free trials or deferred billing. * **Quick Refunds**: Effortlessly process refunds to maintain customer satisfaction. With Seamless ACH, you can improve user experience, boost checkout conversions, and streamline payment management. Start simplifying ACH payments today! #### Setup Instructions Setting up the Seamless ACH plugin is quick and easy: 1. **Create a Seamless ACH Account:** Don’t have an [account](https://dashboard.seamlesschex.com/ach/)? Sign up [here](https://www.seamlesschex.com/sign-up-seamlessach). It’s free, fast, and no credit card is required. 2. **Install the Plugin** To install the Seamless ACH plugin on your WooCommerce site: 3. * Go to your WooCommerce **Dashboard**. * Navigate to **Plugins > Add New**. * Click the **Upload Plugin** button at the top. * Upload the downloaded Seamless ACH plugin file (.zip). * Click **Install Now** and then **Activate** once the installation is complete. 4. **Configure the Plugin** 5. * After activation, navigate to the Seamless ACH plugin settings within your administrative panel. * Enter your Seamless ACH account details, including API keys, which you can find in your Seamless ACH account under settings in the [API tab](https://dashboard.seamlesschex.com/ach/#/account/api). Make sure you are **using the correct API keys** and have selected the appropriate mode (**Sandbox** or **Live**). * Configure the plugin settings according to your preferences, such as [webhook URL](https://dashboard.seamlesschex.com/ach/#/account), payment method name, payment frequency, capture auth and payment method description. * For Webhook option (**easy integration**), in Update Order Statuses, select Weebhook and then go to your [Account Settings](https://dashboard.seamlesschex.com/ach/#/account) in Seamless ACH dashboard -> [API tab](https://dashboard.seamlesschex.com/ach/#/account/api)- > Paste in the ‘Webhook URL’ field and click ‘save’. * You can also turn auto-updates off and do it manually by clicking ‘Update Seamless ACH Status’ within the WooCommerce ‘Orders’ page. * **Default Order Pending Status:** **ACH In-Process:** -This is a custom Seamless ACH status. When a payment is completed by the customer, it will be set to “ ACH In-Process.” After processing, it will change to either “Failed” or “Paid.”** On-Hold:** -By default, WooCommerce sets all payments to “On-Hold” after initiation. From this status, payments will move to either “Failed” or “Paid.” 6. **Secret Key** 7. * **Sandbox Mode:** – Starts with the prefix **sk_test_**. – Used for testing the API in a sandbox environment. – Allows performing test transactions, creating test data, and simulating various scenarios. – Must be stored securely as it provides access to the API, but only in a test environment. * **Live Mode:** – Starts with the prefix **sk_**. – Used for performing real operations in a production environment. – Provides full access to the API for working with real data and transactions. – Must be handled with extreme caution, as its compromise can lead to data leaks or financial losses. * **Key Differences:** a. **Prefixes:** – Sandbox: **sk_test_** (secret). – Live: **sk_** (secret). b. **Purpose:** – Sandbox keys are used for testing and development. – Live keys are used for real operations. c. **Security:** – Sandbox keys are used for testing and development. – Sandbox keys are less critical as they only work with test data. d. **Access:** – Secret keys must only be used on the server side and should never be exposed to the client. 8. **Whitelist Seamless ACH IPs and Domains with your security solutions** 9. * Seamless ACH Domain: [https://api.seamlesschex.com/ach/](https://api.seamlesschex.com/ach/) * Seamless ACH IPs: 54.91.177.147, 35.168.136.199, 52.86.225.5, 52.54.42.180 10. **Enable Seamless ACH as a Payment Method** 11. * Go to **WooCommerce > Settings > Payments**. * Enable **Seamless ACH** as a payment method. 12. **Test the Installation** 13. * Create a test transaction via **Sandbox (test)** to ensure the plugin is working correctly. * Check if the transaction appears in your Seamless ACH dashboard and that all notifications are working as expected. 14. **Go Live** 15. * Once you’ve confirmed everything is working correctly with the test transaction, you can start using Seamless ACH for live transactions. That’s it! Seamless ACH will now appear as a payment option at checkout. Your WooCommerce store is now ready to accept Seamless ACH ACH payments! All transactions and received payments can be viewed in your [Seamless ACH Dashboard](https://dashboard.seamlesschex.com/ach). #### External Services The Seamless ACH plugin integrates with **Plaid**, a trusted leader in bank verification services and a long-standing partner of Seamless ACH. **How It Works**: * During checkout, customers interact with a secure Plaid iframe to log into their bank account, select their preferred account, and authorize the payment. * Plaid handles all bank account verification and authentication. Seamless ACH ** does not store any bank account details**. For more information, please review [Plaid’s End User Services Agreement](https://plaid.com/legal/#end-user-services-agreement-us) and [Privacy Policy](https://plaid.com/legal/#end-user-privacy-policy). **Enhance your payment suite today with Seamless ACH and experience the simplicity of Plaid-verified ACH payments.** ## Screenshots [⌊Installed Seamless ACH plugin⌉⌊Installed Seamless ACH plugin⌉[ Installed Seamless ACH plugin [⌊General settings⌉⌊General settings⌉[ General settings [⌊Activate additional payment methods with just a few clicks⌉⌊Activate additional payment methods with just a few clicks⌉[ Activate additional payment methods with just a few clicks [⌊New payment method on the checkout page⌉⌊New payment method on the checkout page⌉[ New payment method on the checkout page [⌊Seamless ACH API Secret Keys⌉⌊Seamless ACH API Secret Keys⌉[ Seamless ACH API Secret Keys ## Blocks This plugin provides 1 block. * Wc Paynote Block ## Installation ### **Seamless ACH Plugin Installation Guide**: **Prerequisites** * A **Seamless ACH** [account](https://dashboard.seamlesschex.com/ach/) is required. Create an account [here](https://www.seamlesschex.com/sign-up-seamlessach) if you don’t have one. * Ensure your WordPress version is **4.7 or newer** and updated to the latest version for full compatibility. **Installation Options** **Option 1: Install Directly from WordPress** 1. Go to your **WordPress Admin Dashboard**. 2. Navigate to **Plugins > Add New**. 3. In the search bar, type **“Seamless ACH”**. 4. Locate the Seamless ACH plugin in the search results. 5. Click **Install Now**, and once installed, click **Activate**. **Option 2: Upload the Plugin Manually** If you’ve already downloaded the plugin file: 1. Go to your **WordPress Admin Dashboard**. 2. Navigate to **Plugins > Add New**. 3. Click the Upload Plugin button. 4. Click **Choose File** and upload the downloaded Seamless ACH.zip file 5. Click **Install Now**, and once the installation finishes, click **Activate**. **Verification and Compatibility** * Ensure your WordPress version is compatible (4.7 or higher). * If you encounter any issues, verify your WordPress version and update as needed. **Next Steps** Once installed and activated, you can proceed to configure the Seamless ACH plugin for your site. By following these steps, you’ll seamlessly install and enable the Seamless ACH plugin on your WordPress platform. ## FAQ ### Do I need a US bank account? Yes, a US business checking account is required for all Seamless ACH accounts. ### What documents are required? EIN Letter, Drivers License, Last month’s bank statement, Voided Check. ### When will I get my funds? This is dependent on the [funding speed](https://developers-ach.seamlesschex.com/) enabled on your merchant account. With same-day ACH, you’ll receive funds within 2 business days, and with standard ACH you’ll receive funds within 4 business days. ### How can I process a refund? You can initiate a refund once the transaction is paid. You can cancel a transaction as long as the payment has not yet been exported. The timing of when the payment is exported depends on the funding speed selected (standard or same-day). You can check the _Exported By_ timelines [here](https://developers-ach.seamlesschex.com/). ### How can I cancel a transaction? You can cancel a transaction as long as the payment has not yet been exported. The timing of when the payment is exported depends on the transaction type (debit/credit) and the funding speed selected (standard or same-day). You can check the _Exported By_ timelines [here](https://developers-ach.seamlesschex.com/). RTP credits cannot be cancelled. ## Reviews There are no reviews for this plugin. ## Contributors & Developers “Seamless ACH for WooCommerce” is open source software. The following people have contributed to this plugin. Contributors * [ Seamless Chex ](https://profiles.wordpress.org/seamlesschex/) [Translate “Seamless ACH for WooCommerce” into your language.](https://translate.wordpress.org/projects/wp-plugins/paynote) ### Interested in development? [Browse the code](https://plugins.trac.wordpress.org/browser/paynote/), check out the [SVN repository](https://plugins.svn.wordpress.org/paynote/), or subscribe to the [development log](https://plugins.trac.wordpress.org/log/paynote/) by [RSS](https://plugins.trac.wordpress.org/log/paynote/?limit=100&mode=stop_on_copy&format=rss). ## Changelog #### 2.0.1 * Rebranded from Paynote to Seamless ACH. * Updated plugin name, description, and branding assets. * Updated API endpoint URLs. * Migrated documentation, dashboard and sign-up links to seamlesschex.com. * Automatic migration of the stored API endpoint for existing installations. #### 1.0.0 * Initial stable release. #### 1.1.0 * Added compatibility with **WooCommerce Blocks Checkout** for a seamless checkout experience. #### 1.1.1 * Minor fixes and performance improvements. #### 1.1.2 * Minor fixes and performance improvements. #### 1.1.3 * Implementation of new Plaid functionality. #### 1.1.4 * Added three new statuses: ACH Processing, ACH Declined, ACH On-Hold. * Updated plugin description. * Revised documentation based on recent changes. #### 1.1.5 * Minor fixes in JavaScript and performance improvements. #### 1.1.6 * Minor fixes in JavaScript for IOS. #### 1.1.7 * Integrated email status notifications. * Updated documentation and instructions. * Fixed minor issues. * Improved error response handling. #### 1.1.8 * Minor fixes and performance improvements. #### 1.1.9 * Added support for payment via WooCommerce payment link. #### 1.2.0 * Improved Webhook Management: The plugin now automatically checks whether the webhook is configured correctly and offers a one-click option to set or update it, eliminating the need for manual copying and setup. #### 1.3.1 * Fixed critical error on settings page caused by typographic (curly) quotes in PHP code. * Fixed curly quotes in email template. #### 1.3.0 * Security improvements: added capability checks and nonce verification on AJAX handlers, timing-safe authorization comparison in webhook, JSON input validation. * Fixed undefined variable in webhook error handling. * Fixed class naming to follow WordPress coding standards. * Fixed typo in constant name. * Improved output escaping in settings page. ## Meta * Version **2.0.1** * Last updated **21 ur ago** * Active installations **40+** * WordPress version ** 4.0.3 or higher ** * Tested up to **7.0** * PHP version ** 5.6 or higher ** * Language * [English (US)](https://wordpress.org/plugins/paynote/) * Tags * [ACH](https://sl.wordpress.org/plugins/tags/ach/)[pay](https://sl.wordpress.org/plugins/tags/pay/) [payment](https://sl.wordpress.org/plugins/tags/payment/)[woocommerce payment](https://sl.wordpress.org/plugins/tags/woocommerce-payment/) * [Advanced View](https://sl.wordpress.org/plugins/paynote/advanced/) ## Ratings No reviews have been submitted yet. [Your review](https://wordpress.org/support/plugin/paynote/reviews/#new-post) [See all reviews](https://wordpress.org/support/plugin/paynote/reviews/) ## Contributors * [ Seamless Chex ](https://profiles.wordpress.org/seamlesschex/) ## Support Got something to say? Need help? [View support forum](https://wordpress.org/support/plugin/paynote/)