Plugin: paynote (Used by 10 domains)

Enhance your WooCommerce store with Paynote – the ultimate plugin for secure and streamlined Plaid-Verified ACH payments.

Paynote 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 Paynote, you can improve user experience, boost checkout conversions, and streamline payment management. Start simplifying ACH payments today!

Setup Instructions

Setting up the Paynote plugin is quick and easy:

1. Create a Paynote Account:
   Don’t have an account? Sign up here. It’s free, fast, and no credit card is required.
2. Install the Plugin
   To install the Paynote plugin on your WooCommerce site:
   • Go to your WooCommerce Dashboard.
   • Navigate to Plugins > Add New.
   • Click the Upload Plugin button at the top.
   • Upload the downloaded Paynote plugin file (.zip).
   • Click Install Now and then Activate once the installation is complete.
3. Configure the Plugin
   • After activation, navigate to the Paynote plugin settings within your administrative panel.
   • Enter your Paynote account details, including API keys, which you can find in your Paynote account under settings in the API tab. 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, 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 in Paynote dashboard -> API tab -> Paste in the ‘Webhook URL’ field and click ‘save’.
   • You can also turn auto-updates off and do it manually by clicking ‘Update Paynote Status’ within the WooCommerce ‘Orders’ page.
   • Default Order Pending Status:
     ACH In-Process:
     -This is a custom Paynote 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.”
4. Secret Key
   • 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:
     1. Prefixes:
        – Sandbox: sk_test_ (secret).
        – Live: sk_ (secret).
     2. Purpose:
        – Sandbox keys are used for testing and development.
        – Live keys are used for real operations.
     3. Security:
        – Sandbox keys are used for testing and development.
        – Sandbox keys are less critical as they only work with test data.
     4. Access:
        – Secret keys must only be used on the server side and should never be exposed to the client.
5. Whitelist Payote IPs and Domains with your security solutions
   • Paynote Domains: https://api-paynote.seamlesschex.com/ and https://paynote-wapi.seamlesschex.com/
   • Paynote IPs: 54.91.177.147, 35.168.136.199, 52.86.225.5, 52.54.42.180
6. Enable Paynote as a Payment Method
   • Go to WooCommerce > Settings > Payments.
   • Enable Paynote as a payment method.
7. Test the Installation
   • Create a test transaction via Sandbox (test) to ensure the plugin is working correctly.
   • Check if the transaction appears in your Paynote dashboard and that all notifications are working as expected.
8. Go Live
   • Once you’ve confirmed everything is working correctly with the test transaction, you can start using Paynote for live transactions.

That’s it! Paynote will now appear as a payment option at checkout.

Your WooCommerce store is now ready to accept Paynote ACH payments! All transactions and received payments can be viewed in your Paynote Dashboard.

External Services

The Paynote plugin integrates with Plaid, a trusted leader in bank verification services and a long-standing partner of Paynote.

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. Paynote does not store any bank account details.

For more information, please review Plaid’s End User Services Agreement and Privacy Policy.

Enhance your payment suite today with Paynote and experience the simplicity of Plaid-verified ACH payments.