內容簡介
BANKpay+ 是一款專為 WooCommerce 設計的外掛，讓您的商店能夠接受即時的 SEPA 銀行轉帳，結算時間僅需 7 秒。透過此安全便捷的支付方式，您可以降低手續費並提升客戶滿意度。
【主要功能】
• 7 秒結算時間，快速獲得資金
• 手續費低至 0.5%，節省高達 70%
• 無可退回交易風險，轉帳不可逆
• 支援 3000 多家歐洲銀行
• 符合 EU 法規，保障交易安全
• 一鍵重複支付，提升顧客回購率
外掛標籤
開發者團隊
② 後台搜尋「BANKpay+ Instant Bank Payments for WooCommerce (EUR)」→ 直接安裝（推薦）
📦 歷史版本下載
原文外掛簡介
🚀 Transform Your Payment Processing with Instant SEPA Bank Transfers
BANKpay+ for WooCommerce enables your store to accept instant SEPA bank transfers with settlement in just 7 seconds. No card fees, no chargebacks, just instant bank-to-bank payments.
Accept instant SEPA payments via BANKpay+ Real-time bank transfers with 7-second settlement directly into your bank account. A secure and convenient payment method that boosts conversions and customer satisfaction.
🎯 Key Benefits
⚡ 7-Second Settlement – Get your money instantly, not in days
💰 Up to 70% Lower Fees – Save thousands compared to card processors
🛡️ Zero Chargebacks – Bank transfers are final and irreversible
🏦 3000+ Banks Supported – Works with all major European banking institutions
✅ EU Regulation Compliant – Late Payment Directive, PSD2, GDPR
🤖 AI Invoice Processing – Auto-extract payment details and send smart reminders
📱 Mobile-First Experience – Optimized for smartphone banking apps
🔄 One-Click Repeat Payments – Returning customers pay with a single tap
💡 Why Choose BANKpay+ Over Card Payments?
💰 Save Money
Credit card fees: 1.5-3.5% per transaction
BANKpay+ fees: Starting at 0.5% (save up to €2,500/month on €100k revenue)
No monthly fees, no setup costs – free for the first 30 days!
⚡ Get Paid Instantly
Settlement time: 7 seconds (vs. 2-7 days with cards) directly into your bank account.
Same-day access to your money
Improved cash flow management
🛡️ Zero Chargeback Risk
Bank transfers are final and irreversible
No fraudulent chargebacks
No chargeback fees (typically €15-25 each)
😊 Better Customer Experience
No card details required
Works with all European banks (3000+ institutions)
Mobile-first payment flow
One-click payments for returning customers
👥 Who Should Use This?
Perfect for:
💼 B2B businesses needing compliance with EU Late Payment Directive
🏪 Online stores serving European customers
📦 High-volume merchants wanting to reduce payment processing costs
📈 Subscription businesses needing reliable recurring payments
🏛️ Professional services (lawyers, accountants, consultants)
💰 Merchants tired of chargebacks and fraud
⚡ Businesses needing instant access to funds for better cash flow
🚀 Features
💸 Payment Processing
⚡ Instant Settlement – Money in your account within 7 seconds
💰 Low Fees – Significantly lower than card processing fees (starting at 0.5%)
🛡️ No Chargebacks – Bank transfers are final and secure
🌍 EU Coverage – Accept payments from customers across Europe
↩️ Refunds – Process refunds directly from WooCommerce
✓ IBAN Validation – Real-time validation with MOD-97 checksum (70+ countries)
🔄 Returning Customers – One-click payment with saved bank selection
🏛️ Compliance & Professional Features
💼 Professional Payment Workflows – Maintain compliance and professionalism
📅 Payment Terms Management – Track due dates and automate follow-ups
📊 Audit Trail – Complete payment history for regulatory compliance
⚙️ Admin Experience
📊 Analytics Dashboard – Comprehensive payment analytics with Chart.js visualizations
📋 Transaction Management – View all BANKpay+ payments in dedicated admin panel
📈 Payment Dashboard – Real-time statistics (today, week, month, all-time)
📉 Performance Metrics – Success rates, volume trends, and processing times
🏦 Bank Analytics – Top performing banks with usage statistics
💾 CSV Export – Download analytics data for external analysis
🔍 Order Details – Payment information displayed on order edit screen
📱 WordPress Dashboard Widget – Quick overview of payment activity
🔎 Search & Filter – Find transactions by status, customer, or order number
🔒 Security & Reliability
🔐 Bank-Grade Security – Webhook signature verification and HMAC authentication
🚦 Rate Limiting – Automatic protection against webhook abuse
🔁 Replay Protection – Timestamp validation prevents duplicate processing
🛡️ CSRF Protection – All admin actions protected with capability checks
🔒 Security Headers – CSP, HSTS, X-Frame-Options, and more
👨💻 Developer Friendly
🧪 Test Mode – Sandbox environment for testing
⚡ HPOS Compatible – Full support for High-Performance Order Storage
✅ WordPress Standards – Follows WordPress and WooCommerce coding standards
🔌 Extensible – Hooks and filters for customization
🔗 REST API – Public endpoint for IBAN validation
📋 Requirements
✅ WooCommerce 8.0 or higher
✅ PHP 8.0 or higher
✅ WordPress 6.0 or higher
✅ BANKpay+ merchant account (Sign up here)
⚙️ How It Works
🛒 Customer selects BANKpay+ at checkout
🏦 Customer is redirected to select their bank
📱 Customer authorizes payment in their banking app
⚡ Payment is confirmed and settled instantly
✅ Customer is returned to your store
🚀 Get Started in 5 Minutes
📥 Install – Download from WordPress.org or search in your admin panel
✅ Activate – Click “Activate” in your plugins list
🔗 Connect – Run the setup wizard (WooCommerce → Settings → Payments → BANKpay+)
🧪 Test – Place a test order to verify everything works
🎉 Go Live – Switch from test mode to live mode
💡 Easy Setup: Our guided setup wizard walks you through every step. No technical knowledge required!
Translations
BANKpay+ for WooCommerce is fully translated and available in 6 languages:
English (en_US) – Default, 100% complete
German (de_DE) – Deutsch, 100% complete (~98 strings)
Italian (it_IT) – Italiano, 100% complete (~98 strings)
Portuguese (pt_PT) – Português, 100% complete (~98 strings)
Spanish (es_ES) – Español, 100% complete (~98 strings)
Greek (el) – Ελληνικά, 100% complete (~98 strings)
Contributing Translations
We welcome translation contributions! You can contribute in two ways:
Via WordPress.org (recommended)
Visit: https://translate.wordpress.org/projects/wp-plugins/bankpay-open-banking-sepa-payments-for-woocommerce/
Translations submitted via GlotPress are automatically included in language packs.
Via GitHub
Fork the repository, translate the PO files in the languages/ directory, and submit a pull request.
See languages/README.md for detailed translation guidelines.
Translation Credits
German: BANKpay+ Team (based on BANKpay+ application translations)
Italian: BANKpay+ Team (professional translation)
Portuguese: BANKpay+ Team (professional translation)
Spanish: BANKpay+ Team (professional translation)
Greek: BANKpay+ Team (professional translation for compliance market)
Thank you to all translators for making BANKpay+ accessible to users across Europe!
For Translators
Total strings to translate: 309
– PHP strings: ~271 (admin interface, settings, error messages)
– JavaScript strings: ~38 (customer-facing UI, validation feedback)
Key terminology:
– “Instant Bank Transfer” → “SEPA-Sofortüberweisung” (DE)
– “Settlement” → “Abwicklung” (DE)
– “Bank-grade security” → “Bank-Level Sicherheit” (DE)
For complete translation guidelines, glossary, and context notes, see:
languages/README.md in the plugin directory
For Developers
BANKpay+ is built with developers in mind, featuring extensive hooks, filters, and well-documented APIs for customization and integration.
Architecture
Design Patterns:
Dependency Injection Container
Repository Pattern for order operations
Observer Pattern for webhook events
Strategy Pattern for payment flows
Key Components:
WC_Gateway_BANKpay_Plus – Main gateway class extending WC_Payment_Gateway
BANKpay_Plus_API – RESTful API client with retry logic
BANKpay_Plus_Webhook – Webhook handler with signature verification
BANKpay_Plus_Analytics – Payment metrics and reporting
BANKpay_Plus_IBAN_Validator – MOD-97 validation with 70+ country support
API Integration
Authentication:
Authorization: Bearer {access_token}
X-API-Key: {api_key}
X-HMAC-Signature: {hmac_sha256}
Create Checkout Session:
POST /api/checkout/create
{
"amount": 100.00,
"currency": "EUR",
"reference": "Order #123",
"return_url": "https://yourstore.com/checkout/thank-you",
"webhook_url": "https://yourstore.com/?wc-api=wc_gateway_bankpay_plus"
}
Webhook Payload:
POST /?wc-api=wc_gateway_bankpay_plus
{
"event": "checkout.completed",
"checkout_id": "chk_123",
"payment_id": "pay_456",
"status": "completed",
"timestamp": "2025-01-26T15:30:00Z"
}
Hooks & Filters
Actions (Execution Points):
bankpay_plus_payment_initiated – Fires when payment initiates
bankpay_plus_payment_complete – Fires when payment completes
bankpay_plus_payment_failed – Fires when payment fails
bankpay_plus_refund_completed – Fires when refund processes
bankpay_plus_webhook_received – Fires on webhook receipt
bankpay_plus_webhook_verified – Fires after signature verification
bankpay_plus_webhook_failed – Fires on webhook error
bankpay_plus_analytics_event – Fires on analytics tracking
Filters (Data Modification):
bankpay_plus_gateway_title – Customize payment method title
bankpay_plus_gateway_description – Customize checkout description
bankpay_plus_payment_button_text – Customize payment button text
bankpay_plus_checkout_data – Modify checkout session data
bankpay_plus_api_endpoint – Change API endpoint URL
bankpay_plus_api_timeout – Adjust API request timeout (default: 30s)
bankpay_plus_iban_valid – Override IBAN validation result
bankpay_plus_bank_list_cache_ttl – Adjust bank list cache (default: 24h)
bankpay_plus_webhook_rate_limit – Adjust webhook rate limit (default: 50/min)
bankpay_plus_verify_webhook_signature – Toggle signature verification
Code Examples
Example 1: Custom Payment Completion Logic
add_action('bankpay_plus_payment_complete', 'my_custom_payment_handler', 10, 2);
function my_custom_payment_handler($order_id, $payment_data) {
$order = wc_get_order($order_id);
// Send custom confirmation email
wp_mail(
$order->get_billing_email(),
'Payment Confirmed - Instant Delivery',
'Your payment was processed in 7 seconds!'
);
// Trigger fulfillment webhook
wp_remote_post('https://warehouse.example.com/fulfill', [
'body' => json_encode([
'order_id' => $order_id,
'payment_method' => 'bankpay_instant'
])
]);
}
Example 2: Customize Gateway Title
add_filter('bankpay_plus_gateway_title', 'custom_gateway_title', 10, 2);
function custom_gateway_title($title, $order_id) {
return $title . ' (Money in 7 seconds)';
}
Example 3: Validate Custom Business Rules
add_filter('bankpay_plus_checkout_data', 'add_business_rules', 10, 2);
function add_business_rules($data, $order) {
// Add custom validation for high-value orders
if ($order->get_total() > 1000) {
$data['require_phone_verification'] = true;
}
// Add custom metadata
$data['merchant_reference'] = get_option('custom_order_prefix') . $order->get_id();
return $data;
}
Example 4: Track Conversions in Analytics
add_action('woocommerce_thankyou', 'track_bankpay_conversion', 10, 1);
function track_bankpay_conversion($order_id) {
$order = wc_get_order($order_id);
if ($order->get_payment_method() === 'bankpay_plus') {
do_action('my_analytics_track', [
'event' => 'instant_payment_completed',
'value' => $order->get_total(),
'settlement_time' => '7_seconds'
]);
}
}
REST API Endpoints
IBAN Validation:
POST /wp-json/bankpay-plus/v1/validate-iban
{
"iban": "DE89370400440532013000"
}
Response:
{
"valid": true,
"country": "DE",
"bank_code": "37040044",
"checksum_valid": true,
"formatted": "DE89 3704 0044 0532 0130 00"
}
Rate Limiting: 10 requests per minute per IP address
Caching: Validation results cached for 30 days
Algorithm: MOD-97 checksum validation for 70+ countries
Database Schema
Analytics Table: {$wpdb->prefix}bankpay_plus_analytics
CREATE TABLE wp_bankpay_plus_analytics (
event_id BIGINT AUTO_INCREMENT PRIMARY KEY,
order_id BIGINT NOT NULL,
checkout_uuid VARCHAR(100),
event_type VARCHAR(50) NOT NULL,
event_timestamp DATETIME NOT NULL,
order_total DECIMAL(10,2),
currency VARCHAR(3),
customer_email VARCHAR(100),
bank_connector_id INT,
bank_name VARCHAR(255),
processing_time_ms INT,
is_returning_customer TINYINT(1),
user_agent_hash VARCHAR(64),
INDEX idx_order_id (order_id),
INDEX idx_event_type (event_type),
INDEX idx_event_timestamp (event_timestamp)
);
Testing
PHPUnit Test Suite:
cd wp-plugin/bankpay-plus-woocommerce
composer install
./vendor/bin/phpunit --testsuite unit
./vendor/bin/phpunit --testsuite integration
Code Quality:
composer phpcs # Check WordPress coding standards
composer phpcbf # Auto-fix coding standards
composer phpstan # Static analysis (level 8)
Makefile Commands:
make test-all # Run all tests
make lint # Check coding standards
make format # Auto-fix code style
make phpstan # Static analysis
Security Considerations
Webhook Signature Verification:
Automatic HMAC SHA-256 verification ensures webhook authenticity. Invalid signatures are rejected with HTTP 403.
Rate Limiting:
Webhooks: 50 requests/minute per IP
IBAN validation: 10 requests/minute per IP
Automatic blocking with exponential backoff
Data Protection:
All input sanitized with sanitize_text_field(), sanitize_url()
All output escaped with esc_html(), esc_url(), esc_attr()
No sensitive data in logs (automatic redaction)
GDPR compliant (SHA-256 hashing for personal data)
Documentation
In Plugin Directory:
README.md – Quick start and overview
DEVELOPER_GUIDE.md – Architecture and contribution guidelines
API_INTEGRATION_GUIDE.md – Step-by-step API integration
TESTING_GUIDE.md – Unit, integration, and E2E testing
WARP.md – AI assistant integration guide
Online Resources:
GitHub: https://github.com/k42/WooCommerce
API Docs: https://docs.bankpay.plus/api
Support: https://wordpress.org/support/plugin/bankpay-open-banking-sepa-payments-for-woocommerce/
Contributing
We welcome contributions! Please see CONTRIBUTING.md in the plugin directory for:
Code style guidelines (WordPress + WooCommerce standards)
Testing requirements (PHPUnit coverage)
Pull request process
Security disclosure policy
Found a bug? Report it on the WordPress.org support forum
