[WordPress] 外掛分享： Paynote for WooCommerce – Simplify Plaid-Verified ACH Payments

WordPress 外掛 Paynote for WooCommerce – Simplify Plaid-Verified ACH Payments 的封面圖片。

前言介紹

  • 這款 WordPress 外掛「Paynote for WooCommerce – Simplify Plaid-Verified ACH Payments」是 2024-12-02 上架。
  • 目前有 10 個安裝啟用數。
  • 上一次更新是 2025-04-11，距離現在已有 23 天。
  • 外掛最低要求 WordPress 4.0.3 以上版本才可以安裝。
  • 外掛要求網站主機運作至少需要 PHP 版本 5.6 以上。
  • 尚未有人給過這款外掛評分。
  • 還沒有人在論壇上發問，可能目前使用數不多，還沒有什麼大問題。

外掛協作開發者

seamlesschex |

外掛標籤

ACH | pay | payment | paynote | woocommerce payment |

內容簡介

總結：
PayNote 是一個強大的 WooCommerce 外掛，可讓您簡化線上付款流程，提升結帳體驗，並使用 Plaid 驗證的 ACH 付款方式。這款外掛支援安全地接受美國銀行帳戶付款，提供自動化的付款管理和訂閱管理等功能，讓您的生活更輕鬆。

問題與答案：
1. PayNote 的主要功能有哪些？
- 安全地接受 ACH 付款
- 整合 Plaid 以增加安全性
- 創造簡便流暢的結帳體驗
- 自動化的付款管理
- 可設定定期付款和訂閱
- 支援授權模式付款和退款功能

2. 安裝並設定 PayNote 外掛的步驟是什麼？
- 下載並安裝外掛後，進行簡單且快速的設定
- 在外掛設定選單中輸入 PayNote API 金鑰
- 進入 PayNote 外掛選單下的「一般設定」頁面，填入 WooCommerce 消費者金鑰和 PayNote API 密鑰
- 選取即時模式選項以進行實際付款
- 點選頁面底部的「儲存更改」按鈕，保存設定
- 前往 WooCommerce 設定頁面啟用新的 PayNote 付款方式

3. PayNote 外掛如何與 Plaid 服務整合？
- PayNote 外掛與長期合作夥伴 Plaid 服務整合
- 在結帳過程中，會啟動 Plaid iframe，提示客戶登入選擇的銀行帳戶並完成付款
- Plaid 專門處理銀行帳戶驗證
- PayNote 外掛不儲存任何銀行帳戶資訊。

原文外掛簡介

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:

Create a Paynote Account:Don’t have an account? Sign up here. It’s free, fast, and no credit card is required.
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.

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.”

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:

Prefixes:
– Sandbox: sk_test_ (secret).
– Live: sk_ (secret).

Purpose:
– Sandbox keys are used for testing and development.
– Live keys are used for real operations.

Security:
– Sandbox keys are used for testing and development.
– Sandbox keys are less critical as they only work with test data.

Access:
– Secret keys must only be used on the server side and should never be exposed to the client.

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

Enable Paynote as a Payment Method

Go to WooCommerce > Settings > Payments.
Enable Paynote as a payment method.

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.

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.

各版本下載點

  • 方法一：點下方版本號的連結下載 ZIP 檔案後，登入網站後台左側選單「外掛」的「安裝外掛」，然後選擇上方的「上傳外掛」，把下載回去的 ZIP 外掛打包檔案上傳上去安裝與啟用。
  • 方法二：透過「安裝外掛」的畫面右方搜尋功能，搜尋外掛名稱「Paynote for WooCommerce – Simplify Plaid-Verified ACH Payments」來進行安裝。

（建議使用方法二，確保安裝的版本符合當前運作的 WordPress 環境。

1.0.0 | 1.1.0 | 1.1.1 | 1.1.2 | 1.1.3 | 1.1.4 | 1.1.5 | 1.1.6 | 1.1.7 | 1.1.8 | trunk |

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