Try Paynote, the easiest way to send and receive bank transfers from clients or vendors. Instant bank verification. Get started today.

Seamless Chex

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.
<h4>Key Features</h4>
<ul>
<li>Secure ACH Payments: Accept U.S. bank payments with Plaid’s robust verification, ensuring every transaction is safe and secure.</li>
<li>Plaid Integration: Built-in Plaid support adds an extra layer of security and trust by verifying customers’ bank accounts.</li>
<li>Streamlined Checkout: Simplify the checkout process and reduce cart abandonment. Customers log in to their bank accounts seamlessly through Plaid’s secure interface.</li>
<li>Automated Payment Management: Automate payment processing and subscription management, eliminating manual tracking.</li>
<li>Recurring Payments & Subscriptions: Set up recurring payments to ensure steady, predictable revenue.</li>
<li>Authorization-Only Capture: Need to charge customers later? Capture their bank details at checkout for future payments – ideal for free trials or deferred billing.</li>
<li>Quick Refunds: Effortlessly process refunds to maintain customer satisfaction.</li>
</ul>
With Paynote, you can improve user experience, boost checkout conversions, and streamline payment management. Start simplifying ACH payments today!
<h4>Setup Instructions</h4>
Setting up the Paynote plugin is quick and easy:
<ol>
<li>Create a Paynote Account: Don’t have an <a href="https://paynote.seamlesschex.com/#/login" rel="nofollow ugc">account</a>? Sign up <a href="https://www.seamlesschex.com/sign-up-paynote" rel="nofollow ugc">here</a>. It’s free, fast, and no credit card is required.</li>
<li>Install the Plugin 
 To install the Paynote plugin on your WooCommerce site:
<ul>
<li>Go to your WooCommerce Dashboard.</li>
<li>Navigate to Plugins > Add New.</li>
<li>Click the Upload Plugin button at the top.</li>
<li>Upload the downloaded Paynote plugin file (.zip).</li>
<li>Click Install Now and then Activate once the installation is complete.</li>
</ul>
</li>
<li>Configure the Plugin
<ul>
<li>After activation, navigate to the Paynote plugin settings within your administrative panel.</li>
<li>Enter your Paynote account details, including API keys, which you can find in your Paynote account under settings in the <a href="https://paynote.seamlesschex.com/#/account/api" rel="nofollow ugc">API tab</a>. Make sure you are using the correct API keys and have selected the appropriate mode (Sandbox or Live).
 </li>
<li>Configure the plugin settings according to your preferences, such as <a href="https://paynote.seamlesschex.com/#/account" rel="nofollow ugc">webhook URL</a>, payment method name, payment frequency, capture auth and payment method description.</li>
<li>For Webhook option (easy integration), in Update Order Statuses, select Weebhook and then go to your <a href="https://paynote.seamlesschex.com/#/account" rel="nofollow ugc">Account Settings</a> in Paynote dashboard -> <a href="https://paynote.seamlesschex.com/#/account/api" rel="nofollow ugc">API tab</a> -> Paste in the ‘Webhook URL’ field and click ‘save’.</li>
<li>You can also turn auto-updates off and do it manually by clicking ‘Update Paynote Status’ within the WooCommerce ‘Orders’ page.</li>
<li>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.”
 </li>
</ul>
</li>
<li>Secret Key
<ul>
<li>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.
 </li>
<li>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.
 </li>
<li>Key Differences:
<ol>
<li>Prefixes: 
 – Sandbox: sk_test_ (secret). 
 – Live: sk_ (secret).
 </li>
<li>Purpose: 
 – Sandbox keys are used for testing and development. 
 – Live keys are used for real operations.
 </li>
<li>Security: 
 – Sandbox keys are used for testing and development. 
 – Sandbox keys are less critical as they only work with test data.
 </li>
<li>Access: 
 – Secret keys must only be used on the server side and should never be exposed to the client.
 </li>
</ol>
</li>
</ul>
</li>
<li>Whitelist Payote IPs and Domains with your security solutions
<ul>
<li>Paynote Domains: <a href="https://api-paynote.seamlesschex.com/" rel="nofollow ugc">https://api-paynote.seamlesschex.com/</a> and <a href="https://paynote-wapi.seamlesschex.com/" rel="nofollow ugc">https://paynote-wapi.seamlesschex.com/</a></li>
<li>Paynote IPs: 54.91.177.147, 35.168.136.199, 52.86.225.5, 52.54.42.180</li>
</ul>
</li>
<li>Enable Paynote as a Payment Method
<ul>
<li>Go to WooCommerce > Settings > Payments.</li>
<li>Enable Paynote as a payment method.</li>
</ul>
</li>
<li>Test the Installation
<ul>
<li>Create a test transaction via Sandbox (test) to ensure the plugin is working correctly.</li>
<li>Check if the transaction appears in your Paynote dashboard and that all notifications are working as expected.</li>
</ul>
</li>
<li>Go Live
<ul>
<li>Once you’ve confirmed everything is working correctly with the test transaction, you can start using Paynote for live transactions.</li>
</ul>
</li>
</ol>
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 <a href="https://paynote.seamlesschex.com/#/login" rel="nofollow ugc">Paynote Dashboard</a>.
<h4>External Services</h4>
The Paynote plugin integrates with Plaid, a trusted leader in bank verification services and a long-standing partner of Paynote.
How It Works:
<ul>
<li>During checkout, customers interact with a secure Plaid iframe to log into their bank account, select their preferred account, and authorize the payment.</li>
<li>Plaid handles all bank account verification and authentication. Paynote does not store any bank account details.</li>
</ul>
For more information, please review <a href="https://plaid.com/legal/#end-user-services-agreement-us" rel="nofollow ugc">Plaid’s End User Services Agreement</a> and <a href="https://plaid.com/legal/#end-user-privacy-policy" rel="nofollow ugc">Privacy Policy</a>.
Enhance your payment suite today with Paynote and experience the simplicity of Plaid-verified ACH payments.

Alternatives to Paynote for WooCommerce – Simplify Plaid-Verified ACH Payments

Top alternatives