Autify Digital Ltd

<p>A comprehensive payment gateway integration between WooCommerce and Lloyds Cardnet Payments. Accept payments from customers using Visa, Mastercard, American Express, etc via Hosted Payment page or Payment JS solution. This plugin is specifically designed to work with British Pound (GBP) and Euro (EUR) currencies.</p>
<p><strong>Key Features:</strong><br />
– Multiple payment methods: Hosted Payment Page (HPP), Payment JS, Apple Pay, and Google Pay<br />
– Full tokenization support – customers can securely save cards for future purchases<br />
– WooCommerce Subscriptions compatibility for recurring payments<br />
– Smart 3D Secure authentication with dynamic challenge requirements<br />
– MOTO (Mail Order/Telephone Order) support for admin-initiated transactions<br />
– Advanced fraud prevention with customizable security settings<br />
– Comprehensive webhook support for reliable payment status updates</p>
<h3>Lloyds Bank Cardnet (LBOP) WooCommerce Integration</h3>
<h3>Features</h3>
<p>= Payment Methods =</p>
<p>Multiple Payment Options – Accept all major credit and debit cards (Visa, Mastercard, American Express, etc.)<br />
Digital Wallets – Integrated Apple Pay and Google Pay support<br />
Express Checkout – Display Apple Pay and Google Pay buttons on product, cart, and checkout pages<br />
Redirect Payment – Secure hosted payment page option for PCI compliance<br />
Embedded Payment (Payment.JS) – Seamless checkout with payment form directly on your site</p>
<h4>Advanced Payment Features</h4>
<p>Tokenization – Allow customers to securely save card details for faster future purchases<br />
Subscription Support – Set up recurring payments for subscription-based services<br />
MOTO Payments – Process Mail Order/Telephone Order payments securely from WooCommerce admin<br />
Refund Processing – Handle full and partial refunds directly from your WooCommerce dashboard<br />
International Payments – Configure multiple currencies and selling locations</p>
<h4>Security & Management</h4>
<p>PCI Compliance – Transactions processed by Lloyds Bank Cardnet, not on your server<br />
Secure Payment Handling – All sensitive payment data handled by certified payment processor<br />
Easy Dashboard Management – Monitor transactions and order statuses from WooCommerce<br />
Webhook Support – Real-time payment status updates<br />
REST API Integration – Modern API implementation for reliable performance</p>
<h3>Getting Started</h3>
<p>Ensure you have an active Lloyds Bank Cardnet merchant account<br />
Purchase and download the plugin from Autify Digital<br />
Install the plugin on your WooCommerce site<br />
Configure with your Store ID and Shared Secret<br />
For embedded payments, add REST API credentials<br />
Configure payment methods and options<br />
Test with sandbox credentials<br />
Go live with production credentials</p>
<p>For detailed installation instructions, refer to the documentation provided with your plugin purchase.</p>
<h3>Support</h3>
<p>For technical support, customization requests, or general inquiries:<br />
Email: cardnet@autify.co.uk<br />
Visit: https://www.autify.co.uk</p>
<h3>External Services</h3>
<p>This plugin relies on the following third-party/external services to function. By using this plugin, data may be transmitted to these services as described below. Please review the respective terms and privacy policies.</p>
<h4>1. Lloyds Cardnet Payment Gateway</h4>
<p>Used for processing card payments through the Lloyds Bank Cardnet merchant account.<br />
Data sent: Order details, payment amounts, currency, customer billing/shipping address, and card transaction data. Sent when a customer initiates a payment.</p>
<p>– Service Link: <a href="https://www.lloydsbank.com/business/take-payments-with-cardnet/existing-customers/getting-started.html" rel="nofollow ugc">Lloyds Cardnet</a><br />
– Terms of Use: <a href="https://www.lloydsbank.com/business/product-terms-and-conditions.html" rel="nofollow ugc">Lloyds Cardnet Terms of Service</a><br />
– Privacy Policy: <a href="https://www.lloydsbank.com/business/privacy.html" rel="nofollow ugc">Lloyds Cardnet Privacy Policy</a></p>
<h4>2. First Data / Fiserv Payment Processing (IPG Online)</h4>
<p>Used for processing hosted payment page (redirect) transactions, Payment JS embedded payments, and refunds via the First Data API.<br />
Data sent: Store ID, API credentials, payment amounts, currency, order reference, card tokens, and refund details. Sent when a customer makes a payment, when a session is initialized for embedded payments, or when a merchant processes a refund.</p>
<p>– API Endpoints:<br />
  – Hosted Payment Page (Sandbox): https://test.ipg-online.com/connect/gateway/processing<br />
  – Hosted Payment Page (Production): https://www.ipg-online.com/connect/gateway/processing<br />
  – API (Sandbox): https://cert.api.firstdata.com/<br />
  – API (Production): https://prod.api.firstdata.com/<br />
– Terms of Use: <a href="https://www.fiserv.com/en/about-fiserv/terms-of-use.html" rel="nofollow ugc">Fiserv Terms of Use</a><br />
– Privacy Policy: <a href="https://www.fiserv.com/en/about-fiserv/privacy-notice.html" rel="nofollow ugc">Fiserv Privacy Notice</a></p>
<h4>3. First Data Payment JS Client Library</h4>
<p>A JavaScript library loaded from First Data servers to render the secure embedded payment form (card number, expiry, CVV fields) on the checkout page. The library handles card data directly — no card details pass through your server.<br />
Data sent: Card details are entered directly into the Payment JS iframe and transmitted to First Data. The plugin receives a payment token in return. The library is loaded when the checkout page renders with the embedded payment method enabled.</p>
<p>– JavaScript (Sandbox): https://lib.paymentjs.firstdata.com/uat/client-2.0.0.js<br />
– JavaScript (Production): https://lib.paymentjs.firstdata.com/prod/client-2.0.0.js<br />
– Documentation: <a href="https://docs.paymentjs.firstdata.com/" rel="nofollow ugc">Payment JS Documentation</a><br />
– Terms of Use: <a href="https://www.fiserv.com/en/about-fiserv/terms-of-use.html" rel="nofollow ugc">Fiserv Terms of Use</a><br />
– Privacy Policy: <a href="https://www.fiserv.com/en/about-fiserv/privacy-notice.html" rel="nofollow ugc">Fiserv Privacy Notice</a></p>
<h4>4. Fiserv Checkout Solution</h4>
<p>Used as an alternative checkout integration via the Fiserv eCommerce API for payment processing.<br />
Data sent: Store ID, API credentials, order amounts, currency, and checkout configuration. Sent when a customer initiates a payment using the checkout solution method.</p>
<p>– API (Production): https://prod.emea.api.fiservapps.com/exp/v1/checkouts<br />
– API (Sandbox): https://prod.emea.api.fiservapps.com/sandbox/exp/v1/checkouts<br />
– Terms of Use: <a href="https://www.fiserv.com/en/about-fiserv/terms-of-use.html" rel="nofollow ugc">Fiserv Terms of Use</a><br />
– Privacy Policy: <a href="https://www.fiserv.com/en/about-fiserv/privacy-notice.html" rel="nofollow ugc">Fiserv Privacy Notice</a></p>
<h4>5. Apple Pay</h4>
<p>Used to enable Apple Pay as an express payment method on product, cart, and checkout pages.<br />
Data sent: The merchant identifier, site domain, and display name are sent to Apple during merchant validation when a customer initiates an Apple Pay payment. Payment and shipping data is then processed through the First Data / Fiserv API.</p>
<p>– Service: <a href="https://www.apple.com/apple-pay/" rel="nofollow ugc">Apple Pay</a><br />
– Terms of Use: <a href="https://developer.apple.com/apple-pay/terms/apple-pay-web/" rel="nofollow ugc">Apple Pay Platform Web Merchant Terms</a><br />
– Privacy Policy: <a href="https://www.apple.com/legal/privacy/" rel="nofollow ugc">Apple Privacy Policy</a></p>
<h4>6. Google Pay</h4>
<p>Used to enable Google Pay as an express payment method on product, cart, and checkout pages. A JavaScript library is loaded from Google servers to render the Google Pay button and handle the payment flow.<br />
Data sent: Payment token data (encrypted by Google) and customer shipping/billing details are sent from the Google Pay interface to the plugin, then processed through the First Data / Fiserv API. The Google Pay JS library is loaded when the Google Pay payment method is enabled.</p>
<p>– JavaScript: https://pay.google.com/gp/p/js/pay.js<br />
– Service: <a href="https://pay.google.com/" rel="nofollow ugc">Google Pay</a><br />
– Terms of Use: <a href="https://payments.google.com/payments/apis-secure/get_legal_document?ldo=0&ldt=buyertos" rel="nofollow ugc">Google Pay Terms of Service</a><br />
– Privacy Policy: <a href="https://policies.google.com/privacy" rel="nofollow ugc">Google Privacy Policy</a></p>
<h4>7. Autify Digital License API</h4>
<p>Used to validate and manage the plugin license. The plugin contacts Autify Digital’s license server to verify that the license key is valid and active.<br />
Data sent: License key, plugin version, site domain, admin email, contact name, and activation status. Data is sent when the license is activated, deactivated, or periodically synced.</p>
<p>– Service: <a href="https://autify.co.uk/" rel="nofollow ugc">Autify Digital</a><br />
– API Endpoint: https://plugin-licenses.autify.co.uk/wp-json/autifydigital/v1/plugin<br />
– Terms of Use: <a href="https://www.autify.co.uk/terms-conditions/" rel="nofollow ugc">Autify Digital Terms and Conditions</a><br />
– Privacy Policy: <a href="https://autify.co.uk/privacy-policy/" rel="nofollow ugc">Autify Digital Privacy Policy</a></p>


Autify Digital Ltd Lloyds Cardnet Gateway

A payment gateway integration between WooCommerce and Lloyds Cardnet Payments.

Razorpay

<p>Allows you to accept credit cards, debit cards, netbanking, wallet, and UPI payments in India and FPX, eWallets, Duitnow in Malaysia.</p>
<p>This is the official Razorpay payment gateway plugin for WooCommerce. A system designed to handle end-to-end payments. Accept payments via 100+ payment modes – domestic & international credit & debit cards, EMIs, paylater, net banking, UPI & mobile wallets  including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money and PayZapp  in India, and FPX, Duitnow and eWallets including GrabPay, Touch N Go, Boost in Malaysia, with the WooCommerce plugin.<br />
Get a feature-filled and easy to integrate checkout with cards (Visa, MasterCard, American Express, UnionPay etc) saved across businesses so that customers can pay seamlessly everywhere, both domestic and international. This plugin allows for refunds, works across all browsers, and is compatible with the latest WooCommerce. Boost conversions with international customers paying in their local currency. Keep your data safe with robust security that comes with PCI DSS Level 1 compliance.</p>
<p>This is compatible with WooCommerce>=4.0, including the new 9.0 release. It has been tested up to the 9.1.2 WooCommerce release.</p>
<p>BENEFITS OF USING RAZORPAY</p>
<ul>
<li>
<p>Get started in minutes with seamless onboarding – <a href="https://easy.razorpay.com/onboarding/l1/signup?field=MobileNumber" rel="nofollow ugc">Razorpay registration link</a> via 100% digital KYC for Indian businesses and <a href="https://curlec.com/onboarding/my/" rel="nofollow ugc">easy onboarding</a> for Malaysia businesses</p>
</li>
<li>
<p>Boost customer conversions with superior checkout experience on fast-growing UPI  in India and Duitnow in Malaysia</p>
</li>
<li>
<p>Enjoy industry leading success rate & avoid drop offs with seamless payment flow</p>
</li>
<li>
<p>Razorpay has no setup fees, no monthly fees, no hidden costs: you only get charged when you earn money! Earnings are transferred to your bank account as per settlement cycle.</p>
</li>
<li>
<p>Razorpay supports the WooCommerce Subscriptions extension via <a href="https://razorpay.com/docs/payments/subscriptions/plugins/woocommerce/" rel="nofollow ugc">Razorpay Subscriptions Plugin for WooCommerce</a> and When a customer pays for a subscription item, you can accept recurring payments for the same on your WooCommerce-enabled WordPress site.</p>
</li>
<li>
<p>Razorpay has <a href="https://razorpay.com/docs/payments/payment-gateway/affordability/widget/woocommerce/" rel="nofollow ugc">Affordability Widget</a> to spread awareness about the affordability-based payment options before they reach checkout.  You can integrate Razorpay Affordability Widget with your WooCommerce website to influence your customer’s purchase decisions before they reach checkout by displaying various affordable payment options and offers.</p>
</li>
</ul>
<p>COUNTRIES SUPPORTED<br />
Razorpay is available for Store Owners and Merchants in<br />
– India<br />
– Malaysia</p>
<h3>Dependencies</h3>
<ol>
<li>WordPress v3.9.2 and later</li>
<li>Woocommerce v4.0 and later</li>
<li>PHP v5.6.0 and later</li>
<li>php-curl extension</li>
</ol>
<h3>Configuration</h3>
<ol>
<li>Visit the WooCommerce settings page, and click on the Checkout/Payment Gateways tab.</li>
<li>Click on Razorpay to edit the settings. If you do not see Razorpay in the list at the top of the screen make sure you have activated the plugin in the WordPress Plugin Manager.</li>
<li>Enable the Payment Method, name it Credit Card / Debit Card / Internet Banking (this will show up on the payment page your customer sees), add in your Key id and Key Secret.</li>
<li>The Payment Action should be set to “Authorize and Capture”. If you want to capture payments manually from the Dashboard after manual verification, set it to “Authorize”.</li>
</ol>
<h3>Support</h3>
<p>Visit <a href="https://razorpay.com/support/#request/merchant/technical-assistance" rel="nofollow ugc">razorpay.com</a> for support requests.</p>
<h3>License</h3>
<p>The Razorpay WooCommerce plugin is released under the GPLv2 license, same as that<br />
of WordPress. See the LICENSE file for the complete LICENSE text.</p>


Razorpay for WooCommerce


Really pathetic. Updating plugin to 4.5.4 crashed the website. We've been facing a lot of issues with the Razorpay Woocommerce Subscriptions plugin already because of sloppy and not well-thought after development. Faced bad support experience when trying to resolve that for over 1 month. And now this. Note to Razorpay management: Guys hire at least 1 full-time experienced WordPress developer. One person should be enough to maintain your WordPress plugins.


4.5.4 Crashed the Site


This plugin has caused severe performance issues on my website, drastically slowing down load times. What’s even worse is that I reported this problem to the support team multiple times and received absolutely no response. It’s clear that they either can’t be bothered to address critical issues or simply don’t care about user experience.



If you value your website’s performance and need responsive support, do not install this plugin. It’s shocking that something like this is even allowed to stay on the WordPress repository. I wasted my time, and I strongly urge others to avoid making the same mistake.






Poor Support


Razorpay has transformed our business by enhancing customer engagement and streamlining payments.



Its seamless integration with gateways like PhonePay and Paytm offers customers freedom of choice, reducing checkout friction and lowering cart abandonment. The recurring payments feature simplifies subscription management, boosting renewals and retention.



With PCI compliance and SSL encryption, Razorpay ensures secure transactions, building customer trust. Plus, their responsive support team provides personalized assistance, fostering loyalty and confidence.



If you value simplicity, security, and customer satisfaction, Razorpay is a must-have for your business.


Seamless Payment Integration with Razorpay A Game-Changer CRM for Startups

Start accepting payments in minutes with 100% digital onboarding & feature filled Razorpay payment gateway with the WooCommerce plugin.

Autify Digital Ltd Lloyds Cardnet Gateway vs Razorpay for WooCommerce