Autify Digital

<p>Connect your WooCommerce store to Lloyds Bank Cardnet with this secure payment gateway plugin. Offer your customers a reliable and seamless way to pay using Visa, Mastercard, American Express, and digital wallets directly from your online store, with real-time processing and flexible configuration options to suit your business needs.</p>
<h4>What is Lloyds Bank Cardnet?</h4>
<p>Lloyds Bank Cardnet is a secure payment solution that enables businesses to accept a variety of payment methods, including credit and debit cards, Apple Pay, and Google Pay, through their WooCommerce store. This integration seamlessly enhances transaction efficiency and improves customer experience by offering a smooth, uninterrupted payment journey.</p>
<h4>How the Plugin Works</h4>
<p>The Lloyds Cardnet Gateway plugin for WooCommerce enables your customers to pay securely using their preferred payment method at checkout. Choose between an embedded payment form (Payment.JS) directly on your checkout page or a redirect to the secure Lloyds hosted payment page. Once the transaction is authorised, the payment is confirmed in real time through webhook integration, and order statuses are updated automatically.</p>
<p>From your WooCommerce admin panel, you have complete control over the payment experience. Configure payment methods, manage tokenised cards, process refunds, and monitor all transactions through the built-in reporting dashboard. The plugin supports recurring payments for subscription-based products, MOTO transactions for phone/email orders, and express checkout with Apple Pay and Google Pay on product, cart, and checkout pages.</p>
<h4>When to Use This Plugin</h4>
<p>This plugin is ideal for any WooCommerce merchant who needs to accept card payments through Lloyds Bank Cardnet. Whether you run an online retail store, offer subscription services, or need to process phone orders, the Lloyds Cardnet Gateway provides a secure, PCI-compliant payment solution that integrates directly into your WooCommerce checkout flow.</p>
<h4>Features</h4>
<ul>
<li><strong>Embedded Payment (Payment.JS)</strong> — Seamless checkout with a secure payment form directly on your site using iframes. Card data is handled entirely by Lloyds — never touches your server.</li>
<li><strong>Hosted Payment Page (HPP)</strong> — Redirect customers to the secure Lloyds hosted payment page for PCI compliance with minimal integration effort.</li>
<li><strong>Apple Pay Support</strong> — Allow customers to pay quickly using Apple Pay on compatible devices and browsers for a fast, native payment experience.</li>
<li><strong>Google Pay Support</strong> — Accept payments via Google Pay for a frictionless checkout experience across Android and Chrome.</li>
<li><strong>Express Checkout</strong> — Display Apple Pay and Google Pay buttons on product, cart, and checkout pages, allowing customers to skip the standard checkout process.</li>
<li><strong>Card Tokenisation</strong> — Allow customers to securely save card details for faster future purchases. Card data is never stored on your server.</li>
<li><strong>Subscription Support</strong> — Set up recurring payments for subscription-based services with automatic renewal processing via card payments.</li>
<li><strong>MOTO Payments</strong> — Process Mail Order/Telephone Order payments securely from the WooCommerce admin panel.</li>
<li><strong>Refund Management</strong> — Process full or partial refunds directly from the WooCommerce order page with automatic gateway integration.</li>
<li><strong>3D Secure 2 (3DS2)</strong> — Smart authentication with dynamic challenge requirements supporting Strong Customer Authentication (SCA) under PSD2 regulations.</li>
<li><strong>Transaction Reporting</strong> — Comprehensive reporting dashboard with advanced filtering, CSV export, and traffic light verification status indicators.</li>
<li><strong>Real-Time Processing</strong> — Instant payment confirmations and status updates via webhook integration.</li>
<li><strong>Sandbox/Test Mode</strong> — Test transactions without processing real payments using Lloyds sandbox credentials.</li>
<li><strong>Multi-Currency Support</strong> — Configure multiple currencies and selling locations based on your merchant account capabilities.</li>
<li><strong>WooCommerce Blocks</strong> — Support for both classic and block-based checkout.</li>
<li><strong>HPOS Compatible</strong> — Full support for WooCommerce High-Performance Order Storage.</li>
<li><strong>Dedicated Customer Support</strong> — Reliable installation and post-integration support from Autify Digital.</li>
</ul>
<h4>Security & Compliance</h4>
<p>The Lloyds Cardnet Gateway plugin uses embedded payment forms and hosted payment pages to ensure the highest level of security for your business and your customers. All sensitive payment information, including credit and debit card details, is handled directly by Lloyds Bank Cardnet’s PCI DSS Level 1 certified infrastructure — never on your WordPress server.</p>
<p>This approach means that no customer payment data is entered into, processed by, or stored on your server at any point during the transaction. Your server only receives non-sensitive transaction confirmation data via secure webhook notifications, such as the payment status and reference number. As a result, this integration supports <strong>PCI DSS SAQ A compliance</strong>, significantly reducing your compliance obligations and security risks.</p>
<p>All API communications are encrypted via HTTPS/TLS. The plugin supports 3D Secure 2 authentication for Strong Customer Authentication (SCA) compliance under PSD2 regulations.</p>
<p>Businesses are responsible for ensuring they are compliant with any necessary financial regulations when using Lloyds Bank Cardnet.</p>
<h4>Account & Pricing</h4>
<p>A separate Lloyds Bank Cardnet merchant account is required to use this plugin. The account must be set up directly with Lloyds before installing and configuring the plugin — it is not created during the plugin installation process.</p>
<p>To apply for a Lloyds account, visit: <a href="https://www.lloydsbank.com/business/take-payments-with-cardnet.html" rel="nofollow ugc">Lloyds Bank Cardnet</a></p>
<p>Additional fees apply for payment processing services provided by Lloyds. These fees are separate from the cost of this plugin and are determined by Lloyds based on your business requirements and transaction volumes. For detailed pricing information, please visit the Lloyds website or contact their sales team directly.</p>
<h3>Support</h3>
<p>For technical support, customization requests, or general inquiries:<br />
Email: cardnet@autify.co.uk<br />
Helpdesk: https://support.autify.co.uk/<br />
Visit: https://www.autify.co.uk</p>
<p>If you find this plugin useful, please <a href="https://wordpress.org/support/plugin/autifydigital-lloyds-cardnet/reviews/#new-post" rel="ugc">leave a review on WordPress.org</a> — it helps us a lot!</p>
<p>Please note, Autify Digital cannot assist with the Lloyds account setup process or pricing enquiries. For account-related questions, please contact Lloyds directly through their website.</p>
<p><strong>Additional requirements:</strong></p>
<ul>
<li>For embedded payments (Payment.JS): REST API Key and API Secret from the Developer Portal, linked to your Store ID by Lloyds Bank.</li>
<li>For Apple Pay: An Apple Developer account with a configured Apple Pay merchant identifier and certificates.</li>
<li>For Google Pay: A Google Pay merchant account (for production use).</li>
</ul>
<h4>Customise Your Integration</h4>
<p>Looking for something more specific? Get in touch to discuss any custom features or tailored configurations that might enhance your Lloyds Cardnet Gateway integration for WooCommerce. Contact us via cardnet@autify.co.uk.</p>
<h4>Trademark</h4>
<p>Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.= Support =</p>
<p>For technical support, customisation requests, or general inquiries:</p>
<ul>
<li>Email: cardnet@autify.co.uk</li>
<li>Visit: <a href="https://www.autify.co.uk" rel="nofollow ugc">autify.co.uk</a></li>
</ul>
<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

Accept card, Apple Pay and Google Pay payments on WooCommerce via Lloyds Bank Cardnet, with tokenisation, subscriptions and reporting.

Automattic

WooCommerce

royho

WooThemes

Boro Sitnikovski

Akeda Bagus

Matt Cohen

<p>Changing consumer behavior has resulted in an explosion of payment methods and experiences, which are great for increasing conversion and lowering costs—but can be difficult for businesses to maintain. Give customers a best-in-class checkout experience while you remain focused on your core business. This is the official plugin created by Stripe and WooCommerce.</p>
<h4>Drive 11.9% in revenue with an optimized checkout experience from Stripe</h4>
<p>The enhanced checkout experience from Stripe can help customers:</p>
<ul>
<li><strong>Boost conversion:</strong> Provide an optimal experience across mobile, tablet, and desktop with a responsive checkout, and offer 23 payment methods, including <a href="https://stripe.com/payments/link" rel="nofollow ugc">Link</a>, <a href="https://woocommerce.com/apple-pay/" rel="nofollow ugc">Apple Pay</a>, and <a href="https://www.google.com/payments/solutions/" rel="nofollow ugc">Google Pay</a>, out of the box.</li>
<li><strong>Expand your customer base:</strong> Convert customers who might otherwise abandon their cart with buy now, pay later methods like Klarna, Affirm, and Afterpay/Clearpay, wallets like Apple Pay, Google Pay, Alipay, and WeChat Pay, and local payment methods such as Bancontact in Europe and Alipay in Asia Pacific. Deliver a localized payment experience with out-of-the-box support for localized error messages, right-to-left languages, and automatic adjustment of input fields based on payment method and country.</li>
<li><strong>Meet existing customer demand and localize the experience:</strong> Offer <a href="https://stripe.com/guides/payment-methods-guide" rel="nofollow ugc">local payment methods</a>, such as ACH Direct Debit, Bacs Direct Debit, Bancontact, BECS Direct Debit, BLIK, Boleto, Cash App Pay, EPS, iDEAL, Multibanco, OXXO, Pre-authorized debit payments, Przelewy 24, and SEPA Direct Debit, and let customers pay in their local currency across 150+ countries with <a href="https://support.stripe.com/questions/adaptive-pricing" rel="nofollow ugc">Adaptive Pricing</a>.</li>
<li><strong>Fight fraud:</strong> Detect and prevent fraud with <a href="https://stripe.com/radar" rel="nofollow ugc">Stripe Radar</a>, which offers seamlessly integrated, powerful fraud-detection tools that use machine learning to detect and flag potentially fraudulent transactions.</li>
<li><strong>Accept in-person payments for products and services:</strong> Use the Stripe Terminal M2 card reader or get started with no additional hardware using Tap to Pay on iPhone, or Tap to Pay on Android.</li>
<li><strong>Support subscriptions:</strong> Support recurring payments with various payment methods via <a href="https://woocommerce.com/products/woocommerce-subscriptions/" rel="nofollow ugc">WooCommerce Subscriptions</a>.</li>
<li><strong>Manage cash flow:</strong> Get paid within minutes with Stripe Instant Payouts, if eligible.</li>
<li><strong>Achieve <a href="https://docs.stripe.com/security" rel="nofollow ugc">PCI-DSS</a> compliance with <a href="https://stripe.com/payments/elements" rel="nofollow ugc">Stripe Elements</a> hosted input fields.</strong></li>
<li>Support Strong Customer Authentication (SCA).</li>
</ul>
<p>Stripe is available for store owners and merchants in <a href="https://stripe.com/global" rel="nofollow ugc">46 countries worldwide</a>, with more to come.</p>
<h3>Compatibility Notes</h3>
<p>The following items note specific versions that include important changes, features, or deprecations.</p>
<ul>
<li>10.8.0
<ul>
<li>Optimized Checkout Suite enabled by default for eligible existing stores</li>
<li>Adaptive Pricing enabled by default for eligible existing stores</li>
<li>Removed deprecated code and constants from 10.2.0 and before – <a href="https://github.com/woocommerce/woocommerce-gateway-stripe/pull/5294" rel="nofollow ugc">Full list – PR #5294</a></li>
</ul>
</li>
<li>10.7.0
<ul>
<li>Optimized Checkout Suite re-enabled by default for new installs</li>
<li>Adaptive Pricing enabled by default for new installs</li>
<li>Removed deprecated backend methods that called wc_deprecated_function – <a href="https://github.com/woocommerce/woocommerce-gateway-stripe/pull/5066" rel="nofollow ugc">Full list – PR #5066</a></li>
</ul>
</li>
<li>10.6.0
<ul>
<li>Adaptive Pricing available</li>
</ul>
</li>
<li>10.4.0
<ul>
<li>Optimized Checkout Suite no longer enabled by default for new installs</li>
<li>Removed the main Payment Request Buttons backend class, WC_Stripe_Payment_Request, which was deprecated in 10.2.0</li>
<li>Removed the deprecated WC_Stripe_Apple_Pay class</li>
</ul>
</li>
<li>10.3.0
<ul>
<li>Removed legacy checkout payment method classes and settings retrieval methods</li>
</ul>
</li>
<li>10.2.0
<ul>
<li>Optimized Checkout Suite enabled by default for all new installations</li>
<li>Add minimum transaction amounts for BRL, INR, NZD, THB, CZK, HUF, AED, MYR, PLN, RON</li>
</ul>
</li>
<li>10.1.0
<ul>
<li>Improved express checkout address handling for countries without state/postal codes</li>
</ul>
</li>
<li>10.0.0
<ul>
<li>Payment Request Buttons are fully replaced by Express Checkout</li>
<li>Legacy Checkout is fully deprecated and no longer available</li>
</ul>
</li>
<li>9.8.0
<ul>
<li>Optimized Checkout Suite available via a configuration setting</li>
<li>We will disable the Affirm or Klarna payment methods if the respective official plugin is enabled</li>
</ul>
</li>
<li>9.7.0
<ul>
<li>Improved express checkout support for custom checkout fields</li>
<li>Validate customer details against required billing fields from checkout before sending to Stripe</li>
</ul>
</li>
<li>9.6.0
<ul>
<li>Legacy checkout deprecated by default</li>
<li>Voucher payment methods can be used for subscription purchases when manual renewals are available</li>
<li>Include extension data from block checkout for express checkout orders</li>
<li>Add hooks to support custom checkout fields for classic checkout</li>
</ul>
</li>
<li>9.5.0
<ul>
<li>Synchronize payment methods with Stripe</li>
<li>Support Pre-Authorized Debit (PAD) in Canada and the US</li>
<li>Support BLIK in Poland and from other EU countries</li>
<li>Support BECS Direct Debit payments in Australia</li>
</ul>
</li>
</ul>


WooCommerce Stripe Payment Gateway


Thanks for the great support experience, the response was within 24 hours and my problem was solved in the first dialog. Cheers!


Fast response and very helpful

After persevering with this plugin over many years, the quality has notably reduced over the past 12 months or so. Several bugs have slipped through the cracks and the developers a missing things. I assume this is due to issues in quality control behind the scenes. Issues on Github remain unfixed after several months, and regression bugs pop up in almost every version.

We've finally jumped ship and started using another author's plugin instead.

Poorly optimized and lack of quality control


I don't know how many times I've spent my afternoon reinstalling and reconfiguring this plugin. It breaks all the time.. Nonce errors, billing_address missing errors (the address is there, in plain sight), and other random errors just keep popping up. I don't want to have to sign in to my own website every day and do a test run of the payment flow, just to make sure that it still works... 


Breaks down every other month


The WooCommerce Stripe Payment Gateway plugin works smoothly and integrates perfectly with the checkout process. It supports multiple payment methods, is easy to configure, and handles transactions securely. The setup is simple, and the plugin provides reliable performance even on busy stores.



Support documentation is detailed and helpful, making customization easier when needed. Overall, it’s a great solution for accepting online payments through Stripe on WooCommerce.



Highly recommended!


Excellent Payment Gateway with Strong Features and Support


This plugin gets worse with each release. Features are stripped, hooks break, and now it is impossible to disable the "Link by Stripe" express checkout. Uncheck the option, hit save, refresh and the box is checked. I'm honestly not sure whether this is just routine incompetence or a way to shift people from Strip to WooPayments.


Wore with each release

Accept debit and credit cards in 135+ currencies, many local methods like Alipay, ACH, and SEPA, and express checkout with Apple Pay and Google Pay.

Autify Digital Ltd Lloyds Cardnet Gateway vs WooCommerce Stripe Payment Gateway