finheroteam

Our plugin connects your store to the FinSys ecosystem, enabling customers to submit loan applications directly to participating lenders through a streamlined financing workflow.
By embedding financing into the customer journey, merchants can offer unique funding options to their customers and receive fast approvals through FinHero’s FinSys technology, which automates the underwriting process. The plugin tracks order flow with customized status codes that give merchants real-time visibility into the loan application status. Upon approval, merchants are paid in full upfront (less fees), while repayment and credit risk are managed by the lender, with no risk to the merchant.
Key Features: 
* Loan Application Integration: Automatically generates and submits loan applications from WooCommerce order data. 
* Secure Data Transmission: Captures and transmits borrower information securely via the FinSys API for compliant and reliable processing. 
* Real-Time Status Sync: Updates WooCommerce order statuses instantly when lenders approve or reject applications. 
* WooCommerce Block Compatibility: Fully compatible with modern WooCommerce Checkout and Cart Blocks.
<h3>External Services</h3>
This plugin connects to external FinHero’s FinSys API services to process financing applications. No data is sent to these services until a customer explicitly selects “FinHero Financing” as their payment method at checkout.
The plugin connects to the following domains depending on the environment selected in the settings: 
* Production: https://finsys-api.finhero.asia and https://api.finhero.asia 
* Staging: https://finsys-api-stage.finhero.asia
When Demo mode is selected, the plugin does not contact any external FinHero service. It uses an internal mock flow within WordPress so merchants can test the financing journey without live API credentials.
Service Details:
<ul>
<li>Authentication (login)
<ul>
<li>When: On checkout, when the customer places an order using FinHero financing.</li>
<li>Data sent: Merchant API credentials (Client ID and Client Secret).</li>
<li>Purpose: Obtain a JWT access token to authorize subsequent API requests.</li>
</ul>
</li>
<li>File upload (uploadFile)
<ul>
<li>When: When a customer uploads a supporting document (e.g., identity card, payslip) during the financing application.</li>
<li>Data sent: The file contents and file metadata (name, type, size).</li>
<li>Purpose: Securely transfer customer documents to the FinSys platform for underwriting.</li>
</ul>
</li>
<li>IHS submission (ihs/submission)
<ul>
<li>When: Immediately after the customer places an order using FinHero financing.</li>
<li>Data sent: Order details (product name, purchase amount, currency, merchant information).</li>
<li>Purpose: Create a financing application record (IHS) in the FinSys platform.</li>
</ul>
</li>
<li>IHS update (update/{ihs_id})
<ul>
<li>When: When the customer completes and submits the financing application form.</li>
<li>Data sent: Customer personal details (name, email, address, identification number), employment details, and income information.</li>
<li>Purpose: Finalize the loan application with the customer’s full details.</li>
</ul>
</li>
<li>IHS status transition ({ihs_id}/transitions)
<ul>
<li>When: When a WooCommerce order status changes or is cancelled.</li>
<li>Data sent: The IHS record ID and the transition action (e.g., CANCEL or AWAIT_DISBURSEMENT).</li>
<li>Purpose: Keep the financing application status synchronized with the WooCommerce order.</li>
</ul>
</li>
</ul>
Legal and Privacy:
These services are provided by FinHero. By using this plugin, you agree to their terms and privacy policies: 
* Terms of Service: https://finheroasia.com/terms-of-use 
* Privacy Policy: https://finheroasia.com/privacy-policy

Consumer Financing by FinHero

Boost conversions by offering customers innovative funding options for their purchases in their WooCommerce checkout flow.

breadintegrations

Bread helps retailers offer pay-over-time solutions as a way to build stronger consumer connections, power sales, and improve brand loyalty.
<h3>About Bread Pay</h3>
Bread Finance is now Bread Pay.
Bread Pay is a full-funnel, white label financing solution that helps retailers acquire and convert more customers. Retailers who use Bread have seen an increase of 5-15% in sales, up to 120% higher AOV, and an 84% increase in email click-through-rates.
Our tools have proven to reduce friction and improve conversion by engaging more shoppers throughout the funnel, and by creating a brand-consistent financing experience. With Bread, customers can apply and pre-qualify for financing earlier in the shopping journey, empowering them with transparent financing options that increase their purchasing power and drives more sales.
Let us help you sell more and grow faster with flexible pay-over-time solutions. To learn more, please visit <a href="https://payments.breadfinancial.com/" rel="nofollow ugc">payments.breadfinancial.com</a>.
<h3>Bread’s Features</h3>
Attract More Customers
<ul>
<li>Full Funnel. Your shoppers can discover, pre-qualify, and check out from anywhere – your homepage, category page, product page, cart, or checkout. </li>
<li>Real-Time Decision. Pre-qualification is quick and easy. Let your customers learn about their purchase power in seconds without ever leaving your site.</li>
</ul>
Boost Your Conversions
<ul>
<li>White Label. We’re committed to enhancing your brand, not ours. Customize our tools to match the look and feel of your site.</li>
<li>Flexible Financing Options. Offer terms and financing programs optimized for your products, your order values, and your customers.</li>
</ul>
Improve Marketing & Loyalty
<ul>
<li>Actionable Data. Make informed decisions on how to improve customer loyalty using detailed insights available on our platform.</li>
<li>Drive Retargeting. Take advantage of Bread’s robust APIs to reach abandoned shoppers and recover lost revenue.</li>
</ul>
<h3>Case Studies</h3>
Bread Pay Financing Helped The RTA Store Increase Average Ticket Size by 130%
By partnering with Bread Pay, furniture retailer The RTA Store saw an 8.5% incremental increase in year-over-year sales and 130% higher AOV for customers who used Bread financing compared to those who did not.
EraGem Triples Financed Sales, Sees 17% Higher AOV with Bread
Jeweler EraGem experienced 3X more in financed sales, 30% higher year-to-date revenue, and 17% higher AOV after switching to Bread from another financing provider.
<h3>Seamless Integration</h3>
Bread’s financing solutions can be easily integrated into your WooCommerce platform, making your integration fast and painless. Bread’s robust API can be customized to fit your user experience and website.
Bread’s plugin also allows all authorizations, captures, and refunds to be processed through WooCommerce. For installation and setup instructions, please refer to our documentation site. 
This plugin has been tested on WooCommerce versions 3.0 and above.

Bread Pay

Bread helps retailers offer pay-over-time solutions as a way to build stronger consumer connections, power sales, and improve brand loyalty.

Consumer Financing by FinHero vs Bread Pay