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.

Key Features:
– Multiple payment methods: Hosted Payment Page (HPP), Payment JS, Apple Pay, and Google Pay
– Full tokenization support – customers can securely save cards for future purchases
– WooCommerce Subscriptions compatibility for recurring payments
– Smart 3D Secure authentication with dynamic challenge requirements
– MOTO (Mail Order/Telephone Order) support for admin-initiated transactions
– Advanced fraud prevention with customizable security settings
– Comprehensive webhook support for reliable payment status updates

Lloyds Bank Cardnet (LBOP) WooCommerce Integration

Features

= Payment Methods =

Multiple Payment Options – Accept all major credit and debit cards (Visa, Mastercard, American Express, etc.)
Digital Wallets – Integrated Apple Pay and Google Pay support
Express Checkout – Display Apple Pay and Google Pay buttons on product, cart, and checkout pages
Redirect Payment – Secure hosted payment page option for PCI compliance
Embedded Payment (Payment.JS) – Seamless checkout with payment form directly on your site

Advanced Payment Features

Tokenization – Allow customers to securely save card details for faster future purchases
Subscription Support – Set up recurring payments for subscription-based services
MOTO Payments – Process Mail Order/Telephone Order payments securely from WooCommerce admin
Refund Processing – Handle full and partial refunds directly from your WooCommerce dashboard
International Payments – Configure multiple currencies and selling locations

Security & Management

PCI Compliance – Transactions processed by Lloyds Bank Cardnet, not on your server
Secure Payment Handling – All sensitive payment data handled by certified payment processor
Easy Dashboard Management – Monitor transactions and order statuses from WooCommerce
Webhook Support – Real-time payment status updates
REST API Integration – Modern API implementation for reliable performance

Getting Started

Ensure you have an active Lloyds Bank Cardnet merchant account
Purchase and download the plugin from Autify Digital
Install the plugin on your WooCommerce site
Configure with your Store ID and Shared Secret
For embedded payments, add REST API credentials
Configure payment methods and options
Test with sandbox credentials
Go live with production credentials

For detailed installation instructions, refer to the documentation provided with your plugin purchase.

Support

For technical support, customization requests, or general inquiries:
Email: [email protected]
Visit: https://www.autify.co.uk

External Services

This plugin interacts with the following external services for payment processing. These services handle transactions made through Lloyds Cardnet.

Lloyds Cardnet Payment Gateway
– Service Link: Lloyds Cardnet Payment via Autify Digital Ltd
– Terms of Use: Lloyds Cardnet Terms of Service
– Privacy Policy: Lloyds Cardnet Privacy Policy
First Data Payment Processing (IPG Online)
– API Endpoints:
– Hosted Payment Page:
– Sandbox: https://test.ipg-online.com/connect/gateway/processing
– Production: https://www.ipg-online.com/connect/gateway/processing
– Refund API:
– Sandbox: https://cert.api.firstdata.com/
– Production: https://prod.api.firstdata.com/
First Data Payment JS iFrame Solution
– JavaScript URL that interacts with Payment Card data:
– Sandbox: https://lib.paymentjs.firstdata.com/uat/client-2.0.0.js
– Production: https://lib.paymentjs.firstdata.com/prod/client-2.0.0.js
– Payment JS Documentation: Payment JS Documentation

Please note that these external services handle the processing and storage of payment data. Make sure you review the respective privacy policies to understand how your data is handled.

Installation

This section describes how to install the plugin and get it working.

Upload the plugin in ‘/wp-content/plugins/’ directory
Activate the plugin through the ‘Plugins’ menu in WordPress
Set the plugin settings from payment section in wp admin

Frequently Asked Questions

What do I need before installing this plugin?

You need an active Lloyds Bank Cardnet merchant account. The plugin cannot assist with account setup – please visit Lloyds Bank Business website to apply for an account first. You’ll also need WooCommerce installed and configured on your WordPress site.

What credentials do I need from Lloyds Bank?

You’ll need:

Store ID and Shared Secret (provided when setting up your merchant account)
For embedded payments: REST API Key and API Secret from the Developer Portal
The REST API keys need to be linked to your Store ID by Lloyds Bank

Is professional installation available?

Yes, Autify Digital offers a professional installation service where their technical team will configure the plugin to your requirements.

Which payment methods are supported?

The plugin supports all major credit and debit cards (Visa, Mastercard, American Express, etc.), plus Apple Pay and Google Pay digital wallets.

Can I offer both redirect and embedded payment options?

No, you need to choose one payment method – either the redirect to hosted payment page OR the embedded Payment.JS solution on your checkout page.

Where can Apple Pay and Google Pay buttons be displayed?

Express checkout buttons can be displayed on product pages, cart page, and checkout page, allowing customers to skip the standard checkout process.

Can I process refunds through WooCommerce?

Yes, you can process both full and partial refunds directly from the WooCommerce order management interface.

Does the plugin support subscriptions?

Yes, the plugin supports recurring payments for subscription services. This feature is only available with card payments (not digital wallets).

What is MOTO payment functionality?

MOTO (Mail Order/Telephone Order) allows you to securely process payments taken over the phone or email directly from the WooCommerce admin area.

Can customers save their card details?

Yes, through tokenization, customers can securely save their card details for faster checkout in future purchases. The actual card data is never stored on your server.

Is the plugin PCI compliant?

When using either the hosted payment page or embedded payment solution, all transactions are processed by Lloyds Bank Cardnet’s PCI-compliant infrastructure, not on your server. This significantly reduces your PCI compliance scope.

How is sensitive payment data protected?

Card details are never stored on your WooCommerce site. All sensitive data is handled by Lloyds Bank Cardnet using tokenization for saved cards and secure transmission protocols.

Do I still need SSL on my website?

Yes, you should always have a valid SSL certificate on your e-commerce website for general security and customer trust, even though payment processing happens on Lloyds Bank’s secure servers.

What are the minimum requirements?

WordPress 5.0 or higher
WooCommerce 3.5 or higher
PHP 7.2 or higher
Valid SSL certificate
Active Lloyds Bank Cardnet merchant account

Does the plugin support multiple currencies?

Yes, the plugin includes international payment settings allowing you to configure multiple currencies and selling locations based on your merchant account capabilities.

How are payment notifications handled?

The plugin uses webhooks for real-time payment status updates. The webhook URL needs to be configured in your Lloyds Bank Cardnet account.

What if payments are being declined?

Check that:

Your Lloyds Bank Cardnet account is active
API credentials are correctly entered
REST API keys are linked to your Store ID (for embedded payments)
CVV verification is disabled as per setup requirements

Can I test the plugin before going live?

Yes, Lloyds Bank Cardnet provides test credentials and a sandbox environment. Configure these in the plugin settings to test transactions without processing real payments.

Where can I see transaction logs?

Transaction logs and order statuses can be viewed in the WooCommerce reporting dashboard. Detailed transaction information is also available in your Lloyds Bank Cardnet merchant portal.

Is technical support available?

Yes, Autify Digital provides reliable installation and post-integration support. Contact [email protected] for technical assistance.

Can the plugin be customized for specific business needs?

Yes, Autify Digital offers customization services for businesses needing tailored features or configurations beyond the standard plugin functionality.

How do I update the plugin?

Plugin updates are provided through your Autify account. Always backup your site before updating and test updates on a staging environment first.

What if I need to switch from redirect to embedded payments?

You can switch between payment methods in the plugin settings. For embedded payments, you’ll need to obtain and configure REST API credentials from the Developer Portal.

Is this plugin compatible with other WooCommerce extensions?

The plugin is designed to work with standard WooCommerce installations. Compatibility with specific third-party extensions should be tested on a case-by-case basis.

Can I use this plugin on multiple sites?

Licensing terms depend on your purchase from Autify Digital. Check your license agreement or contact support for multi-site usage rights.

Does the plugin work with WooCommerce Blocks?

Please check with Autify Digital support for the latest compatibility information regarding WooCommerce Blocks checkout.

Review feed

No reviews available

Screenshots

Plugin Settings - Configure your Lloyds Bank Cardnet payment gateway with Store ID, API credentials, and payment mode selection
Payment Failed Page - Clear error messaging when a payment is declined, allowing customers to retry with alternative payment methods
Order Management - View and manage orders with complete transaction details including payment reference and customer information
Refund Processing - Process full or partial refunds directly from the WooCommerce order page with automatic gateway integration
Order Confirmation - Customer order received page showing successful transaction completion with order details
Transaction Reports - Comprehensive transaction reporting dashboard showing payment status, order IDs, and transaction history
Checkout Experience - Embedded payment form (Payment.js) integrated directly into the WooCommerce checkout page with card details input and Google Pay option.

Changelog

3.0.6 –
– Security: Fixed security vulnerabilities with proper sanitization of $_GET, $_POST, $_REQUEST data
– Security: Added proper validation and sanitization using sanitize_text_field() and wp_unslash()
– Enhancement: Made debug logging conditional – error_log() now only runs when WP_DEBUG is enabled
– Enhancement: Complete WooCommerce address line 2 support across all payment methods (Payment JS, Apple Pay, Google Pay, HPP)
– Enhancement: Comprehensive unit test coverage for all new features and validations
– Fix: Enhanced security for payment token handling and form processing
– Fix: Improved address data handling in redirect payment forms and wallet payments
– Dev: Updated all payment gateway classes with secure data handling practices
– Dev: Enhanced license manager with proper AJAX security and nonce verification
– Dev: Added comprehensive test suite covering address handling, and license management

3.0.5 –
– Enhancement: Full tokenization support for HPP/Redirect payment gateway – customers can now save cards for future use
– Enhancement: Smart 3D Secure handling with dynamic challenge indicators based on transaction type
– Enhancement: Improved code organization with dedicated helper methods for payment data building
– Enhancement: Subscription support improvements with proper token handling for recurring payments
– Fix: Duplicate token saving issue between webhook and order confirmation resolved
– Fix: Session dependency removed from webhook – now uses order meta for reliable server-to-server communication
– Fix: Improved shipping method calculation for wallet payments (Apple Pay and Google Pay)
– Fix: Shipping options now properly update based on customer location
– Fix: Shipping methods now respect WooCommerce zone restrictions and conditions
– Fix: Total calculation now uses backend-calculated values for accuracy
– Enhancement: Dynamic shipping option updates when address changes in wallet payments
– Enhancement: Proper tax and shipping recalculation based on selected address
– Enhancement: PO number building logic refactored for better maintainability
– Dev: Added modular payment request builders (buildPaymentRequestData, buildOrderData, build3DSecureData)
– Dev: Enhanced token storage with duplicate prevention mechanism
– Dev: Removed deprecated class-autify-lloyds-shop-page-handler.php file

3.0.4 –

HPOS Declaration

3.0.3 –
– BugFix – Domain issue, as WooCommerce covers it already.
– Apple Pay removal of EMV, as this is not supported.
– Some Code improvements

3.0.2 –
– Feature: Adding Dynamic Order Data configuration and Clear Cookies for My account

3.0.1 –
– Fallback to Hosted Payment Method Support
– A configuration option has been added in Payment JS to enable or disable logging.
– The logger has been standardized to use the WooCommerce logging system, ensuring consistency across all WooCommerce payment methods.

3.0.0 –

On-site Wallets: We can process on-site payments via Google Pay or Apple Pay directly from the product, cart, and checkout pages.
Tokenisation: The customer can save their cards for future transactions.
Subscription: The merchant can accept the subscription of the order via Card payments. The Wallets will not show up if there are subscription products in the cart.
MOTO: The merchant can make an MOTO transaction by logging into the Administrator account.

2.0.14 – Fix column addition issue and remove sleep() function
2.0.13 – Load Domain translation issue
2.0.12 – Added configuration for the Order ID suffix as timestamp.
2.0.11 – Fix for country restriction for Embedded Payment and GooglePay Wallet issue.
2.0.10 – Added configuration to pass the order ID or not

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