Scotiabank Payment Gateway for WooCommerce

Do I need a Scotiabank account to use this plugin?

Yes. This plugin connects directly to Scotiabank’s eCom+ payment gateway, which requires an active Scotiabank merchant account with eCom+ enabled. If you need help setting this up, contact us and we’ll connect you to the right people at Scotiabank.

Can I test the plugin before purchasing?

Yes — and you can test everything. The free plan gives you full access to every plugin feature in sandbox mode: payments, saved cards, admin refunds, captures, voids, pre-authorization, and order prefix. This lets you verify the complete integration works with your theme, page builder, and checkout flow before committing to a paid plan. Sandbox mode is only shown at checkout to logged-in administrators and shop managers, so test while logged in to your WordPress account.

What’s the difference between the Free, Professional, and Premium plans?

The free plan gives you full access to every feature in sandbox (test) mode. You can test the entire integration — including saved cards, API operations, and order prefix — without purchasing a plan. Sandbox mode is only shown at checkout to logged-in administrators and shop managers, so test while logged in to your WordPress account.

The Professional plan unlocks live payment processing, plus admin refunds, pre-authorization with partial capture, and void transactions — all processed directly from WooCommerce without logging into Scotiabank Merchant Admin.

The Premium plan includes everything in Professional, the ability for customers to save their card for faster future checkouts, and the Order ID Prefix feature for multi-store reconciliation.

Are there any transaction fees?

WP Companion charges zero transaction fees. You pay a flat annual subscription for the paid plans. The only per-transaction costs are Scotiabank’s own merchant processing fees, which are part of your merchant account agreement with the bank.

Which currencies does the plugin support?

The plugin supports both USD and your local Caribbean currency (TTD, JMD, BBD, etc.), depending on your Scotiabank eCom+ configuration. You can accept payments in either currency using a standard currency switcher plugin.

Is the checkout secure?

Yes. All payment processing happens on Scotiabank’s PCI-compliant hosted payment platform. Your website never sees or stores credit card numbers. The plugin also supports 3D Secure 2.0, which adds an additional layer of authentication to protect against fraud.

Does the payment form redirect customers away from my site?

No. The Scotiabank hosted payment page is embedded directly on your checkout page using an iframe. Your customers enter their card details without ever leaving your website.

Can customers save their card for future purchases?

Yes, with the Premium plan. When the Save Payment Methods feature is enabled, logged-in customers can tick a checkbox at checkout to save their card. On future purchases they can select their saved card and skip re-entering their details. Saved cards are managed securely by Scotiabank — your site only stores a token reference, never the card number.

What is the Order ID Prefix feature?

With the Premium plan, you can add a custom prefix (e.g. “WEB-“) to the order ID submitted to Scotiabank. This is useful if you run more than one WooCommerce store connected to the same Scotiabank merchant account, as it lets you identify which store each transaction came from in your Scotiabank Merchant Admin reports.

Can I process refunds from WooCommerce?

Yes, with the Professional plan. You can process full or partial refunds directly from the WooCommerce order screen once you activate Scotia’s API on your account — no need to log into Scotiabank’s Merchant Admin portal.

What is pre-authorization and when would I use it?

Pre-authorization allows you to authorize (hold) an amount on a customer’s card at checkout without immediately capturing (charging) it. You can then capture the full amount, a partial amount, or void the authorization entirely — all from your WooCommerce dashboard (with Scotia’s API active and the Professional plan). This is useful for businesses that need to verify stock, adjust order amounts, or delay fulfillment.

Does the plugin work with WooCommerce Block Checkout?

Yes. The plugin is compatible with both the classic WooCommerce checkout and the newer Block Checkout. Saved payment methods are fully supported in both checkout types for Premium plan users.

I’m a web developer or agency. Do you have a partner program?

Yes! We offer an agency partner program with referral commissions, free development licenses, priority support, and early access to new features. Contact us to learn more.

Where can I get support?

Free plan users can use the WordPress.org support forum. Professional and Premium plan users get priority support — contact us directly through our website.