Seamless ACH

Enhance your WooCommerce store with Seamless ACH – the ultimate plugin for secure and streamlined Plaid-Verified ACH payments.

Seamless ACH integrates seamlessly with WooCommerce and leverages Plaid’s user-friendly bank verification, enabling customers to pay easily using their online banking credentials.

Key Features

• Secure ACH Payments: Accept U.S. bank payments with Plaid’s robust verification, ensuring every transaction is safe and secure.
• Plaid Integration: Built-in Plaid support adds an extra layer of security and trust by verifying customers’ bank accounts.
• Streamlined Checkout: Simplify the checkout process and reduce cart abandonment. Customers log in to their bank accounts seamlessly through Plaid’s secure interface.
• Automated Payment Management: Automate payment processing and subscription management, eliminating manual tracking.
• Recurring Payments & Subscriptions: Set up recurring payments to ensure steady, predictable revenue.
• Authorization-Only Capture: Need to charge customers later? Capture their bank details at checkout for future payments – ideal for free trials or deferred billing.
• Quick Refunds: Effortlessly process refunds to maintain customer satisfaction.

With Seamless ACH, you can improve user experience, boost checkout conversions, and streamline payment management. Start simplifying ACH payments today!

Setup Instructions

Setting up the Seamless ACH plugin is quick and easy:

1. Create a Seamless ACH Account:
   Don’t have an account? Sign up here. It’s free, fast, and no credit card is required.
2. Install the Plugin
   1. Log in to your WordPress Admin Dashboard.
   2. Navigate to Plugins > Add New.

   Choose one of the following installation methods:

   Option 1 (Recommended): Install from the WordPress Plugin Directory

   1. Enter Seamless ACH in the plugin search field.
   2. Locate the Seamless ACH plugin in the search results.
   3. Click Install Now.
   4. Once the installation is complete, click Activate.

   Option 2: Manual Installation

   1. Download the latest version — the seamless-ach.zip file — from the official SeamlessChex WordPress plugin page.
   2. On the Add Plugins page, click Upload Plugin.
   3. Select the downloaded `seamless-ach.zip` file.
   4. Click Install Now.
   5. Once the installation is complete, click Activate.
3. Configure the Plugin
   • After activation, navigate to the Seamless ACH plugin settings within your administrative panel.
   • Enter your Seamless ACH account details, including API keys, which you can find in your Seamless ACH account under settings in the API tab. Make sure you are using the correct API keys and have selected the appropriate mode (Sandbox or Live).
   • Configure the plugin settings according to your preferences, such as webhook URL, payment method name, payment frequency, capture auth and payment method description.
   • For Webhook option (easy integration), in Update Order Statuses, select Weebhook and then go to your Account Settings in Seamless ACH dashboard -> API tab -> Paste in the ‘Webhook URL’ field and click ‘save’.
   • You can also turn auto-updates off and do it manually by clicking ‘Update Seamless ACH Status’ within the WooCommerce ‘Orders’ page.
   • Default Order Pending Status:
     ACH In-Process:
     -This is a custom Seamless ACH status. When a payment is completed by the customer, it will be set to “ACH In-Process.” After processing, it will change to either “Failed” or “Paid.”
     On-Hold:
     -By default, WooCommerce sets all payments to “On-Hold” after initiation. From this status, payments will move to either “Failed” or “Paid.”
4. Secret Key
   • Sandbox Mode:
     – Starts with the prefix sk_test_.
     – Used for testing the API in a sandbox environment.
     – Allows performing test transactions, creating test data, and simulating various scenarios.
     – Must be stored securely as it provides access to the API, but only in a test environment.
   • Live Mode:
     – Starts with the prefix sk_.
     – Used for performing real operations in a production environment.
     – Provides full access to the API for working with real data and transactions.
     – Must be handled with extreme caution, as its compromise can lead to data leaks or financial losses.
   • Key Differences:
     1. Prefixes:
        – Sandbox: sk_test_ (secret).
        – Live: sk_ (secret).
     2. Purpose:
        – Sandbox keys are used for testing and development.
        – Live keys are used for real operations.
     3. Security:
        – Sandbox keys are used for testing and development.
        – Sandbox keys are less critical as they only work with test data.
     4. Access:
        – Secret keys must only be used on the server side and should never be exposed to the client.
5. Whitelist Seamless ACH IPs and Domains with your security solutions
   • Seamless ACH Domain: https://api.seamlesschex.com/ach/
   • Seamless ACH IPs: 54.91.177.147, 35.168.136.199, 52.86.225.5, 52.54.42.180
6. Enable Seamless ACH as a Payment Method
   • Go to WooCommerce > Settings > Payments.
   • Enable Seamless ACH as a payment method.
7. Test the Installation
   • Create a test transaction via Sandbox (test) to ensure the plugin is working correctly.
   • Check if the transaction appears in your Seamless ACH dashboard and that all notifications are working as expected.
8. Go Live
   • Once you’ve confirmed everything is working correctly with the test transaction, you can start using Seamless ACH for live transactions.

That’s it! Seamless ACH will now appear as a payment option at checkout.

Your WooCommerce store is now ready to accept Seamless ACH ACH payments! All transactions and received payments can be viewed in your Seamless ACH Dashboard.

External Services

The Seamless ACH plugin integrates with Plaid, a trusted leader in bank verification services and a long-standing partner of Seamless ACH.

How It Works:

• During checkout, customers interact with a secure Plaid iframe to log into their bank account, select their preferred account, and authorize the payment.
• Plaid handles all bank account verification and authentication. Seamless ACH does not store any bank account details.

For more information, please review Plaid’s End User Services Agreement and Privacy Policy.

This plugin also connects to the Seamless ACH API (provided by SeamlessChex, the same company that publishes this plugin), which processes the ACH bank transfers themselves: creating and authorizing transactions, capturing/refunding payments, and syncing payment status back to the WooCommerce order.

• The order amount and currency, the WooCommerce order ID, and the bank account token obtained from Plaid (public token / account ID) are sent to the Seamless ACH API when a customer places an order, and when a merchant refunds or cancels an order.
• Order status updates are retrieved from the Seamless ACH API either via a webhook call from Seamless ACH to the store, or via a periodic status check initiated by the store, depending on the “Update Order Statuses” setting.
• API documentation: https://developers-ach.seamlesschex.com/
• Terms of Service: https://www.seamlesschex.com/terms-of-service
• Privacy Policy: https://www.seamlesschex.com/privacy-policy

Enhance your payment suite today with Seamless ACH and experience the simplicity of Plaid-verified ACH payments.