Buckmerce – Bank Payments via Plaid for WooCommerce

Description

Turn WooCommerce into a complete Pay by Bank checkout with Plaid.

Buckmerce adds a native WooCommerce payment gateway for customers who want to pay directly from a US bank account. Instead of treating bank payments like a manual offline transfer, Buckmerce connects checkout to Plaid Transfer UI, follows the payment through the ACH lifecycle, updates the order automatically, supports native WooCommerce refunds, and keeps monitoring for returns after the sale.

Customers get a clear Pay by Bank option at checkout, connect their bank in Plaid, choose the account to pay from, and authorize the payment. Your store never receives their bank login credentials.

• WooCommerce ACH payments with Plaid Transfer — Standard ACH or Same Day ACH.
• Classic Checkout and Checkout Block support — one gateway for both checkout experiences.
• Server-authoritative payments — Plaid, not the browser, determines payment state.
• Verified Plaid webhooks — ES256 JWT signature, key, token age and request-body hash verification.
• Automatic ACH lifecycle tracking — pending, posted, settled, funds available, failed, cancelled and returned.
• Native WooCommerce refunds — full and multiple partial refunds sent through Plaid and tracked to their final state.
• ACH return monitoring — returns are flagged in orders, notices and merchant email.
• Background reconciliation — missed webhooks and stale payments are recovered automatically.
• Duplicate-payment protection — protects against double clicks, retries and concurrent requests.
• HPOS compatible — built for WooCommerce High-Performance Order Storage.
• Operational tools — connection test, diagnostics, Site Health and redacted logs.
• No Buckmerce license key — no paid unlock, trial timer or usage quota.

Buckmerce is an independent third-party integration and is not developed, endorsed or supported by Plaid Inc., WooCommerce or Automattic.

What you need

• WordPress 6.6 or later.
• WooCommerce 8.7 or later.
• PHP 8.1–8.4 with OpenSSL.
• Store/order currency: USD.
• A Plaid account with Plaid Transfer enabled.
• HTTPS for Production payments.

External services

Buckmerce connects to Plaid to create and monitor Pay by Bank payments.

• Plaid API (https://sandbox.plaid.com or https://production.plaid.com) — receives server-side credentials and payment/refund data needed for Plaid Transfer.
• Plaid Link (https://cdn.plaid.com/link/v2/stable/link-initialize.js) — loaded on the customer payment page so the customer can connect a bank and authorize the payment.
• Plaid webhooks — send Transfer event notifications to the Buckmerce webhook endpoint.

Data sent to Plaid can include order amount and currency, statement description, billing name and email, refund amounts and internal order/payment references. Bank login credentials are handled by Plaid.

Plaid Terms: https://plaid.com/legal/
Plaid Privacy Policy: https://plaid.com/legal/#end-user-privacy-policy

Privacy

Buckmerce collects no telemetry. Plaid identifiers and payment/refund states are stored for reconciliation, refunds and auditing. Suggested privacy text is added under Settings → Privacy.

Security

• Plaid secrets stay server-side and are redacted from logs.
• Amount and currency come from the WooCommerce order, not the browser.
• Customer REST requests require order access plus a payment nonce.
• Plaid webhooks are authenticated before business processing.
• Administrator actions require capability checks and nonces.

Source code

Compiled JavaScript and CSS are built from public TypeScript and SCSS source:

https://github.com/Buckmerce/Plaid

The plugin bundles firebase/php-jwt under the BSD-3-Clause license for Plaid webhook JWT verification.