Title: SSV SmartPay Pay By Bank Author: ssvsmartpay Published: December 11, 2025 Last modified: August 17, 2026 --- Search plugins ![](https://ps.w.org/ssv-smart-pay-payment-gateway/assets/banner-772x250.png?rev =3417421) ![](https://ps.w.org/ssv-smart-pay-payment-gateway/assets/icon-256x256.png?rev=3417421) # SSV SmartPay Pay By Bank By [ssvsmartpay](https://profiles.wordpress.org/ssvsmartpay/) [Download](https://downloads.wordpress.org/plugin/ssv-smart-pay-payment-gateway.2.0.1.zip) * [Details](https://wordpress.org/plugins/ssv-smart-pay-payment-gateway/#description) * [Reviews](https://wordpress.org/plugins/ssv-smart-pay-payment-gateway/#reviews) * [Installation](https://wordpress.org/plugins/ssv-smart-pay-payment-gateway/#installation) * [Development](https://wordpress.org/plugins/ssv-smart-pay-payment-gateway/#developers) [Support](https://wordpress.org/support/plugin/ssv-smart-pay-payment-gateway/) ## Description **SSV SmartPay** helps WooCommerce stores increase conversion rates and reduce payment costs by enabling **Pay by Bank (Open Banking) payments** for UK customers. Customers can pay directly from their bank account in a secure, familiar flow without entering card details or creating accounts. This reduces checkout friction and helps more customers complete their purchase. The plugin integrates seamlessly into your existing checkout and adds Pay by Bank as an additional payment option, without replacing your current setup. ### Why merchants use SSV SmartPay **Lower payment costs** * Reduce transaction fees with simple pricing: * Under £50: 20p per transaction (+ VAT) * Over £50: 0.5% per transaction (+ VAT) * No monthly fees * No setup costs * No contracts * Faster access to funds * Payments are typically settled instantly once authorised, helping improve cash flow and reduce delays in fulfilment. **No chargebacks** Bank-authorised payments remove the risk of chargebacks and reduce payment disputes and admin overhead. **Higher checkout completion rates** Customers approve payments directly in their banking app using Strong Customer Authentication (Face ID, fingerprint, or passcode), creating a fast and familiar checkout experience. **Wide UK bank coverage** Works with all major UK banks, giving access to the vast majority of UK consumers. **Designed to sit alongside your existing payments** Add Pay by Bank as an additional option without disrupting your current payment stack. **How it works** * Customer selects **Pay by Bank** at checkout * They choose their bank * They approve the payment in their banking app * They are returned to your store and the order is confirmed **Requirements** * WooCommerce installed and active * SSV SmartPay merchant account created * API key from your SSV SmartPay dashboard **Features:** * Accept payments using QR codes or direct bank transfer. * Supports Sandbox (test) and Production (live) environments. * Fully compatible with WooCommerce checkout flow. * Shows clear messages for payment success, failure, or cancellation. * **Webhook integration** for real-time payment updates * **Cron job fallback** (every 10 minutes) for missed webhook cases * Automatic order status update (success, failed, cancelled) * Secure API communication with SSV Smart Pay * Easy copyable **Callback & Webhook URLs** in admin settings ### Currency Support This plugin currently supports GBP (British Pound) as the only currency. Make sure your WooCommerce store uses GBP for successful payment processing. WooCommerce Settings General Currency GBP – Pound Sterling (£) ### External Services This plugin connects to the **SSV Smart Pay API** to securely process WooCommerce payments. Service Used: – **SSV Smart Pay API** (https://api.ssvsmartpay.co/) Purpose: – Generate payment token / payment URL – Create orders – Validate payment status – Update WooCommerce order after successful payment Data Sent: – Customer email – Customer phone number – Customer name – Order ID – Order amount and currency – Callback URL When Data Is Sent: – During checkout when the customer selects SSV Smart Pay – During payment verification – During callback/response from the SSV Smart Pay system Terms of Service: https://app.ssvsmartpay.co/legal/Terms-of-Service-Consumers Privacy Policy: https://app.ssvsmartpay.co/legal/SSV-Privacy-and-Cookies-Policy ### Important Setup Instructions After activating the plugin: 1. Go to: **Settings Permalinks** and click **Save Changes** (required for custom URLs to work) 2. If your website uses security/firewall services like: 3. * Cloudflare * Hosting firewall * Security plugins 4. Then whitelist the following URLs: * Payment Process URL * Payment Status URL * Webhook URL * (These URLs are available in plugin settings) ### Support **Email:** info@ssvsmartpay.co **Phone:** 0203 633 0404 **Dashboard:** https:// app.ssvsmartpay.co ## Screenshots [⌊Screenshot of uploading the plugin ZIP file in the WordPress Plugins section.⌉⌊ Screenshot of uploading the plugin ZIP file in the WordPress Plugins section.⌉[ Screenshot of uploading the plugin ZIP file in the WordPress Plugins section. [⌊Screenshot of the WooCommerce payment settings page.⌉⌊Screenshot of the WooCommerce payment settings page.⌉[ Screenshot of the WooCommerce payment settings page. [⌊Screenshot of the checkout page with the selected payment method.⌉⌊Screenshot of the checkout page with the selected payment method.⌉[ Screenshot of the checkout page with the selected payment method. [⌊Screenshot of the SSV Payment screen redirection on ssv smart pay portal.⌉⌊Screenshot of the SSV Payment screen redirection on ssv smart pay portal.⌉[ Screenshot of the SSV Payment screen redirection on ssv smart pay portal. [⌊Screenshot of the SSV Payment screen showing a successful payment.⌉⌊Screenshot of the SSV Payment screen showing a successful payment.⌉[ Screenshot of the SSV Payment screen showing a successful payment. ## Installation 1. Create your account: https://app.ssvsmartpay.co/account/register 2. Install and activate the plugin 3. Go to WooCommerce Settings Payments SSV SmartPay 4. Enter your API key 5. Save changes – Pay by Bank is now live 🎥 **Integration video:** https://www.youtube.com/watch?v=-S3SK_eKeOA ## FAQ ### Does this plugin support sandbox testing? Yes. You can switch between Sandbox and Production mode in the plugin settings. ### Is this plugin compatible with the latest WooCommerce version? Yes. This plugin is tested with the latest WooCommerce and WordPress versions. ### Does it support translations? Yes, the plugin is fully translation-ready. A `.pot` file is included in the `languages` folder. ## Reviews There are no reviews for this plugin. ## Contributors & Developers “SSV SmartPay Pay By Bank” is open source software. The following people have contributed to this plugin. Contributors * [ ssvsmartpay ](https://profiles.wordpress.org/ssvsmartpay/) [Translate “SSV SmartPay Pay By Bank” into your language.](https://translate.wordpress.org/projects/wp-plugins/ssv-smart-pay-payment-gateway) ### Interested in development? [Browse the code](https://plugins.trac.wordpress.org/browser/ssv-smart-pay-payment-gateway/), check out the [SVN repository](https://plugins.svn.wordpress.org/ssv-smart-pay-payment-gateway/), or subscribe to the [development log](https://plugins.trac.wordpress.org/log/ssv-smart-pay-payment-gateway/) by [RSS](https://plugins.trac.wordpress.org/log/ssv-smart-pay-payment-gateway/?limit=100&mode=stop_on_copy&format=rss). ## Changelog #### 2.0.1 * Declared compatibility with WordPress 7.1. #### 2.0 * Replaced the old payment process screen with a new payment process screen. * Updated the payment creation API by adding new field attributes. * Updated the payment failure screen. #### 1.1.1 * Update Plugin Title and Tags. #### 1.1 * Added webhook handling * Added cron-based payment verification fallback * Added callback & webhook URLs in admin * Added security and validation improvements #### 1.0 * Initial release with full payment gateway functionality. ## Meta * Version **2.0.1** * Last updated **2 months ago** * Active installations **Fewer than 10** * WordPress version ** 5.8 or higher ** * Tested up to **7.1.3** * PHP version ** 7.4 or higher ** * Tags * [instant settlement](https://wordpress.org/plugins/tags/instant-settlement/)[Open Banking](https://wordpress.org/plugins/tags/open-banking/) [pay by bank](https://wordpress.org/plugins/tags/pay-by-bank/)[uk payments](https://wordpress.org/plugins/tags/uk-payments/) [woocommerce payment gateway](https://wordpress.org/plugins/tags/woocommerce-payment-gateway/) * [Advanced View](https://wordpress.org/plugins/ssv-smart-pay-payment-gateway/advanced/) ## Ratings No reviews have been submitted yet. [Your review](https://wordpress.org/support/plugin/ssv-smart-pay-payment-gateway/reviews/#new-post) [See all reviews](https://wordpress.org/support/plugin/ssv-smart-pay-payment-gateway/reviews/) ## Contributors * [ ssvsmartpay ](https://profiles.wordpress.org/ssvsmartpay/) ## Support Got something to say? Need help? [View support forum](https://wordpress.org/support/plugin/ssv-smart-pay-payment-gateway/)