Moderator
t-p
(@t-p)
I recommend asking at your ecommerce plugin’s dedicated support so the so the plugin’s developers and support community can help you with this.
The plugin dev will just tell me to buy the premium plan which is what I’m trying to avoid.
Many payment gateways are in the paid category.
Just maybe you can approach your solution from a different direction, rather than going to your theme source, go to the payment processor, maybe Authorize.net have a WordPress gateway, or the documentation for you to develop one for us. Having developed it you can offer it in the plugins library here.
https://wordpress.org/plugins/search/authorize.net/
These are unlikely to coordinate with WP Forms. They typically have their own payment forms. How customizable they are varies widely. Even if they turn out to be unsuitable, their source code could serve as guidance for a bespoke development effort.