WooCommerce ACH + Plaid Gateways for Stripe Review
Introduction
As an online business owner, accepting various payment methods is crucial to cater to a wider customer base. WooCommerce ACH + Plaid Gateways for Stripe is a plugin that allows you to accept ACH payments, a direct payment method from bank accounts, alongside credit cards. In this review, I’ll delve into the features, benefits, and updates of this plugin to help you decide if it’s the right fit for your online store.
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Accepting ACH Payments
One of the standout features of WooCommerce ACH + Plaid Gateways for Stripe is its ability to accept ACH payments. This payment method allows customers to pay directly from their bank accounts, eliminating the need for credit cards. With ACH payments, you can enjoy lower transaction fees compared to credit card payments.
Why Use Stripe ACH vs Stripe?
Stripe ACH payments cost 0.80%, capped at $5, with no monthly fees or verification fees. This makes it an attractive option for businesses that want to reduce their payment processing costs.
Features Overview
The plugin offers a range of features that make it an excellent choice for online businesses. Some of the key features include:
- Allows payment with bank account number and routing number (no credit card required!)
- Instantly verifies bank account using Plaid integration
- Verifies account with micro-deposits
- Auto refunds via ACH Stripe
- Trusted Customers
- Automatic charging after account verification
- Requirement to add and verify an account
- Immediate order processing for verified accounts
- Immediate order processing for all accounts
- Works along with official WooCommerce Stripe integration
- Processing payments from unregistered users
- WooCommerce Subscriptions support!
- WooCommerce Blocks support!
- Mobile-friendly
- Friendly Support
Planned Updates
The developers of WooCommerce ACH + Plaid Gateways for Stripe are committed to continuous improvement. Some of the planned updates include:
- Implementing ACH Credit Transfer payments support (accepted for work)
Changelog
The plugin has a robust changelog that highlights the updates and fixes made to the plugin. Some of the notable updates include:
- 1.6.1: Fixed generating a link to the verification page in an email
- 1.6.0: Added "Automatic charging" feature to ACH
- 1.5.0: Refactoring JS code and checkout validation process
- 1.4.5: Fixed bug on immediately order process
- 1.4.4: Fixed an error in the Plaid find customer process
- 1.4.3: Fixed handle an error during getting link for Plaid init
- 1.4.2: Fixed handle updating of saved method for subscription
- 1.4.1: Added Immediate order processing for all accounts feature to ACH
- 1.4.0: Added "Trusted customers" feature to ACH
- 1.3.0: Implemented the Plaid integration
Conclusion
WooCommerce ACH + Plaid Gateways for Stripe is an excellent plugin that offers a range of features and benefits. With its ability to accept ACH payments, instant verification, and auto refunds, it’s an attractive option for online businesses. The plugin’s mobile-friendly design and friendly support make it easy to use and troubleshoot. While there are some planned updates, the plugin’s changelog highlights the developer’s commitment to continuous improvement.
Score: 0
This review is based on the features, benefits, and updates of WooCommerce ACH + Plaid Gateways for Stripe. While the plugin has some limitations, its ability to accept ACH payments and instant verification make it an excellent choice for online businesses.
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WooCommerce ACH + Plaid Gateways for Stripe
ACH Gateway Settings
- Enable ACH Payments: Enable this option to allow customers to pay using Automated Clearing House (ACH) payments.
- ACH Payment Method Title: Enter a title for your ACH payment method that will be displayed to your customers.
- ACH Payment Method Description: Enter a description for your ACH payment method that will be displayed to your customers.
Plaid Settings
- Enable Plaid: Enable this option to allow customers to pay using Plaid.
- Plaid Client ID: Enter your Plaid client ID.
- Plaid Secret: Enter your Plaid secret key.
Stripe Settings
- Enable Stripe: Enable this option to allow payments to be processed through Stripe.
- Stripe Publishable Key: Enter your Stripe publishable key.
- Stripe Secret Key: Enter your Stripe secret key.
ACH and Plaid Integration Settings
- ACH Payment Type: Select the type of ACH payment you want to allow (e.g., direct debit, transfer from bank account).
- ACH Payment Method: Select the payment method you want to use for ACH payments (e.g., Plaid, bank routing number and account number).
Plaid Routing Options
- Default Bank Account: Select the default bank account to use when a customer is linking a bank account using Plaid.
- Available Balance: Set the available balance for the default bank account.
Payment Processing Options
- ACH Minimum Payment Amount: Set the minimum payment amount for ACH payments.
- ACH Maximum Payment Amount: Set the maximum payment amount for ACH payments.
Here are the features of WooCommerce ACH + Plaid Gateways for Stripe:
- Accepting ACH payments: Accept payments directly from bank accounts, alongside credit cards.
- No credit card required: Allows payment with bank account number and routing number.
- Instant verification: Verifies account with micro-deposits and instantly verification of bank account using Plaid integration.
- Auto refunds: Auto refunds via ACH Stripe.
- Trusted Customers: Trusted customers feature.
- Automatic charging: Automatic charging after account verification.
- Requirement to add and verify an account: Requires users to add and verify their account.
- Immediate order processing: Immediate order processing for verified accounts and all accounts.
- Works with official WooCommerce Stripe integration: Works alongside official WooCommerce Stripe integration.
- Processing payments from unregistered users: Allows processing payments from unregistered users.
- WooCommerce Subscriptions support: Supports WooCommerce Subscriptions.
- WooCommerce Blocks support: Supports WooCommerce Blocks.
- Mobile-friendly: Compatible with mobile devices.
- Friendly Support: Offers friendly support.
Additionally, the plugin has the following planned updates:
- ACH Credit Transfer payments support: Implement ACH Credit Transfer payments support.
The plugin has also had several updates with bug fixes and new features, including:
- Fixed generating a link to the verification page in an email: Fixed an issue with generating a link to the verification page in an email.
- Added "Automatic charging" feature to ACH: Added a new feature to automatically charge accounts after verification.
- Fixed max digits for Account number: Fixed an issue with the maximum number of digits allowed for account numbers.
- Refactoring JS code and checkout validation process: Refactored the JavaScript code and checkout validation process.
- Fixed bug on immediately order process: Fixed an issue with immediate order processing.
- Fixed an error in the Plaid find customer process: Fixed an error in the Plaid find customer process.
- Fixed handle an error during getting link for Plaid init: Fixed an issue with handling errors during the Plaid initialization process.
- Sending email to admin about a new order: Added a feature to send an email to the admin about new orders.
- Fixed handle updating of saved method for subscription: Fixed an issue with updating saved methods for subscriptions.
- Added Immediate order processing for all accounts" feature to ACH: Added a new feature to allow immediate order processing for all accounts.
- Added actions to the verification form: Added actions to the verification form.
- Added "Trusted customers" feature to ACH: Added a new feature to mark customers as trusted.
- Added "Requirement to add and verify an account" feature to ACH: Added a new feature to require users to add and verify their account.
- Added "Immediate order processing" feature to ACH: Added a new feature to allow immediate order processing for verified accounts.
- Added "Immediate order processing" feature to Plaid: Added a new feature to allow immediate order processing for Plaid accounts.
- Implemented the Plaid integration: Implemented the Plaid integration.
- Fixed checking non-registered users: Fixed an issue with checking non-registered users.
- Fixed validation of secret and public key: Fixed an issue with validating the secret and public key.
- Fixed the bug during the checking saved token: Fixed an issue with checking saved tokens.
- Minified the main JS File: Minified the main JavaScript file.
- Fixed an error during checking need verification: Fixed an issue with checking if verification is needed.
- Added compatibility with WooCommerce Blocks: Added compatibility with WooCommerce Blocks.
- Added compatibility with WooCommerce Subscriptions: Added compatibility with WooCommerce Subscriptions.
- Added logging feature: Added a logging feature.
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