Afterpay, Clearpay and Zip for WooCommerce — pay in instalments in Australia, New Zealand, the UK, the US and Canada

Afterpay, Clearpay and Zip Payments adds instalment payments through Afterpay, Clearpay and Zip to WooCommerce. The buyer splits the purchase on the provider’s page, and the shop gets the full amount from the provider. Afterpay works in Australia, New Zealand, the US and Canada; in the UK the same service is called Clearpay; Zip works in Australia only, having left the UK and New Zealand.

The plugin adds two payment methods: Afterpay (Clearpay for a UK account) and Zip. Money is taken only when the plugin has checked the order and captured the payment through the provider’s API: if the amount has changed or the order was cancelled, nothing is captured.

What the buyer sees

At checkout the buyer sees “Pay in 4 with Afterpay”, with a note that the payment is completed on the Afterpay page, and “Zip — own it now, pay later”. After “Place order” they go to the provider’s page, confirm the payment plan and come back to the thank-you page. On the product page and in the cart the plugin adds Afterpay’s pay-in-4 messaging and the Zip widget.

If the buyer leaves the Afterpay page without paying, they see that nothing was charged and they can try again or pick another method. If Zip refers the application for review, the thank-you page explains that the order is saved and will be confirmed once the payment is approved.

What the admin gets

In the Afterpay settings you enter the Merchant ID and Secret Key for test and live mode, and the plugin reads the amount limits and currency from the account. The Zip settings take the API key and limits. A connection check shows whether the provider accepted the keys.

Every payment attempt leaves a note with the payment ID. The “Re-check the … payment” order action asks the provider again if the buyer closed the tab before coming back. Pro adds a refund button, delayed capture (for example when the order becomes “Completed”), a watchdog that captures approved payments every 15 minutes and warns before an authorisation runs out, and a journal of all payments.

How it works, step by step

1. Enter your Afterpay or Zip keys and check the connection.
2. The buyer picks Afterpay or Zip at checkout.
3. The plugin creates a checkout at the provider and sends the buyer to its page.
4. The buyer confirms the payment plan and comes back to the shop.
5. The plugin checks the order, the amount and the payment method.
6. The payment is captured through the API, and only then the order becomes paid.

Under the hood

• Afterpay: API v2, a checkout per attempt, capture with a token check.
• Zip: Merchant API, a charge with an idempotency key, so a lost answer never causes a second charge.
• The order is locked while capturing and the HPOS cache is cleared.
• A second approved attempt on the same order is never captured.
• Secrets are stored encrypted and never written to the log.

How to install

1. Plugins → Add New → Upload Plugin: pick the zip and activate.
2. WooCommerce → Settings → Payments → Afterpay / Clearpay: enter the Merchant ID and Secret Key and keep test mode.
3. For Zip, enter the API key in the Zip method settings.
4. Run the connection check, make a test payment and switch to live mode.
5. For Pro: paste the key or start the 7-day trial.

The module is not on wordpress.org yet: the free version and Pro are one archive from this page. Without a key it works as the free version.