Payments with CM.com for WooCommerce — iDEAL | Wero, cards, Bancontact (Netherlands)

Payments with CM.com for WooCommerce takes the shop payments through the Dutch payment service CM.com (Online Payments): the buyer goes to the secure CM.com page, pays with iDEAL | Wero, a card, Bancontact or another method active on your CM.com account, and comes back to the shop. The order is confirmed from CM.com’s own answer, and the admin sees the transaction, the status and the actions right in the order.

What you need from CM.com. Your own CM.com Online Payments merchant account and its credentials: a client ID and a client secret. For the test environment the CM.com support team sets up an account with credentials. The payment methods the buyer sees on the CM.com page are switched on in your CM.com account. CM.com charges its fees under your own agreement.

What the buyer gets

At the checkout the buyer sees the method “iDEAL | Wero, card or other method” with a note that the way to pay is chosen on the secure CM.com page. After placing the order the buyer goes to the CM.com page, pays there and comes back to your site. The CM.com page speaks the language of your site (Dutch or English), and the payment description carries the shop name and the order number.

With Pro, each way to pay can be shown at the checkout as its own method: iDEAL | Wero, card, Bancontact, Apple Pay, Google Pay, Klarna and in3. The buyer picks one in your shop and the CM.com page opens with only that method. For Klarna and in3 the module sends the order lines (products, shipping, fees, VAT) so that they add up to the order total exactly. in3 is offered from 50 euros and for orders in euros only, and the date of birth field is optional; it is there on the classic and on the block checkout. On the block checkout Apple Pay appears only in browsers that support it.

A cancelled, expired or declined payment does not break the purchase: the buyer is back at the checkout with a short message, the cart stays, the order becomes Cancelled or Failed, and another method can be tried. If the CM.com page cannot be opened, the buyer sees a plain sentence and the reason is written in the order note; a second attempt works on the same order.

What the admin gets

WooCommerce → CM.com: choose the test or the production environment, paste the client ID and the client secret and press “Check connection”. The secret is stored encrypted and is never shown back. The method is switched on in WooCommerce → Settings → Payments. An optional order number prefix helps when several shops share one CM.com account.

Nothing has to be registered at CM.com for webhooks: each transaction carries its own webhook address of your site. The webhook is only a trigger: the plugin asks CM.com about the transaction and compares the paid amount and currency with the order before it marks the order paid. The same check runs when the buyer returns to the thank-you page or to the checkout, and from the button in the order. A cancelled or expired payment cancels the order, an authorized one puts it on hold until it is confirmed, and a second paid checkout of the same order and a chargeback are written in the notes.

The order gets a CM.com box: the transaction ID, the status, the payment method, the environment and a “Check status at CM.com” button.

What Pro adds

Separate methods at the checkout. iDEAL | Wero, card, Bancontact, Apple Pay, Google Pay, Klarna and in3: each is its own WooCommerce method with a title, a description and a place in the list that you set yourself. Works on the classic and on the block checkout.

Klarna and in3. The order lines made of products, shipping, fees and VAT add up exactly to the order total, also with a coupon and discounts. in3 starts at 50 euros, in euros, with an optional date of birth. When the lines cannot be made to add up (for example a negative fee), the method honestly refuses the order with a message to the buyer.

Methods on the CM.com page. For the main method you choose which payment methods the CM.com page offers; with none chosen it shows all methods of your account except Klarna and in3.

Refunds. A full or partial refund from the WooCommerce order becomes a refund at CM.com. If you try to refund more than is left, the CM.com error is shown right in the refund dialog and WooCommerce records nothing. When CM.com reports a refund as paid out, failed or cancelled, it appears once in the order notes.

Payment time. From 5 to 60 minutes; after that the CM.com session expires and the order is cancelled.

Hourly background check. Once an hour the plugin asks CM.com about payments that are still waiting, so a lost webhook does not leave an order without a status.

Journal. The latest calls to CM.com and the webhooks that came in, with results in words; no access data and no customer data.

How it works, step by step

1. Install the plugin and activate it (WooCommerce must be active).
2. Get the client ID and the client secret of your Online Payments account at CM.com.
3. In WooCommerce → CM.com choose the environment, paste the credentials and press “Check connection”.
4. In WooCommerce → Settings → Payments switch on “CM.com Payments” and place a test order.
5. With Pro, switch on the separate methods, choose what the CM.com page offers and set the payment time.

Under the hood

• CM.com Online Payments API (OAuth 2.0, client credentials): creating a transaction on the hosted CM.com page, reading the transaction, refunds.
• The CM.com test and production environments are switched in the settings; webhooks, refunds and checks only act on payments of the current environment.
• A webhook at an address of your site with its own key for each transaction; the status is set from CM.com’s answer, not from the content of the request.
• Repeated webhook deliveries do not duplicate notes and do not change the state twice.
• Card data never reaches your server: it is collected on the CM.com page.
• The client secret is encrypted in the database and never shown in the interface.

How to install

1. Plugins → Add New → Upload Plugin: choose the zip and activate.
2. WooCommerce → CM.com: paste the client ID and the client secret, press “Check connection”.
3. In the payment settings switch on “CM.com Payments”.
4. For Pro: paste the licence key or start the trial in the “Licence” section on the same page.