Younited Pay for WooCommerce — pay in installments for France

Younited Pay for WooCommerce adds a payment method “Payer en plusieurs fois avec Younited Pay” to the checkout: the buyer picks one of the plans Younited offers for the cart amount (split into 2-4 payments or a loan over several months) and applies on a secure Younited page. The module works directly with your own Younited merchant account, with no middleman. It works with the classic and block checkout and HPOS. The module interface is in English and French.

What the free version does

All settings live in one place: WooCommerce → Younited Pay. Pick sandbox or production and enter the Client ID, the Client secret (stored encrypted) and the Shop code. “Vérifier la connexion” fetches a token, lists the active shops of your account and fills in the online one. “Afficher les offres pour ce montant” shows which plans Younited returns for any amount; the numbers of payments in the plans are a list, 3, 4 and 10 by default. At the checkout the plans under the method are exactly those Younited returned for the cart amount: instalment, first instalment, total, cost, fixed rate and APR (TAEG), with the standard credit reminder. Younited computes these figures, the module does not. The payment is created with the basket, shipping, coupons, contacts and addresses of the buyer, and the buyer goes to the Younited page. When the buyer comes back, the status is read from Younited: a refusal or cancellation sends them to the order-pay page with a plain message, and they can pay again or another way. The notification address is sent with every payment, so nothing is registered in the portal; a notification is only a reason to read the payment from Younited again, and with the webhook signature key (HMAC-SHA256) unsigned calls are refused. The order has a box with the payment, plan and status, a “Vérifier le statut du paiement” button and an “Exécuter le paiement” button for an accepted personal loan; split payments are executed by Younited itself.

What Pro adds

The installment line “ou 3× … avec Younited Pay” under the price on the product page, the plans for the cart total in the cart, and the shortcode [younited_pay_instalments] for any page; the amounts come from Younited and are kept for six hours. Refunds from WooCommerce, full and partial, go to Younited; refunds made in the Younited portal are recorded in the order. Automatic execution of an accepted loan when the order becomes Completed or right after acceptance. Cancelling the payment at Younited when the order is cancelled, plus an “Annuler chez Younited” button and a button for a new application link. Every 15 minutes a background check asks Younited about open payments of the last 30 days. Your own order amount range, excluded product categories and a Shop code for each billing country. An event journal, a 30-day report by status and a CSV export.

Good to know before you start

• You need a merchant contract with Younited and the data from the Younited Pay portal: Client ID, Client secret and Shop code. Conditions, limits and the cost for the buyer are set by Younited.
• The module works in euros only: the shop currency must be EUR, and the order amount from 1 to 100,000.
• A personal loan has to be executed after approval. In Free that is the “Exécuter le paiement” button in the order; in Pro it happens automatically by order status or right after approval. Younited executes split payments.
• Without the webhook signature key a notification only triggers a fresh read of the payment from Younited; refund and loan-withdrawal events without a signature are not processed.
• Plans, cost and APR belong to Younited. The credit reminder under the plans is a standard text and does not replace legal advice.
• If a buyer abandons the application and Younited sends no cancellation, the order stays on hold. The Pro check every 15 minutes picks up missed notifications, not abandoned applications.
• The installment line in the Pro block cart hides when the cart total changes without a page reload.
• The shop must be reachable from the internet over HTTPS: Younited returns the buyer and sends notifications to the shop address.

How it works, step by step

1. Take the Client ID, Client secret and Shop code from the Younited Pay portal.
2. In WooCommerce → Younited Pay pick the environment, enter them and press “Vérifier la connexion”.
3. Press “Afficher les offres pour ce montant” to see the Younited plans for an amount.
4. Enable Younited Pay in WooCommerce → Settings → Payments and paste the webhook signature key if you have one.

Under the hood

• Younited Pay API 2026-02-01: OAuth2 token, plan offers, payment creation, reading a payment, execution, cancellation and refunds; notification format 2025-01-01.
• Younited notifications are signed with HMAC-SHA256; each one only triggers a fresh read of the payment, the order status follows the API answer; a repeated notification adds no second note.
• If the executed amount differs from the order total, the order does not become paid but goes on hold with a note.
• The client secret and the webhook key are stored encrypted; compatible with HPOS and the classic and block checkout; language: English and French.

How to install

1. Plugins → Add New → Upload Plugin: choose the zip and activate it.
2. WooCommerce → Younited Pay: environment, Client ID, secret, Shop code, “Vérifier la connexion”.
3. Save the settings and look at the plans for an amount.
4. Enable the Younited Pay payment method.

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.