French Bank Payments for WooCommerce — Up2pay e-Transactions, Monetico and Systempay in one plugin

French Bank Payments for WooCommerce takes card payments through the payment pages of the big French banks: Up2pay e-Transactions (Crédit Agricole), Monetico (Crédit Mutuel and CIC) and Systempay (Banque Populaire and Caisse d’Épargne). Switch on the bank of your merchant contract, or several, and the buyer picks one. Works on the classic and the block checkout, with HPOS.

An order becomes paid only from what the bank signed, and only when the amount and the currency match. The free version: all three banks, Test and Production, a waiting screen, a new attempt after a refusal. Pro: refunds from the order screen, a payment journal and order-total limits per bank.

What the buyer sees

The buyer picks “Credit card — Up2pay e-Transactions”, “Monetico” or “Systempay”, presses pay and enters the card on the secure page of the bank, with 3-D Secure. After paying they land on the thank-you page; if the bank has not confirmed yet, the page says it is waiting and refreshes by itself. A refusal or a cancellation brings them back to the pay page with a plain message, the cart is kept, and they can try again or choose another method.

What the admin gets

WooCommerce → French Bank Payments shows the three banks on one screen: on or off, Test or Production, the notification URL and the “Settings” and “Check connection” buttons. Each bank’s settings take the data from the bank’s welcome e-mail, the key, the reference prefix and the order status after payment. “Check connection” opens a payment page with your credentials on Up2pay’s platform, and checks Systempay’s REST password.

The order notes show every step: the buyer sent to the bank, the payment received with the transaction number and the last card digits, or the reason of a refusal. In Pro a refund, full or partial, is made from the order screen and sent to the bank, and the bank’s answer goes to the notes. The payment journal puts the three banks in one table.

How it works, step by step

1. You switch on the bank of your contract in WooCommerce → French Bank Payments and enter the data from the welcome e-mail and the key.
2. Monetico: you give the notification URL from the settings to the Monetico support. Systempay: you enter it in the back office. Up2pay: nothing to do, it goes with every payment.
3. The buyer picks the bank at checkout, and the plugin sends them to the bank’s page with a signed form.
4. The bank tells the shop the result; the plugin checks the signature, the amount and the currency, and only then sets the order to Processing.
5. In Pro a refund is made from the order screen, and the bank’s answer goes to the notes and the journal.

Under the hood

• Up2pay: the form is signed with HMAC-SHA512, the bank’s answers are checked against the platform’s RSA public key.
• Monetico: form version 3.0 with MAC, the 3-D Secure order context with every payment.
• Systempay: HMAC-SHA-256 (or SHA-1 for old shops) for the form, the notification and the buyer’s return.
• The notification and the buyer’s return arrive in the same second: a lock records the payment once — one note, one stock reduction.
• A different amount or currency puts the order on hold with a note instead of shipping it.
• Each payment attempt has its own reference with your prefix, so two shops on one contract never collide.
• Keys are stored encrypted; errors always go to the WooCommerce log (source french-bank-payments). French translation included.

How to install

1. Plugins → Add New → Upload Plugin: choose the zip and activate it.
2. WooCommerce → French Bank Payments: open the bank of your contract.
3. Choose the environment, enter the data from the bank’s welcome e-mail and the key, save and press “Check connection”.
4. Monetico and Systempay: give the notification URL to the bank as the settings explain.
5. Make one payment with a test card of your bank in the Test environment, then switch to Production.
6. For Pro: paste the key or start the 7-day trial on the French Bank Payments page.

The “Download free” button gives the full archive: without a key all three banks work, and refunds, the journal and the limits switch on with a Pro key or the trial.