Hutko — card payments and PUMB instalments for OpenCart 2.3, 3.x and 4.x

Hutko for OpenCart is a payment module that accepts Visa and Mastercard payments through Hutko acquiring in shops on OpenCart 2.3, 3.x and 4.x. Card entry happens on a secure Hutko page, and the result is returned to the shop as a signed server callback: the module verifies the SHA1 signature and sets the correct order status itself. Paid and unpaid orders are separated automatically, with no manual reconciliation against the Hutko account.

Since version 1.2.0 — PUMB instalments too. PUMB has no separate API for online instalments: the bank sells them through its own hutko service. The module adds a separate payment method at checkout, and the customer lands straight on the Hutko page with PUMB instalments — up to 24 payments, confirmed in the bank’s app. The shop receives the full amount at once, and the bank carries the risk of non-repayment. Works on OpenCart 4, 3 and 2.3.

How it works, step by step

1. At checkout, the customer chooses “Card payment (Hutko)” and confirms the order.
2. The module builds a signed request and sends the customer to a secure Hutko payment page.
3. Hutko processes the payment and sends the shop a server callback with an SHA1 signature.
4. The module verifies the signature — and the order gets the right OpenCart status without the manager’s involvement.
5. On the customer’s return, the status is additionally reconciled, so an order becomes “paid” only after the money has actually gone through.
6. PUMB instalments: on the Hutko page the customer enters the phone number linked to the PUMB app, chooses the number of payments and confirms the instalment plan in the app. Until it’s confirmed, the order awaits payment with a note in its history; as soon as the bank approves, a callback arrives and the order gets the “paid” status for the full amount.
7. With Pro: a blocked preauth amount is captured when you move the order to a completed status, and refunds are done from the payment log.

PUMB instalments: terms

• From 3 to 24 payments with no fee for the customer; the first payment is due in 30 days.
• Purchase amount from 500 to 300,000 UAH; the actual limit depends on the customer’s credit history and the limit on their PUMB card.
• The shop receives the full amount to its PUMB account on the next business day; the bank carries the risk of non-repayment.
• What the shop needs: a PUMB business account, a Hutko merchant and a request to hutko support to enable the service. The bank’s terms and fees are on the hutko.org page on PUMB instalments; the bank sets them and they may change.
• Until the service is enabled, Hutko won’t create such a payment; the customer will be asked to choose another payment method.
• Instalments are included in the free version of the module.

How much it costs

1,490 UAH — one-off purchase. The licence is perpetual: you pay once, updates and technical support are included in the price. One key covers two sites: your store and a staging copy.

Moving the shop to another domain? Deactivate the licence in the module’s settings on the old domain and activate the same key on the new one yourself, without contacting support.

Trial first, then payment. A fresh install is a plain free version: nothing Pro switches itself on. When you want to see Pro in action, click “Try Pro” in the module’s settings and enter your email — a 7-day key arrives straight in the modal and is also sent by email. The payment log, preauth/capture and refunds can be tested on your own shop before you buy. That’s exactly why refunds after purchase aren’t offered — you see the module at work before you pay.

Under the hood

• Native code for OpenCart 4 — namespaces, Twig, the built-in installer; separate ports are built for OpenCart 3 and 2.3, not one archive “for all versions”.
• The secret key is stored encrypted (AES-256-CBC + HMAC), tied to the installation — a database dump won’t expose the key in the clear.
• A callback without a valid SHA1 signature is rejected — an order’s status can’t be changed by an outside request.
• Instalments are the same Hutko: the module sends payment_systems=installments, so the payment page opens straight on PUMB instalments. The callback, SHA1 signature, status reconciliation and underpayment protection are the same as for cards. In OpenCart 4 it’s a second option of the Hutko method; in OpenCart 3 and 2.3 it’s a separate payment extension, “Hutko — PUMB instalments”.
• Soft Pro gate: Pro fields are always visible, but greyed out without a key — it’s immediately clear what the licence unlocks. Once the trial ends without a key, only the Pro features switch off — free payment acceptance never stops.

How to install

1. Extensions → Installer: upload hutko.ocmod.zip. For OpenCart 3.0.x take hutko-oc3-1.2.1.ocmod.zip, for OpenCart 2.3 — hutko-oc2-1.2.1.ocmod.zip from the product downloads.
2. OpenCart 2.3: the built-in Installer in this version only copies files via FTP, so the contents of the upload/ folder from the archive are uploaded to the shop root using a file manager or SFTP — the core is not overwritten in the process.
3. In Extensions → Payment, find Hutko and click “Install”, then open its settings.
4. Enable the module and leave test mode on for the first check — payment goes through a public test merchant.
5. For live payments, turn off test mode and enter the Merchant ID and secret key from the Hutko account.
6. PUMB instalments: once the service is enabled at hutko, in OpenCart 4 open the “PUMB instalments” tab in the Hutko settings; in OpenCart 3 and 2.3 install “Hutko — PUMB instalments” under Extensions → Payments. Enable it and adjust the amount limits if needed.
7. For Pro: enter the licence key from the email after purchase — the log and extended features appear instantly, with no reinstall.