Hutko — card payments and PUMB instalments for WooCommerce

Hutko for WooCommerce is a payment plugin for accepting Visa/Mastercard, Apple Pay and Google Pay payments through Hutko acquiring. Payment happens on a secure Hutko page, and the order is confirmed without any action on your part: Hutko sends a server callback to the shop’s REST webhook, the plugin verifies the SHA1 signature and moves the order to “Processing” or “Completed”. An order is closed as paid only once the money has actually gone through.

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 plugin 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.

How it works, step by step

1. The customer chooses “Card payment (Hutko)” at checkout — classic or block-based — and places the order.
2. The plugin signs the request and redirects the customer to a secure Hutko payment page.
3. After payment, Hutko sends a signed callback to the wc-hutko/v1/webhook REST route.
4. The plugin verifies the SHA1 signature and automatically sets the configured status on the order.
5. If the customer returns to the site before the callback arrives — the plugin itself reconciles the transaction status via the Status API.
6. PUMB instalments: the customer picks this option, enters the phone number linked to the PUMB app on the Hutko page, chooses the number of payments and confirms the instalment plan in the app. Until it’s confirmed, the order awaits payment with a note; as soon as the bank approves, a callback arrives and the order becomes paid in full.
7. With Pro: the held amount is captured the moment the order is completed, and refunds are made from the order screen or the 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.

How much it costs

890 UAH — a one-year licence. A year of updates, technical support and access to all Pro features. No auto-charges: renewal is always manual, and we never store card details.

You can take a longer term straight away — the longer it is, the cheaper each year works out:

• 1 year — 890 UAH
• 2 years — 1,690 UAH (−5%, 845 UAH per year)
• 3 years — 2,350 UAH (−12%, 783 UAH per year)
• 4 years — 2,920 UAH (−18%, 730 UAH per year)
• 5 years — 3,340 UAH (−25%, 668 UAH per year)

Once the term expires, only updates and new features stop — Pro features keep working, the free version keeps running, and your settings and data don’t go anywhere. To reopen Pro, simply renew the licence in your account. We’ll remind you by email 14, 7, 3 and 1 day before it ends.

One key — two sites: your store and a staging copy. Moving the shop, deactivate the licence on the old domain and activate it 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, the gateway settings have a “Try Pro free for 7 days” button — enter your email and get a key for 7 days straight away (no card needed). 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

• A dedicated REST route for callbacks — wc-hutko/v1/webhook; every request goes through SHA1 signature verification before any change is made to the order.
• server_callback_url is sent with every payment — no need to enter it manually in the Hutko account.
• The secret key is stored encrypted in the database, not in plain text in the options table.
• HPOS and block-checkout compatibility is declared via WooCommerce FeaturesUtil — the plugin is ready for modern Woo installs.
• Instalments are the same Hutko: the plugin sends payment_systems=installments, so the payment page opens straight on PUMB instalments. The callback, SHA1 signature and status reconciliation are the same as for cards; the order stores which Hutko method the payment went through.
• Amount limits are checked twice — when the list of payment methods is built and again before redirecting to the bank, in case the cart was changed on the checkout page.
• Logging in WooCommerce → Status → Logs — every request and response is visible when resolving a disputed payment.

How to install

1. Plugins → Add New → Upload: choose hutko-for-woocommerce-1.2.2.zip and activate the plugin.
2. Open WooCommerce → Settings → Payments and enable Hutko.
3. Leave “Test mode” on for a first check: payments go through Hutko’s public test merchant, no real money moves.
4. For live mode, enter the Merchant ID and secret key from the Hutko account.
5. For instalments: once the service is enabled at hutko, open WooCommerce → Settings → Payments → “Hutko — PUMB instalments”, enable it and adjust the amount limits if needed.
6. For Pro: after purchase, paste the licence key from the email into the gateway settings.