Pay Later LatAm for WooCommerce — Addi, Kueski Pay and Aplazo: pay in instalments in Colombia and Mexico

Pay Later LatAm adds three buy now, pay later services to WooCommerce: Addi for Colombia (COP) and Kueski Pay and Aplazo for Mexico (MXN). Each is a payment method of its own. The buyer applies on the provider’s page, the shop receives the full amount from the provider, and the buyer pays the provider in instalments. Classic and block checkout, HPOS.

An order becomes paid only when the provider itself confirms the payment, never because the buyer’s browser came back to a “success” address. The free version: all three providers, test and live mode, “Check connection”, the “Re-check the payment” action. Pro: refunds from the order screen, a payment watchdog, the “Pay in instalments with …” line under the price, excluded categories and a payment journal.

What the buyer sees

The buyer sees only the methods that fit the shop currency and the country: Addi in COP for Colombia, Kueski Pay and Aplazo in MXN for Mexico, within the totals you set. For Addi the buyer types the cédula de ciudadanía right in the payment method, or the plugin takes it from a field your checkout already has. Then the provider’s page, the application, and back to the shop. The thank-you page waits for the confirmation and updates itself. A decline or a cancellation brings the buyer back to the order payment page with a plain message, and they can pick another method.

What the admin gets

WooCommerce → Settings → Payments: Addi, Kueski Pay and Aplazo, each with its own test and live keys. “Check connection” asks the provider with the keys on the screen, even before you save, and shows the order limits of the Kueski Pay account. For Addi the plugin shows the callback URL, user name and password you give Addi.

The order notes show every step: the buyer sent to the provider, the payment confirmed with the amount and the payment ID, or the reason of a decline. An amount that does not match puts the order on hold instead of shipping it. If the buyer paid and closed the tab, the “Re-check the payment” action asks the provider again. In Pro the payment watchdog does it every 15 minutes, and refunds are made from the order screen.

How it works, step by step

1. You switch on the providers you need in WooCommerce → Settings → Payments and enter the keys the provider gave you.
2. Addi: you give Addi the callback URL, user name and password from the settings. Aplazo gets the webhook URL with every loan by itself; Kueski Pay needs nothing.
3. The buyer picks the method at checkout and applies on the provider’s page.
4. Addi sends the result by callback, Aplazo by webhook, after which the plugin asks the API for the loan status itself, and the Kueski Pay payment is read from the API. Only then, and only if the amount matches, the order becomes paid.
5. In Pro a refund is made from the order screen, and the provider’s answer goes to the notes and the journal.

Under the hood

• Addi: the callback is checked against the user name and password agreed with Addi, and the approved amount is compared with the order.
• Aplazo: the webhook only triggers a loan status request to the Aplazo API, so a forged webhook cannot mark a payment.
• Kueski Pay: the payment is read from the API by its ID; each attempt has its own idempotency key.
• One lock per order: a callback, a webhook and the buyer’s return arriving together record the payment once — one note, one stock reduction, one set of e-mails.
• A new attempt first checks the previous one: if it was paid meanwhile, the order is settled without a second charge; an unpaid Aplazo loan is cancelled at Aplazo.
• Keys are stored encrypted with the keys of your WordPress installation. Languages: English, Spanish (Colombia) and Spanish (Mexico).

How to install

1. Plugins → Add New → Upload Plugin: choose the zip and activate it.
2. WooCommerce → Settings → Payments: open Addi, Kueski Pay or Aplazo.
3. Turn the test mode on, enter the test keys, press “Check connection”, enable the method and save.
4. Addi: give Addi the callback URL, user name and password from the settings.
5. Place a test order, then turn the test mode off and enter the live keys.
6. For Pro: paste the key or start the 7-day trial in the settings of any of the three methods.

The “Download free” button gives the full archive: without a key all three providers work, and refunds, the watchdog, the line under the price, excluded categories and the journal switch on with a Pro key or the trial.