Ratepay for WooCommerce — pay by invoice and SEPA direct debit on the Ratepay page

Ratepay Payments for WooCommerce adds “buy now, pay later” through Ratepay to WooCommerce: the buyer is sent to the Ratepay page (Hosted Payment Page), chooses invoice or SEPA direct debit and confirms the details. Ratepay checks the risk; the shop never sees bank data.

This module has never run against the real Ratepay.

What the buyer sees and what the shop does

The buyer chooses “Pay later with Ratepay”, goes to the Ratepay page and comes back. The order changes only after the plugin has read the session result from Ratepay itself: coming back in the browser proves nothing. If the buyer closes the tab, the status is picked up from the thank-you page or from the webhook (Pro).

After shipping, the payment is captured from the order; cancelling and refunding also work from the order. A partial WooCommerce refund goes to Ratepay: a captured amount is refunded, an uncaptured one is cancelled.

What the admin gets

In the settings you enter the client ID, secret and partner shop ID from Ratepay and can check the connection. The secret is stored encrypted and never printed back on the page. The basket is checked against the tolerance Ratepay allows; a hard rejection (for example credit risk) hides the method for that buyer in the current session.

What Pro adds

Automatic capture when the order is Completed and cancellation when it is Cancelled or Failed, tracking numbers, business customers, a webhook with signature check, a watchdog for unpaid orders and a payment journal.

How it works, step by step

1. Ratepay gives you a client ID, secret and partner shop ID (integration ones for tests).
2. You enter them in the plugin and check the connection.
3. The buyer chooses Ratepay, lands on the Ratepay page and confirms.
4. The plugin reads the session result at Ratepay and only then changes the order.
5. After shipping you capture the payment from the order (or Pro does it for you).

Under the hood

• Every request to Ratepay carries a stable idempotency key: a lost answer cannot create a double payment.
• The secret is encrypted and never printed on the settings page.
• Works with HPOS and with classic and block checkout.
• The plugin stores no card or account data: it is entered on the Ratepay side.

How to install

1. Plugins → Add New → Upload Plugin: pick the zip and activate.
2. WooCommerce → Settings → Payments → Ratepay: enter the credentials and check the connection.
3. Ask Ratepay to switch on the Hosted Payment Page and give them the return addresses (they are built per order).
4. Work in the Ratepay integration environment first.
5. For Pro: paste the key or start the 7-day trial.

The plugin 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.