Rotessa PAD Payments for WooCommerce — pay from a Canadian bank account

Rotessa PAD Payments for WooCommerce adds pre-authorised debit (PAD) from a Canadian bank account to your checkout through Rotessa. For shops in Canada. Rotessa lists only QuickBooks Online, Xero and Zapier on its integrations page (checked 2 November 2026): there is no WooCommerce connector.

This module has never run against the real Rotessa. We had no Rotessa key (Rotessa approves its sandbox by hand), so nothing was ever sent to it.

What the free version does

The payment method works on the classic and the block checkout: account holder name, institution (3 digits), transit (5 digits) and account numbers, and a checkbox with the PAD agreement text. The buyer never types a card. The order creates a customer and a debit schedule in Rotessa and stays On hold until the bank approves the debit; the buyer sees the date of the first debit after checkout. The order action Check the Rotessa payment status can be run by hand. Wrong numbers, an unticked agreement, a Rotessa refusal or an outage give the buyer a plain message and the owner a note with the code, never with bank numbers. The API key is never printed back to the page.

What Pro adds

An hourly automatic status check: approved debits move the order to paid without a click, declined ones to Failed with the bank’s reason. Instalment plans (we checked 2 and 3 debits on an uneven total: the customer is charged exactly the order total, and if Rotessa refuses the second schedule the first one is deleted so no half plan is left). US accounts (ACH) and other intervals are part of the Pro settings, but we did not run them. Without a licence these fields change nothing: plans typed there are not offered to the buyer (checked).

How it works, step by step

1. In the Rotessa portal create an API key (“Create API Key”); for a trial use a sandbox key.
2. WooCommerce → Payments → Rotessa: enable the method, paste the key and, if needed, tick Sandbox.
3. The shop must use CAD; place a test order.
4. Look at the customer and the schedule in Rotessa, then press Check the Rotessa payment status in the order.

Under the hood

• The amount sent to Rotessa is in dollars with two decimals; an uneven total is split so the customer is charged exactly the order total.
• Account and institution numbers never reach notes or the log.
• HPOS compatible; languages: English, français (Canada).

How to install

1. Plugins → Add New → Upload Plugin: choose the zip and activate it.
2. WooCommerce → Payments → Rotessa: the API key.
3. Enter the service credentials and test the connection.
4. Try one test order before you switch the automation on.

The module 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.