tbi bank Installments for WooCommerce — pay in instalments in Romania, Bulgaria and Greece

tbi bank Installments adds tbi bank instalment payments to WooCommerce for shops in Romania, Bulgaria and Greece. The buyer picks instalments at checkout and fills in the application on the tbi page; the bank decides and sends the decision to your site. The plugin checks the decision’s signature and changes the order status by itself: approved, refused or cancelled.

You need a merchant agreement with tbi bank: tbi Merchant Solutions issues the reseller code, reseller key and encryption key.

What the buyer sees

At checkout the buyer sees the “Rate prin tbi bank” method (you can change the name and text). After “Place order” they go to the tbi page and apply. The thank-you page explains that tbi is reviewing the application and the shop will confirm the order once the bank approves the financing.

If tbi refuses, the buyer sees a message about it on the order page. In Pro the order is not cancelled straight away: the buyer gets an e-mail with a link to pay for the order another way. If the tbi platform does not answer, the buyer stays at checkout with a message free of technical codes.

What the admin gets

In the WooCommerce settings you set the country of the agreement, the platform (live or test), the reseller code, reseller key and encryption key, and the “Check connection” button asks tbi for your merchant settings and shows the amount limits. The same screen shows your site address where tbi sends decisions, and the order statuses for review, approval and refusal.

The order screen shows the application number and the tbi status. In Pro a journal lists every application with its status history, and the orders list gets a tbi column.

How it works, step by step

1. Enter your tbi access data and check the connection.
2. The buyer picks tbi instalments at checkout.
3. The plugin sends the application with the items and the order total.
4. The buyer fills in the application on the tbi page.
5. tbi sends the decision to your site; the plugin checks the signature and decrypts it.
6. The order becomes “Processing”, “Cancelled” or “On hold” with a note.

Under the hood

• The application is encrypted with AES-256 and the merchant key, the same way as in the bank’s plugin.
• A bank decision is checked by an HMAC signature with a timestamp and a one-time code, and a replayed request is refused.
• An unknown tbi status is never treated as payment.
• A lock keeps two decisions from changing one order at the same time.
• The “Back” button on the tbi page does not create a new application.
• Buyer data and keys are never written to the log.

How to install

1. Plugins → Add New → Upload Plugin: pick the zip and activate.
2. WooCommerce → Settings → Payments → tbi bank installments: pick the country and the test platform.
3. Enter the reseller code, reseller key and encryption key, press “Check connection”.
4. Give your tbi manager the decision address from the settings if asked, and make a test application.
5. For Pro: paste the key or start the 7-day trial.

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.