Seamless ACH for WooCommerce

Enhance your WooCommerce store with Seamless ACH, a powerful plugin for accepting secure, streamlined ACH payments using Plaid-verified bank accounts. Seamless ACH integrates seamlessly with WooCommerce and leverages Plaid’s trusted bank authentication flow—allowing customers to pay directly from their bank accounts using their online banking credentials.

Key Features

With Seamless ACH, you can improve conversion rates, simplify payment operations, and offer a modern ACH checkout experience.

Setup Instructions

1. Create a Seamless ACH Account

You must have a Seamless ACH account to use the plugin. Sign up or log in to your account here.

2. Install the Plugin

• Log in to your WordPress Admin Dashboard
• Navigate to** Plugins → Add New**
• Click** Upload Plugin**
• Upload the downloaded** Seamless ACH.zip** file
• Click** Install Now**, then** Activate** (The plugin version available for download is shown here:** Download Seamless ACH** from the SeamlessChex product site.)

3. Configure the Plugin

After activation:

• Navigate to** Seamless ACH Settings** in your WooCommerce admin panel
• Enter your Seamless ACH API keys, found in your Seamless ACH Dashboard under** Settings** → API
• Select the correct mode: - Sandbox for testing - Live for production
• Configure additional options, including webhook URL, payment method name and description, payment frequency, and authorization behavior.

Webhook Configuration (Recommended)

For automatic order status updates:

• In WooCommerce Seamless ACH settings, set** Update Order Statuses** to** Webhook**
• In your Seamless ACH Dashboard, go to** Settings → API**
• Paste the WooCommerce webhook URL into the** Webhook URL** field and click** Save**

You may optionally disable auto-updates and manually refresh payment statuses using** Update Seamless ACH Status** on the WooCommerce** Orders** page.

Order Status Behavior

API Keys and Security

Sandbox Mode

• Prefix: sk_test_
• Use for testing and development
• Supports test transactions only
• Must be stored securely even in test mode

Live Mode

• Prefix: sk_
• For real, production transactions
• Must be handled with caution to avoid leaks or financial exposure

Key Rules

Secret keys must** only be used server-side** and never be exposed to the client.

Whitelist Seamless ACH IPs and Domains

Add the following to your firewall or allowlist, if applicable:

Domains:

• https://api.seamlesschex.com/ach/
• https://dashboard.seamlesschex.com/ach/

IP Addresses:

• 54.91.177.147
• 35.168.136.199
• 52.86.225.5
• 52.54.42.180

Enable Seamless ACH in WooCommerce

• Go to** WooCommerce → Settings → Payments**
• Enable** Seamless ACH** as a payment method
• Save changes

Test the Installation

• Set API mode to** Sandbox**
• Create a test order on your site
• Confirm: - The order appears in WooCommerce - The transaction appears in your Seamless ACH Dashboard - Status updates and webhooks function correctly m:

Go Live

Once testing is successful:

• Switch to** Live Mode**
• Enter your live API keys
• Save settings

Seamless ACH will now appear as a live ACH payment option at checkout. All transactions and settlements can be reviewed in your Seamless ACH Dashboard.

External Services: Plaid Integration

Seamless ACH integrates with** Plaid**, a trusted leader in bank verification services and a long-standing partner of Seamless ACH. During checkout, customers interact with a secure Plaid iframe where they authenticate with their bank and authorize the payment. Plaid handles all verification and authentication, and Seamless ACH does not store bank login credentials or account numbers.

For more details, review Plaid’s agreements and policies:

• Plaid End User Services Agreement
• Plaid Privacy Policy

Installation Requirements and Compatibility

Prerequisites:

• A valid Seamless ACH Account
• WordPress version 4.7 or higher
• WooCommerce installed and active

After installation and configuration, your WooCommerce store will be ready to accept secure, Plaid-verified ACH payments with Seamless ACH.

Screenshots

Frequently Asked Questions

Do I need a US bank account?

Yes, a US business checking account is required for all Seamless ACH accounts.

What documents are required?

EIN Letter, Drivers License, Last month’s bank statement, Voided Check.

When will I get my funds?

This is dependent on the funding speed enabled on your merchant account. With same-day ACH, you’ll receive funds within 2 business days, and with standard ACH you’ll receive funds within 4 business days.

How can I process a refund?

You can initiate a refund once the transaction is paid. You can cancel a transaction as long as the payment has not yet been exported. The timing of when the payment is exported depends on the funding speed selected (standard or same-day). You can check the** Exported By** timelines here.

How can I cancel a transaction?

You can cancel a transaction as long as the payment has not yet been exported. The timing of when the payment is exported depends on the transaction type (debit/credit) and the funding speed selected (standard or same-day). You can check the** Exported By** timelines here. RTP credits cannot be cancelled.

Ready to connect with Seamless ACH Plugin?