Enhance your WooCommerce store with Paynote, a powerful plugin for accepting secure, streamlined ACH payments using Plaid-verified bank accounts. Paynote 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.
With Paynote, you can improve conversion rates, simplify payment operations, and offer a modern ACH checkout experience.
You must have a Paynote account to use the plugin.
Sign up or log in to your account here.
After activation:
For automatic order status updates:
You may optionally disable auto-updates and manually refresh payment statuses using Update Paynote Status on the WooCommerce Orders page.
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sk_test_sk_Secret keys must only be used server-side and never be exposed to the client.
Add the following to your firewall or allowlist, if applicable:
Once testing is successful:
Paynote will now appear as a live ACH payment option at checkout. All transactions and settlements can be reviewed in your Paynote Dashboard.
Paynote integrates with Plaid, a trusted leader in bank verification services and a long-standing partner of Paynote. 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 Paynote does not store bank login credentials or account numbers.
For more details, review Plaid’s agreements and policies:
Prerequisites:
After installation and configuration, your WooCommerce store will be ready to accept secure, Plaid-verified ACH payments with Paynote.
Yes, a US business checking account is required for all Paynote accounts.
EIN Letter, Drivers License, Last month’s bank statement, Voided Check.
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.
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.
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.
