WooCommerce Payments Start Up Guide

WooCommerce Payments is available to stores based in the US. Based outside the US? Request to be notified when it becomes available in your country.

WooCommerce Payments provides your store with:

  1. A payment gateway to accept credit and debit cards directly onsite; and
  2. A dashboard for managing transactions, including payments, refunds, disputes and deposits, integrated into your site’s WordPress administration area.

WooCommerce Payments is currently available only to merchants based in the US and selling in USD.

Requirements ↑ Back to top

  • PHP 7.0+
  • WordPress 5.3+
  • WooCommerce 4.0+
  • An SSL certificate to use the payment gateway in live mode

Installation ↑ Back to top

To install WooCommerce Payments:

  1. Go to Plugins > Add New on your WordPress site.
  2. Click the Upload Plugin button at the top of the screen.
  3. Select the woocommerce-payments.zip file from your local filesystem.
  4. Click the Install Now button.
  5. When installation is complete, you’ll see “Plugin installed successfully.”
  6. Click the Activate Plugin button at the bottom of the page.

To learn more about installing plugins from a Zip file, see Installing and Managing Plugins.

Get Started ↑ Back to top

After installing the plugin, to begin using WooCommerce Payments, you need to:

  • Follow the prompts to connect to a WordPress.com account.
  • Verify your business details with our payments partner Stripe.

To complete the verification process:

  1. Go to Payments.
  2. Click Verify details.
  3. Fill in all verification form fields.

Once you have completed the verification with Stripe, your site will be ready to accept credit and debit card payments onsite.

Step 1: Payments
Step 2 and 3: Verification at Stripe

Manage transactions ↑ Back to top

Many different types of transactions can occur with your store via WooCommerce Payments, including:

  • Deposit: Transfer of all or part of your account balance to your bank account or debit card.
  • Charge: A payment charged against a credit or debit card for a purchase.
  • Refund: Return of all or part of a charge to the card a customer used to pay for a purchase.
  • Dispute: Chargeback or inquiry lodged by a customer with their card provider over a charge placed with your store.
  • Dispute Reversal: Return of the fees and payment amount withdrawn after a dispute was opened.

With WooCommerce Payments, you can view and manage each of these different types of transactions within your WordPress dashboard.

Deposits ↑ Back to top

Deposits occur when a portion of your account balance is paid to your nominated bank account or debit card. WooCommerce Payments provides a list view and detail view of these deposits.

To access deposits, go to Payments > Deposits.

On this page, you can:

  • View estimated deposits details.
  • View the list of previous deposits.
  • View the transactions associated with given deposit.

If your account balance ever becomes negative, then a Withdrawal transaction type will be displayed on this screen. Withdrawals represent a debit from your bank account to cover the negative balance.

Example Payments > Deposits administration screen

Transactions ↑ Back to top

Many different types of transactions can occur with your site, including the authorization or capture of a charge, refunds and disputes. WooCommerce Payments provides a list view to access the information about all transactions on your site.

To access the transactions list view, go to Payments > Transactions.

On this page, you can:

  • View the list of previous transactions.
  • Sort the list by date, amount, fees and net revenue.
  • Filter the list by date and type.
  • View the details of a specific transaction.
Example Payments > Transactions administration screen

Disputes ↑ Back to top

A dispute is a chargeback or inquiry from a card issuer about a charge. Disputes occur when your customer questions a transaction with their card issuer.

You can view and respond to a dispute, and potentially overturn it, from within WooCommerce Payments.

To view the disputes, go to Payments > Disputes.

On this page, you can:

  • View the list of disputes made on payments processed with WooCommerce Payments.
  • View the status and other details of a specific dispute.
  • Respond to a dispute while it has the status Needs response, by choosing to either:
    • Accept the Dispute, and charge associated with it; or
    • Challenge the Dispute, by submitting evidence required to overturn it.

Learn more about challenging disputes, and evidence required to overturn different types of disputes, in the dispute response guide.

Payments > Disputes administration screen screenshot
Example Payments > Disputes administration screen

Refund a payment ↑ Back to top

If a customer contacts you to request a refund, and your refund policy permits it, you can refund the payment from within your WordPress administration dashboard.

To refund a payment:

  1. Go to WooCommerce > Order.
  2. Search for the customer by email or name.
  3. Click the order ID & customer name.
  4. Click Refund.
  5. Enter the refund amount & reason (optional).
  6. Click Refund via WooCommerce Payments.

The charge amount plus transaction fees will be deducted from your account balance and returned to the customer’s original payment method.

Edit Order Screen refunding an order

Manually capture an authorized charge ↑ Back to top

If the Manual Capture setting is enabled, you will need to manually capture charges authorized on checkout.

To manually capture an authorized charge:

  1. Go to WooCommerce > Orders and find the order associated with the charge
  2. Click Choose an action
  3. Click Capture charge
  4. Click Update

Importantly, you need to capture funds manually within 7 days of the order being placed, otherwise the authorization will be canceled alongside the order.

Capture charge action on the WooCommerce > Edit Order screen

Settings ↑ Back to top

To change your store’s configuration:

  1. Go to: Payments > Settings
  2. Adjust settings
  3. Click Save changes

Each setting available on this screen is explained in more detail below.

WooCommerce Payments Settings administration screen

Enable/disable ↑ Back to top

Disable WooCommerce Payments to stop accepting credit cards on checkout using this payment gateway. You will continue to be able to access the Deposits, Transactions and Disputes administration screens after WooCommerce Payments is disabled.

Account ↑ Back to top

Your WooCommerce Payments account information is securely stored and managed with our partner, Stripe. Once you have completed account set up, WooCommerce Payments provides a link to access the Stripe dashboard through which you can view and update the following business information:

  • The operating name of your company or Doing business as name
  • Physical address
  • Phone number
  • Website
  • Industry your business operates in
  • Ownership information, including adding or removing owners, and beneficiaries

Account status ↑ Back to top

Your WooCommerce Payments account can have a variety of statuses, including: Complete, Enabled, Restricted, or Rejected. Your account’s status, along with any action required to restore it to a Complete status will be displayed here.

Your WooCommerce Payments account also has two capabilities:

  • Payments: When enabled, your account can process payments via your store’s checkout. On some accounts, payments may be restricted.
  • Deposits: Your account balance will be paid to your nominated bank account or debit card on the schedule displayed here. On some accounts, deposits may also be suspended.

These capabilities are displayed alongside your account’s status.

Manual capture ↑ Back to top

By default, payments will be charged at the time of checkout. 

Enable Manual Capture if you would prefer to authorize payments on checkout and manually capture the charge later (e.g., on shipment).

Importantly, you need to capture funds manually within 7 days of the order being placed, otherwise the authorization will be canceled alongside the order.

Test mode ↑ Back to top

To test payments or disputes, you need to switch WooCommerce Payments into Test Mode. To view previously processed test transactions, you also need to enable Test Mode.

Test mode allows you to simulate transactions using test card numbers. It Ensure your checkout is working and view-as-customer without placing a real order. Test mode only works with test credit card numbers.

Disable test mode to accept real credit cards with Stripe.

WooCommerce Payments Transaction administration screen in Test Mode

Debug log ↑ Back to top

If you are having issues processing payments or viewing dashboard screens, enable the debug log to record information about these events.

Debug logs can be found in the WooCommerce > Status > Logs section of your dashboard. To view the logs:

  1. Go to WooCommerce > Status
  2. Click on the Logs tab
  3. From the drop-down, choose the log starting with woocommerce-payments and ending with the date you wish to view
Example WooCommerce Payments log

Further Reading ↑ Back to top

To learn more about WooCommerce Payments, see the FAQs. Learn how to test different transactions in the Testing Guide.

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