SSV SmartPay Pay By Bank

SSV SmartPay helps WooCommerce stores increase conversion rates and reduce payment costs by enabling Pay by Bank (Open Banking) payments for UK customers.

Customers can pay directly from their bank account in a secure, familiar flow without entering card details or creating accounts. This reduces checkout friction and helps more customers complete their purchase.
The plugin integrates seamlessly into your existing checkout and adds Pay by Bank as an additional payment option, without replacing your current setup.

Why merchants use SSV SmartPay

Lower payment costs

• Reduce transaction fees with simple pricing:
• Under £50: 20p per transaction (+ VAT)
• Over £50: 0.5% per transaction (+ VAT)
• No monthly fees
• No setup costs
• No contracts
• Faster access to funds
• Payments are typically settled instantly once authorised, helping improve cash flow and reduce delays in fulfilment.

No chargebacks
Bank-authorised payments remove the risk of chargebacks and reduce payment disputes and admin overhead.

Higher checkout completion rates
Customers approve payments directly in their banking app using Strong Customer Authentication (Face ID, fingerprint, or passcode), creating a fast and familiar checkout experience.

Wide UK bank coverage
Works with all major UK banks, giving access to the vast majority of UK consumers.

Designed to sit alongside your existing payments
Add Pay by Bank as an additional option without disrupting your current payment stack.

How it works

• Customer selects Pay by Bank at checkout
• They choose their bank
• They approve the payment in their banking app
• They are returned to your store and the order is confirmed

Requirements

• WooCommerce installed and active
• SSV SmartPay merchant account created
• API key from your SSV SmartPay dashboard

Features:

• Accept payments using QR codes or direct bank transfer.
• Supports Sandbox (test) and Production (live) environments.
• Fully compatible with WooCommerce checkout flow.
• Shows clear messages for payment success, failure, or cancellation.
• Webhook integration for real-time payment updates
• Cron job fallback (every 10 minutes) for missed webhook cases
• Automatic order status update (success, failed, cancelled)
• Secure API communication with SSV Smart Pay
• Easy copyable Callback & Webhook URLs in admin settings

Currency Support

This plugin currently supports GBP (British Pound) as the only currency.
Make sure your WooCommerce store uses GBP for successful payment processing.

WooCommerce → Settings → General → Currency → GBP – Pound Sterling (£)

External Services

This plugin connects to the SSV Smart Pay API to securely process WooCommerce payments.

Service Used:
– SSV Smart Pay API (https://api.ssvsmartpay.co/)

Purpose:
– Generate payment token / payment URL
– Create orders
– Validate payment status
– Update WooCommerce order after successful payment

Data Sent:
– Customer email
– Customer phone number
– Customer name
– Order ID
– Order amount and currency
– Callback URL

When Data Is Sent:
– During checkout when the customer selects SSV Smart Pay
– During payment verification
– During callback/response from the SSV Smart Pay system

Terms of Service: https://app.ssvsmartpay.co/legal/Terms-of-Service-Consumers
Privacy Policy: https://app.ssvsmartpay.co/legal/SSV-Privacy-and-Cookies-Policy

Important Setup Instructions

After activating the plugin:

1. Go to:
   Settings → Permalinks
   and click Save Changes (required for custom URLs to work)

2. If your website uses security/firewall services like:

   • Cloudflare
   • Hosting firewall
   • Security plugins

   Then whitelist the following URLs:

• Payment Process URL
• Payment Status URL

• Webhook URL

  (These URLs are available in plugin settings)

Support

Email: [email protected]
Phone: 0203 633 0404
Dashboard: https://app.ssvsmartpay.co