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Kairos Labs Bank Transfer Reconciliation for WooCommerce

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Kairos Labs Bank Transfer Reconciliation for WooCommerce

by Kairos Labs

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Description

A focused WooCommerce payment gateway for accepting bank transfers (SEPA, SWIFT, FPS, ACH, and similar local rails). Each order gets a unique payment reference that you match against your incoming bank statement, then mark as paid from the order screen with a single click.

This plugin is intentionally minimal. It presents the customer with your bank details and a payment reference, then gives you a “Mark as paid” button on the order page. Reconciliation is manual.

The plugin name mentions Wise because the typical use case is merchants who receive payments into a Wise (formerly TransferWise) Business account, but the plugin itself is bank-agnostic — any IBAN/SWIFT-receiving account works. No API integration, no third-party HTTP calls. Everything runs locally in your WordPress install.

Features

  • Bank-detail checkout block — IBAN, BIC, account holder, bank name and country are shown to the customer on the order-pay and order-received pages.
  • Unique payment reference per order — generated with a configurable prefix (e.g. KLC-17-4R9NE3) so you can match transfers on your bank statement at a glance.
  • One-click manual confirmation — a “Mark as paid” button on the WooCommerce order screen moves the order to Processing and records who confirmed it and when, in the order notes.
  • HPOS compatible — works with both the legacy wp_posts order storage and WooCommerce High-Performance Order Storage.
  • WooCommerce Blocks compatible — renders correctly in the block-based checkout introduced in WooCommerce 7+.
  • HTML order emails — bank details and payment reference are embedded in the WooCommerce order on-hold email so the customer has everything they need to pay.
  • Customisable instructions — show your own copy in any language on the thank-you page and in emails.
  • No tracking, no external requests — the plugin makes zero HTTP calls to third-party servers.

Why does WooCommerce need this when it ships with BACS?

WooCommerce ships with a generic “Direct bank transfer” (BACS) gateway, but it has no per-order reference, no structured way to display multi-line bank details, and no one-click confirmation flow on the order screen. This plugin fills that gap.

Trademark notice

This plugin is developed independently by Kairos Labs. It is not affiliated with, endorsed by, or sponsored by Wise Payments Limited or Automattic Inc. “Wise” is a trademark of Wise Payments Limited. “WooCommerce” is a trademark of Automattic Inc.

  1. In your WordPress admin, go to Plugins Add New, search for Kairos Labs Bank Transfer Reconciliation for WooCommerce, and click Install Now.
  2. Activate the plugin.
  3. Go to WooCommerce Settings Payments and enable the Wise Bank Transfer gateway.
  4. Click Manage, fill in your IBAN, BIC, account holder name, bank name and country, customise the title/instructions if desired, and save.

The gateway is now available at checkout. Orders placed with this gateway go to On hold status until you confirm receipt on the order screen.

Do I need a Wise business account?

No. Any bank account will work — the plugin just presents the details you enter to the customer. The name reflects the typical use case but the manual flow is bank-agnostic.

Does this work with WooCommerce Blocks (the block-based checkout)?

Yes. The gateway registers both for the classic shortcode-based checkout and for the WooCommerce Blocks checkout introduced in WooCommerce 7.

Does this work with High-Performance Order Storage (HPOS)?

Yes. The “Mark as paid” meta box is registered against both the HPOS order screen and the legacy shop_order post screen, so it appears regardless of which order storage you have enabled.

Where is the payment reference shown to the customer?

On the thank-you (order-received) page, on the order-pay page (if the customer revisits the order), and in the order on-hold WooCommerce email.

Can I customise the payment reference format?

Yes. The settings screen has a Reference prefix field. The default KLC produces references like KLC-17-4R9NE3 (prefix-orderID-random). You can change the prefix; the order ID and random suffix are always appended.

What happens to my data if I uninstall the plugin?

Deleting the plugin from Plugins Installed Plugins Delete removes the events table, all plugin options, and all scheduled cron jobs. WooCommerce order data is not touched — that belongs to WooCommerce, not to this plugin.

1.0.0

  • Initial release on WordPress.org.
  • Bank-detail checkout block (classic + Blocks).
  • Unique payment reference per order, configurable prefix.
  • One-click “Mark as paid” confirmation on the order screen (HPOS-compatible).
  • HTML order emails with bank details and payment reference.
  • Internationalisation-ready (text domain: kairos-labs-wise-bank-transfer-for-woocommerce).
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