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Pay by Bank app

Fruhmann edited this page Mar 27, 2019 · 5 revisions

Mastercard's Pay by Bank app makes mobile bank transfers more convenient. Consumers can make payments via their banks' apps without having to enter their payment details and passwords.

Pay by Bank app is currently available only in the UK. You can use Pay by Bank app with Barclays' Pingit app, with more banks to follow.

Pay by Bank app Configuration

  1. Select WooCommerce/Settings.
  2. Click the Payments tab.
  3. Scroll down to Wirecard Pay by Bank app.
  4. Click either Wirecard Pay by Bank app or the Set up button (on the right) to open the Pay by Bank app configuration page.

Payment Action

Pay by Bank app payment allows only payment action Purchase, which triggers the transaction type debit for Pay by Bank app.

Successful transactions (i.e. payments for orders) are captured/invoiced automatically and do not have to be confirmed manually.


The descriptor is the text representing an order on the consumer's bank statement issued by their bank. It provides information for the consumer, as it associates a specific debit on the consumer's account with the respective purchase in your shop.

  • If the descriptor is Disabled, the issuer/acquirer generates a default entry for each purchase.

  • If the descriptor is Enabled, the default descriptor text consists of the first 9 characters of the shop name and the order number. To modify the descriptor, use the method create_descriptor in the file woocommerce-wirecard-ee/wirecard-woocommerce-extension/classes/helper/class-additional-information.php. Max. length: 64 characters.

Enable this feature to send the descriptor with each request/response.

Merchant Return String

Enter a URL into the field Merchant Return String to redirect consumers from their mobile banking apps to your shop.

Send Additional Information

If this feature is Enabled, additional data will be sent for the purpose of fraud protection. This additional data includes billing/shipping address, shopping basket, and descriptor.

Supported Post-Processing Operations

To access post-processing operations, go to Wirecard Payment Gateway to open the transaction table, which lists all successful transactions.

Click a Transaction ID to open the transaction detail view. It shows all available post-processing operations.

Pay by Bank app supports the post-processing operation Refund.

Refund triggers the transaction type refund-debit. The payment/invoice will be refunded, and the corresponding order in WooCommerce order management will be updated to status Refunded.

Partial-Refund triggers the transaction type refund-debit. This post-processing operation can be triggered in the WooCommerce order management as described in WooCommerce Refund Workflow.

Please be aware that stock management is not included in the post-processing operations triggered in the Wirecard extension but only in WooCommerce order management.

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