Fee, Live Payments, Shopify, WooCommerce, Test Mode & Merchant Portal

Pay-by-Bank is a secure payment solution that allows customers to make direct payments from their bank accounts using their banking app or online banking.

This method eliminates the need for card details, reducing:

• Transaction fees
• Fraud risks
• Processing times

📺 Demo Video: https://youtu.be/fobLOzblMUQ

With Pay-by-Bank, funds are transferred in real-time, meaning they are typically available in your account within seconds after the payment is successfully processed.

Key Benefits:
✅ Instant Settlements – No waiting for payouts or batch processing.
✅ Improved Cash Flow – Funds are immediately accessible for reinvestment or expenses.
✅ No Card Processing Delays – Avoid waiting days for traditional payment settlements.

At the moment we support Shopify and WooCommerce platforms.

You can install the Pay-by-Bank app directly from the Shopify App Store:
https://apps.shopify.com/wallidpay

📺 Video Tutorial: https://youtu.be/Y9ze8V94hE0

Follow These Steps to Install the App:

1. Install the App

• Go to the Shopify App Store: https://apps.shopify.com/wallidpay
• Click Install to add the Wallid: Pay-by-Bank app to your store.

2. Create a Merchant Account

• After installation, you’ll be redirected to the Merchant Portal.
• Create a Merchant Account, which will be linked to your Pay-by-Bank app.

💡 Developers can register using their email and later transfer ownership to the merchant via our support team.

3. Activate the App in Shopify

• Once the Merchant Account is set up, return to your Shopify Admin to activate the app.
• Click "Back to Shopify" on the Merchant Portal homepage.
• If the button is not available, wait 2-3 minutes after registration and refresh the page.

Alternative Method to Add Pay-by-Bank Payment Method Manually:

1. Go to Shopify Admin → Settings → Payments
2. Under Additional Payment Methods, click "Add Payment Method"
3. Select "Search by Providers", type Wallid, and choose Wallid: Pay-by-Bank

4. Enable Test Mode

• Once back in Shopify Admin, you can activate Test Mode to process demo transactions and verify everything is working smoothly before going live.

If you are redirected to the Merchant Portal, it means that the Pay-by-Bank app is already installed on your Shopify store.

Follow these steps to complete the setup:

1. Create a Merchant Account

• On the Merchant Portal, create a Merchant Account to connect it with the Pay-by-Bank app.
• If you are a developer, you can create an account using your email and later transfer it to the merchant via our support team.

2. Return to Shopify and Activate the App

• Once the Merchant Account is set up, press "Back to Shopify" on the main page.
• If the button is not available, wait 2-3 minutes, then refresh the page.

Alternative Method: Manually Add Pay-by-Bank as a Payment Method
If the "Back to Shopify" button does not work, follow these steps to activate the app manually:

1. Go to Shopify Admin → Settings → Payments
2. Under Additional Payment Methods, click "Add Payment Method"
3. Select "Search by Providers", type Wallid, and choose Wallid: Pay-by-Bank

3. Enable Test Mode

• Once back in Shopify Admin, you can activate Test Mode to process demo transactions and ensure everything is working smoothly before going live.

If you have already registered at the Merchant Portal, you can activate the Pay-by-Bank app using one of the following methods:

Option 1: Activate via Merchant Portal

1. Go to the Merchant Portal: https://www.getwallid.co.uk
2. Log in to your account associated with the store where the app was installed.
3. Press "Back to Shopify" on the main page.
4. After returning to Shopify, activate the app.

Option 2: Manually Add Pay-by-Bank in Shopify Admin

1. Go to your Shopify store admin.
2. Navigate to Settings → Payments → Additional Payment Methods → Add Payment Method.
3. Select Search by Providers and type Wallid.
4. Choose Wallid: Pay-by-Bank and activate it on the app page.

After installing and activating the Pay-by-Bank app, you can enable Test Mode to simulate transactions and ensure everything is working correctly.

📺 Video Tutorial (from 38s): https://youtu.be/Y9ze8V94hE0?t=38

Follow These Steps to Process a Test Payment:

1. Go to your online store where Pay-by-Bank Test Mode is activated.
2. Add any item to the cart and proceed to checkout.
3. Enter your name, address, and delivery options as required.
4. Select "Wallid: Pay by Bank" as the payment method and proceed.
5. You will be redirected to the Wallid Test Payment Page.
6. From the bank list, select NatWest Test Bank and press "Proceed to My Bank".
7. Enter the following test banking details: Customer Number: 123456789012 / PIN: 572436
8. Then select "Sydney Beard (Personal Current Account)" and press "Confirm Payment".
9. Once the payment is processed, a success page will appear.
10. Press "Back to Merchant" to return to the confirmation page.

✅ Test Mode does not process real payments – it’s only for simulation.
✅ If you encounter any issues, verify that Test Mode is enabled in Shopify Admin.

To activate Pay-by-Bank live payments, you need to provide details about your company and bank account.

📺 Video: https://youtu.be/Mzj06ycsbmk

Step 1: Submit Your Company Information

1. Log in to the Merchant Portal at getwallid.co.uk.
2. Navigate to the Company section and fill in your business details.

• If you do not have a registered company, you can skip the unnecessary fields.

Step 2: Add Your Bank Account

1. Go to the Bank Account section in the menu.
2. Enter your bank account details and carefully check your account number.

• This is where you will receive your payments, so ensure accuracy.

Step 3: Verify Owners & Directors

1. Navigate to the Company Owners & Directors section.
2. Submit the required details to comply with financial regulations.

Step 4: Submit the Agreement

1. Download the agreement from the portal.
2. Sign it and send it to the email provided in the portal.

Step 5: Activate Live Payments in Shopify

1. Once Wallid has approved your account, log in to your Shopify Admin.
2. Go to Settings → Payments → Wallid: Pay by Bank.
3. Turn off Test Mode.

Your Pay-by-Bank payments are now live, and customers can make direct payments to your account. 🎉

Wallid Pay By Bank for WooCommerce

Wallid Plugin enables merchants to accept account-to-account payments in WooCommerce using Open Banking. Customers pay directly from their bank account to the merchant’s bank account, without using debit or credit cards.

Installation

1. Download the Wallid Pay by Bank plugin as a ZIP file.
2. In your WordPress admin dashboard, go to Plugins → Add New → Upload Plugin.
3. Upload the ZIP file, install the plugin, and activate it.

Account Setup

1. Create a merchant account at https://www.getwallid.co.uk.
2. Once your profile is complete, contact Wallid via live chat in the Merchant Portal or by email at support@corp.wallid.co to request account activation.
3. After verification, Wallid will provide your Client ID and Secret Key. Account activation may take several hours.

Plugin Configuration

1. In your WordPress admin dashboard, go to WooCommerce → Settings → Payments → Wallid Pay by Bank.
2. Enter your Client ID and Secret Key, save the settings, and enable the payment method.

Testing

1. Place a test order with a small amount to confirm that payments are processed correctly.

2. (Optional) Test the instant refund flow for the test payment via the Merchant Portal at https://www.getwallid.co.uk

In the UK and EU, the vast majority of payments are processed via instant bank transfers.

• Around 95% of payments are instant
• A small portion may be processed with delayed settlement

Approximately 5% or less of UK payments may follow a slower settlement flow.

• Payment is initiated but not settled immediately
• Funds may take additional time to arrive (up to 36 hours)
• Order status depends on platform behavior (similar to EU slow flow)

What should I do operationally?

• In most cases → safe to fulfill immediately (instant payments)
• In rare cases → wait for funds to arrive before fulfillment
• Always reconcile bank account ↔ orders if there is any uncertainty

This depends on the customer’s bank, payment limits, or specific processing conditions — even within the UK Faster Payments system.

Payment behavior depends on the customer’s bank:

• Instant payments — confirmed immediately, funds processed in real-time
• Non-instant (slow) payments — initiated instantly but settled later (up to 36 hours)

This means order handling can differ depending on the payment flow.

• Instant payments →
Order is created and marked as Processing immediately

• Slow payments →
Order may be created but remains pending until funds are received

👉 Recommendation:

Do not fulfill orders until payment is confirmed. Regularly reconcile bank transactions with WooCommerce orders.

• Instant payments →
Order is created with status paid immediately

• Slow payments →
Order may not be created at all, as payment can complete after the checkout session expires

👉 If funds are received but no order exists:
• Check Draft Orders
• Check Abandoned Checkouts
• Match payment reference with customer/order details

• Instant → safe to process immediately
• Slow → wait for settlement (up to 36h) before fulfillment
• Always reconcile bank account ↔ platform orders

It depends on how individual EU banks process payments — some support instant settlement, while others complete transfers with a delay even after authorization.

We currently support:

• GBP (British Pound)
• EUR (Euro)

You can configure your store to accept both currencies simultaneously.

For GBP, you need:

• UK bank account
• Sort code
• Account number

For EUR, you need:

• European bank account
• IBAN
• SWIFT/BIC code

Your account will go through additional verification checks (SEPA / compliance checks), which may take a few days to complete.

You can start with GBP or EUR and enable the second currency later after providing the required bank details.

If you are redirected to the Merchant Portal, it means that the Pay-by-Bank app is already installed on your Shopify store.

Follow these steps to complete the setup:

1. Create a Merchant Account

• On the Merchant Portal, create a Merchant Account to connect it with the Pay-by-Bank app.
• If you are a developer, you can create an account using your email and later transfer it to the merchant via our support team.

2. Return to Shopify and Activate the App

• Once the Merchant Account is set up, press "Back to Shopify" on the main page.
• If the button is not available, wait 2-3 minutes, then refresh the page.

Alternative Method: Manually Add Pay-by-Bank as a Payment Method
If the "Back to Shopify" button does not work, follow these steps to activate the app manually:

1. Go to Shopify Admin → Settings → Payments
2. Under Additional Payment Methods, click "Add Payment Method"
3. Select "Search by Providers", type Wallid, and choose Wallid: Pay-by-Bank

3. Enable Test Mode

• Once back in Shopify Admin, you can activate Test Mode to process demo transactions and ensure everything is working smoothly before going live.

If you have already registered at the Merchant Portal, you can activate the Pay-by-Bank app using one of the following methods:

Option 1: Activate via Merchant Portal

1. Go to the Merchant Portal: https://www.getwallid.co.uk
2. Log in to your account associated with the store where the app was installed.
3. Press "Back to Shopify" on the main page.
4. After returning to Shopify, activate the app.

Option 2: Manually Add Pay-by-Bank in Shopify Admin

1. Go to your Shopify store admin.
2. Navigate to Settings → Payments → Additional Payment Methods → Add Payment Method.
3. Select Search by Providers and type Wallid.
4. Choose Wallid: Pay-by-Bank and activate it on the app page.

The Merchant Portal is a secure dashboard where store owners and developers manage their Pay-by-Bank integration. It is essential for setting up and managing payments.

Why Do You Need to Register?

1. App Activation – The Pay-by-Bank app requires a Merchant Account.
2. Payment Management – View transactions and track real-time payments.
3. Live Payment Setup – To activate live payments, you must submit your company details, bank account and directors / owners information.
4. Security & Compliance – Ensures that all payments comply with banking regulations.
5. Seamless Integration – The portal connects directly to Shopify, allowing smooth payment processing.

Without registering in the Merchant Portal, you won’t be able to fully activate and use the Pay-by-Bank app.

Yes, as a developer, you can create multiple accounts in the Merchant Portal to manage different stores or clients.

However, there are a few things to keep in mind:

1. Each account must be linked to a unique email address – You need a separate email for each merchant account.
2. You can register accounts on behalf of merchants – If setting up for a client, you can use your email and later transfer ownership via our support team.
3. Easily switch between accounts – If you manage multiple stores, you can log in and out to access different merchant accounts.
4. Live payment activation requires merchant details – While you can set up accounts, the store owner’s company and banking details must be submitted for live payments.

With Pay-by-Bank, payments are transferred instantly to your account. Since funds are received directly, refunds are not automated and must be handled manually by the merchant.

Steps to Process a Refund:

1. Receive a Refund Request – When a customer requests a refund, confirm the refund eligibility based on your store’s policy.
2. Collect Customer’s Bank Account Details – Ask the customer for their bank account number and relevant details to process the refund.
3. Initiate a Manual Bank Transfer – Use your banking system to send the refund amount back to the customer’s bank account.
4. Confirm with the Customer – Notify the customer once the refund has been processed and provide a transaction reference if needed.

Important Notes:
✅ Refunds are not automated and must be processed manually by the merchant.
✅ Ensure the correct bank details are provided by the customer.
✅ Refund times depend on the bank’s processing speed but usually take 1-2 business days.
✅ If you need assistance, contact Wallid support.

Yes! Our support team can assist you with the installation.

Follow these steps to grant collaborator access to your store:

1. Go to Shopify Admin > Settings
2. Select Users & Permissions
3. Copy your Shopify shop URL
4. Copy your Collaborator Code
5. Send both details to support@corp.wallid.co or message us in our chat

Our team will take care of the installation and guide you through the setup! 🚀

Typically just a few hours during business hours. If your account hasn’t been approved within a this period, our compliance team may still be reviewing your submission or awaiting clarification.

If the issue continues, please contact our support team or request manual review via chat.

An instant refund is when money goes directly from the merchant’s account back to the customer’s bank account in under 3 minutes. Unlike card or PayPal refunds (which can take 3–10 business days), Pay-by-Bank refunds are real-time, final, and reconciled automatically.

Step-by-step instructions:

1. Log in to your Shopify dashboard.
2. Go to Orders and select the order you want to refund.
3. Scroll down to Timeline and find the line:
4. “A £XX.XX GBP payment was processed on Wallid: Pay by Bank.”
5. Click the arrow to open payment details.
6. Copy the Payment ID (e.g. rnCReIFdoT6FtaA5FQdpnYP6W).
7. Go to the Wallid Merchant Portal → Transactions.
8. Paste the Payment ID in the search bar and open the transaction.
9. Press Refund and choose full or partial refund.
10. Select the bank account you want to send the refund from.
11. Confirm Transfer → refund is processed and reaches the customer in <3 minute

👉 This ensures refunds are real-time, final, and reconciled automatically, without delays or card network dependencies.

Standard fee: 1% + 25p per transaction.
Volume-based discounts are available. Final pricing is confirmed during onboarding.

👉 Fees are always transparent and confirmed during onboarding.

Yes. Unlike card refunds (which are batched and delayed), Wallid refunds appear in your merchant dashboard in real time, fully reconciled.

When a customer pays using Pay by Bank, refunds are normally returned to the original bank account. However, some banks do not provide the necessary account details required to complete a refund through Pay by Bank.
In these cases, the merchant may need to process the refund via a manual bank transfer and will therefore request the customer’s:

• account holder name,
• bank account number,
• sort code.

These details are requested only after a refund has been approved and are used solely to return funds owed to the customer.
Providing bank details for a refund does not give the merchant or Wallid access to the customer’s bank account and cannot be used to take payments.
Merchants and Wallid will never ask customers for:

• online banking login details,
• one-time passcodes,
• card details,
• or permission to make future payments.

If you accept Pay by Bank payments, your Refund Policy should clearly explain that:

• refunds are normally returned to the original bank account,
• some banks do not support automated Pay by Bank refunds,
• in those cases, customers may be asked to provide their account number and sort code to receive a refund.

This prevents confusion and reduces the risk of customers refusing to share details due to scam concerns.

Recommended approach:
Add a short, plain-language section under your Refund Policy explaining that bank details may be requested only to complete an approved refund, and that the details cannot be used to take money from the customer.

Your Terms of Service should include a legally clear clause stating that:

• Pay by Bank refunds may require manual processing if automated refunds are not supported by the customer’s bank,
• the merchant may request bank account details solely for refund purposes,
• refunds may be delayed if the customer declines to provide the required information,
• providing bank details does not authorise the merchant to debit the account.

This clause protects you in the event of:

• refund disputes,
• complaints alleging fraud,
• reviews by payment providers or regulators.

Recommended approach:
Use more formal language in the Terms of Service than in the Refund Policy, and ensure both documents are consistent.

Reconciliation is the process of matching payments and refunds with orders in your accounting. With cards or PayPal, reconciliation is often slow, aggregated, and unclear. With Wallid Pay-by-Bank:

• Each order is instantly settled into your bank account.
• Your bank statement shows WALLID {Bank Reference}.
• No batch payouts, no hidden processor reports.

👉 Your bank statement becomes your ledger — clean and simple.

Yes. Wallid provides CSV reconciliation reports where every transaction is already matched to its Shopify Payment Order ID.

1. Go to the Wallid Merchant Portal → Transactions.
2. Press Download and export all payments processed via Wallid.

Step-by-step instructions:

1. Log in to your Shopify dashboard and filter orders by Wallid.
2. Export the list of processed orders for the selected period.
3. Go to the Wallid Merchant Portal → Transactions.
4. Press Download and export all payments processed via Wallid for the same period.
5. Log in to your business bank account and export your bank statement for that period.
6. Filter the statement by entries containing “WALLID” as a reference.
7. Compare the three datasets:

• Shopify orders processed with Wallid
• Transactions exported from the Wallid Merchant Portal
• Settlements in your bank account (marked as WALLID {Bank Reference}
• All three should match exactly — order by order, payment by payment, refund by refund.

👉 This ensures reconciliation is instant, transparent, and accurate — no third-party processor reports, no batch settlement delays.

Step-by-step instructions:

1. Log in to your Shopify dashboard.
2. Go to Orders and select the order you want to track.
3. Scroll down to Timeline and find the line:
4. “A £XX.XX GBP payment was processed on Wallid: Pay by Bank.”
5. Click the arrow to open payment details.
6. Copy the Payment ID (e.g. rnCReIFdoT6FtaA5FQdpnYP6W).
7. Go to the Wallid Merchant Portal → Transactions.
8. Paste the Payment ID in the search bar and open the transaction.
9. Copy the Bank Reference shown in the transaction details.
10. Log in to your business bank account and search for that Bank Reference.

• The payment will appear as: WALLID {Bank Reference}.

👉 This way, you can trace any Shopify order directly to the exact payment in your bank account with no delays or mismatches.

You received an invoice because you are using Pay by Bank, which allows you to receive customer funds 100% and instantly into your bank account.
Transaction fees are not deducted from individual payments. Instead, Wallid calculates your total usage and issues one monthly invoice covering your payment fees.

If you have any questions or would like a copy of your invoice, you can contact us at support@corp.wallid.co

Direct Debit is required to automate monthly fee collection for Pay by Bank.

Because you receive customer funds instantly and in full, fees cannot be deducted at the time of payment. Direct Debit allows us to collect the monthly invoice securely and automatically, without interrupting your cash flow.

Key points:

• Direct Debit is used only for monthly payment fee invoices
• Customer payments are not taken via Direct Debit
• No fees are collected without an issued invoice

To complete setup, Direct Debit must be enabled using this link: https://pay.gocardless.com/BRT000459K8A0Y4

We use Xero to issue invoices. In some cases, invoices are delivered by Xero’s email service, which may appear as:

@post.xero.com

This does not mean the invoice is fraudulent.

To verify the invoice:

• The invoice must clearly reference Wallid / Wallid Pay-by-Bank
• The invoice number and amount will match your activity
• You can always request a copy directly from us at support@corp.wallid.co

If anything looks unusual, do not pay until verified.

Sometimes invoice emails are filtered or blocked by corporate email systems.

If you believe you did not receive an invoice:

1. Check spam or quarantine folders
2. Contact us at support@corp.wallid.co
3. We will resend the invoice directly from our official Wallid billing address

You will never be penalised for requesting verification before payment.

A legitimate Wallid invoice will meet all of the following:

• References Wallid or Wallid Pay-by-Bank
• Includes a valid invoice number (e.g. INV-0254)
• Matches your transaction or account activity
• Can be confirmed by emailing support@corp.wallid.co

If an email pressures you to pay urgently or asks for unusual actions, stop and verify first.