Fee, Live Payments, Shopify Plan, 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

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.

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.

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. 🎉

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.

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.

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! 🚀