Bank Transfer Gateway for Wise

Bank Transfer Gateway for Wise lets customers pay by bank transfer to your Wise account and can automatically reconcile incoming payments through the Wise REST API. It works in both the classic shortcode-based checkout and the modern React-based Cart & Checkout Blocks.

Not affiliated with or endorsed by Wise. “Wise” is a trademark of Wise Payments Limited.

Highlights

• Geo-scoped multi-currency accounts — configure separate Wise account details per currency / per country / per continent (e.g., USD for US&CA, EUR for EU, GBP for GB)
• Locale-aware labels — the field name adapts to the customer’s billing country: “Sort code” for the UK, “BSB” for Australia, “IFSC” for India, “Transit number” for Canada, etc.
• Currency selector (optional) — let customers pick which currency they pay in; the matching Wise account is shown after checkout
• Unique reference numbers — every order gets a reference like WISE-1042-A7F3
• Wise REST API connection — use a Live or Sandbox API token and test profile, balance, and receiving-detail access
• Automatic payment verification — match incoming CREDIT transactions by unique reference, exact amount, and currency
• Wise SCA support — generate an RSA key pair and sign Wise one-time-token challenges for protected statement endpoints
• Receiving-detail import — import active Wise receiving details into the account table
• On-demand checks — run a full verification pass or check one order from the WooCommerce Orders screen
• Automated email instructions — bank details + reference appended to on-hold/pending order emails (HTML + plain text)
• Thank-you page — clear, copy-to-clipboard layout with your account details
• HPOS compatible — works with WooCommerce custom order tables
• Block checkout compatible — works in the new React-based checkout, not just the legacy shortcode

Security

This plugin handles money, so security is non-negotiable:

• All admin actions enforce manage_woocommerce capability and use WordPress nonces
• All customer-facing output is escaped with esc_html / esc_attr / esc_url / wp_kses_post
• All admin input is sanitised with wc_clean / sanitize_text_field / sanitize_textarea_field
• Singleton class is final and blocks cloning/unserialising
• Optional “Wipe configuration” toggle controls whether settings survive an uninstall
• API tokens and private keys remain server-side and are never returned by the plugin’s AJAX endpoints

How it works

1. Customer chooses Pay by Bank (Wise) at checkout and places the order.
2. The order is set to On hold with a unique reference like WISE-1042-A7F3.
3. The customer sees the matching Wise bank details (locale-aware labels) on the order-received page.
4. The same details are emailed to the customer (HTML + plain text).
5. In API mode, the plugin checks Wise every 15 minutes and matches the incoming transfer by reference, exact amount, and currency.
6. A verified order is marked Processing or Completed, according to your setting. Manual mode remains available.