Buckmerce – Bank Payments via Nello Pay for WooCommerce

Pay by Bank lets a customer pay for an order directly from a bank account instead of a card. The customer approves a one-time payment at their own bank, and WooCommerce is updated automatically as the payment progresses. It is also known as an open banking payment or an account-to-account payment.

Yes. Payments are processed by Nello Pay, a service of Neonomics AS, so you need your own Merchant Portal account . You can start in the Sandbox and apply for Production access when you are ready.

Nello Pay for WooCommerce is free. There is no license key, no paid add-on, no trial period and no usage limit, and it adds no fees of its own. Neonomics charges for Nello Pay according to your agreement with them.

Norway (NOK), Sweden (SEK), Denmark (DKK) and Finland (EUR), with the banks Nello Pay supports in each country. A store uses one market; Pay by Bank is hidden automatically when the store or order currency is not the currency of that market.

The customer selects Pay by Bank in WooCommerce and is taken to the Nello Pay checkout, where they choose their bank, sign in and approve the payment. Then they return to the order confirmation page of your store, which shows the current payment status.

In the language your store is shown in when that is Norwegian, Swedish, Danish or Finnish, and in English otherwise.

In many cases seconds; depending on the banks involved it can take up to a couple of business days. Until Nello Pay confirms the funds, the order stays On hold.

When Nello Pay reports that the funds were received. The customer’s approval alone puts the order On hold; it does not mark it paid.

Pay by Bank is offered when it is enabled, an API key, a market and a webhook key are saved, and the order currency is the currency of the selected market. In Production your site must also use HTTPS. The status checklist at the top of WooCommerce → Settings → Payments → Nello Pay names the check that fails and tells you how to fix it.

First open the order and look at the Nello Pay panel. If the payment is approved, the bank may still be transferring the money, which can take up to a couple of business days. If no payment status arrives at all, Nello Pay cannot reach your webhook: compare the webhook URL and key in the Merchant Portal with the values in your store, check that you use the right portal view (Sandbox or Production), and make sure no firewall or security plugin blocks requests to /wp-json/buckmerce-nellopay/v1/webhook .

Sometimes a bank accepts a payment but stops telling Nello Pay what happened to it. The order then stays On hold and you get an alert. Check your bank account: if the money arrived, click Funds received: mark as paid on the order; if it did not, click Funds not received and the customer can pay again.

Yes. In the Sandbox environment no real money moves. Use the test bank credentials published by Neonomics . An order total of 20 fails, 30 is cancelled, 40 ends as a payment the bank stopped reporting on, and any other amount completes.

The settings and the checkout work on a local site, but Nello Pay can confirm a payment only when it reaches your site over public HTTPS. Use a staging site or a public HTTPS tunnel for test payments.

Nello Pay reports every payment status to your site through a webhook, and it delivers webhooks to public HTTPS addresses only. Without the webhook no order can be marked paid, so Pay by Bank is not offered until a webhook key is set.

No. Bank sign-in and payment approval happen at Nello Pay and the customer’s bank. Your store keeps only the Nello Pay payment references and statuses needed to manage the WooCommerce order.

None that identifies a person. Nello Pay receives the order amount and currency, the market and language, a payment message with the order number, your store name, internal references and the addresses of your order pages. The customer’s name, email address and postal address are not sent.

Nello Pay has no refund function. Send the money back by bank transfer and record it in WooCommerce with Refund manually .

Yes. If the payment failed, was cancelled or was not finished, the customer can pay for the same order again.

Nello Pay for WooCommerce is built to prevent it. Double clicks, page reloads and several open tabs lead to the same Nello Pay checkout, and if a second payment for an order still arrives, it is reported to you instead of being hidden.

No. Nello Pay for WooCommerce is focused on bank payments. You can keep your card gateway next to it.

Yes. Pay by Bank is a regular WooCommerce payment method and appears next to the other payment methods you have enabled.

Yes. It works with the Checkout Block and Classic Checkout, is compatible with High-Performance Order Storage (HPOS), and can be used by guests as well as logged-in customers.

No. Only one-time Pay by Bank payments are supported.

Pay by Bank is offered for orders in the currency of the selected market and is hidden for orders in any other currency.

Yes. Change Title and Description in the Nello Pay settings. You can also set the store name shown in the Nello Pay checkout and the payment message on the bank statement.

Disabling the payment method only hides Pay by Bank at checkout. Payments that already started keep being processed. Keep the plugin itself active while payments are still open.

Payment statuses are applied the moment Nello Pay reports them. A background job (WooCommerce Action Scheduler) finishes anything that was interrupted and watches for payments that need your attention. On a store with few visitors, run WP-Cron from a server cron job so that this job runs on time.

Yes. All texts shown to customers and store managers can be translated, and a Russian translation is included.

Yes. Nello Pay for WooCommerce fires WordPress action hooks when a payment is confirmed, fails, is cancelled or needs review, offers filters for optional checkout fields and alert recipients, and includes WP-CLI commands. See the developer documentation on GitHub .

Open the order to see the Nello Pay panel with the payment status and history. For the store as a whole, use WooCommerce → Nello Pay Health , Site Health, or the WooCommerce logs with source buckmerce-nellopay . Sensitive details are removed from the logs.

Ask in the plugin support forum . The Nello Pay Health page is safe to share: it contains no credentials and no customer data.