Title: Seamless ACH Author: Seamless Chex Published: ሓምለ 23, 2026 Last modified: ሓምለ 23, 2026 --- Search plugins ![](https://ps.w.org/seamless-ach/assets/banner-772x250.png?rev=3619819) ![](https://ps.w.org/seamless-ach/assets/icon-256x256.png?rev=3619819) # Seamless ACH By [Seamless Chex](https://profiles.wordpress.org/seamlesschex/) [Download](https://downloads.wordpress.org/plugin/seamless-ach.1.0.0.zip) * [Details](https://tir.wordpress.org/plugins/seamless-ach/#description) * [Reviews](https://tir.wordpress.org/plugins/seamless-ach/#reviews) * [Installation](https://tir.wordpress.org/plugins/seamless-ach/#installation) * [Development](https://tir.wordpress.org/plugins/seamless-ach/#developers) [Support](https://wordpress.org/support/plugin/seamless-ach/) ## Description Enhance your WooCommerce store with **Seamless ACH** – the ultimate plugin for secure and streamlined Plaid-Verified ACH payments. Seamless ACH integrates seamlessly with WooCommerce and leverages Plaid’s user-friendly bank verification, enabling customers to pay easily using their online banking credentials. #### Key Features * **Secure ACH Payments**: Accept U.S. bank payments with Plaid’s robust verification, ensuring every transaction is safe and secure. * **Plaid Integration**: Built-in Plaid support adds an extra layer of security and trust by verifying customers’ bank accounts. * **Streamlined Checkout**: Simplify the checkout process and reduce cart abandonment. Customers log in to their bank accounts seamlessly through Plaid’s secure interface. * **Automated Payment Management**: Automate payment processing and subscription management, eliminating manual tracking. * **Recurring Payments & Subscriptions**: Set up recurring payments to ensure steady, predictable revenue. * **Authorization-Only Capture**: Need to charge customers later? Capture their bank details at checkout for future payments – ideal for free trials or deferred billing. * **Quick Refunds**: Effortlessly process refunds to maintain customer satisfaction. With Seamless ACH, you can improve user experience, boost checkout conversions, and streamline payment management. Start simplifying ACH payments today! #### Setup Instructions Setting up the Seamless ACH plugin is quick and easy: 1. **Create a Seamless ACH Account:** Don’t have an [account](https://dashboard.seamlesschex.com/ach/)? Sign up [here](https://www.seamlesschex.com/sign-up-seamlessach). It’s free, fast, and no credit card is required. 2. **Install the Plugin** 3. a. Log in to your WordPress Admin Dashboard. b. Navigate to **Plugins > Add New**. 4. Choose one of the following installation methods: 5. **Option 1 (Recommended): Install from the WordPress Plugin Directory** 6. a. Enter **Seamless ACH** in the plugin search field. b. Locate the Seamless ACH plugin in the search results. c. Click **Install Now**. d. Once the installation is complete, click **Activate**. 7. **Option 2: Manual Installation** 8. a. Download the latest version — the [seamless-ach.zip](https://downloads.wordpress.org/plugin/seamless-ach.zip) file — from the official SeamlessChex WordPress plugin page. b. On the Add Plugins page, click **Upload Plugin**. c. Select the downloaded `seamless-ach.zip` file. d. Click **Install Now**. e. Once the installation is complete, click **Activate**. 9. **Configure the Plugin** 10. * After activation, navigate to the Seamless ACH plugin settings within your administrative panel. * Enter your Seamless ACH account details, including API keys, which you can find in your Seamless ACH account under settings in the [API tab](https://dashboard.seamlesschex.com/ach/#/account/api). Make sure you are **using the correct API keys** and have selected the appropriate mode (**Sandbox** or **Live**). * Configure the plugin settings according to your preferences, such as [webhook URL](https://dashboard.seamlesschex.com/ach/#/account), payment method name, payment frequency, capture auth and payment method description. * For Webhook option (**easy integration**), in Update Order Statuses, select Weebhook and then go to your [Account Settings](https://dashboard.seamlesschex.com/ach/#/account) in Seamless ACH dashboard -> [API tab](https://dashboard.seamlesschex.com/ach/#/account/api)- > Paste in the ‘Webhook URL’ field and click ‘save’. * You can also turn auto-updates off and do it manually by clicking ‘Update Seamless ACH Status’ within the WooCommerce ‘Orders’ page. * **Default Order Pending Status:** **ACH In-Process:** -This is a custom Seamless ACH status. When a payment is completed by the customer, it will be set to “ ACH In-Process.” After processing, it will change to either “Failed” or “Paid.”** On-Hold:** -By default, WooCommerce sets all payments to “On-Hold” after initiation. From this status, payments will move to either “Failed” or “Paid.” 11. **Secret Key** 12. * **Sandbox Mode:** – Starts with the prefix **sk_test_**. – Used for testing the API in a sandbox environment. – Allows performing test transactions, creating test data, and simulating various scenarios. – Must be stored securely as it provides access to the API, but only in a test environment. * **Live Mode:** – Starts with the prefix **sk_**. – Used for performing real operations in a production environment. – Provides full access to the API for working with real data and transactions. – Must be handled with extreme caution, as its compromise can lead to data leaks or financial losses. * **Key Differences:** a. **Prefixes:** – Sandbox: **sk_test_** (secret). – Live: **sk_** (secret). b. **Purpose:** – Sandbox keys are used for testing and development. – Live keys are used for real operations. c. **Security:** – Sandbox keys are used for testing and development. – Sandbox keys are less critical as they only work with test data. d. **Access:** – Secret keys must only be used on the server side and should never be exposed to the client. 13. **Whitelist Seamless ACH IPs and Domains with your security solutions** 14. * Seamless ACH Domain: [https://api.seamlesschex.com/ach/](https://api.seamlesschex.com/ach/) * Seamless ACH IPs: 54.91.177.147, 35.168.136.199, 52.86.225.5, 52.54.42.180 15. **Enable Seamless ACH as a Payment Method** 16. * Go to **WooCommerce > Settings > Payments**. * Enable **Seamless ACH** as a payment method. 17. **Test the Installation** 18. * Create a test transaction via **Sandbox (test)** to ensure the plugin is working correctly. * Check if the transaction appears in your Seamless ACH dashboard and that all notifications are working as expected. 19. **Go Live** 20. * Once you’ve confirmed everything is working correctly with the test transaction, you can start using Seamless ACH for live transactions. That’s it! Seamless ACH will now appear as a payment option at checkout. Your WooCommerce store is now ready to accept Seamless ACH ACH payments! All transactions and received payments can be viewed in your [Seamless ACH Dashboard](https://dashboard.seamlesschex.com/ach). #### External Services The Seamless ACH plugin integrates with **Plaid**, a trusted leader in bank verification services and a long-standing partner of Seamless ACH. **How It Works**: * During checkout, customers interact with a secure Plaid iframe to log into their bank account, select their preferred account, and authorize the payment. * Plaid handles all bank account verification and authentication. Seamless ACH ** does not store any bank account details**. For more information, please review [Plaid’s End User Services Agreement](https://plaid.com/legal/#end-user-services-agreement-us) and [Privacy Policy](https://plaid.com/legal/#end-user-privacy-policy). This plugin also connects to the **Seamless ACH API** (provided by SeamlessChex, the same company that publishes this plugin), which processes the ACH bank transfers themselves: creating and authorizing transactions, capturing/refunding payments, and syncing payment status back to the WooCommerce order. * The order amount and currency, the WooCommerce order ID, and the bank account token obtained from Plaid (public token / account ID) are sent to the Seamless ACH API when a customer places an order, and when a merchant refunds or cancels an order. * Order status updates are retrieved from the Seamless ACH API either via a webhook call from Seamless ACH to the store, or via a periodic status check initiated by the store, depending on the “Update Order Statuses” setting. * API documentation: [https://developers-ach.seamlesschex.com/](https://developers-ach.seamlesschex.com/) * Terms of Service: [https://www.seamlesschex.com/terms-of-service](https://www.seamlesschex.com/terms-of-service) * Privacy Policy: [https://www.seamlesschex.com/privacy-policy](https://www.seamlesschex.com/privacy-policy) **Enhance your payment suite today with Seamless ACH and experience the simplicity of Plaid-verified ACH payments.** ## Screenshots [⌊Installed Seamless ACH plugin⌉⌊Installed Seamless ACH plugin⌉[ Installed Seamless ACH plugin [⌊General settings⌉⌊General settings⌉[ General settings [⌊Activate additional payment methods with just a few clicks⌉⌊Activate additional payment methods with just a few clicks⌉[ Activate additional payment methods with just a few clicks [⌊New payment method on the checkout page⌉⌊New payment method on the checkout page⌉[ New payment method on the checkout page [⌊Seamless ACH API Secret Keys⌉⌊Seamless ACH API Secret Keys⌉[ Seamless ACH API Secret Keys ## Blocks This plugin provides 1 block. * Wc Seamlessach Block ## Installation #### Install the Plugin 1. Log in to your WordPress Admin Dashboard. 2. Navigate to **Plugins > Add New**. Choose one of the following installation methods: **Option 1 (Recommended): Install from the WordPress Plugin Directory** 1. Enter **Seamless ACH** in the plugin search field. 2. Locate the Seamless ACH plugin in the search results. 3. Click **Install Now**. 4. Once the installation is complete, click **Activate**. **Option 2: Manual Installation** 1. Download the latest version — the [seamless-ach.zip](https://downloads.wordpress.org/plugin/seamless-ach.zip) file — from the official SeamlessChex WordPress plugin page. 2. On the Add Plugins page, click **Upload Plugin**. 3. Select the downloaded `seamless-ach.zip` file. 4. Click **Install Now**. 5. Once the installation is complete, click **Activate**. ## FAQ ### Do I need a US bank account? Yes, a US business checking account is required for all Seamless ACH accounts. ### What documents are required? EIN Letter, Drivers License, Last month’s bank statement, Voided Check. ### When will I get my funds? This is dependent on the [funding speed](https://developers-ach.seamlesschex.com/) enabled on your merchant account. With same-day ACH, you’ll receive funds within 2 business days, and with standard ACH you’ll receive funds within 4 business days. ### How can I process a refund? You can initiate a refund once the transaction is paid. You can cancel a transaction as long as the payment has not yet been exported. The timing of when the payment is exported depends on the funding speed selected (standard or same-day). You can check the _Exported By_ timelines [here](https://developers-ach.seamlesschex.com/). ### How can I cancel a transaction? You can cancel a transaction as long as the payment has not yet been exported. The timing of when the payment is exported depends on the transaction type (debit/credit) and the funding speed selected (standard or same-day). You can check the _Exported By_ timelines [here](https://developers-ach.seamlesschex.com/). RTP credits cannot be cancelled. ## Reviews There are no reviews for this plugin. ## Contributors & Developers “Seamless ACH” is open source software. The following people have contributed to this plugin. Contributors * [ Seamless Chex ](https://profiles.wordpress.org/seamlesschex/) [Translate “Seamless ACH” into your language.](https://translate.wordpress.org/projects/wp-plugins/seamless-ach) ### Interested in development? [Browse the code](https://plugins.trac.wordpress.org/browser/seamless-ach/), check out the [SVN repository](https://plugins.svn.wordpress.org/seamless-ach/), or subscribe to the [development log](https://plugins.trac.wordpress.org/log/seamless-ach/) by [RSS](https://plugins.trac.wordpress.org/log/seamless-ach/?limit=100&mode=stop_on_copy&format=rss). ## Changelog #### 1.0.0 * Initial release of Seamless ACH for WooCommerce. * Plaid-verified ACH bank payments for WooCommerce checkout (classic and Blocks). * On activation, imports settings from a previously installed SeamlessChex ACH gateway and keeps existing orders working (status sync and refunds). ## Meta * Version **1.0.0** * Last updated **2 days ago** * Active installations **Fewer than 10** * WordPress version ** 5.0 or higher ** * Tested up to **7.0.2** * PHP version ** 7.4 or higher ** * Language * [English (US)](https://wordpress.org/plugins/seamless-ach/) * Tags * [ACH](https://tir.wordpress.org/plugins/tags/ach/)[pay](https://tir.wordpress.org/plugins/tags/pay/) [payment](https://tir.wordpress.org/plugins/tags/payment/)[seamlessach](https://tir.wordpress.org/plugins/tags/seamlessach/) [woocommerce payment](https://tir.wordpress.org/plugins/tags/woocommerce-payment/) * [Advanced View](https://tir.wordpress.org/plugins/seamless-ach/advanced/) ## Ratings No reviews have been submitted yet. [Your review](https://wordpress.org/support/plugin/seamless-ach/reviews/#new-post) [See all reviews](https://wordpress.org/support/plugin/seamless-ach/reviews/) ## Contributors * [ Seamless Chex ](https://profiles.wordpress.org/seamlesschex/) ## Support Got something to say? Need help? [View support forum](https://wordpress.org/support/plugin/seamless-ach/)