Payment Multibanco, MB WAY and Credit card for FluentCart via ifthenpay

FAQ

Can I start receiving payments right away? Show me the money!

You have to sign a contract with ifthenpay to activate this service. Go to ifthenpay.com for more information and to sign up.

I’m an individual and not a registered business. Can I use this plugin?

ifthenpay only provides this service to registered businesses and equivalents (such as tax-registered freelancers).
You should contact ifthenpay if you need additional details on this matter.

Can I use this plugin and the ifthenpay service on more than one website?

Yes, but not with the same payment method keys.
Ask ifthenpay for different credentials for each website, and payment method, you need the service to be available.
There are no extra costs, and you can even route payments to separate bank accounts.

Why is the payment method not showing at checkout?

Our payment methods hide themselves when they cannot be used, so a customer is never offered a payment that would fail. Check, in this order:

• The payment method is enabled on its own settings screen;
• Your store currency is set to EUR, which is the only currency ifthenpay supports;
• The MB Key, MB WAY Key, or Credit card Key is filled in and is in the AAA-000000 format (three letters, a hyphen, six digits);
• If you enabled “Only for Portuguese customers”, the customer’s billing or shipping country has to be Portugal;
• If you set “Only for orders from” or “Only for orders up to”, the order total has to be inside that range;
• The order does not include a subscription product. Multibanco, MB WAY, and card payments through ifthenpay need the customer to act on every single payment, so they cannot renew a subscription and are not offered for one.

Does the customer get an email with the payment details?

Multibanco orders send FluentCart’s “Order confirmation to customer (Offline Payment)” email, and its admin counterpart, as soon as the reference is created. MB WAY orders do not: the payment has to be approved in the app within 4 minutes, and FluentCart’s “Order paid” email goes out once it is. Credit or debit card orders do not either: the customer pays right away, on ifthenpay’s payment page, and FluentCart’s “Order paid” email goes out once the payment is confirmed.

FluentCart does not yet let payment methods add content to its default emails, so the reference is not included automatically. With FluentCart Pro, which lets you edit the content of each email, you can edit it in FluentCart > Settings > Email Configuration > Notifications: add a “Custom HTML” block where you want the payment details to appear, containing only the {{ifthenpay.payment_instructions}} smartcode. Use a “Custom HTML” block rather than a paragraph, because the payment details are a table, which email clients do not always display correctly inside a paragraph. The smartcode shows the Multibanco entity, reference, value and expiration (or the MB WAY details) while the order is waiting for payment, and nothing in any other situation, including card orders, so it is safe to add to any email.

A customer paid, but the order is still pending. What can I do?

The “Webhook/Callback” is what tells your store a payment was made, so first check it is activated in the payment method’s settings. A warning shows on the WordPress admin while it is not.
For the rare payment whose callback did not arrive, open the order and use FluentCart’s “Sync” button on the pending transaction. It asks ifthenpay whether the payment was made and, if it was, sets the order as paid and notes on the order that the callback did not arrive. It needs the Backoffice Key, and only works once the “Webhook/Callback” is activated, as it does not replace it.

What is the ifthenpay Backoffice Key used for?

The Backoffice Key is provided by ifthenpay when you sign the contract. It is saved once, in the settings of any ifthenpay payment method, and shared by all of them.
It is used to activate the “Webhook/Callback”, to refund MB WAY and card payments, to check a payment with FluentCart’s “Sync” button, and to read the fee ifthenpay charged on each payment. You can change or remove it at any time, in the same place.
The fee on a card payment depends on the card used, and ifthenpay can still change it in the first 24 hours, so the order screen shows it as provisional until then and reads the final fee from ifthenpay after that.

Can I refund MB WAY and card payments?

Yes. Save the Backoffice Key, and turn on “Process refunds through ifthenpay” in the MB WAY and card settings. It is off by default. Then refund the order in FluentCart as usual, in full or in part, and the money is sent back to the customer through ifthenpay.
While the option is off, or the Backoffice Key is not saved, FluentCart only records the refund, and you refund the customer yourself.
ifthenpay sends the full amount back to the customer and keeps its fee, so the payout on the order screen is the amount paid, less the refunds and the fee.
If ifthenpay cannot do the refund, FluentCart still records it on the order and shows why it failed, so you can sort it out in the ifthenpay backoffice. The most common reason is not having enough funds in your ifthenpay account: the available balance is the sum of the payments received since 20:00 of the previous day that were not yet transferred to your bank account.
Multibanco payments cannot be refunded through ifthenpay. Refund the customer by bank transfer, and record the refund in FluentCart.

How is a credit or debit card payment confirmed?

The customer is sent to ifthenpay’s payment page to type their card details. When the payment succeeds, they come back to your store’s order receipt, and the order is set as paid straight away, after checking that the confirmation was really signed by ifthenpay.
The “Webhook/Callback” confirms the payment too, in case the customer closes the browser before coming back to your store, so it should be activated for card payments as well.

What happens if the card payment fails, or the customer cancels it?

The customer goes back to the checkout, with their cart as it was and a message saying the payment failed or was cancelled, and nothing was charged. They can try again, with another card or another payment method, and the same order is used.
A failed payment sets the order’s payment status to “Failed”, and both cases are recorded on the order’s activity.

Can I test card payments without a real card?

Yes. ifthenpay has a sandbox, and you can ask them for a test Credit card Key. Add this code to your theme’s functions.php file, or a code snippets plugin, to send card payments to the sandbox:

add_filter( 'ifthenpay_fluentcart_ccard_sandbox', '__return_true' );

While it is active, the payment method shows “SANDBOX (TEST MODE)” in its title. Remove it before taking real payments.

Is this plugin compliant with the European Union General Data Protection Regulation (GDPR)?

This plugin does not send any private data of the website where it’s installed, its customers, or the orders, to Naked Cat Plugins / Webdados (the plugin author).
In the MB WAY payment method, the customer’s mobile phone number is collected and sent to ifthenpay (the payment processor) to request the payment authorization, and it can be legitimately processed based on Article 6 (1) (b) of the GDPR.
Logged-in customers can choose, at checkout, to save their MB WAY number to their account on your website. Unticking the box on a later purchase removes it. The shop owner can turn this off in the MB WAY settings.
In the Credit or debit card payment method, the customer types their card details on ifthenpay’s payment page, so they are never collected or stored by your website.
ifthenpay’s privacy policy can be found at https://ifthenpay.com/privacy-policy/?lang=en

Where do I report security vulnerabilities found in this plugin?

Please report security bugs found in the source code of this plugin through the Patchstack Vulnerability Disclosure Program. The Patchstack team will assist you with verification, CVE assignment, and notify the developers of this plugin.