When we launch an online shop The first thing that comes to mind is how to optimise and automate payment processes. Sometimes beginners assume at the outset that a simple bank transfer or cash on delivery method will suffice due to lack of skills or fear of "unexpected" charges. Is there really anything to be afraid of and are the classic forms of payment mentioned above enough? They are not!

Nowadays, most people shopping online expect simple and fast shopping processes. It's not uncommon for the scenario to be that someone already has a product in their basket, moves on to payment and... has the choice of bank transfer or cash on delivery. What does he do? He says: thank you, I will look elsewhere. I want to pay on the spot and not mess around with transfers or think about having to prepare money for the courier. Unfortunately, this is often the case and this phenomenon is getting worse. People increasingly want to have payment behind them and just wait for the product or access to the service they have purchased.

When there was little trust in online payments, yes, paying by bank transfer or cash on delivery was more often chosen, but now most of us are used to paying online, paying with phones, watches and whatnot. I've even seen that you can implant a chip under your skin and make payments that way. The world is changing at a dizzying pace, and so are our habits, our customs, our preferences.

Payment gateways for WooCommerce

There are probably all possible ones, but it's hardly surprising since WooCommerce is the most widely used e-commerce script. Probably every payment operator on a good day is considering releasing a plugin for WordPress that integrates Woo with their system. With so many WordPress users, it couldn't be any other way.

I have used many gateways, some operators are not even on the market anymore. Usually they have been absorbed by others, but there is still one plugin I like the most and use in all my projects. It is tpay.

In addition to tpay, a constant element of my ecommerce projects is Stripe i.e. card payments and PayPal (virtual wallet and card payments). In principle, by combining these three gateways, I am able to offer the Polish recipient all possible electronic payment channels.

Why do I like tpay?

There are two main reasons. Reason one is that it supports all the key channels of Polish e-banking. Something that almost every Polish shop selling on the Polish market should have. There is basically everything here.

Payment channels

  • Polish electronic banking (mBank, ING, NestBank, PKO BP, PKO SA, Millenium and others...)
  • Online instalments - Do you have more expensive products in your shop? You can increase your turnover by offering instalment sales
  • mobile payments - BLIK, QR payments, Fastpass...
  • electronic wallets - I have already mentioned PayPal, but there is also GPay or masterpass
  • payment cards

We're practically set 🙂 So you might be wondering why then am I using Stripe and PayPal when tpay has integration with PayPal and card payments? The independent integrations with PayPal and Stripe give me a bit more options. These are my choices based on my own preferences, including those related to better optimisation of my shopping processes. I use tpay, PayPal and Stripe together most often.

Free WooCommerce plugin

Reason number 2 is, in my opinion, the best developed plug-in available free of charge for WooCommerce shop among all other Polish online payment providers. On the one hand, the plug-in is simple to configure, and on the other, despite this simplicity, it has what most of us need. Including the possibility to add a fee for using this particular payment channel.

If what you're offering are low-margin products, you can pass on the cost of the transaction to buyers. A common occurrence in these situations. The tpay plugin allows for this.

Configurable additional fee for tpay transactions

You also have basic automation elements like changing the status of an order once payment has been received correctly, etc...

Automation in tpay plugin settings

I have been using tpay for years and have never noticed any major problems. The integration and the plugin just works, and I can't remember the last time I wondered if everything was ok with the payment methods 🙂 I've never had a problem with tpay.

You can download the plugin for free from the WordPress repository: Woocommerce Payment Gateway - tpay.com. Configuration instructions: on the tpay website.

Convenient and clear payment recipient panel

Another feature I really like about tpay. Some time ago they had a rather clunky panel for viewing and managing transactions, but the current one is completely different.

This is what the tpay payee panel looks like

This is important because the test is the place your money flows through, so it should be as friendly as possible so you don't feel lost.

Above is a screenshot of a demo payee panel, the details for which can be found at: https://tpay.com/panel Here you can take a closer look at its capabilities.

Attractive fees

That is, just low. The kind that won't weigh down your start-up or fully fledged online business. A little more on this below.

What are the costs of using tpay

Using payment gateways on websites is an additional cost you have to reckon with. In most cases, these are not fixed subscription costs, but fees based on the transactions that take place. In other words if you don't sell you don't pay, if you do sell and customers choose to transact online the fee is usually a small percentage of the transaction amount plus a small fixed fee.

For tpay at the time of writing this article, the costs are as follows:

  • registration - 0 zł
  • 4 withdrawals in month - 0 zł (next 2 zł)
  • account activation - PLN 10 one time
  • commission on each transaction - 1,59% + 0.39 PLN

For comparison, PayPal commissions are at the level of 2,90% + 1,35 złand even more depending on currencies and other factors. Dotpay and Przelewy24, or actually the latter as DotPay has been absorbed, have commissions at the level of 1,9%. There is no fixed fee for each transaction, but the higher percentage more than makes up for it.

A gift for JZS readers - lower commission

I am of course talking about tpay. My readers can register their merchant account and run their business with a lower commission, which is 1,3%. How do I benefit from the lower commission? Just register on tPay using the button below. Nothing more 🙂 .

Gift for PoznajWP learners

Also for my students at PoznajWP.pl I have a special offer with an even lower commission and in addition a lower fixed fee for each transaction. If you want to take advantage of it, I invite you to WooCommerce Coursewhere you will find the appropriate link for registration.

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