Direct Bank Transfer (BACS) with automatic reconcile for WooCommerce

An extended bank-transfer (BACS) payment gateway for WooCommerce — import your incoming bank payments (CSV / CAMT.053) and reconcile them automatically against open orders.

Direct Bank Transfer (BACS) for WooCommerce is a copy of the built-in WooCommerce “Direct bank transfer” (BACS) gateway, extended with a complete payment reconciliation workflow. Customers pay by bank transfer using their order number as the reference; you then import the incoming payments of your bank account and the plugin matches them against the open orders, so you can mark them as paid — per order or all at once.

It reads bank statements in CAMT.053 (ISO 20022 XML) and in CSV with a flexible, user-defined column mapping. It is fully HPOS compatible and works in the classic and the block checkout.

Features

• Extended BACS gateway — a self-contained bank-transfer payment method (separate from core BACS) with bank account details, instructions and a clear payment reference.
• Payment reconciliation — import incoming payments and match them to open orders automatically.
• Works with standard WooCommerce BACS — optionally reconcile and book orders paid with the built-in WooCommerce “Direct bank transfer” (BACS) gateway too, so existing BACS orders are covered without switching payment method.
• CAMT.053 import — robust, namespace-agnostic ISO 20022 parser (works with camt.053 .02 / .08 / .14 and real-world bank quirks); only incoming credits are imported.
• CSV import with a mapping editor — the CSV has no fixed structure, so you describe it: which column holds the reference, the amount, the date, etc.
• Reusable CSV profiles — save a mapping per bank and reuse it on every import; an editor analyses a sample CSV and shows the column positions.
• Automatic matching — payments are matched by the order number found in the reference and by the amount (with a configurable tolerance).
• Review list — see every open order with its assigned payment, plus all imported payments and their status.
• One-click booking — mark a single order as paid, or book all matched payments at once.
• Manual assignment — assign a payment to an order by hand when the automatic match is not possible.
• Duplicate protection — the same payment can not be imported twice.
• HPOS ready — uses the WooCommerce order CRUD throughout; no direct database hacks.
• Block checkout support — appears in the modern WooCommerce block checkout as well as the classic checkout.
• Order list column — shows the BACS-X payment status (paid / awaiting) in the order list.
• Internationalised — full text-domain support; German and English documentation included.

How it works (in short)

1. The customer chooses bank transfer at checkout; the order is set to on-hold and the order number is stored as the payment reference.
2. The customer transfers the money to your bank account using that reference.
3. You export the incoming payments from your online banking as CAMT.053 or CSV and import the file under WooCommerce → BACS-X Reconciliation.
4. The plugin matches the payments to the open orders by reference and amount.
5. You review the list and mark the orders as paid — per order or all matched at once.

Requirements

• WordPress 6.9+
• WooCommerce 8.0+ (tested up to 10.9)
• PHP 7.4+
• Bank statements exported as CAMT.053 (XML) or CSV