Kairos Labs Bank Transfer Reconciliation for WooCommerce

A focused WooCommerce payment gateway for accepting bank transfers (SEPA, SWIFT, FPS, ACH, and similar local rails). Each order gets a unique payment reference that you match against your incoming bank statement, then mark as paid from the order screen with a single click.

This plugin is intentionally minimal. It presents the customer with your bank details and a payment reference, then gives you a “Mark as paid” button on the order page. Reconciliation is manual.

The plugin name mentions Wise because the typical use case is merchants who receive payments into a Wise (formerly TransferWise) Business account, but the plugin itself is bank-agnostic — any IBAN/SWIFT-receiving account works. No API integration, no third-party HTTP calls. Everything runs locally in your WordPress install.

Features

• Bank-detail checkout block — IBAN, BIC, account holder, bank name and country are shown to the customer on the order-pay and order-received pages.
• Unique payment reference per order — generated with a configurable prefix (e.g. KLC-17-4R9NE3) so you can match transfers on your bank statement at a glance.
• One-click manual confirmation — a “Mark as paid” button on the WooCommerce order screen moves the order to Processing and records who confirmed it and when, in the order notes.
• HPOS compatible — works with both the legacy wp_posts order storage and WooCommerce High-Performance Order Storage.
• WooCommerce Blocks compatible — renders correctly in the block-based checkout introduced in WooCommerce 7+.
• HTML order emails — bank details and payment reference are embedded in the WooCommerce order on-hold email so the customer has everything they need to pay.
• Customisable instructions — show your own copy in any language on the thank-you page and in emails.
• No tracking, no external requests — the plugin makes zero HTTP calls to third-party servers.

Why does WooCommerce need this when it ships with BACS?

WooCommerce ships with a generic “Direct bank transfer” (BACS) gateway, but it has no per-order reference, no structured way to display multi-line bank details, and no one-click confirmation flow on the order screen. This plugin fills that gap.

Trademark notice

This plugin is developed independently by Kairos Labs. It is not affiliated with, endorsed by, or sponsored by Wise Payments Limited or Automattic Inc. “Wise” is a trademark of Wise Payments Limited. “WooCommerce” is a trademark of Automattic Inc.