RBC Royal Bank typically recommends PowerTranz for e-commerce merchant accounts. We are building the WooCommerce integration for it.
At a glance
Markets this applies to
Banks usually recommend a gateway when you apply, and it can vary by account. Confirm which one yours runs on before you build.
How it fits together
Three separate things have to line up before your WooCommerce store can take a card, and merchants are rarely walked through the difference.
RBC Royal Bank gives you the merchant account. That is the commercial relationship: your rates, settlement into your business account, the underwriting. PowerTranz is the gateway that carries the transaction from your checkout to the card networks. The plugin connects WooCommerce to that gateway.
You need all three. RBC issues the first, PowerTranz operates the second, and the third is what we build. Your money settles into your own RBC account and never passes through us.
Getting ready
RBC operates across several Caribbean markets and merchant services differ between them. Be specific about your territory and about online acceptance when you apply. The markets this page covers are listed above.
Settlement goes into an RBC business account in the territory you trade in. Personal accounts are not accepted for merchant services.
A card-present account for a physical terminal is a different product. Ask specifically for online or card-not-present acceptance.
Settlement differs between the markets RBC operates in. Decide whether you need local currency, US dollars or both before the account is set up.
On approval you receive a merchant ID and API credentials. Those are what the plugin uses. Keep them secure.
Expect a review of the actual store, including terms, refund policy and contact details, before approval.
Ask your merchant services contact to confirm in writing which gateway your account is provisioned against. That decides which integration you need.
The plugin
A WooCommerce payment gateway that connects your store directly to PowerTranz, so you take Visa and Mastercard through your own RBC merchant account with no aggregator holding your money.
A modal checkout so customers never leave your site, with a redirect flow available if you prefer. Card data is handled by the gateway, never by your server.
Full 3DS2 authentication, which matters for overseas card traffic and shifts chargeback liability away from you.
Full and partial refunds, captures and voids from the WooCommerce order screen rather than a separate bank terminal.
Sell in your local currency, in US dollars, or both from the same store, with the currency resolved correctly at checkout.
Every feature unlocked in sandbox mode, unlimited sites, no time limit. Prove the whole flow works before you spend anything.
We are in Trinidad and Tobago and support merchants across the Caribbean. Same timezone, and we know what these banks ask for.
The PowerTranz plugin is scheduled for the fourth quarter of 2026 and is not available yet.
Questions
Does RBC provide a WooCommerce plugin?
No. RBC issues the merchant account and the gateway credentials. Building and maintaining the WooCommerce integration is not something Caribbean banks do, which is the gap we fill.
I am an RBC merchant but in a different territory. Does that matter?
It affects your settlement currency and your rates rather than the integration itself. Tell us your territory when you join the waitlist so we know which markets to test first.
Can I take payments before the plugin ships?
Yes. Other developers sell WooCommerce plugins for PowerTranz today, and aggregators will get you live faster at a higher per-transaction cost. Our comparison page lists them with real numbers, including where they beat us.
What will it cost?
Pricing is not final, but the model will not change: a flat annual licence with zero transaction fees from us, and a free sandbox with everything unlocked. The only per-transaction costs are the ones in your RBC agreement.
WP Companion is an independent third-party developer and is not affiliated with or endorsed by RBC Royal Bank or PowerTranz.
