Payment Flow Explained

How payments work with the WP Companion Scotiabank Payment Gateway plugin.

WP Companion provides a WooCommerce integration plugin. We are an independent software developer based in Trinidad and Tobago. This page explains exactly what our plugin does, what it does not do, and where payments are actually processed.

WP Companion is not Scotiabank and is not affiliated with or endorsed by Scotiabank. Payments are processed through the merchant's own Scotiabank eCom+ payment flow. WP Companion does not request or collect internet banking usernames or passwords.

The Four Roles

Who does what in a transaction.

A WooCommerce checkout that uses our plugin involves four distinct parties. None of them is interchangeable with another. Understanding the separation is the clearest way to see that WP Companion is integration software — not a payment processor and not a bank.
01

What WP Companion provides

A WooCommerce integration plugin that connects a merchant's online store to their Scotiabank eCom+ payment gateway. We are software developers. We do not move money, do not hold funds, and do not handle bank credentials.
02

What the merchant provides

Their own WooCommerce store, their own Scotiabank merchant account, and their own eCom+ gateway credentials issued directly by Scotiabank. The merchant is the business selling goods or services and the legal recipient of payment.
03

What Scotiabank provides

The eCom+ payment gateway that authorizes, captures, and settles card transactions. Scotiabank operates the secure hosted payment page where the cardholder enters card details, and controls all approval and settlement decisions.
04

What the customer does

The customer shops on the merchant's WooCommerce store, proceeds to checkout, and enters their card details on Scotiabank's secure eCom+ hosted page. They are then returned to the merchant's store with confirmation of the transaction.
The Payment Journey
Every payment follows the same four-stage path. Card details never pass through WP Companion's software. The merchant's Scotiabank eCom+ flow handles all sensitive payment data directly with the customer.
1

Merchant Store

Customer shops and proceeds to WooCommerce checkout
2

WP Companion Plugin

Forwards order details to the merchant's Scotiabank eCom+ gateway
3

Scotiabank eCom+ Payment Flow

Customer enters card details on Scotiabank's secure hosted page; bank authorizes
4

Merchant Settlement

Scotiabank settles funds directly to the merchant's bank account
Anti-Phishing Statement

What WP Companion does not collect.

  • Internet banking usernames
  • Card numbers, CVVs, or expiry dates
  • Bank account numbers or balances
  • Internet banking passwords
  • PINs, OTPs, or 3-D Secure codes
  • Scotiabank login credentials of any kind
Frequently Asked

Common questions, clearly answered.

No. WP Companion is an independent third-party software developer. We are WP Companion Technology Solutions Limited, a company based in Trinidad and Tobago. We are not Scotiabank, are not owned by Scotiabank, and are not endorsed by Scotiabank. We build integration software that helps merchants connect their WooCommerce store to their own Scotiabank eCom+ payment gateway.

No. WP Companion does not request or collect internet banking usernames or passwords. Our plugin has no mechanism to capture, store, or transmit bank login credentials. Customers enter their card information directly on Scotiabank's own secure hosted payment page — not on any page operated by WP Companion.

Via the merchant's Scotiabank eCom+ payment flow. When a customer reaches checkout, the WP Companion plugin hands off the transaction to Scotiabank's payment gateway. The customer enters card details on Scotiabank's hosted page, Scotiabank authorizes the transaction, and Scotiabank settles funds to the merchant's bank account. WP Companion's software is not involved in handling, storing, or transmitting card data.

The merchant's bank. Scotiabank — as the issuer of the merchant's eCom+ account — controls all transaction authorizations, fraud screening, chargeback handling, and settlement decisions. WP Companion has no role in approving or declining transactions and no access to merchant funds at any stage.

WP Companion provides plugin integration support directly. If you have questions about installation, configuration, or integration behaviour, contact us at info@wpcompanion.co. For questions about your merchant account, eCom+ credentials, settlement timing, or bank-side approvals, contact Scotiabank's merchant services team directly — we cannot make changes on the bank's behalf.

The merchant obtains their own eCom+ credentials from Scotiabank's merchant services. They enter those credentials in the WP Companion plugin settings on their own WooCommerce store. The plugin uses those credentials to forward transaction requests to Scotiabank's gateway. No customer ever sees or interacts with these credentials — they are server-side configuration only.

WP Companion helps Caribbean businesses accept online payments with WooCommerce.

WP Companion is an independent third-party developer and is not affiliated with or endorsed by Scotiabank.
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WP Companion. All rights reserved.