What Your Customers See

Setting up the plugin is something you do once. Understanding what your customers actually see and do at checkout is what helps you support them when they have a question, so this page walks through the flow from their side, not yours.

Step 1: They see the payment option

At checkout, alongside your other payment methods (credit card, PayPal, whatever else you offer), the customer sees a button labeled with whatever you set in Title (by default, “Pay By Bank”). Under it, they see the short line you set in Description (by default, “Pay using your LUT Account”).

This is the only part of the flow customers see before they’ve committed to using it, so it’s worth spending a minute on the wording. A customer unfamiliar with bank-to-bank payments may hesitate at an unfamiliar button. See Configuration for ideas on wording this for your specific audience.

Step 2: They fill in their name and email

Before the payment widget will load, the customer needs to have entered their First Name, Last Name, and Email in the checkout form. This is a normal part of any checkout, so most customers won’t notice anything unusual here, but if a customer clicks Pay By Bank before filling those fields in, the widget won’t appear. This is the single most common cause of “the widget isn’t loading” reports, and the fix is simply asking the customer to fill in their details first.

Step 3: They click Pay By Bank and connect their account

Once they click the button, the bank-linking widget opens. Where it opens depends on your Show Widget As Popup setting:

Off (default): it opens inline, right there on the checkout page, below the payment options.
On: it opens as a popup window layered over the page.

Either way, the customer is walked through connecting their bank account: no card number, no card expiry, no CVV. This is the core of what “Pay By Bank” means: the money moves directly from their bank account to yours.

Step 4: They place the order

After the bank account is linked, the customer returns to the checkout page and clicks Place Order like they would for any other payment method. That’s the point where the transaction is actually processed.

If something goes wrong specifically at this step (the bank links fine, but the order fails on Place Order), see Troubleshooting → Payments are failing at the final step.

What if they go back or refresh mid-payment?

If a customer hits the back button or refreshes the page partway through, and then tries to pay for the same cart again, they may see a “Cart has already been checked out” message. This isn’t an error on your end. It’s the plugin protecting against a duplicate charge. Removing and re-adding the item(s) to their cart clears it. See Troubleshooting for the exact wording to give a customer who runs into this.

Explaining this to a customer over email or chat

If a customer asks how Pay By Bank works before they’ve tried it, here’s a plain-language version you can adapt:

“Pay By Bank lets you pay straight from your bank account instead of using a card. Click Pay By Bank at checkout, connect your bank account when prompted, then click Place Order like usual. No card number needed.”