Zirkel Virtual IBAN for WooCommerce

Accept reconciled bank transfer payments in WooCommerce via Stripe. Each order receives its own unique virtual bank account (SEPA IBAN, UK Bacs, US ACH, Mexican SPEI, Japanese Zengin) through Stripe's customer_balance funding flow, and a Stripe webhook marks the order paid automatically — no manual bank-statement matching.

Built DACH-first: SEPA / EUR is the default.

Requirements

• PHP 8.3+
• WordPress 6.5+
• WooCommerce 9.0+
• A Stripe account with bank-transfer (customer_balance) enabled for your country/currency

How it works

1. Customer selects Bank Transfer at checkout.
2. The plugin creates a Stripe PaymentIntent (customer_balance) and stores the returned virtual bank account details on the order.
3. The order is set to Awaiting Bank Transfer; instructions are shown on the thank-you page and emailed to the customer.
4. When the transfer lands, Stripe fires payment_intent.succeeded; the signed webhook marks the order paid.

Because Stripe holds the receiving account, the payee shown to the customer is your Stripe Business Name (Dashboard → Settings → Business details), not your shop name. That is also the name Stripe answers SEPA Verification of Payee checks with, mandatory EU-wide since 9 October 2025, so the instructions surface it first and explain the name-match notice a customer's bank may show. Reword that note with the btpw_vop_notice filter.

Stripe credential reuse

If the official WooCommerce Stripe Gateway, Payment Plugins for Stripe WooCommerce, or WP Swings' Payment Gateway Stripe and WooCommerce Integration is already configured, this plugin can reuse its API keys. Add support for another plugin with the btpw_stripe_plugin_adapters filter:

add_filter('btpw_stripe_plugin_adapters', function (array $adapters): array {
    $adapters[] = new My_Stripe_Adapter(); // implements StripePluginAdapter
    return $adapters;
});

Your gateway's Test mode is independent of the host plugin's mode — a test-mode lookup always returns the host's test keys, even while it serves live traffic.

Development

composer install
composer test          # Pest 4 unit + feature suite
composer phpstan       # PHPStan level 6
composer format        # Pint (Laravel preset)
composer test:browser  # opt-in Pest browser e2e (needs a live store + BTPW_E2E_URL)
composer dist          # build the scoped, distributable zip
composer pcp           # run WordPress.org Plugin Check on the built zip

composer dist bundles the Stripe SDK namespace-scoped (via Strauss) into ZirkelDesign\BankTransfersForWooCommerce\Vendor\Stripe\… so it never collides with another Stripe plugin's bundled copy.

License

GPL-2.0-or-later.