PowerTranz Payment Gateway for WooCommerce by GDC

The most complete PowerTranz / First Atlantic Commerce (FAC) integration for WooCommerce — purpose-built for merchants across the Caribbean, Latin America, and beyond. Process credit and debit card payments directly on your WooCommerce store with enterprise-grade 3D Secure 2.0 authentication, intelligent fraud protection, WooCommerce Subscriptions support, and a powerful admin experience built by the only development team that lives and breathes this gateway. This isn’t a generic payment plugin with PowerTranz bolted on — every feature is tuned specifically for the way Caribbean acquirers configure their merchants.

Why merchants choose this plugin

100% PowerTranz Simplified 3DS v2.5 compliant — matches the official API specification line-for-line, including the full 3DS authentication flow, SPI token handling, and SameSite-cookie-safe callbacks
Proven on live merchants processing real transactions in USD, XCD, JMD, TTD, BBD, GYD, and more
Only plugin with a PowerTranz-specific onboarding wizard, decline analytics, and anti-card-testing protection built in
Active development, fast support — written and maintained by Genius Digital Commerce, Caribbean e-commerce specialists

Complete Feature Set

Payment Processing

3D Secure 2.0 authentication with automatic fallback to 3DS v1.0
Frictionless and challenge flows — customers only see the bank step-up when the issuer requires it
Authorize-only or Authorize + Capture — choose your settlement strategy per store
Manual capture for authorized transactions, triggered directly from the WooCommerce order screen
Full and partial refunds from the WooCommerce admin
Automatic void of non-captured transactions
Multi-currency ready — 20+ currencies supported with automatic ISO-4217 numeric code mapping
Configurable order identifier prefix for easy cross-referencing with your PowerTranz portal

Checkout Experience

Works with both Classic checkout and the new WooCommerce Blocks checkout — native support for both, no workarounds
Native decline message display for both checkout types, rendered directly in the block notice store (no stale WC session pollution)
Customizable checkout logo — upload your own via the WordPress media library, or use the included default
Configurable payment method title and description for a fully branded customer experience
Selectable accepted card brands — Visa, MasterCard, Amex, Discover, JCB, Diners, Maestro, NCB Keycard
Automatic card expiration formatting on the front-end for a smoother user experience
Custom card validation with clear, translated error messages

Subscriptions & Recurring Payments

Full WooCommerce Subscriptions integration — recurring billing, renewals, cancellation, suspension, reactivation
Tokenized card renewals — card data stays with PowerTranz, never touches your server
Customer-initiated payment method changes via the My Account dashboard
Admin-initiated payment method changes for support staff
Delayed payment method updates for flexible billing scenarios
Intelligent renewal failure handling — fails the subscription only on genuine declines, not on duplicate hook triggers or completed orders

Saved Cards (Tokenization)

PCI-safe card tokenization — customers can save cards for faster future checkouts
Dedicated admin page for managing tokenized cards across all customers
Live search, bulk delete, and expired card cleanup built in
Token deduplication — no more duplicate card entries for returning customers
Customer self-service — customers can add and remove their own saved cards
Direct links to subscriptions that use each stored card

Security & Fraud Protection

Decline velocity throttling — IP-based rate limiting automatically blocks card-testing attacks before they hit your merchant account
- Configurable threshold (1–50 attempts) and time window (1–1440 minutes)
- Protects against the #1 threat to small-merchant PowerTranz accounts
Kount fraud scoring integration — optional, for merchants with a Kount account
Address Verification System (AVS) toggle
CVV verification on every transaction
Transaction state monitoring — blocks payments flagged for fraud review even when 3DS passes
Automatic SSL/TLS certificate validation — warns you in the admin when your server has outdated cipher suites
License-gated operation — multi-point verification prevents tampering
Nonce-protected admin actions — CSRF protection on every sensitive operation

Decline Management

Configurable decline order handling — choose between keeping declined orders as “Failed” for retry, or automatically deleting them and restoring the cart
Comprehensive decline log with customer name, email, phone, IP, card last 4, products purchased, ISO decline code, and PowerTranz reference number
Sortable, searchable, paginated admin table for decline analysis
Color-coded ISO decline code badges for at-a-glance severity
Clickable product links from decline entries directly to the product edit page
Subscription renewal declines clearly marked and separately trackable
Live JavaScript search across all decline log columns
Bulk delete and per-entry delete with full nonce protection
Up to 500 recent declines stored for reporting and analysis

Admin Dashboard

Dedicated top-level admin menu with six purpose-built sub-pages:
1. Overview — at-a-glance status cards, quick links, and environment info
2. Setup Wizard — 7-step guided configuration
3. Configure Plugin — organized gateway settings in 5 section cards
4. Decline Logs — searchable, sortable decline analytics
5. Tokenized Cards — customer payment method management
6. Debug Logs — WooCommerce logger access and TLS validation
Real-time status indicators — gateway enabled/disabled, test/live mode, license status, tokenization status
Plugin environment info display — WordPress, WooCommerce, PHP versions and compatibility status
Quick-access links to settings, logs, PowerTranz portal, and support
Responsive admin UI — works on desktop, tablet, and mobile

Setup Wizard

7-step guided onboarding that takes a merchant from zero to production-ready in under 15 minutes:
1. License activation
2. Store currency selection (filtered to PowerTranz-supported currencies)
3. Merchant credentials with live connection test
4. Payment processing configuration
5. Checkout appearance and branding
6. Decline handling and security
7. Test order verification with 20+ reference test cards
Live credential validation — tests your PowerTranz ID and password against the real API before saving
Progress tracking with visual step indicators
Skip and return — merchants can pause and resume at any step
Included test card library for both successful and declined test cases

Logging & Diagnostics

Detailed debug logging toggle for troubleshooting, written to WooCommerce → Status → Logs
Automatic PCI-safe data masking — card numbers, CVVs, passwords, and tokens are automatically redacted before anything is written to disk
Standardized [PowerTranz] order notes — every plugin-generated note uses a consistent format for easy scanning
Card brand and last 4 digits included in all payment notes and decline logs
TLS cipher validator — proactively detects insecure server configurations

Compatibility

WordPress 6.0+ and the latest Block Editor
PHP 7.4 through 8.3
WooCommerce 4.5+ including the latest releases
WooCommerce High-Performance Order Storage (HPOS) — fully compatible, HPOS-native queries throughout
WooCommerce Subscriptions (all recent versions)
WooCommerce Blocks checkout — full native integration
WooCommerce Deposits & Partial Payments — supports split-payment sub-orders

Localization

Full English, French, and Spanish translations — 407+ strings translated for Caribbean and Latin American markets
Automatic locale detection via WooCommerce’s determine_locale() for per-user admin language plugins
Gettext-based translation system — easily extendable to other languages
All customer-facing strings internationalized — checkout, error messages, admin notices, and email notifications

Support & Updates

Backed by Genius Digital Commerce — Caribbean payment integration specialists
Active development with regular feature releases and security updates
Email, phone, and contact-form support for licensed users
Comprehensive admin help links to documentation, setup guides, and the PowerTranz portal
License key management built into the admin UI with one-click activation

Ready to accept PowerTranz payments on WooCommerce the right way? This is the only plugin that treats PowerTranz as a first-class citizen, not an afterthought. Install it, run the wizard, and start processing transactions — no custom development, no third-party dependencies, no compromises.

Changelog:

3.7.3

Release Date – Apr 7, 2026 v3.7.3 Apr 07, 2026

Improvements to block-based checkout and decline log entries.
Decline messages now display natively in both classic and block checkout.
Normalized all source files to LF line endings for consistency with WordPress core.

3.7.2

Release Date – Apr 1, 2026 v3.7.2 Apr 01, 2026

Fixed 3DS callback POST data sanitization.
Fixed decline throttle race condition.
Fixed nonce verification ordering in decline log deletion.
Test connection saves verified credentials.
Fixed null dereference on deleted saved cards. Improve license activation.
Added Woocommerce dependency.
Improved HPOS compatibility.
Minor bug fixes.

3.7.0

Release Date – Mar 25, 2026

Completely redesigned admin panel with tabbed navigation
New 7-step Setup Wizard guides you through initial configuration
Configuration page reorganized into 5 clearly separated sections
New Overview dashboard page with status cards showing gateway status, license status, tokenization stats, decline log count, TLS/SSL status, plugin version info, and quick links to all settings.
WooCommerce Checkout Blocks support
Configurable declined-order handling — choose between keeping declined orders as Failed (customer can retry on the order-pay page) or deleting the order, restoring the cart, and redirecting back to checkout.
Fraudulent Card Testing Protection (decline velocity throttle) — automatically blocks IP addresses that exceed a configurable number of declined payment attempts within a time window. Protects your store from fraudulent repeated payment attempts by bots.
Redesigned Decline Logs page
Subscription renewal declines are now tracked in the Decline Logs
Redesigned Tokenized Cards management page
Custom checkout logo — upload your own branded image via the WordPress media library to display at checkout instead of the default PowerTranz logo. Works with both classic and block-based checkout.
Card information now included in all order notes
Descriptive payment method titles — WooCommerce order notes now read “Payment via Visa ending 1234” instead of the generic “Payment via Credit Card”.
All order notes from this plugin now use the [PowerTranz] prefix for easy identification in order history.
Improved card tokenization
Implementation of debug logs with sensitive data redacted
French and Spanish translations fully updated
Improved naming of some fields on config page
Default order reference prefix changed from “FAC” to “PTZ”
Implementation of new Menu in Admin called PowerTranz Gateway to give quick access to all plugin pages.
Other UI/UX improvements.
Minor bg fixes

3.6.4

Release Date – Jun 30, 2025 v3.6.4 Jun 17, 2025 – Added TLS cipher validation notice for administrators to ensure server-side security compliance. Validation does not block payments but displays warnings in the admin panel when insecure or unknown ciphers are detected. Also includes compatibility improvements for servers running cPanel, HestiaCP, and similar environments.

3.6.3

Release Date – May 17, 2025 Improve transaction processing by filtering characters not supported by removing or transliterating non-english characters that the Payment Gateway does not support

3.6.2

Release Date – Feb 18, 2025 v3.6.2 Feb 18, 2025 – Fixed issue with validation of card expiration dates

3.6.1

Release Date – Sep 9, 2024 v3.6.1 Sept 09, 2024 – Correction of fac registration error warning

3.6.0

Release Date – Sep 5, 2024 v3.6.0 Sept 05, 2024 – Filter correction for suborders

3.5.9

Release Date – Aug 20, 2024 v3.5.9 May 30, 2024 – Added support for partial deposit payment plugins v3.5.9 May 30, 2024 – Solution to the news hook error v3.5.9 May 30, 2024 – Added support for KOUNT Fraud Check

3.5.8

Release Date – May 6, 2024 v3.5.8 May 06, 2024 – Enable WooCommerce Tax Total on Transaction Data

3.5.7

Release Date – Apr 29, 2024 v3.5.7 Apr 26, 2024 – Appsero SDK Update

3.5.6

Release Date – Apr 25, 2024 v3.5.6 Apr 24, 2024 – Correction of warnings

3.5.5

Release Date – Apr 24, 2024 v3.5.5 Apr 24, 2024 – FAC field restrictions.

3.5.4

Release Date – Apr 16, 2024 v3.5.4 Apr 16, 2024 – additional validations have been added to limit the maximum number of characters in the billing fields.

3.5.3

Release Date – Mar 26, 2024 v3.5.3 Mar 26, 2024

Added support for High-performance Order Storage (HPOS)
New translations added to the Spanish language
Security enhancements
Improved support for Woo Subscriptions plugin.

3.5.2

Release Date – Feb 17, 2024 v3.5.2 Feb 16, 2024

Updated the link used to send requests to the payment gateway and to receive payment responses in order to make the plugin more compatible with plugins that manage 404 redirects. If any issues are observed after this upgrade, go to Settings >> Permalinks and hit save to ensure your website is registering the latest permalink settings.

3.5.1

Release Date – Feb 16, 2024 v3.5.1 Feb 15, 2024 – Update plugin to detect the language used by wordpress to ensure plugin content is shown in Spanish / English depending on the store configuration.

3.5

Release Date – Feb 15, 2024 v3.5 Feb 13, 2024

Spanish translations added
Added Compatibility for our Card Registration plugin
Minor updates to API

3.4

Release Date – Sep 25, 2023 v3.4 September 25, 2023 – Improve plugin support for payment of orders and invoices manually created by admins.

3.3

Release Date – Sep 25, 2023 v3.3 September 25, 2023 – Improve plugin support for payment of orders and invoices manually created by admins.

PowerTranz (First Atlantic Commerce) Payment Gateway for WooCommerce by GDC