The merchant reached out for a custom WooCommerce payment solution that could solve one of the most persistent problems in online retail — losing a significant slice of every sale to credit card processing fees.
Our team built a robust WooCommerce payment gateway plugin fully integrated with the FluidPay processor, combining dynamic surcharging, ACH payments, saved cards, subscription support, and one-click refund management into a single, secure, PCI-compliant solution.
For this project, we developed a purpose-driven WooCommerce payment gateway that gives merchants complete control over how processing fees are handled at checkout. The objective was not simply to connect a payment processor, but to create a smart surcharging environment where merchants stop absorbing fees and customers experience a seamless, transparent checkout.
Using PHP, JavaScript, WooCommerce APIs, and FluidPay’s Hosted Fields tokenizer technology, we designed a flexible payment system featuring dynamic surcharge configuration, multiple payment methods, saved card vaulting, WooCommerce Subscriptions support, and full refund management from the WordPress dashboard
Built a dynamic surcharge engine that automatically calculates and displays either a flat fee or a percentage-based surcharge depending on the payment method chosen by the customer at checkout.
Integrated Credit Card and ACH/eCheck payment options so customers can choose their preferred method while merchants benefit from lower processing costs on bank transfers.
Enabled secure card vaulting that allows customers to save their payment details for faster future checkouts without any sensitive data ever touching the merchant's server.
Implemented full WooCommerce Subscriptions compatibility so recurring billing plans automatically apply the correct surcharge amount on every renewal cycle without manual intervention.
Delivered one-click refund and void management so merchants can process returns or cancel transactions directly from their WordPress order dashboard without logging into FluidPay.
Secured the entire checkout flow using FluidPay's Hosted Fields tokenizer, ensuring card data flows directly to the payment processor's servers and the merchant's website remains fully PCI compliant.
Custom WooCommerce Payment Gateway with Dynamic Surcharging
🔶 Dynamic Flat & Percentage Surcharging
🔶 Credit Card & ACH/eCheck Payment Methods
🔶 Secure Card Vaulting for Repeat Customers
🔶 WooCommerce Subscriptions Compatibility
🔶 One-Click Refund & Void Management
🔶 PCI-Compliant Hosted Fields Integration
Transform your WooCommerce checkout with a custom payment gateway that passes processing fees to customers, supports multiple payment methods, and keeps your profits fully intact with enterprise-grade security.
From a Standard WooCommerce Checkout to a Smart Surcharging Platform
Integrated WooCommerce with the FluidPay payment processor.
Developed a custom PHP WooCommerce payment gateway plugin.
Added dynamic surcharge calculation at checkout in real time.
Enabled ACH/eCheck as an alternative low-cost payment method.
Built secure card vaulting for returning customer convenience.
Delivered full WooCommerce Subscriptions recurring billing support.
The merchant needed more than a basic payment integration. They needed a smart checkout engine where processing fees no longer eroded their margins, customers could pay through multiple methods, subscribers were billed correctly every cycle, and the entire flow remained airtight from a security standpoint.
🔶 Customers see the exact surcharge amount calculated and displayed transparently before completing checkout.
🔶 Shoppers can choose between Credit Card and ACH/eCheck based on their preference or available banking details.
🔶 Returning customers can save their card securely and check out faster on future orders without re-entering details.
🔶 Subscription customers are billed automatically on every renewal with the correct surcharge applied without any friction.
🔶 The entire payment experience happens on the store without redirects, keeping the checkout professional and seamless.
🔶 Merchants can configure surcharge type — flat fee or percentage — directly from the WooCommerce settings panel.
🔶 Refunds and payment voids can be processed with one click from the WordPress order management screen.
🔶 All card data is handled entirely by FluidPay's Hosted Fields, so the merchant's server never stores sensitive information.
🔶 Subscription renewals are processed automatically, with surcharge amounts recalculated accurately on each billing cycle.
🔶 ACH transaction settings can be configured separately, giving merchants flexibility over fee structures per payment type.
This WooCommerce Surcharge Payment Gateway was built for an e-commerce merchant processing high volumes of online transactions who needed a practical, compliant way to recover credit card processing costs. The merchant serves retail and B2C customers who purchase directly through their WooCommerce store, and needed a checkout experience that was both transparent for buyers and financially efficient for the business.
The plugin was built as a fully self-contained WooCommerce extension, compatible with WooCommerce Subscriptions, requiring no third-party surcharge plugins, and deployable across any WooCommerce-powered store running FluidPay as its payment processor.
By automatically passing credit card surcharges to customers at checkout, the merchant no longer absorbs the 2–3% processing cost on every transaction, resulting in significant savings across high-volume sales.
Customers enjoy a fast, on-site checkout experience with clearly displayed surcharge amounts, multiple payment options, and saved card convenience — without ever being redirected away from the store.
Card data flows directly to FluidPay’s secure servers via Hosted Fields tokenization, meaning the merchant’s website never touches sensitive payment information and remains fully PCI compliant at all times.
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Let us build a custom WooCommerce payment gateway that stops processing fees from eating your revenue and gives your customers a fast, secure checkout they can trust.
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