Payment Gateways Settings
Sell Services > Settings > Payment Gateways
Direct link: wp-admin/admin.php?page=wpss-settings#payments
This tab is where you decide how buyers actually hand over money on the standalone checkout. Each gateway is its own card, with its own enable switch and its own Save button.
Settings pages are hash-routed. All tabs render on one screen and the
#paymentsfragment scrolls to this one. There is no?tab=parameter –admin.php?page=wpss-settings&tab=paymentswill land you on General.
Before you configure anything: which rail is active?
Section titled “Before you configure anything: which rail is active?”These gateways power the standalone checkout only.
If WooCommerce, Easy Digital Downloads, FluentCart or SureCart is active, that platform owns checkout and payment end to end. Buyers pay through its gateways and never see these. Configuring Stripe here on a WooCommerce site changes nothing, and the screen will not warn you – there is no “WooCommerce owns payments” banner on this tab.
Check which rail is live on Settings > General, in the E-Commerce
Integration section: it prints Currently Active:
Switching rails never rewrites past orders. An order paid through Stripe keeps its Stripe record and its refunds keep working, even after you move the marketplace to WooCommerce.
How the cards behave
Section titled “How the cards behave”- A gateway that is disabled starts collapsed, with a grey Disabled badge. Click the header to open it.
- Each card is an independent form. Saving Stripe does not save PayPal. Press the Save button inside the card you edited.
- Secret fields are masked. Leaving a secret field blank keeps the saved value – it does not erase it. To rotate a key, paste the new one.
- After saving you stay on this tab; a toast confirms.
Stripe
Section titled “Stripe”Card payments, and the gateway most marketplaces start with.
| Field | Type | Default | Notes |
|---|---|---|---|
| Enable Stripe | Checkbox | Off | |
| Test Mode | Checkbox | Off | Uses Stripe’s test environment |
| Test Secret Key | Password | – | Starts sk_test_ |
| Test Publishable Key | Text | – | Starts pk_test_ |
| Live Secret Key | Password | – | Starts sk_live_ |
| Live Publishable Key | Text | – | Starts pk_live_ |
| Webhook Secret | Password | – | Signing secret used to verify incoming events |
| Pass Gateway Fees to Buyer | Checkbox | Off | On: the fee is added to the buyer’s total. Off: it comes out of vendor earnings |
| Gateway Fee (%) | Number, 0-10 | 2.9 |
Stripe’s percentage. Only used to compute the fee, never read back from Stripe |
| Gateway Fee (Fixed) | Number, 0-5 | 0.30 |
Per-transaction fixed fee, in your currency |
The card includes a three-step Stripe Setup Guide covering API keys, the
webhook endpoint to register (/wpss-payment/stripe/callback/, listening for
payment_intent.succeeded, payment_intent.payment_failed and
charge.refunded), and the minimum permissions for a restricted key.
Fee fields are for display and splitting, not billing. Stripe charges what Stripe charges. These two numbers only tell the plugin how to show and allocate that cost. If your Stripe pricing differs from the US default, set them to your real rate, or the vendor’s earnings line will be slightly wrong.
PayPal
Section titled “PayPal”| Field | Type | Default | Notes |
|---|---|---|---|
| Enable PayPal | Checkbox | Off | |
| Sandbox Mode | Checkbox | Off | |
| Sandbox Client ID / Client Secret | Text / Password | – | From your PayPal sandbox app |
| Live Client ID / Client Secret | Text / Password | – | From your PayPal live app |
| Webhook ID | Text | – | Used to verify webhook signatures |
| Pass Gateway Fees to Buyer | Checkbox | Off | Same behaviour as Stripe |
| Gateway Fee (%) | Number, 0-10 | 2.9 |
|
| Gateway Fee (Fixed) | Number, 0-5 | 0.30 |
Offline Payment
Section titled “Offline Payment”Bank transfer, cash, cheque, invoice – anything settled outside the site. This is enabled on a fresh install so a new marketplace can take an order on day one with no gateway account. (Upgrades are never re-enabled.)
| Field | Type | Default | Notes |
|---|---|---|---|
| Enable Offline Payment | Checkbox | On for new installs | |
| Title | Text | “Manual / Offline Payment” | What the buyer sees at checkout |
| Description | Textarea | “Pay via bank transfer, cash, or other offline methods…” | Short line under the title |
| Payment Instructions | Rich text | Seeded placeholder | Shown after the order is placed. This is where your bank details go |
| Auto-Cancel (Hours) | Number, 0-720 | 0 |
Cancels unpaid orders after N hours. 0 disables |
Payment Instructions supports placeholders: {order_number}, {order_id},
{total}, {currency}. Use them so the buyer can quote a reference on the
transfer.
Offline has no webhook and no automatic confirmation. Nothing tells the site the money arrived – you mark the order paid yourself from the Orders screen. Set Auto-Cancel so unpaid offline orders do not sit open forever; 48 or 72 hours suits most marketplaces.
Test Gateway
Section titled “Test Gateway”A pass-through gateway for development. It only appears when WP_DEBUG is
true, so it cannot be left on by accident in production.
Razorpay [PRO]
Section titled “Razorpay [PRO]”Cards, UPI, netbanking and wallets, primarily for India.
| Field | Type | Default |
|---|---|---|
| Enable Razorpay | Checkbox | Off |
| Test Mode | Checkbox | Off |
| Test Key ID / Key Secret | Text / Password | – |
| Live Key ID / Key Secret | Text / Password | – |
| Webhook Secret | Password | – |
| Theme Color | Text (hex) | #3399cc |
| Pass Gateway Fees to Buyer | Checkbox | Off |
| Gateway Fee (%) | Number, 0-10 | 2.0 |
| Gateway Fee (Fixed) | Number, 0-50 | 0 |
Stripe Connect [PRO]
Section titled “Stripe Connect [PRO]”Splits each payment at charge time: the platform’s cut stays, the rest transfers straight to the vendor’s own Stripe account.
| Field | Type | Default | Notes |
|---|---|---|---|
| Enable Stripe Connect | Checkbox | Off | |
| Platform Fee (%) | Number, 0-100, step 0.1 | 20.0 |
Leave blank to fall back to the general commission rate |
The card also lists vendors’ connected accounts and their onboarding status.
Connect pays the vendor at charge, which bypasses the clearance window entirely. If you rely on a hold period as your refund buffer, understand that Connect does not honour it. See Stripe Connect.
Unlike the core gateway cards, Connect saves over AJAX – the button on the card is the one to press.
What is not on this tab
Section titled “What is not on this tab”- Commission and tax – Commission & Tax Settings
- Withdrawals, clearance and payouts – Payouts Settings
- Which e-commerce platform runs checkout – General Settings
- PayPal Payouts (paying vendors) – that is on the Payouts tab, and is a different PayPal integration from the one above