Interac e-Transfer / vs Really Simple Security – Simple and Performant Security (formerly Really Simple SSL)

A clean, reliable EMT gateway for Canadian WooCommerce stores. Customers place an order, then send an Interac e-Transfer. Your store shows clear payment instructions on: – The Thank You page – Order emails – My Account → Order details You can use a static password/answer, or generate dynamic answers per order. You can also offer a discount to encourage EMT. Core Features Works with WooCommerce Classic Checkout and Block Checkout Static or dynamic secret answer Highly customizable instructions (with placeholders) Shows instructions in Thank You, emails, and My Account Optional EMT discount (percentage) + optional savings message Admin/debug friendly; HPOS-ready; translatable Pro Upgrade (Automation & Convenience) If you want the “stop waking me at 3am” features, upgrade to Pro. Pro adds tools that help you match incoming deposit emails to the correct order automatically (IMAP inbox watching) and avoid “same total” collisions (Auto-Match Cents). You can upgrade from the plugin settings screen. Configuration (Recommended Setup) Go to: WooCommerce → Settings → Payments → Email Money Transfer (EMT) → Manage 1) Basic EMT Settings These are the settings most stores need: Enable/Disable: turn EMT on. Title: what customers see at checkout (example: “Interac e-Transfer”). Description: short checkout text to reduce confusion (example: “Pay by EMT. Instructions shown after checkout.”). Secret Answer Mode: Static: you enter one answer and customers use it. Dynamic: the plugin generates an answer per order (less reuse, less confusion). Instructions: Write your “send the EMT to X email + use password Y” instructions here. 2) Instruction Placeholders (Copy/Paste Safe) You can use placeholders inside your instructions: [order] → Order number [answer] → The secret answer/password for that order [amount] → Exact total the customer must send [discount] → Your discount percent Example instruction template: Send [amount] to [email protected]. Security answer: [answer] Include order #[order] in the message. 3) EMT Discount (Optional) If you want to encourage EMT use: – Discount Percent: enter a number like 3 (for 3%). – Discount Message: optional. Use [discount] where you want the percent to appear. If blank, the plugin uses a default “Save X% …” message. Pro Feature: Auto-Match Cents (Unique Totals) The biggest problem with “auto matching” is when multiple unpaid orders have the same total. Auto-Match Cents solves this by applying a tiny extra discount (cents) so each EMT order total becomes unique. How it works: – At checkout, Pro can add a small “cents” discount line (for example, -$0.07). – The customer sends the exact total shown. – When your deposit email arrives, the plugin can match the amount to the exact unpaid order. Settings: – Enable Auto-Match Cents – Auto-Match Min Cents (default 1 = $0.01) – Auto-Match Max Cents (default 25 = $0.25) – Auto-Match Window (Hours) (default 72) When picking cents, the plugin avoids totals already used by unpaid EMT orders created in this window. – Auto-Match Line Label The label shown at checkout for the tiny cents discount (example: “EMT Auto-Match Discount”). Recommended values (most stores): – Min: 1 – Max: 25 – Window: 72 hours Notes: – This is still a DISCOUNT line (not a fee). It reduces the order total slightly. – Keep the range small (1–25¢) so customers don’t feel “baited” or confused. Pro Feature: Auto-Confirm Orders via Inbox (IMAP) SEE SCREENSHOT 7 ON HOW TO FIND THE 7 DAY FREE TRIAL (For a limited time) Pro can check a mailbox (via IMAP) for Interac deposit emails and automatically mark matching EMT orders as paid. IMPORTANT: – This requires the PHP IMAP extension on your server. – Credentials are stored in WordPress options. Use a dedicated mailbox if possible. Best-Practice Setup (Do This Once) 1) Create a dedicated mailbox used only for EMT deposit notifications. (Example: [email protected]) 2) Ensure deposit notifications for that mailbox go ONLY to that mailbox. 3) Turn on Auto-Match Cents (recommended) so totals are unique. 4) Configure IMAP settings and click “Test IMAP Connection”. IMAP Settings (Field-by-Field, Dummy-Proof) 1) IMAP Username Usually your full email address (example: [email protected]). Some hosts use only the mailbox name—check your provider’s “Mail client setup” page. 2) IMAP Password / App Password Use your mailbox password for this email account. If your email provider uses Two-Factor Authentication (2FA) and offers App Passwords (common with Gmail, Yahoo, Microsoft 365), you may need to use an App Password instead of your normal password. Most “website email” accounts (cPanel/Plesk hosting email) do not have App Passwords—use the mailbox password you set in your hosting panel. 3) IMAP Host This must be your provider’s IMAP server. Examples: imap.gmail.com, imap.mail.yahoo.com, outlook.office365.com, or mail.yourdomain.com App Passwords do not fix a wrong host—make sure Host/Port/Encryption are correct first. 4) IMAP Encryption Most providers use SSL. 5) IMAP Port Most providers use 993 for IMAP over SSL. 6) Mailbox / Folder Default: INBOX You can use a subfolder like INBOX/EMT if your mailbox supports it. 7) Skip Certificate Validation (advanced) NOTE– Only enable this if your mail server uses a self-signed/invalid certificate and the connection test fails. Leaving it off is more secure. 8) Inbox Check Interval (Minutes) How often to check the mailbox (default 5). Note: if your site relies on WP-Cron and has low traffic, the checks can be delayed. For best reliability, use server cron or WooCommerce Action Scheduler. sites with regular visitors will not have to worry. 9) Subject Keywords (comma separated) Only process emails whose subject contains at least one keyword (case-insensitive). Defaults include: Interac, e-Transfer, eTransfer, Autodeposit, Auto Deposit, Deposit 10) Trusted Sender Addresses (comma separated) Only emails from these senders can auto-confirm orders. Default: [email protected] Examples: [email protected], payments.interac.ca 11) From Contains (optional) An extra filter to reduce false positives (example: interac, notify, etransfer, yourbank) 12) Mark Processed Emails as Seen If enabled, processed emails are marked read/seen. 13) Order Completion Method Controls how the order is marked paid. (Payment Complete is recommended.) 14) Matching Window (Hours) Only match unpaid EMT orders created within this window. IMAP Connection Test Click “Test IMAP Connection”. You should see Connected OK (green) or an error message (red). Troubleshooting (Common Problems) “IMAP extension missing” Your server doesn’t have PHP IMAP enabled. Ask your host to enable the PHP IMAP extension. “Authentication failed” Wrong username/password, or you need an App Password. Username is your email address. If you have 2FA enabled, create an App Password and use it. Some providers block IMAP until you enable IMAP access in the mailbox settings. “Could not connect / Host not found” Wrong IMAP host. Wrong encryption or port. Start with SSL + 993 and the provider’s documented host. “Certificate / SSL error” Try enabling “Skip Certificate Validation” ONLY if your host uses a self-signed/invalid cert. Auto-Match isn’t finding matches Make sure deposit notifications land in the mailbox/folder you configured. Confirm Trusted Senders includes the real sender address. Confirm Subject Keywords match your deposit email subjects. Enable Auto-Match Cents to prevent same-total collisions. Auto-Match is not going to match %100 of the orders, and that is mostly for security. if enough matches are not found it will be left for manual confirm.

Easily improve site security with WordPress Hardening, Two-Factor Authentication (2FA), Login Protection, Vulnerability Detection and SSL certificate. Really simple, Effective and Performant WordPress Security Really Simple Security is the most lightweight and easy-to-use security plugin for WordPress. It secures your WordPress website with SSL certificate generation, including proper 301 https redirection and SSL enforcement, scanning for possible vulnerabilities, Login Protection and implementing essential WordPress hardening features. We believe that security should have the absolute minimum effect on website performance, user experience and maintainability. Therefore, Really Simple Security is: Lightweight: Every security feature is developed with a modular approach and with performance in mind. Disabled features won’t load any redundant code. Easy-to-use: 1-minute configuration with short onboarding setup. Security Features Easy SSL Migration Migrates your website to HTTPS and enforces SSL in just one click. 301 redirect via PHP or .htaccess Secure cookies Let’s Encrypt: Install an SSL Certificate if your hosting provider supports manual installation. Server Health Check: Your server configuration is every bit as important for your website security. WordPress Hardening Tweak your configuration and keep WordPress fortified and safe by tackling potential weaknesses. Prevent code execution in the uploads folder Prevent login feedback and disable user enumeration Disable XML-RPC Disable directory browsing Username restrictions (block ‘admin’ and public names) and much more.. Vulnerability Detection Get notified when plugins, themes or WP core contain vulnerabilities and need appropriate action. Login Protection Allow or enforce Two-Factor Authentication (2FA) for specific user roles. Users receive a two-factor code via Email. Improve Security with Really Simple Security Pro Protect your site with all essential security features by upgrading to Really Simple Security Pro. Advanced SSL enforcement Mixed Content Scan & Fixer. Detect files that are requested over HTTP and fix them to HTTPS, both Front- and Back-end. Enable HTTP Strict Transport Security and configure your site for the HSTS Preload list. Firewall Really Simple Security Pro includes a performant and efficient WordPress firewall, to stop bots, crawlers and bad actors with IP and username blocks. 404 blocking – Blocks crawlers as they trigger unusual numbers of 404 errors. Region blocking – Only allow/block access to your site from specific regions. Automated and customisable Firewall rules. IP blocklist and allowlist. Security Headers Security headers protect your site visitors against the risk of clickjacking, cross-site-forgery attacks, stealing login credentials and malware. Independent of your Server Configuration, works on Apache, LiteSpeed, NGINX, etc. Protect your website visitors with X-XSS Protection, X-Content-Type-Options, X-Frame-Options, a Referrer Policy and CORS headers. Automatically generate your WordPress-tailored Content Security Policy. Vulnerability Measures When a vulnerability is detected in a plugin, theme or WordPress core you will get notified accordingly. With Vulnerability Measures, you can configure simple but effective measures to make sure that a critical vulnerability won’t remain unattended. Force update: An update process will be tried multiple times until it can be assumed development of a theme or plugin is abandoned. You will be notified during these steps. Quarantine: When a plugin or theme can’t be updated to solve a vulnerability, Really Simple Security can quarantine the plugin. Advanced Site Hardening Choose a custom login URL Automated File Permissions check and fixer Rename and randomize your database prefix Change the debug.log file location to a non-public folder Disable application passwords Control admin creation Disable HTTP methods, reducing HTTP requests Login Protection Secure your website’s login process and user accounts with powerful security measures. Two-Step verification (Email login) 2FA (two factor authentication) with TOTP Passwordless login with passkey login Enforce strong passwords and frequent password change Limit Login Attempts With Limit Login Attempts you can configure a threshold to temporarily or permanently block IP addresses or (non-existing) usernames. You can also throw a CAPTCHA after a failed login (hCaptcha or Google reCaptcha) Access Control Restrict access to your site for specific regions. Add specific IP addresses or IP ranges to the Blocklist or Allowlist. Useful Links Documentation Security Definitions Translate Really Simple Security Issues & pull requests Feature requests Love Really Simple Security? If you want to support the continuing development of this plugin, please consider buying Really Simple Security Pro, which includes some excellent security features and premium support. About Really Simple Plugins Our mission is to make complex WordPress requirements really easy. Really Simple Security is developed by Really Simple Plugins. For generating SSL certificates, Really Simple Security uses the le acme2 PHP Let’s Encrypt client library, thanks to ‘fbett’ for providing it. Vulnerability Detection uses WP Vulnerability, an open-source initiative by Javier Casares. Want to join as a collaborator? We’re on GitHub as well!