Hoovi BNPL vs Zip US Gateway for WooCommerce

The Hoovi Payment plugin adds Hoovi’s hire-purchase (“järelmaks”) payment method to your WooCommerce store. Customers can choose Hoovi at checkout, sign their contract on the Hoovi platform, and have the order automatically updated in WooCommerce when the contract is settled. Features Adds a Hoovi payment method to the WooCommerce checkout. Collects company name and registry code from the Estonian Business Registry directly on the checkout. Redirects customers to Hoovi to sign the hire-purchase contract. Updates the order status automatically via a signed Hoovi callback. Provides a “Hoovi Orders” submenu under WooCommerce for filtering Hoovi-paid orders. Adds a custom “Invoiced” order status for accounting workflows. Requirements A Hoovi merchant account (contact https://www.hoovi.ee/kontakt). WooCommerce 7.0 or newer. WordPress 6.0 or newer, PHP 7.4 or newer. External Services This plugin connects to several third-party services to process payments and (optionally) to record errors. The data sent and the conditions under which it is sent are described below. Hoovi Payment API (always used when the gateway is enabled) When a customer pays with Hoovi, the plugin sends the following data to the Hoovi Payment API (default host: https://api.hoovi.ee/, configurable in the gateway settings) so that a hire-purchase contract can be created: Customer first name, last name and email address. Order amount, currency, reference number and a short item description. Company name and Estonian registry code, if entered at checkout. When Hoovi notifies your store that a contract has been settled, cancelled or expired, the plugin receives a signed callback from Hoovi at /wp-json/hoovi/v1/change-status. Hoovi’s privacy policy & terms of service: https://www.hoovi.ee/privaatsuspoliitika Estonian Business Registry — `ariregister.rik.ee` (used on the checkout page when Hoovi is selected) The customer’s company-name lookup field on the checkout queries the Estonian Business Registry’s public autocomplete endpoint (https://ariregister.rik.ee/est/api/autocomplete). The customer’s keystrokes for the company name are sent to that endpoint to fetch matching company suggestions. Estonian Business Registry: https://ariregister.rik.ee/ Sentry error reporting (OPT-IN, off by default) Disabled out of the box. If a site administrator enables Send error reports to Hoovi (Sentry) in the gateway settings, the plugin sends details of unhandled exceptions raised inside this plugin to Sentry (https://*.ingest.us.sentry.io/). The data sent is limited to: Exception class, message and stack trace (file, line, function). The site’s host name (from home_url()). The WordPress environment type (production, staging, development, local). Sentry’s privacy policy: https://sentry.io/privacy/ Sentry’s terms of service: https://sentry.io/terms/ Privacy The plugin registers a privacy policy snippet in WooCommerce’s privacy policy guide (Settings > Privacy > Policy guide), describing the personal and transactional data sent to Hoovi for hire-purchase processing. Site owners are responsible for surfacing this snippet in their public privacy policy.

Zip helps you acquire more customers, boost your average order value, and offer a first-class payment experience at checkout. Zip seamlessly integrates with your store’s online checkout via our WooCommerce. Upon installing the Zip extension, the widget will appear on your store’s product pages below the product price, displaying the amount divided into 4. For example, if the product price is $200 the widget will read “or 4 payments of $50.00 with Zip”. The widget also includes a radio that displays the installment breakdown and lending disclosures when clicked. The widget can also be placed on the cart preview page (or mini cart), where it will display the entire purchase price divided into 4. When customers select Zip as a payment option at checkout they are taken to a secure Zip page to confirm their purchase and then redirected back to your store upon confirmation of the installment plan. To utilize Zip’s WooCommerce plugin you will need a merchant account with Zip. Please complete the signup form on the Zip for Business site to begin the onboarding process. What’s New Removed Zip Canada support Added Installment Fee New (block-based) checkout support