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Bank Wire Transfer

The Bank Wire payment option is designed for large-value precious metals orders where customers prefer to send a direct wire transfer from their bank. To secure inventory while awaiting the wire, a 5% credit card deposit is collected at the time of order.

Plugin​

  • Plugin: scottsdale-deposit-gateway (custom)
  • Gateway ID: scottsdale_deposit_gateway

Payment Flow​

Step 1 — Checkout​

The customer selects Bank Wire Transfer as their payment method. At checkout they must also provide a credit card — this card will be charged the 5% deposit.

Step 2 — Deposit Charge​

Upon order submission:

  1. The 5% deposit is immediately charged to the customer's credit card via CyberSource or PayPal PPCP
  2. The remaining balance is noted as "due via wire transfer"
  3. Wire transfer instructions are emailed to the customer

Step 3 — Order Status​

The order is set to:

wc-partially-paid  (Partially Paid)

The customer receives an email with:

  • The total amount owed
  • Minus the 5% deposit already paid
  • Scottsdale Mint's bank wire instructions (bank name, routing, account number, reference #)

Step 4 — Wire Receipt​

When Scottsdale Mint's accounting team confirms the wire has arrived:

  1. The order is manually advanced to wc-processing (or wc-completed)
  2. The 5% deposit is "applied" to the total (no additional charge)
  3. Fulfillment begins

Deposit Calculation​

Order Total5% DepositWire Balance Due
$1,000$50$950
$5,000$250$4,750
$10,000$500$9,500

The deposit is non-refundable if the customer fails to send the wire within the required window (typically 3 business days).

Wire Instructions​

Scottsdale Mint's wire instructions are stored in the payment gateway settings:

  • Bank name
  • Bank address
  • Routing number (ABA)
  • Account number
  • Account name
  • Reference field instructions (customer must include order number)

These are sent to the customer automatically via the \Suma\Emails\WireInstructions email class.

Custom Order Status​

The wc-partially-paid order status is registered by the suma-woo-order-tracking plugin:

// In suma-woo-order-tracking/includes/class-order-statuses.php
register_post_status( 'wc-partially-paid', [
    'label' => 'Partially Paid',
    'public' => true,
    ...
]);

Admin Workflow​

  1. Orders in wc-partially-paid status appear in the WooCommerce Orders admin list
  2. Admin has a custom column showing "Wire Balance Due"
  3. When the wire is confirmed, admin clicks "Mark Wire Received" (custom order action)
  4. Order advances to wc-processing automatically

Fraud Considerations​

The 5% deposit payment goes through Kount fraud screening. If the deposit is declined by Kount or the card processor:

  • The order is cancelled
  • The customer is redirected back to checkout with an error message
  • No inventory is held

Troubleshooting​

IssueAction
Deposit not chargedCheck CyberSource / PPCP gateway logs; verify gateway is enabled
Customer didn't receive wire instructionsCheck Mailgun delivery logs; verify email template is active
Order stuck in Partially PaidAdmin must manually advance once wire is confirmed
Deposit was refunded inadvertentlyCoordinate with payment gateway — cannot be reversed automatically