Scottsdale ACH Gateway

Location: web/app/plugins/scottsdale-ach-gateway/ Version: 1.1.0 Author: Rhino Group Plugin Name: Scottsdale ACH Gateway

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Overview

The scottsdale-ach-gateway plugin provides two WooCommerce payment gateways:

1. Scottsdale ACH Gateway — Full ACH bank transfer payment using Plaid for bank account authentication and iTransact as the ACH processing backend.
2. Scottsdale Deposit Gateway — Credit card deposit gateway (5% of order total) used for bank wire transfer orders. Extends the AngellEYE PayPal PPCP credit card gateway.

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File Structure

scottsdale-ach-gateway/
├── init.php                      ← Plugin bootstrap
├── inc/
│   ├── class-plugin.php          ← Main orchestrator
│   ├── class-system.php          ← Gateway registration
│   ├── class-admin.php           ← Admin assets
│   ├── class-frontend.php        ← Nonce rendering, payment data saving
│   ├── class-api.php             ← REST API endpoint registration
│   ├── class-gateway.php         ← ACH WooCommerce payment gateway
│   ├── class-gateway-deposit.php ← CC deposit payment gateway
│   ├── class-plaid-api.php       ← Plaid API client
│   ├── class-itransact-api.php   ← iTransact ACH processor client
│   ├── class-utils.php           ← Utility helpers
│   └── class-simplexml-extended.php ← XML parsing utility
└── dist/
    ├── css/                      ← Compiled CSS
    ├── img/
    │   ├── money-check-dollar-light.svg  ← ACH gateway icon
    │   └── credit-card-regular.svg       ← Deposit gateway icon
    └── js/
        └── cc-deposit-checkout.js        ← Deposit gateway frontend

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ACH Payment Gateway (WC_Scottsdale_ACH_Gateway)

Gateway ID: scottsdale-ach-gateway Extends: WC_Payment_Gateway Title: "ACH Gateway - Scottsdale"

How ACH Checkout Works

1. Customer reaches checkout, selects "ACH Bank Transfer"
2. Gateway calls Plaid API → gets a Plaid Link token
3. Frontend launches Plaid Link (embedded bank auth UI)
4. Customer selects their bank, authenticates via Plaid
5. Plaid returns a public_token to the browser
6. Frontend calls POST /wp-json/plaid/get-access-token (REST API)
7. REST API exchanges public_token → access_token (stored in user meta)
8. Customer selects their bank account from the list Plaid returns
9. Customer submits checkout
10. WC_Scottsdale_ACH_Gateway::process_payment() calls iTransact API
11. iTransact submits ACH debit, returns transaction ID
12. Order status set to wc-pending-ach
13. Kount Pre-Auth runs; ENS callback updates order if approved
14. suma-woo-emails sends "Pending ACH" email to customer

Admin Configuration

WooCommerce → Settings → Payments → Scottsdale ACH Gateway

Setting	Description
Title	Gateway title shown at checkout
Description	Description shown at checkout
Mode	Sandbox or Live (iTransact API mode)
Debug	Enable debug logging

Key Methods

Method	Description
payment_fields()	Renders the Plaid Link button and existing account dropdown at checkout
enqueue_scripts()	Loads Plaid SDK and gateway JS on checkout page
process_payment( $order_id )	Processes the ACH payment via iTransact, returns redirect
get_admin_form_fields()	Returns the admin settings field definitions

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Deposit Gateway (WC_Scottsdale_Deposit_Gateway)

Gateway ID: scottsdale-deposit-gateway Extends: WC_Gateway_CC_AngellEYE (PayPal PPCP credit card) Title: "Deposit Gateway - Scottsdale"

Purpose

When a customer pays via bank wire transfer, Scottsdale Mint requires a 5% deposit to secure the order. This deposit is collected via credit card through the deposit gateway.

How the Deposit Flow Works

1. Customer selects "Bank Wire Transfer" at checkout
2. Deposit Gateway is presented instead of full CC payment
3. Customer enters credit card details (5% of order total is charged)
4. Kount Pre-Auth runs on the deposit transaction
5. Kount ENS callback: approved → order moves to wc-partially-paid
6. Customer receives confirmation email with bank wire instructions
7. Customer sends bank wire for remaining 95%
8. Admin confirms bank wire received → order moves to processing

Configuration

Only loaded when the WC_Gateway_CC_AngellEYE PayPal PPCP extension is available. The System class checks for this dependency before registering the gateway.

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Plaid API Client (\Scottsdale\ACH_Gateway\PlaidApi)

Wraps Plaid's API for bank account authentication.

Key Methods

Method	Description
get_link_token()	Creates a Plaid Link token for the checkout UI
get_access_token( $public_token )	Exchanges a Plaid public_token for a persistent access_token
get_accounts( $access_token )	Returns list of bank accounts for the authenticated user

Data Storage

Plaid tokens are stored in user meta (logged-in users) or WooCommerce session (guests):

Meta Key	Description
plaid_access_token	Persistent Plaid access token for the user's bank
plaid_selected_institution	Name of the bank institution
plaid_selected_account	Selected account details (last 4 digits, type)

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iTransact API Client (\Scottsdale\ACH_Gateway\ITransactApi)

Handles ACH payment submission to the iTransact payment processor.

Mode: Configurable (sandbox / live) via gateway admin settings.

The iTransact gateway is specialized for precious metals dealers and provides:

• ACH debit processing
• Precious metals industry risk management
• Industry-specific fraud screening in addition to Kount

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REST API Endpoints

Registered via \Scottsdale\ACH_Gateway\API using rest_api_init.

POST /wp-json/plaid/get-access-token

Exchanges a Plaid public_token (generated client-side by Plaid Link) for a server-side access_token.

Authentication: WP nonce (rendered in page footer by Frontend::render_api_nonce())

Request body:

{
  "public_token": "public-sandbox-abc123...",
  "institution_name": "Wells Fargo",
  "account_id": "xyz789"
}

Response:

{
  "success": true,
  "accounts": [
    { "id": "xyz789", "name": "Checking •••• 4321", "type": "depository" }
  ]
}

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POST /wp-json/plaid/remove-account

Removes a saved Plaid bank account from user meta.

Authentication: WP nonce

Request body:

{
  "account_id": "xyz789"
}

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WordPress Hooks Registered

Hook	Class::Method	Priority	Description
plugins_loaded	System::init()	1001	Initialize the plugin after all plugins are loaded
woocommerce_payment_gateways	System::add_gateway()	1100	Register ACH and deposit gateways with WooCommerce
wp_footer	Frontend::render_api_nonce()	5	Output API nonce for REST calls
woocommerce_checkout_update_user_meta	Frontend::maybe_copy_payment_data_to_user_meta()	10	Persist Plaid selections to user meta
rest_api_init	API::register_routes()	—	Register Plaid REST routes
wp_enqueue_scripts	Gateway::enqueue_scripts()	99	Load Plaid SDK on checkout
admin_init	Admin::enqueue_assets()	—	Load admin CSS/JS

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Dependencies

Dependency	Type	Required
Plaid API credentials	External API	Yes (configured in WC gateway settings)
iTransact API credentials	External API	Yes (configured in WC gateway settings)
WC_Gateway_CC_AngellEYE	WooCommerce payment class	For deposit gateway only
Plaid Link SDK	CDN script	Loaded on checkout: https://cdn.plaid.com/link/v2/stable/link-initialize.js