Interac e-Transfer / Email Money Transfer (EMT) Gateway for WooCommerce

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 payments@yourdomain.com.
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)

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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: etransfer@yourdomain.com)
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: you@domain.com).
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: notify@payments.interac.ca
Examples:
notify@payments.interac.ca, 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.