XFactorApp Credit Online SMART by BT Direct

This plugin integrates Banca Transilvania – BT Direct (Credit SMART) as a financing option at WooCommerce checkout. Shoppers select Credit SMART, complete the credit application with BT Direct, and—on decision—your order updates automatically.

BT DIRECT IFN SA, a non-banking financial institution from Romania and part of the Banca Transilvania financial group, offers flexible financing solutions for individuals and specializes in credit products that ensure fast access to loans designed to meet customers’ specific needs.

BT DIRECT IFN SA also focuses on innovation and digitalization, offering customers a fully online lending platform — Credit online SMART by BT Direct. This platform enables users to access financing quickly and easily, without the need to visit a bank. With a customer-centric approach, BT Direct IFN SA aims to become a leader in financing solutions.

Benefits of Smart by BT Direct: 100% digital, 100% smart

• Simple usage flow: intuitive process, online identification, electronic signature;
• No analysis fee;
• Approval in 10 minutes;
• The product purchase process takes place entirely online.

What you get
– Credit SMART payment method at checkout (WooCommerce Payments section).
– Automatic callback/return handling and order status updates.
– Configurable minimum order totals for eligibility.
– Built-in logging for easier troubleshooting.

Who it’s for
– WooCommerce stores selling to Romania (RON).
– Merchants who want to offer installment financing via BT Direct.

Note: You must have a BT Direct merchant account. The plugin does not create one for you.

Features

• Credit SMART gateway visible alongside other WooCommerce payment methods.
• Redirect to BT Direct application flow, then back to your store.
• Updates order status to “processing/completed/failed/cancelled” based on BT callbacks.
• Enable debug logs, and set eligibility thresholds.

Requirements

• WordPress 6.2+ (tested up to 6.8)
• WooCommerce 7.9+ (tested up to 9.x)
• PHP 7.2+
• HTTPS enabled (SSL)
• Store currency RON (recommended)
• BT Direct merchant credentials

Configuration

1. Check Enable/Disable
2. Enter your BT Direct credentials
3. BaseUrl will be transmitted by BT Direct, default is: https://api-onlinecredit.btdirect.ro/api
4. SubmitUrl will be transmitted by BT Direct, default is: https://onlinecredit.btdirect.ro/wf/shoppingcart?wfId=25
5. ReturnUrl must be completed if ReturnUrl Type is Static Url. Default is: http://DOMAIN/index.php?fc=module&module=krunity&controller=finish
6. Hostname will be transmitted by BT Direct
7. Set Minimum Order Amount
8. Choose shipping methods that can apply or leave it blank in “Enable for shipping methods” field
9. (Optional) Enable Debug for testing.
10. Click on “Test Connection” to check if you receive any response from BT Direct
11. Save changes.

Usage / Order Flow

1. Customer chooses Credit SMART (BT Direct) at checkout and places the order.
2. They are redirected to BT Direct to complete the application.
3. BT Direct redirects back and/or pings your callback URL with the decision.
4. The plugin updates the WooCommerce order status accordingly.
5. You fulfill the order as usual after approval/processing.

Webhooks / Callback

• Use the Callback URL displayed in the plugin settings.
• Make sure your hosting/firewall allows BT Direct to reach that endpoint.
• If order statuses don’t update, verify the callback is configured correctly on the BT Direct side and that logs show a successful hit.
• Also, you can use the “Test Connection” to verify if there is any response from BTD (BT Direct)

Privacy

This plugin sends order/customer data necessary for financing to BT Direct (Banca Transilvania). Logs may include request/response metadata for debugging. Review your privacy policy and data processing agreements accordingly.

Troubleshooting

• Gateway not visible: Ensure WooCommerce is active, currency is RON, and the gateway is enabled. Also, ensure the Checkout Page is not a static page — in this case payment methods are not displayed dynamically.
• Order not updating: Confirm the callback URL is set in BT Direct and reachable. Check plugin logs under WooCommerce → Status → Logs or in order form.
• Amount not eligible: Adjust min order thresholds in settings.