Montonio offers several products that can be integrated with your WooCommerce store to offer your customers flexible payment options. Here's a step-by-step guide on how to activate all the Montonio products available through the Montonio WooCommerce plugin.
Montonio x WooCommerce plugin
To get started, make sure that your Montonio plugin is up to date. Download the latest Montonio for WooCommerce plugin here: Montonio for WooCommerce.
Check it out here: Installing and updating Montonio for WooCommerce
Add Montonio API keys to your store
After activating the plugin, you need to connect your Montonio API keys to your WooCommerce store. API keys which are easily accessible in our Partner System.
Read here: How to find API keys for integration
To do this, go to WooCommerce > Settings > Payments > Montonio Bank Payments > Enable or Manage.
Go to API settings on the left side, you can enter your API keys:
Live API keys are used for real transactions.
Sandbox API keys are used for testing purposes, no real transactions are processed when using these keys in test mode.
Don’t forget to turn off Enable Test Mode in the API Settings tab when you start accepting real payments. Be sure to save all changes by clicking the Save Changes button at the bottom.
Activate Montonio payment methods
On the settings page, you will see several payment methods that you can activate. You can activate additional payment methods by clicking on the Enable button next to the method you want to activate.
The available payment methods are:
Bank payments
Bank payments are supported for Estonia, Latvia, Lithuania, Poland and Finland.
After setting up your API keys, the next step is to enable bank payments. On the left side, click Bank Payments, then check the box to enable Montonio Bank Payments and configure the remaining settings based on your preferences. Learn more about the available settings below.
Default Eurozone Country
The Default Eurozone Country setting determines which country’s banks are shown by default when a customer reaches the checkout.
It is recommended to set this to the primary country your e-store operates in.
For example, if your store is based in Lithuania, select Lithuania as the default country; if your store is based in Estonia, select Estonia as the default country.
⚠️ Important: If the default country does not match your store’s primary country, transactions may fail.
For example, if your store is in Estonia but the default country is set to Lithuania, a customer choosing Swedbank may be redirected to the Estonian Swedbank login, causing payment issues.
Preselect Country by User Data
The Preselect country by user data setting determines which banks are displayed based on user preferences. You have two options:
Select based on user billing country (recommended) – the customer’s billing country will determine which country’s banks are preselected at checkout.
Select based on site language – banks are preselected according to the language of the site.
💡 Tip: Setting this to user billing country ensures a smoother checkout experience, as the correct banks will be preselected automatically.
Don't forget to save all changes by clicking the Save Changes button at the bottom.
Card payments
Before enabling card payments in your store, make sure that you have activated the card payments in our Partner system. Follow the instructions here: Activating card payments in Partner System.
Read more about our card payments here: Woocommerce x Montonio Card Payments
After you activate this feature in the Partner System, you can simply enable it for your store by checking the Enable Montonio Card Payments box.
Card fields in the checkout setting determines whether the card payment option is embedded in your store’s checkout or not.
If enabled, customers can complete the payment directly in your store’s checkout by entering their card details. In this case, they will not be able to pay with Apple Pay or Google Pay.
If left unchecked, customers will be redirected to the payment gateway to finalize their transaction. In the gateway they can choose:
To pay by entering their card details or
If they have mobile wallets like Apple Pay or Google Pay enabled, they will have the option to use them.
Be sure to save all changes by clicking the Save Changes button at the bottom.
BLIK 🇵🇱
This payment method allows customers to pay for their orders using their mobile banking app.
Make sure you have activated BLIK, check it out here: How to activate BLIK?
❗BLIK is only available for stores that have PLN as a checkout currency.
BLIK as a Payment Option for International Merchants
BLIK is a widely used payment method among Polish merchants. While it is primarily designed for businesses operating in Poland, international merchants can also take advantage of it under certain conditions. To use BLIK outside of Poland, you need:
A Polish store/domain that displays prices in PLN.
A Polish or multi-currency bank account to process transactions in PLN. With these requirements met, merchants from other countries can accept BLIK payments when selling products in Poland.
To enable BLIK payments, you will need to follow these steps:
1. Using this guide: How to activate BLIK - setup your BLIK account.
2. In the plugin settings enable it for you store by checking the Enable Montonio BLIK box.
BLIK field in the checkout setting determines whether the BLIK payment option is embedded in your store’s checkout or not.
If enabled, customers can complete the payment directly in your store’s checkout.
If left unchecked, customers will be redirected to the payment gateway to finalize their transaction.
Be sure to save all changes by clicking the Save Changes button at the bottom.
Montonio Financing and Pay Later
Montonio's Financing and Pay Later solutions are available for Estonia, Latvia, and Lithuania merchants. The available options include:
Estonia: Financing and Pay Later
Latvia: Financing and Pay Later
Lithuania: Financing
Check it out here: Activate Montonio Financing solution for WooCommerce
Montonio Shipping solution
Enable Montonio Shipping using the guide: How to set up Shipping solution
Cash on Delivery
Learn more here: Cash on Delivery (COD) Payment Method in WooCommerce
Test payments
After activating and configuring your preferred payment methods, it's a good idea to test them to ensure they are working as expected.
You can do this by placing a test order in your WooCommerce store and selecting one of the Montonio payment methods at checkout. Follow the payment process, and make sure the payment is processed successfully.
Read more here: Test Montonio payment methods in your store
If you have additional questions and need our help, feel free to contact our support team via the chat in the bottom right corner.