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Before you begin

You’ll need:
  • A WordPress site running version 6.0 or newer, with WooCommerce version 7.0 or newer installed and active
  • PHP 7.4 or newer (your hosting provider can confirm this)
  • An active Dime Payments merchant account
  • Your Merchant ID and API Token (see Step 1 below)
  • An SSL certificate (HTTPS) on your site — required for secure checkout and standard on any store accepting payments

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Step 1 — Get your credentials

You’ll need two values from your Dime Payments account:
  • Merchant ID — your unique account identifier
  • API Token — authorizes your store to communicate with Dime Payments
There are two token types: Find both in your Dime Payments merchant dashboard under API Keys. If you don’t see them, contact your account manager and they’ll get them to you.
Keep your API tokens private. Treat them like a password — never share them publicly or commit them to a version-controlled repository.

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Step 2 — Install the plugin

  1. Request the dime payments woo commerce .zip file from your dime payments representative.
  2. In your WordPress admin, go to Plugins → Add New → Upload Plugin
  3. Click Choose File, select the Dime Payments plugin .zip file provided to you, and click Install Now
  4. Once installation finishes, click Activate Plugin
If WooCommerce isn’t already installed, WordPress will prompt you to install it first. The Dime Payments gateway requires WooCommerce to be active.

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Step 3 — Configure the gateway

  1. Go to WooCommerce → Settings → Payments
  2. Find Dime Payments in the list and click Manage (or Set up)
  3. Fill in the following settings:
  1. Click Save changes
If your Merchant ID or API Token is missing or incorrect, or if your site isn’t on HTTPS, you’ll see a warning in the admin settings. Resolve those before going live.

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Step 4 — Test in sandbox mode

With Sandbox / Test mode enabled and your Sandbox API Token saved:
  1. Add a product to your cart and go to Checkout
  2. Select Dime Payments as the payment method — a secure card form will appear
  3. Enter test payment details:
  1. Place the order — you should land on the Order received page, and the order will appear in WooCommerce → Orders marked as paid via Dime Payments
No real money moves in Sandbox mode. Contact your Dime Payments account manager for additional sandbox test values, including ACH test details.

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Step 5 — Go live

When you’re satisfied with testing:
  1. Go to WooCommerce → Settings → Payments → Dime Payments → Manage
  2. Turn off Sandbox / Test mode
  3. Confirm your live API Token is entered
  4. Click Save changes
Your store is now accepting real payments through Dime Payments.

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How checkout works

When a customer selects Dime Payments at checkout:
  1. A secure payment form hosted by Dime Payments loads on your checkout page
  2. The customer enters their card or bank details and places the order
  3. Payment is processed, the order is marked paid, and the customer sees your normal order confirmation
Card and bank details are entered directly into the Dime Payments hosted form — they are never stored on or handled by your website, keeping your PCI scope minimal. Supported payment methods and features:
  • Credit and debit card payments (Visa, Mastercard, Amex, Discover)
  • ACH bank transfer payments
  • Both the WooCommerce Checkout block and classic checkout
  • Refunds directly from the WooCommerce order screen
  • WooCommerce High-Performance Order Storage (HPOS)

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Issuing refunds

  1. Open the order in WooCommerce → Orders
  2. Click Refund
  3. Enter the amount to refund and confirm
The refund is sent to Dime Payments and processed against the original transaction.

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Troubleshooting

Confirm the gateway is enabled, your Merchant ID and the correct API Token are saved, and your site is on HTTPS. Check for any admin notice on the WooCommerce settings page.
Your Merchant ID or API Token may be incorrect. Re-enter them carefully, and confirm with your Dime Payments account manager that your account is active.
Check that the Sandbox / Test mode toggle matches the token you’re using. Sandbox mode must be on when using your sandbox token; off when using your live token.
Contact Dime Payments support with your Merchant ID and a description of the issue, including any error message shown at checkout.