About this plugin
Zirkel Virtual IBAN for WooCommerce lets your store accept bank transfers the modern way: powered by Stripe’s customer_balance funding flow, every order receives its own unique virtual bank account (SEPA IBAN, UK Bacs, US ACH, Mexican SPEI or Japanese Zengin). When the customer sends the transfer, a Stripe webhook marks the order paid automatically — no manual bank-statement matching.
Built DACH-first: SEPA / EUR is the default, with a German (Sie and Du) interface.
Free means free. This plugin processes real, live payments out of the box. There is no test-mode-only limitation and no paywall on taking money.
Features
- Per-order virtual bank account details shown on the thank-you page and in order emails.
- Automatic reconciliation via Stripe webhooks (paid, failed, cancelled, processing, partially funded).
- GiroCode (EPC-QR) on the thank-you page — customers scan it with their banking app to pre-fill the transfer.
- Full and partial refunds straight from the WooCommerce order screen.
- Works in both the block-based checkout and the classic checkout.
- A dedicated “Awaiting Bank Transfer” order status, or choose your own (On hold / Pending payment).
- Underpayment detection: partial transfers are flagged on the order.
- Optional reuse of Stripe API keys already configured by the official WooCommerce Stripe Gateway, Payment Plugins for Stripe WooCommerce, or Payment Gateway Stripe and WooCommerce Integration.
- German translations, informal (Du) and formal (Sie).
- HPOS (High-Performance Order Storage) compatible.
This plugin requires a Stripe account and the WooCommerce plugin. Stripe is a third-party payment service; by using this plugin payment data is transmitted to Stripe (see the Stripe Privacy Policy and Terms ).
External services
This plugin connects to the Stripe API to create a payment intent and a virtual bank account for an order, and to receive confirmation when the transfer arrives. Without that connection the plugin cannot do its job, so the service is required rather than optional.
Service: Stripe (Stripe, Inc. )
When data is sent: when a customer places an order and chooses this payment method, when an order is refunded, and when the shop owner opens the customer balance panel in the admin.
What is sent: the order number, order total and currency, the shop name, the billing country, and the customer’s name and email address. The name and email are used to create a Stripe customer, which the bank-transfer flow requires because the virtual account belongs to that customer record.
What is received: the virtual bank account details (IBAN/BIC or the equivalent for other rails) that are shown to the customer, and webhook notifications about the payment status.
No data is sent to Stripe until the customer actively selects this payment method. This plugin sends nothing to any other third party, and it does not load any script or font from a remote host.
Stripe Terms of Service · Stripe Privacy Policy · Stripe Data Processing Agreement