How to Set Up ANZ eGate (MIGS) for WooCommerce: A Complete Guide
Table of Contents
- Introduction & Plugin Overview
- What is ANZ eGate (MIGS) for WooCommerce?
- Key Benefits of Using This Plugin
- Pricing and License Information
- Technical Features & Compatibility
- ANZ eGate for WooCommerce Setup Guide
- Plugin Limitations to Consider
- When to Use This Plugin
- Conclusion
Introduction & Plugin Overview
If you run a WooCommerce store in Australia or New Zealand, accepting credit card payments securely is important. The ANZ eGate (MIGS) for WooCommerce plugin is designed to help you do exactly that. It allows you to take payments in AUD or NZD by connecting your store to the ANZ eGate payment gateway.
This plugin is best for merchants who already have an ANZ merchant account. It works smoothly with WooCommerce and helps process payments directly on your store. Even if you’re not extremely tech-savvy, you can easily install and administer the plugin.
What is ANZ eGate (MIGS) for WooCommerce?
ANZ eGate is a payment service from Australia and New Zealand Banking Group (ANZ). Through a secure channel, it enables you to take credit card payments. The WooCommerce plugin lets you link this service directly to your online store.
Once installed, customers can pay by card during checkout. Payments are processed safely through the ANZ eGate system. The plugin supports both merchant hosted and server hosted checkout types.
This means you can either:
- Keep customers on your site for payment (merchant hosted)
- Or redirect them to a secure ANZ page (server hosted)
Key Benefits of Using This Plugin
Here are some reasons why store owners choose this plugin:
- Accept credit card payments in AUD or NZD
- Choose between merchant or server hosted checkout
- Simple setup and easy configuration
- Fully compliant with SHA256 encryption
- No need to worry about outdated MD5 algorithms
- Works well for small or large online businesses
Pricing and License Information
The plugin is available for $79 per year. You can also choose a 2-year plan at a discounted rate. Regular updates and WooCommerce customer support are included in the license.
If you sell in Australia or New Zealand, this plugin is a good fit. It helps make your WooCommerce store more reliable, secure, and user-friendly.
Technical Features & Compatibility
The ANZ eGate WooCommerce plugin comes with powerful features for safe online payments. It supports flexible checkout options, follows high security standards, and is built for WooCommerce.
Let’s explore the technical side of this plugin in detail.
Flexible Checkout Options
The plugin gives you two ways to collect payments:
- Merchant Hosted Checkout
With this method, customers stay on your site to enter card details. An SSL certificate is required for secure transactions on your website. You have more control over the checkout process as a result.
You must also follow good security practices:
- Use 128-bit SSL encryption
- Have a firewall on your server
- Use intrusion detection tools
- Server Hosted Checkout
In this method, customers are sent to an ANZ-hosted payment page. They enter card details on ANZ’s secure server. After payment, they return to your store.
Businesses which wish to have less responsibility for PCI compliance will find this choice easier.
Security and Compliance
Security is a big concern for online payments. This plugin is fully SHA256 compliant. It does not use MD5, which is an outdated and less secure algorithm.
You do not need to update or configure anything for SHA256. It functions right out of the box. Simply install, turn on SSL, and begin taking payments.
Currency and Regional Support
The plugin works only with AUD (Australian Dollar) and NZD (New Zealand Dollar). If your WooCommerce store uses any other currency, this plugin won’t work.
It is best for stores based in:
- Australia
- New Zealand
- Or international sellers targeting customers in those regions
WooCommerce Compatibility
The plugin has been tested with WooCommerce version 5.6. Testing on a staging site is advised if you’re using a more recent version.
Also, note this plugin supports MIGS (Merchant Hosted Gateway) only. Since September 12, 2022, new ANZ accounts use the MPGS backend. This plugin does not yet support MPGS.
WooCommerce may add support for MPGS in the future. Until then, existing MIGS merchants can continue using this plugin without issues.
ANZ eGate for WooCommerce Setup Guide
Setting up the ANZ eGate WooCommerce plugin is a simple process. You don’t need any coding knowledge. Just follow the steps below to connect your store to the ANZ eGate payment gateway.
Step 1: Install the Plugin
To begin, download the plugin from the WooCommerce store. After purchasing, the.zip file is available for download.
To install:
- Access your WordPress dashboard.
- Navigate to Plugins > Add New
- Click Upload Plugin and select the .zip file
- Click Install Now
- Once installed, click Activate Plugin
You can also upload it manually to the /wp-content/plugins/ folder via FTP.
Step 2: Activate and Configure the Plugin
After activation, go to:
WooCommerce > Settings > Payments > ANZ eGate
You’ll see the ANZ eGate gateway listed. Click on it to open the settings.
Step 3: Add API Credentials
You’ll need two things from your ANZ merchant account:
- Merchant ID
- Access Code
These are given to you by ANZ after you open your account. Enter them in the plugin settings.
Once entered, the payment gateway becomes active on your checkout page.
Step 4: Choose Your Checkout Method
You now need to choose between two checkout options:
Merchant Hosted Checkout
- Customers stay on your website to enter card details
- You need a valid SSL certificate
- Your server should have strong security (firewall, anti-malware)
Server-Hosted Checkout
- Customers are redirected to a secure ANZ-hosted payment page
- ANZ handles the card entry and security
- After payment, the customer is sent back to your site
Select the approach that works best for your company.
Step 5: Set Currency and SSL
The plugin only works with:
- Australian Dollar (AUD)
- New Zealand Dollar (NZD)
Also, make sure SSL is enabled on your website. Without SSL, live payments will not work.
Step 6: Use Test Mode (Optional)
It is possible to test the setup prior to going live. In the plugin’s options, activate Test Mode. This helps you simulate transactions and confirm everything works.
Step 7: Save and Go Live
Once everything is configured:
- Disable test mode
- Double-check all fields
- Click Save Changes
Secure credit card payments using ANZ eGate can now be made at your store.
Plugin Limitations to Consider
The ANZ eGate WooCommerce plugin is useful, but it’s not perfect. Like any payment solution, it has some limitations. Knowing these can help you decide if it’s right for your store.
Before using this plugin, keep these points in mind:
- It only supports AUD and NZD currencies
- Not suitable for stores using USD or other global currencies
- It works with MIGS backend only, not MPGS
- New ANZ merchants (after Sept 12, 2022) use MPGS by default
- Currently tested only with WooCommerce 5.6
- May need testing on newer WooCommerce versions
If your ANZ merchant account uses the MPGS backend, this plugin won’t work. Although WooCommerce claims to be working on it, MPGS functionality is not yet accessible.
When to Use This Plugin
This plugin is a great option for:
- Businesses already using ANZ eGate MIGS
- Stores that sell in AUD or NZD
- Merchants who want full control over checkout experience
- Agencies building WooCommerce sites for clients in Australia or New Zealand
This plugin is a good option if you fit any of the aforementioned criteria.
Conclusion
ANZ eGate (MIGS) for WooCommerce is secure, fast, and easy to use. It’s ideal for regional stores that need a local gateway. It gives you a choice between merchant and server-hosted checkout, both secure and flexible.
Before using it, check your ANZ backend type (MIGS or MPGS). Additionally, confirm that your website employs AUD or NZD currency and has an SSL certificate.
If your store uses USD or another currency, this plugin may not be right. You can look for other gateways that support your region and currency type.
Still, for many businesses in Australia and New Zealand, this plugin gets the job done.
Need help setting up ANZ eGate on your WooCommerce store?
Contact the experts at WooHelpDesk for professional assistance.
📞 Call us today at 1 800-556-3577 and get your store running smoothly.
