WooCommerce Integration Guide – aCuotaz

This guide explains how to install and configure aCuotaz as a payment method in your WooCommerce store. You do not need to write code: the whole process is done from the WordPress admin.

There is also a video walkthrough of the installation.

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1. Prerequisites

Before you start, make sure you have:

• WordPress admin access with permission to install plugins.
• WooCommerce installed and working (you can already receive orders with another payment method).
• HTTPS on your store (the URL starts with https://, not http://).
• Store currency in PEN. aCuotaz only finances purchases in Peruvian soles.
• aCuotaz credentials: client_id and secret_token provided by Apurata (test and production).

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2. Request credentials

aCuotaz needs two values unique to your store:

• ID de Cliente (client_id)
• Token Secreto (secret_token)

Contact the aCuotaz team and include:

• Store name
• Store URL (https://yourstore.com)
• Contact name and email

Keep the secret token private. Do not share it in public chats or commit it to a repository.

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3. Download the plugin

1. Open the latest official release: github.com/apurata/woocommerce-acuotaz-payment-gateway/releases/latest
2. Under Assets, download woocommerce-apurata-payment-gateway.zip.
3. Do not unzip the file. You will upload the .zip as-is in the next step.

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4. Install and activate the plugin

1. Go to yourstore.com/wp-admin.
2. In the left menu, open Plugins → Add New (Añadir nuevo).
3. Click Upload Plugin (Subir plugin).
4. Choose the .zip you downloaded and click Install Now (Instalar ahora).
5. When you see Plugin installed successfully, click Activate Plugin (Activar plugin).

If you previously installed an older copy of this plugin, deactivate and delete it before installing the new .zip, so WordPress does not keep two versions side by side.

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5. Configure the payment method

1. Go to WooCommerce → Settings (Ajustes).
2. Open the Payments tab (Pagos).
3. Find aCuotaz Apurata and click Manage (Gestionar), or click the method name.
4. Check Habilitar aCuotaz Apurata.
5. Paste your ID de Cliente and Token Secreto.
6. Leave Habilitar HTTP (no seguro) unchecked. It is only for internal tests without TLS, never for a live store.
7. Enable Tema oscuro (Activar en temas de fondo oscuro) only if your checkout background is dark.
8. Leave Sentry DSN empty unless the Apurata team asks you to fill it.
9. Click Save changes (Guardar cambios).

The admin method name is aCuotaz Apurata. At checkout, shoppers see Cuotas sin tarjeta de crédito - aCuotaz.

The plugin also adds aCuotaz information on the product page and before checkout automatically. You do not need extra widgets for a basic install.

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6. Testing

Use your test credentials for every step below. Follow the Testing Guide (test DNIs, cards, and tokens).

Do not complete a full financing flow with production credentials: that creates a real loan.

1. Enter the test client_id and secret_token in the aCuotaz settings (same screen as step 5).
2. Open the store as a shopper (incognito / not logged in as admin).
3. Add a product whose cart total is in PEN and within the financing limits Apurata gave you.
4. At checkout, confirm that Cuotas sin tarjeta de crédito - aCuotaz appears.
5. Complete a test purchase through the installment flow.
6. In WooCommerce → Orders, confirm the order moves with the flow:
7. On hold while the application is in progress (onhold)
8. Failed if financing is rejected or canceled
9. Processing when Apurata notifies funded — that is when it is safe to deliver

If aCuotaz does not appear at checkout, check HTTPS, currency PEN, that the plugin is enabled, and that the cart total is inside the min/max financing amounts for your store.

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7. Go live

1. Replace test credentials with your production client_id and secret_token in WooCommerce → Settings → Payments → aCuotaz Apurata.
2. Place one small real order to confirm checkout, redirect, and that the order reaches Processing after funding.
3. Tell your commercial / operations teams that aCuotaz is live so they can monitor the first orders.

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FAQ

Checkout or webhooks fail with 401 even though credentials look correct Update the plugin to v0.4.4 or later. Older versions misread Apurata-Auth on HTTP/2 (Cloudflare + LiteSpeed) and rejected valid webhooks.

Can I enable "Habilitar HTTP (no seguro)"? No, not on a real store. Keep it off. aCuotaz requires HTTPS in production.

I do not see aCuotaz in Payments Confirm the plugin is activated, WooCommerce is active, and there is no leftover older copy of the same plugin.

I see aCuotaz in Payments, but not at checkout Confirm HTTPS, currency PEN, Habilitar aCuotaz Apurata is checked, and the cart total is within your financing limits.

Where do I get the ID de Cliente and Token Secreto? Only Apurata issues them. Contact the aCuotaz team with your store details (see Request credentials).

Do I need to know how to code? No. Installation and configuration are done from the WordPress admin.

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Need help? Contact the aCuotaz team and say which step you are on. They will help you finish the setup.