Choosing WooCommerce Payment Gateways in Taiwan: PAYUNi, LINE Pay and ECPay Plugins, Fees, Payout Times and Pitfalls (Jason Career's Case)

Jason Career is my WordPress website for selling e-books, online courses and consulting services, with a WooCommerce store. Between July 2022 and now, I have gone through one round of changes to my WooCommerce payment gateways: I started taking credit cards through ECPay (綠界), added LINE Pay in November 2024, and moved credit cards to PAYUNi (統一金流) in March 2025.

The short version: the three providers’ public fees are not far apart. PAYUNi charges 2.8% for domestic credit cards, ECPay charges standard sellers 2.75% (plus a NT$1 processing fee per transaction) and LINE Pay charges 3% (before tax), with payouts ranging from 2 business days to within 10 days. Jason Career currently offers PAYUNi’s credit card, Apple Pay and UnionPay options, plus LINE Pay, with bank transfer available only for service products. Beyond the fees, the problems with integration came from elsewhere: whether the plugin supports your checkout page, whether the payment completion notice can reach the site, and how to follow up on orders paid later, such as bank transfers. Below are the three providers’ official figures, Jason Career’s actual setup and the pitfalls I ran into.

This is a record of my own website’s setup, not a recommendation of any payment service or plugin. Fees, payout times and plugin versions are public information from official websites checked on 29 October 2026 and will change; the actual terms are those on each provider’s official website and in the contract you sign. E-invoices and taxes depend on your business situation; follow the rules of Taiwan’s Ministry of Finance or consult an accountant.

What payment methods you need to sell courses, e-books and services in Taiwan

Jason Career sells only digital products and services, so nothing needs to be shipped. The payment methods common in online stores fall roughly into four types. The first three are provided by payment companies, and bank transfer is built into WooCommerce (each provider’s fees are in the next section):

Bank transfer is a payment method built into WooCommerce. WooCommerce’s official documentation says that after choosing bank transfer, customers have to send the money from their bank themselves, the order stays “On hold”, and the merchant changes the order status manually after confirming the money has arrived (WooCommerce: Direct Bank Transfer). In other words, a bank transfer order doesn’t move forward until you deal with it.

PAYUNi, LINE Pay and ECPay compared: fees, payout times, application requirements

All figures below come from each provider’s official website, checked on 29 October 2026. These are public list prices, not Jason Career’s contract rates, and may differ when you sign a contract.

Public fees

Sources: PAYUNi fee overview, LINE Pay merchant application guide, ECPay service fee schedule.

A few things to note:

• ECPay’s rates are before tax. The fee schedule states that the per-transaction fees for online payments have 5% business tax added at final settlement. The NT$1 processing fee per credit card order was added from 1 April 2025; the percentage fees did not change.
• ECPay’s fee schedule lists foreign credit cards and installments as “contracted sellers only”. Contracted sellers pay 1.85% to 2.75% for domestic cards and 3.5% to 3.8% for foreign cards, negotiated based on a risk assessment, plus a system setup fee and an annual service fee.
• PAYUNi’s fee page doesn’t say whether its rates include tax. The LINE Pay cell in PAYUNi’s column is the processing fee for accepting LINE Pay through PAYUNi; Jason Career has a contract directly with LINE Pay, not through PAYUNi, so the LINE Pay column is what applies.

Payout times and collection limits

PAYUNi’s FAQ explains that after a consumer pays, the full amount goes into a trust account at CTBC Bank (中國信託), then is paid into the seller’s UNi account according to the payout schedule (PAYUNi fee overview). If automatic withdrawal isn’t set up at ECPay, the system automatically withdraws the part of the available balance above NT$100,000 to your bank account every month (ECPay service fee schedule).

Application requirements: course sellers should check LINE Pay closely

LINE Pay’s application guide has three points that apply directly to course sites:

• An online store needs a standalone website where products can actually be purchased; a page on a platform such as Shopee or Facebook doesn’t qualify.
• Individual accounts cannot apply for an online store; you need a company or sole proprietorship account.
• Selling deferred-delivery products such as tickets, courses or pre-orders requires documents proving a performance guarantee.

WordPress payment plugins: official or third-party

Payment companies don’t always provide a WooCommerce plugin themselves, and quite a few developers in Taiwan build integration plugins. The table below lists the options I found and the ones Jason Career has actually used (versions and prices checked on 29 October 2026):

When choosing a plugin, check two things first:

1. Whether it supports your checkout page. A WooCommerce checkout page can use the Cart and Checkout blocks or the classic [woocommerce_checkout] shortcode, and a plugin may not support both. For example, WPBrewer’s Pay with PAYUNi product page says it doesn’t support the Cart and Checkout blocks and you need to switch to classic checkout, while the same developer’s Pay with LINE Pay says it supports blocks.
2. Who maintains it and how often it is updated. On WordPress.org, Pay with PAYUNi was last updated on 27 February 2026, RY Tools on 24 October 2026 and ECPay’s official plugin on 16 October 2026. For paid plugins, check what the license includes. For example, PAYUNi Pro’s annual plan says it comes with “1 year of advanced support and plugin updates”, so note down the renewal date.

Jason Career’s actual setup and timeline

The following is the site’s state as queried read-only with WP-CLI on 29 October 2026. The site runs on Cloudways with Cloudflare in front; for the overall architecture, see How to Build a WordPress E-commerce and Course Site. For how Claude Code runs this site over SSH and WP-CLI, see Running WordPress Without Knowing SSH.

Switching from ECPay to PAYUNi

The timeline, reconstructed from order records:

In other words, the switch from ECPay to PAYUNi happened around March 2025, and LINE Pay went live half a year earlier.

My main reason for switching was the fees. The other consideration was recurring billing: when I compared them, PAYUNi offered recurring billing out of the box, while ECPay required separately activating a professional plan with an annual fee. Both providers adjust their plans and fees, so if you want recurring billing or subscription payments, check each provider’s current published terms before applying.

ECPay’s payment methods are now all turned off, but the RY Tools plugin is still active.

Which payment methods the checkout page offers now

Turned off: ECPay’s credit cards, installments, online ATM, ATM, convenience store codes and convenience store barcodes; PAYUNi’s ATM virtual accounts, convenience store codes, AFTEE, Google Pay, Samsung Pay and LINE Pay through PAYUNi. The Stripe plugin is installed but not turned on.

Bank transfer only for service products

Bank transfer has conditions set with Conditional Payments for WooCommerce: checkout pages for online courses and e-books don’t show bank transfer; only service products do. After a credit card, Apple Pay or LINE Pay payment is completed, the payment provider notifies the site automatically; a bank transfer order, as the WooCommerce documentation above says, waits until someone confirms the money has arrived.

Pitfalls I ran into with payment integration

The firewall can block payment notifications

WooCommerce’s developer documentation recommends using WC-API when a payment gateway needs to report a payment result back to the site: the payment company’s server calls the site’s callback URL, and the plugin then updates the order status (WooCommerce: Payment Gateway API).

On 24 October 2026, we added Cloudflare firewall rules in front of Jason Career and specifically excluded /wc-api/, ?wc-api= and /wp-json/ from human verification. These requests come from the payment company’s server, and no one is there to click the challenge, so when they are blocked the result is “the customer paid, but the order never changed to paid”. Cloudflare’s official documentation explains that a custom rule with the Skip action lets matching requests bypass specific security features (Cloudflare: Skip action).

One thing to know when testing the firewall: we sent empty requests to the callback URLs, and the payment logs on 24 and 26 October each showed a few “unable to process callback” entries. Those were test requests, not real order errors, but whoever reads the logs later may be alarmed, so it is best to write down when you tested.

On the same day, the server also crashed after a flood of crawlers used up its memory, taking the checkout page down with it; Cloudflare rules later brought the server load from around 13 down to around 0.5. The payment gateway itself was fine, but when the site is down you still can’t take payments.

Changed a setting but can’t see it: two cache layers

Cloudways has Varnish at the server level and WordPress has WP Rocket, and clearing WP Rocket doesn’t clear Varnish, so after changing a setting you have to clear both layers. Details and how to check are in WordPress Changes Not Showing: Cloudways Varnish and WP Rocket, Two Cache Layers.

GA4 missed bank transfer purchases

With bank transfer, the customer pays later, and by the time the money arrives they have long left the thank-you page, so GA4 misses the purchase. On 13 October 2026, Jason Career changed this so the server sends the purchase to GA4 when the order changes to paid.

Two options for the same card

The checkout page showed two PAYUNi credit card options at once, one from PAYUNi Pro and one from the free Pay with PAYUNi; each plugin added its own. Customers may not know which one to pick. If you also have two plugins for the same payment provider installed, check how many options the checkout page actually shows.

How I had Claude Code take a read-only inventory and find these problems is in Maintaining a WooCommerce Store with Claude Code.

E-invoices and logistics: I don’t use them, but stores selling physical goods need them

E-invoices

Jason Career has no e-invoice plugin installed: the e-invoice feature in the PAYUNi plugin is turned off, and RY Tools doesn’t have ECPay’s invoice module installed either.

What I do is issue them manually in batches: I regularly export WooCommerce orders from WordPress in a batch, then upload them all at once to Simpany’s e-invoice system to issue the invoices. At Jason Career’s order volume, that is enough, and there is no need to pay extra to connect to ECPay’s e-invoice API.

When order volume grows and preparing invoices by hand starts to take time, I’ll consider installing an e-invoice plugin to issue them automatically.

According to Taiwan’s Ministry of Finance, selling goods or services within Taiwan is subject to business tax, and when online sellers sell over the internet for profit, the tax authorities will levy it according to the law (Ministry of Finance: Q&A on business tax for online transactions, updated 5 February 2025). Whether you need to issue invoices, and how, depends on your business registration; please check this with an accountant. On the technical side, to have WooCommerce issue e-invoices automatically, you can use:

• ECPay’s official plugin (payments, logistics and e-invoices in one plugin); ECPay’s e-invoice service is charged separately, and its fee schedule lists 20,000 invoices free in the first year for new accounts (ECPay service fee schedule).
• The e-invoice feature in Pay with PAYUNi.
• The paid modules in the RY Invoice series, which support invoice services such as ECPay, ezPay and Amego.

Logistics

Jason Career sells only e-books, online courses and services, so shipping calculation and delivery are turned off, and RY Tools’ ECPay logistics isn’t turned on either. If you sell physical goods, you need to handle this separately:

• ECPay’s official plugin and RY Tools both have logistics features; for ECPay standard sellers, store-to-store shipping at room temperature costs NT$65 with 7-ELEVEN and FamilyMart and NT$55 with Hi-Life (ECPay service fee schedule).
• PAYUNi has a 7-ELEVEN logistics service with a B2C room-temperature shipping fee of NT$50 per parcel, and cash-on-pickup payments are paid out 7 days after the successful pickup date (PAYUNi fee overview); WPBrewer also has a separate paid PAYUNi logistics module.

WooCommerce payment gateway launch checklist

This checklist comes from the experience above. Go through it item by item when switching payment providers or adding a new payment method:

• Test it in a staging environment first: try one credit card payment, one mobile payment and one refund, and confirm the order status changes to paid automatically.
• Callback URLs aren’t blocked: your firewall and security plugins exclude payment callback paths such as /wc-api/, ?wc-api= and /wp-json/.
• The checkout page is compatible: the plugin supports the checkout you use (block checkout or the classic shortcode), and the checkout page has no duplicate payment options.
• Payment method conditions are correct: pay-later methods such as bank transfer show only on the products you intend.
• All caches are cleared: after changing settings, clear both WP Rocket and Varnish, and check the checkout page in a private window.
• Tracking records everything: GA4 purchase events include orders paid later.
• Fees are written down: contract rates, payout times, withdrawal fees and renewal dates for paid plugins.
• Invoices and taxes: whether and how to issue them has been confirmed with an accountant.
• Old payment methods are cleaned up: discontinued payment methods are all turned off, and the checkout page shows only the options you want.

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