Moneris WooCommerce POS — Oliver POS Integration Guide

Oliver POS doesn't have a partnership with Moneris. It supports Moneris the same way any WooCommerce store does — through Moneris's official WooCommerce plugin, opened inside Oliver's in-POS browser view at the counter. Moneris authorises and processes the card, WooCommerce records the order, and Oliver is the till. This guide is for Canadian merchants — particularly RBC and BMO small-business customers who already process through Moneris and want the WooCommerce counter on the same rails.

What Moneris (online) is, exactly

Moneris is Canada's largest payment processor — a joint venture between the Royal Bank of Canada (RBC) and the Bank of Montreal (BMO) formed in 2000. It processes roughly one in three Canadian card transactions, which is most retail card volume in the country. Moneris handles credit cards (Visa, Mastercard, Amex), Interac Debit (Canada's domestic debit network), and Interac Online (the online equivalent of Interac Debit, where the customer authorises a transfer in their bank's app).

Moneris Online's hosted checkout — branded Moneris Checkout — is what matters for WooCommerce. The customer is sent to a Moneris-hosted payment page, Moneris authorises the transaction, and funds settle to the merchant's existing Moneris deposit account on the merchant's normal Moneris payout schedule (usually next business day).

How Oliver POS opens Moneris at the counter

The Moneris WooCommerce POS flow inside Oliver follows the same hosted pattern as the rest of this series:

1. The cashier rings the sale on the Oliver register and taps Charge.
2. Oliver writes a pending WooCommerce order against the Moneris gateway.
3. Oliver opens Moneris Checkout in the in-POS browser view — a full-screen webview locked to that one sale.
4. The cashier rotates the tablet to the customer. The customer pays with Visa, Mastercard, Amex, or Interac Online, depending on what's enabled.
5. Moneris authorises and notifies WooCommerce. The order flips to processing.
6. Oliver picks up the confirmation, closes the browser view, and prints the receipt.

Funds settle from Moneris to the merchant's deposit account on the merchant's Moneris contract terms — typically next business day in Canada. Oliver never sits in the funds flow.

The Moneris WooCommerce plugin — what Oliver rides on

The plugin Oliver rides on is the Moneris Gateway for WooCommerce, with the most widely deployed build available at wordpress.org/plugins/woocommerce-gateway-moneris. It supports Moneris Checkout (the current hosted page product), the older Moneris Hosted Payment Page, and the Moneris Vault for tokenised re-billing. A paid Moneris extension is also available from WooCommerce.com and from third-party vendors that bundle Interac Online and additional Canadian features.

Configuration is the same regardless of channel: install the plugin, paste in the Store ID and API Token from the Moneris Merchant Resource Center, configure the Moneris Checkout ID if you are on the current product, and enable Moneris under WooCommerce → Settings → Payments. Oliver auto-detects any enabled gateway in WooCommerce and surfaces Moneris on the register as a tender option. POS for Moneris at the counter uses the same credentials as the online store.

Why Moneris is a good fit (or what to know)

For a Canadian merchant, Moneris is usually not a choice — it's already there because the merchant banks with RBC or BMO. That's actually a fine reason to use it. A few specifics:

• RBC and BMO ownership. Most Canadian small-business merchant accounts originated through the country's two largest banks land on Moneris by default. Keeping that relationship usually keeps the merchant in their existing acquiring contract, with rates negotiated through the bank.
• Interac Online. Interac is Canada's domestic debit scheme, and the Moneris Interac Online product lets customers authorise debit transactions in their RBC, TD, Scotiabank, BMO, or CIBC online banking. For higher-ticket Canadian counter sales, that's typically cheaper than a credit card and feels familiar to local shoppers.
• Pricing is contract-driven. Moneris does not publish a flat rate. Rates are blended or interchange-plus depending on the merchant's contract; long-standing Canadian retailers often hold rates under 2% for consumer credit and well under 1% for Interac Debit.
• Canadian-domiciled. Funds settle in CAD to a Canadian bank account, and reporting and statements are in Canadian formats — which avoids the cross-border foreign-exchange overhead that comes with US-domiciled processors operating in Canada.
• Moneris terminals are separate. Moneris also sells physical card terminals (the Moneris Core, Go, and PAX-based devices). Oliver POS for Moneris uses the hosted-checkout-in-the-browser path described here, not the terminal SDK. Moneris terminals on the counter would be a separate hardware contract.

What this is NOT

Oliver POS is not a Moneris partner. There is no co-marketing agreement, no revenue share, and no special Moneris rates for Oliver merchants. Oliver does not charge a markup on Moneris transactions; the merchant pays Moneris (and the bank that originated the merchant account) directly on whatever rates are in the existing contract. Moneris is the acquirer and the merchant of record for the transaction, funds settle to the merchant's deposit account on Moneris's schedule, and the Moneris Merchant Resource Center, refund tools, disputes, and reporting are all unchanged. Oliver is the POS software on top.

Setup in 4 steps

1. Install a Moneris WooCommerce plugin — for example woocommerce-gateway-moneris — on your WooCommerce store.
2. Enter your Store ID and API Token from the Moneris Merchant Resource Center, configure the Moneris Checkout ID, and enable Moneris (and Interac Online if applicable) under WooCommerce → Settings → Payments.
3. Install Oliver POS, sign in on the counter tablet, and pick the Moneris gateway from the tender list — Oliver auto-detects it from WooCommerce.
4. Run a small live test sale at the counter and confirm the order appears in WooCommerce, in the Moneris Merchant Resource Center, and on the printed receipt.

FAQ

Does Oliver POS partner with Moneris?

No. Oliver POS is not a Moneris partner. Moneris is supported because there is an official-grade WooCommerce plugin for the Moneris gateway that any WooCommerce store can install, and Oliver opens that gateway in our in-POS browser view at the counter.

Does Oliver charge a markup on Moneris?

No. Your Moneris and bank merchant services rates are whatever your contract says. You pay Moneris directly. Oliver's pricing is a flat monthly POS software fee, independent of which gateway you choose.

Does Interac Online work at the counter?

Yes, when Interac Online is enabled in your Moneris account and in the plugin. It appears as a separate option on the Moneris Checkout page that Oliver opens; the customer chooses their bank, signs in to online banking on the same tablet, and authorises the transfer there.

Do I keep my RBC or BMO merchant account?

Yes. Oliver does not replace your Moneris processing contract or the bank that issued it. Your existing Moneris merchant services agreement stays in place, and the WooCommerce-driven Moneris register sale runs through that same gateway, opened by Oliver.

Try Oliver POS free for 30 days at /demo/ — bring your existing WooCommerce store and your existing Moneris account.