If you run a webshop in Serbia and are looking for a way to integrate card payments directly on your website, you've probably encountered the same problem as we did - Raiffeisen Bank offers the RaiAccept payment gateway, but official integration only exists for WooCommerce, Shopify, OpenCart, Magento 2, and PrestaShop. What if you're using something else?
What is Phoca Cart?
Phoca Cart is one of the longest-running and most reliable e-commerce plugins for Joomla CMS. Developed by Czech developer Jan Pavelka for over a decade, it features a solid architecture, a rich set of features, and an active community of users across Europe. Unlike the WordPress / WooCommerce ecosystem that dominates the number of users, Joomla and Phoca Cart offer greater flexibility and better control over data - making it an excellent choice for serious business projects.
What is RaiAccept?
RaiAccept is a modern eCommerce solution and payment gateway from Raiffeisen Bank, designed for online stores to securely accept payment cards and digital wallets.
Key platform functionalities
- Supported cards: Allows simultaneous acceptance of Visa, Mastercard and DinaCard brands.
- Digital wallets: Integrated acceptance for Apple Pay and Google Pay payment systems.
- Technology: Real-time transaction processing with compliance with PCI-DSS and PSD2 security standards.
- Merchant Portal: Advanced administrative panel for transaction tracking, analytics, and refund management.
Why did we develop the plugin?
One of our clients was using Phoca Cart and wanted to integrate card payments through Raiffeisen Bank of Serbia. RaiAccept exists as a platform, documentation is available, but there is no official Phoca Cart plugin.
We decided to make it from scratch.
The development was not trivial. RaiAccept uses Amazon Cognito for authentication which requires specific HTTP headers, the webhook system has its own peculiarities, and Phoca Cart 6 has moved to Joomla 6 architecture with a PSR-14 event system which sometimes behaves surprisingly. With the help of Jan Pavelka, the author of Phoca Cart, who patiently answered our questions, we managed to solve all the technical challenges.
What does the plugin offer?
- Card payment via RaiAccept hosted payment page
- Automatic processing of webhook notifications
- One-click checkout for registered users (card tokenization)
- Refund button directly in the order list in Joomla admin
- Support for partial and full refunds
- Configurable order statuses
- English and Serbian language
- Sandbox mode for testing without real money
Available for free
The plugin is released as an open-source project on GitHub under the GNU GPL license. You can download, use, and customize it to your needs.
The plugin also comes with complete documentation — instructions for creating a RaiAccept sandbox account, a list of test cards, a description of the architecture, and notes for developers who want to understand how the plugin works under the hood.
