Bank Transfer

Some shoppers may prefer to pay an invoice or high-value transaction by initiating a bank transfer at their convenience. You can enable that for both B2B and B2C transactions by adding Bank Transfer as a payment method to your integration.

Bank transfers are a low-cost, asynchronous way to pay. This is how it works:

1. On your checkout, the shopper selects the Bank Transfer payment option.
2. In the response to your payment request, you receive a unique virtual bank account number, together with other payment details that are required for a bank transfer in the shopper's country/region.
3. Your checkout shows the virtual bank account number and the other required details.
4. The shopper copies these details, and then in their (online or mobile) banking environment initiates a bank transfer specifying these details.
   The payment status remains Open until Adyen receives the funds on the virtual bank account.
5. When we receive the funds, we send a webhook to inform you.
6. You inform the shopper (for example, by email) that the payment is received, and you fulfill the order.

Note that if the shopper selects the Bank Transfer payment option on your checkout, you need to show clear instructions for how to complete the payment and when the order will be delivered.

Payment type	Payment flow	Countries	Currencies	Recurring	Refunds	Partial refunds	Multiple partial refunds	Separate captures	Partial captures	Multiple partial captures	Chargebacks
Bank transfer	Additional action	International	EUR, USD	See note

How do you want to integrate?

Bank Transfer is currently supported for API-only integrations. Reach out to your Adyen contact if you are interested in adding Bank Transfer to your Drop-in or Components integration.