Bank Transfer
The Bank Transfer gateway in CLIENTXCMS corresponds to the traditional bank transfer payment system that allows your customers to pay for their orders by directly transferring funds from their bank account to yours.
The objective is clear: offer a secure payment alternative for customers who prefer traditional transfers, particularly for large amounts. A well-configured transfer system allows your customers to pay with confidence while guaranteeing you receipt of funds.
The Bank Transfer gateway can be fully customized: display name, minimum amount, detailed instructions, bank details, etc.
You can configure the Bank Transfer gateway from:
Settings > Store Settings > Bank Transfer
Bank transfer is particularly appreciated by businesses and for large amounts, as it offers maximum traceability and avoids credit card fees.
Why offer bank transfer?
The Bank Transfer gateway is a traditional but essential payment method for your store. It concretely represents a direct and secure payment method, without a payment intermediary.
Offering bank transfer allows you to:
- Attract customers who prefer traditional bank payments
- Avoid transaction fees from online gateways
- Secure payments for large amounts
- Meet the needs of businesses and administrations
- Offer an alternative in case of problems with other gateways
Bank transfer is like a digital check 🏛️ — it reassures by its simplicity and security, particularly for corporate clients or large purchases.
System Operation
Payment Process
Payment by bank transfer follows a manual multi-step process:
- Payment Method Selection: The customer chooses "Bank Transfer" during checkout
- Invoice Generation: An invoice with bank details is created
- Instructions Display: The customer receives all necessary information
- Transfer Execution: The customer makes the transfer from their bank
- Proof Sending: The customer sends their transfer proof (optional)
- Manual Validation: You confirm receipt of payment
- Service Activation: The order is processed and delivered
Transfer Characteristics
| Characteristic | Description |
|---|---|
| Processing Time | 1 to 3 business days depending on banks |
| Maximum Security | Direct transfer between bank accounts |
| Complete Traceability | Unique reference for each transaction |
| No Limit | Large amounts accepted |
Gateway Configuration
Essential Parameters
Gateway Name | (text)
Use a clear name like "Bank Transfer" or "Wire Transfer" for immediate identification.
Minimum Amount | (amount)
Set an appropriate minimum amount. Many hosts configure a minimum of €50 or €100 to make this method cost-effective.
Status | (dropdown menu)
Keep the gateway on "Active" status if you wish to offer this option to all your customers.
Payment Instructions | (rich text)
Write clear and complete instructions that will appear on the invoice. Include:
- Your complete bank details (IBAN, BIC)
- The reference to mention (invoice number)
- Expected processing time
- Your contact details for questions
To optimize bank transfer use:
- Name: "Bank Transfer"
- Minimum Amount: €50 or more depending on your activity
- Status: Active
- Instructions: Complete and detailed
Payment Instructions Example
Bank Details:
IBAN: FR76 1234 5678 9012 3456 7890 123
BIC: ABCDFRPP
Account Holder: Your Company
Instructions:
1. Make the transfer for the exact invoice amount
2. Imperatively mention the reference: [INVOICE_NUMBER]
3. Processing takes 1-3 business days
4. Your service will be activated upon payment receipt
Questions? Contact us at [email protected]
Customer Interface
Display on Invoice
When a customer chooses bank transfer, all necessary information is clearly displayed on their invoice:
This clear presentation guides the customer through their payment process.
Displayed Information
The invoice automatically contains:
- Complete bank details
- Exact amount to transfer
- Unique reference to mention
- Detailed instructions
- Processing times
Administrative Management
Payment Tracking
As an administrator, you must:
- Regularly monitor your bank accounts
- Match received transfers with pending invoices
- Manually validate each payment in the system
- Activate corresponding services
Validation Process
To validate a transfer payment:
- Identify the transfer received in your account
- Find the corresponding invoice using the reference
- Mark the invoice as "Paid" in administration
- The system automatically activates services
Implement a daily routine for checking received transfers to minimize service activation delays.
Advantages and Disadvantages
Advantages
| Advantage | Description |
|---|---|
| No Transaction Fees | Savings on commissions |
| Maximum Security | Direct transfer between banks |
| Large Amounts | No payment limit |
| Traceability | Official bank proof |
Disadvantages
| Disadvantage | Description |
|---|---|
| Processing Time | 1 to 3 business days |
| Manual Management | Requires administrative monitoring |
| No Automation | Manual validation required |
| Abandonment Risk | Longer process than instant payments |
Best Practices
Optimal Configuration
- Complete Instructions: Leave no ambiguity
- Up-to-date Details: Regularly check your bank information
- Unique Reference: Use the invoice number as reference
- Clear Deadlines: Inform about processing times
Daily Management
- Regular verification of received transfers
- Quick processing of payment validations
- Proactive communication with customers in case of delay
- Archiving of received transfer proofs
Customer Communication
- Confirmation email upon transfer receipt
- Notifications of service activation
- Responsive support for any questions about the process
- Dedicated FAQ for transfer payments
Make sure your bank details are always accurate in the configuration. An error can cause significant delays or lost transfers.
Bank transfer is an essential complementary payment method, particularly for large amounts and professional clientele. Its manual management is offset by the absence of fees and maximum security.