Local Bank Transfer

A bank transfer is a way to send money from one bank account to another to pay for goods or services. This payment method is supported for the countries and currencies listed in the table below.

How it Works

Placing the order

  1. On the checkout page, the shopper selects Local Bank Transfer as the payment method.
  1. Once the shopper submits their order, they are given the account details of the receiving bank to which they will send their payment.

Completing the payment

  1. The shopper goes to their personal bank or logs into their online banking portal.

  2. The shopper specifies that they would like to send funds to another bank account, and provides the bank account details obtained when they submitted the order (as shown in the image above).

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Important

As shown in the image, the customer must tell their bank that the "Sender pays all fees."

Because the fees charged by their bank or any intermediate banks are NOT included in their order amount, if they do not ask about additional fees, their payment may be "short". For more details, refer to the Short payments section below.

  1. The shopper sends the funds and the bank transfer has been initiated.

  2. The payment is complete when the shopper's payment reaches the receiving account. At this point, the merchant is notified of the transaction.

❗️

Timing

The length of time it takes for the funds to be received depends on the following:

  • When the shopper initiates the transfer.
  • The location of the shopper's bank.
  • The type of transfer the shopper chooses (ACH, wire transfer, or other).
  • The time it takes the shopper's bank to process the transaction.

Short payments

If the amount received is less than the order total (either because of fees or because the shopper sent less funds), this is considered a shortage. If a shortage occurs, the following happens:

  • If the shortage amount is less than $5 or 10% of the order amount, the order is automatically approved and you can now access the invoice in BlueSnap.
  • If the shortage amount is more than $5 or 10% of the order amount, the order is automatically placed into the manual review flow where you can approve or decline the order (see below for details). If you decline the order, the funds are not automatically refunded. You must work with the shopper to process the refund.

Orders can be approved or declined via your BlueSnap Console in Pending Orders. If you're using the Payment API, you can send a Merchant Approve Transaction request to approve or decline an order as well.


Getting Started

Enabling Local Bank Transfer

To verify that Local Bank Transfer is enabled, follow the steps in Enabling Payment Methods.

If you are using our Hosted Payment Page, Local Bank Transfer is included on the checkout form for shoppers whose country and desired charge currency are supported for this payment method. Refer to the table below.

If you are using one of BlueSnap's APIs, refer to the API guide for Local Bank Transfer for complete implementation details.


Supported Local Bank Transfer Countries & Currencies

👍

Note

Money can be transferred using different methods depending on the country; for example, ACH in the United States, SEPA in certain European countries, Bank Transfer, and Wire.

Shopper's
Country
Code
Shopper's
Country
Supported
Currency
ALAlbaniaEUR
DZAlgeriaEUR
ASAmerican SamoaUSD
ADAndorraEUR
AIAnguillaUSD
AQAntarcticaNOK
AGAntigua and BarbudaUSD
AMArmeniaRUB
AWArubaUSD
AUAustraliaAUD
ATAustriaEUR
AZAzerbaijanRUB
BSBahamasUSD
BDBangladeshUSD
BBBarbadosUSD
BYBelarusRUB
BEBelgiumEUR
BZBelizeUSD
BJBeninEUR
BMBermudaUSD
BTBhutanUSD
BOBoliviaUSD
BABosnia and HerzegovinaEUR
BWBotswanaZAR
BVBouvet IslandNOK
BRBrazilBRL
BNBrunei DarussalamHKD
BGBulgariaBGN
BFBurkina FasoEUR
BIBurundiEUR
KHCambodiaHKD
CMCameroonEUR
CACanadaCAD
CVCape VerdeEUR
KYCayman IslandsUSD
CFCentral African RepublicEUR
TDChadEUR
CLChileUSD
CNChinaUSD
CXChristmas IslandsAUD
CCCocos (Keeling) IslandsAUD
KMComorosEUR
CGCongoEUR
CDCongo, the Democratic Republic of theEUR
CKCook IslandsNZD
CRCosta RicaUSD
CICote d’IvoireEUR
CYCyprusEUR
CZCzech RepublicCZK
DJDjiboutiEUR
DMDominicaUSD
DODominican RepublicUSD
TPEast Timor (Leste)HKD
EGEgyptEUR
SVEl SalvadorUSD
GQEquatorial guineaEUR
EREritreaUSD
EEEstoniaEUR
ETEthiopiaUSD
FKFalkland IslandsGBP
FJFijiAUD
FIFinlandEUR
FRFranceEUR
GFFrench GuianaEUR
PFFrench PolynesiaEUR
TFFrench Southern TerritoriesEUR
GAGabonEUR
GMGambiaUSD
GEGeorgiaRUB
DEGermanyEUR
GIGibraltarGBP
GRGreeceEUR
GDGrenadaUSD
GPGuadeloupeEUR
GUGuamUSD
GTGuatemalaUSD
GGGuernseyGBP
GNGuineaEUR
GWGuinea-BissauEUR
GYGuyanaUSD
HTHaitiUSD
HMHeard Island and McDonald IslandsAUD
HNHondurasUSD
HUHungaryHUF
IDIndonesiaUSD
IEIrelandEUR
IMIsle of ManGBP
ILIsraelUSD
ITItalyEUR
JMJamaicaUSD
JPJapanJPY
JEJerseyGBP
JOJordanUSD
KZKazakhstanRUB
KEKenyaUSD
KIKiribatiAUD
KRKorea, SouthUSD
KGKyrgyzstanRUB
LALaosHKD
LVLatviaEUR
LSLesothoZAR
LRLiberiaUSD
LILiechtensteinCHF
LTLithuaniaEUR
LULuxembourgEUR
MOMacaoHKD
MKMacedoniaEUR
MGMadagascarEUR
MWMalawiUSD
MYMalaysiaMYR
MVMaldivesUSD
MLMaliEUR
MTMaltaEUR
MHMarshall IslandsUSD
MQMartiniqueEUR
MRMauritaniaEUR
MUMauritiusEUR
YTMayotteEUR
FMMicronesiaUSD
MDMoldovaRUB
MCMonacoEUR
MNMongoliaHKD
MEMontenegroEUR
MSMontserratUSD
MAMoroccoEUR
MZMozambiqueZAR
NANamibiaZAR
NRNauruAUD
NPNepalUSD
NLNetherlandsEUR
ANNetherlands AntillesUSD
NCNew CaledoniaEUR
NZNew ZealandNZD
NINicaraguaUSD
NENigerEUR
NGNigeriaUSD
NUNiueNZD
NFNorfolk IslandAUD
MPNorthern Mariana IslandsUSD
NONorwayNOK
OMOmanUSD
PKPakistanUSD
PWPalauUSD
PAPanamaUSD
PGPapua New GuineaAUD
PYParaguayUSD
PEPeruUSD
PHPhilippinesUSD
PNPitcairnNZD
PLPolandPLN
PTPortugalEUR
PRPuerto RicoUSD
REReunionEUR
RORomaniaRON
RWRwandaEUR
SHSaint HelenaGBP
KNSaint Kitts and NevisUSD
LCSaint LuciaUSD
MFSaint Martin (French)EUR
PMSaint Pierre and MiquelonEUR
VCSaint Vincent and The GrenadinesUSD
WSSamoaAUD
SMSan MarinoEUR
STSao Tome and PrincipeEUR
SASaudi ArabiaUSD
SNSenegalEUR
RSSerbiaEUR
SCSeychellesUSD
SLSierra LeoneUSD
SGSingaporeSGD, USD
SXSint Maarten (Dutch)USD
SKSlovakiaEUR
SISloveniaEUR
SBSolomon IslandsAUD
SOSomaliaUSD
ZASouth AfricaUSD
ESSpainEUR
LKSri LankaUSD
SRSurinameUSD
SJSvalbard and Jan MayenNOK
SZSwazilandZAR
CHSwitzerlandCHF
TJTajikistanRUB
TZTanzaniaUSD
THThailandUSD
TGTogoEUR
TKTokelauNZD
TOTongaAUD
TTTrinidad and TobagoUSD
TNTunisiaEUR
TMTurkmenistanRUB
TCTurks and Caicos IslandsUSD
TVTuvaluAUD
UGUgandaUSD
UAUkraineRUB
AEUnited Arab EmiratesAED
GBUnited KingdomGBP
USUnited StatesUSD
UMUnited States Minor Outlying IslandsUSD
UYUruguayUSD
UZUzbekistanRUB
VUVanuatuAUD
VAVatican StateEUR
VEVenezuelaUSD
VNVietnamHKD
VGVirgin Islands, BritishUSD
VIVirgin Islands, U.S.USD
WFWallis and FutanaEUR
EHWestern SaharaEUR
ZMZambiaZAR
ZWZimbabweZAR

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Updated 2 days ago

Local Bank Transfer


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