Local Bank Transfer

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

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Note

Local Bank Transfer (LBT) will be deprecated on September 30, 2024.

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.
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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.

  • Your bank may charge you an additional fee to transfer funds for your purchase from your bank account to the recipient bank. It is important for you to ask your bank about these fees as they are NOT included in the charges for your purchase and are your responsibility.

  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.

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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 Merchant Portal 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

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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
Bank Country
ALAlbaniaEURGermany
DZAlgeriaEURFrance
ASAmerican SamoaUSDNetherlands
ADAndorraEURNetherlands
AIAnguillaUSDNetherlands
AQAntarcticaNOKNorway
AGAntigua and BarbudaUSDNetherlands
AWArubaUSDNetherlands
ATAustriaEURAustria
BSBahamasUSDNetherlands
BDBangladeshUSDNetherlands
BBBarbadosUSDNetherlands
BZBelizeUSDNetherlands
BJBeninEURFrance
BMBermudaUSDNetherlands
BTBhutanUSDNetherlands
BOBoliviaUSDNetherlands
BABosnia and HerzegovinaEURGermany
BWBotswanaZARNetherlands
BVBouvet IslandNOKNorway
BFBurkina FasoEURFrance
CMCameroonEURFrance
CACanadaCADCanada
CVCape VerdeEURNetherlands
KYCayman IslandsUSDNetherlands
CFCentral African RepublicEURFrance
TDChadEURFrance
CLChileUSDNetherlands
CNChinaUSDNetherlands
KMComorosEURFrance
CGCongoEURFrance
CDCongo, the Democratic Republic of theEURFrance
CKCook IslandsNZDNew Zealand
CRCosta RicaUSDNew Zealand
CICote d’IvoireEURFrance
CYCyprusEURNetherlands
CZCzech RepublicCZKCzech Republic
DJDjiboutiEURFrance
DMDominicaUSDNetherlands
DODominican RepublicUSDNetherlands
EGEgyptEURFrance
SVEl SalvadorUSDNetherlands
GQEquatorial guineaEURFrance
EREritreaUSDNetherlands
EEEstoniaEURNetherlands
ETEthiopiaUSDNetherlands
FKFalkland IslandsGBPUnited Kingdom
FIFinlandEURFinland
FRFranceEURFrance
GFFrench GuianaEURFrance
PFFrench PolynesiaEURFrance
TFFrench Southern TerritoriesEURFrance
GAGabonEURFrance
GMGambiaUSDNetherlands
DEGermanyEURGermany
GIGibraltarGBPUnited Kingdom
GRGreeceEURNetherlands
GDGrenadaUSDNetherlands
GPGuadeloupeEURFrance
GUGuamUSDNetherlands
GTGuatemalaUSDNetherlands
GNGuineaEURFrance
GWGuinea-BissauEURFrance
GYGuyanaUSDNetherlands
HTHaitiUSDNetherlands
HNHondurasUSDNetherlands
IDIndonesiaUSDNetherlands
IEIrelandEURNetherlands
IMIsle of ManGBPUnited Kingdom
ILIsraelUSDNetherlands
ITItalyEURItaly
JMJamaicaUSDNetherlands
JEJerseyGBPUnited Kingdom
JOJordanUSDNetherlands
KEKenyaUSDNetherlands
KRKorea, SouthUSDNetherlands
LVLatviaEURNetherlands
LSLesothoZARNetherlands
LRLiberiaUSDNetherlands
LILiechtensteinCHFSwitzerland
LTLithuaniaEURNetherlands
LULuxembourgEURNetherlands
MKMacedoniaEURGermany
MGMadagascarEURFrance
MWMalawiUSDNetherlands
MVMaldivesUSDNetherlands
MLMaliEURFrance
MTMaltaEURItaly
MHMarshall IslandsUSDNetherlands
MQMartiniqueEURFrance
MRMauritaniaEURFrance
MUMauritiusEURGermany
YTMayotteEURFrance
FMMicronesiaUSDNetherlands
MCMonacoEURFrance
MEMontenegroEURGermany
MSMontserratUSDNetherlands
MAMoroccoEURFrance
MZMozambiqueZARNetherlands
NANamibiaZARNetherlands
NPNepalUSDNetherlands
NLNetherlandsEURNetherlands
NCNew CaledoniaEURFrance
NZNew ZealandNZDNew Zealand
NINicaraguaUSDNetherlands
NENigerEURFrance
NGNigeriaUSDNetherlands
NUNiueNZDNew Zealand
MPNorthern Mariana IslandsUSDNetherlands
NONorwayNOKNorway
OMOmanUSDNetherlands
PKPakistanUSDNetherlands
PWPalauUSDNetherlands
PAPanamaUSDNetherlands
PYParaguayUSDNetherlands
PEPeruUSDNetherlands
PHPhilippinesUSDNetherlands
PNPitcairnNZDNew Zealand
PLPolandPLNPoland
PTPortugalEURNetherlands
PRPuerto RicoUSDNetherlands
REReunionEURFrance
SHSaint HelenaGBPUnited Kingdom
KNSaint Kitts and NevisUSDNetherlands
LCSaint LuciaUSDNetherlands
PMSaint Pierre and MiquelonEURFrance
VCSaint Vincent and The GrenadinesUSDNetherlands
SMSan MarinoEURItaly
STSao Tome and PrincipeEURNetherlands
SASaudi ArabiaUSDNetherlands
SNSenegalEURFrance
RSSerbiaEURGermany
SCSeychellesUSDNetherlands
SLSierra LeoneUSDNetherlands
SXSint Maarten (Dutch)USDNetherlands
SKSlovakiaEURNetherlands
SISloveniaEURNetherlands
SOSomaliaUSDNetherlands
ZASouth AfricaZARNetherlands
ESSpainEURNetherlands
LKSri LankaUSDNetherlands
SRSurinameUSDNetherlands
SJSvalbard and Jan MayenNOKNorway
SZSwazilandZARNetherlands
TZTanzaniaUSDNetherlands
THThailandUSDNetherlands
TGTogoEURFrance
TKTokelauNZDNew Zealand
TTTrinidad and TobagoUSDNetherlands
TNTunisiaEURFrance
TCTurks and Caicos IslandsUSDNetherlands
UGUgandaUSDNetherlands
AEUnited Arab EmiratesAEDNetherlands
GBUnited KingdomGBPUnited Kingdom
UYUruguayUSDNetherlands
VAVatican StateEURItaly
VEVenezuelaUSDNetherlands
VGVirgin Islands, BritishUSDNetherlands
VIVirgin Islands, U.S.USDNetherlands
WFWallis and FutanaEURFrance
EHWestern SaharaEURFrance
ZMZambiaZARNetherlands
ZWZimbabweZARNetherlands

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