Bank transfers

Bank transfers let customers pay from a bank account instead of using a card or wallet. The customer initiates the transfer using the instructions provided during checkout. Cleverbridge completes the order after the incoming payment is received and matched.

Bank transfers are useful in markets and B2B purchasing flows where account-to-account payment is preferred. They are asynchronous: placing the order, sending the transfer, receiving the funds, matching the payment, and releasing delivery are separate events.

Do all bank transfers use the same flow?

They share an instruction-and-matching lifecycle, but the bank network and transfer path differ.

Method	Primary market or region	Transfer path	Important difference
ACH Credit	United States	The customer pushes funds through the ACH network.	ACH Credit is customer initiated; it is not an ACH Debit collection.
SEPA Wire Transfer	SEPA	The customer sends a euro SEPA credit transfer.	The payment uses the SEPA credit-transfer model.
SWIFT Wire Transfer	International bank routes	Banks exchange SWIFT messages and move the funds, potentially through intermediaries.	Bank checks, currency conversion, and intermediary institutions can affect the route.
Zengin Fund Transfer	Japan	A participating Japanese financial institution sends a domestic transfer through the Zengin System.	The Zengin System relays transfer data and clears positions between participating institutions.
Bank Transfer via KCP	South Korea	The customer is redirected to authorize an online bank payment through KCP.	Available only in Checkout 2.0 for KRW; subscriptions require manual payment for every renewal.

Shared payment lifecycle

1. Cleverbridge displays an eligible bank-transfer method at checkout.
2. The customer confirms the order and receives the payment instructions.
3. The customer sends the exact amount through their bank and includes the displayed payment reference.
4. The bank network processes the transfer.
5. Cleverbridge receives the funds and matches them to the order.
6. After payment confirmation, Cleverbridge completes the order and sends the applicable delivery details.

The method article is authoritative for the exact flow. A bank's confirmation that it accepted a transfer does not by itself mean that Cleverbridge has received or matched the funds.

Customer instructions

The articles in this section explain bank-transfer behavior from the client's perspective. Each payment method links to its nested, shareable customer payment guide.

Paid order notifications

The PaidOrderNotification format does not change based on the bank-transfer method used. Continue to use the standard notification fields and your configured notification processing.

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Explore this section

ACH Credit

Explore the guides and reference information available for ACH Credit.

SEPA Wire Transfer

Explore the guides and reference information available for SEPA Wire Transfer.

SWIFT Wire Transfer

Explore the guides and reference information available for SWIFT Wire Transfer.

Zengin Fund Transfer

Explore the guides and reference information available for Zengin Fund Transfer.

Bank Transfer via KCP

Explore the guides and reference information available for Bank Transfer via KCP.

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