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Offer SWIFT Wire Transfer payments

Overview​

SWIFT Wire Transfer supports bank payments that use financial messages exchanged between the customer's bank, any intermediary institutions, and the recipient bank. SWIFT carries the payment instructions; the participating financial institutions move the funds.

 

This page explains SWIFT Wire Transfer from the client's perspective. You can share the Pay by SWIFT Wire Transfer guide with customers who need help completing the transfer.

SWIFT Wire Transfer at a glance​

CapabilityCleverbridge support
Payment initiationThe customer initiates the transfer through their bank.
Bank pathThe transfer can involve intermediary banks and local processing.
ConfirmationCleverbridge completes the order after receiving and matching the payment.
DeliveryCleverbridge sends the product key and download link after payment confirmation.

SWIFT explains that local regulation, fraud and compliance checks, and the final beneficiary-bank stage can affect the end-to-end time. See What is Swift?.

Why offer SWIFT Wire Transfer?​

SWIFT Wire Transfer supports customers whose bank-payment route extends beyond a domestic ACH or SEPA transfer. It is especially relevant when a purchasing process requires the customer to initiate a bank transfer using the recipient details shown at checkout.

Order flow​

SWIFT Wire Transfer payment flow
  1. The customer selects Wire Transfer and confirms the order.
  2. Cleverbridge provides the bank information and payment instructions.
  3. The customer sends the transfer through their bank.
  4. The participating banks process the transfer.
  5. Cleverbridge receives and matches the payment to the order.
  6. After confirmation, Cleverbridge sends the delivery details.

Processing, fees, and matching​

SWIFT is the messaging layer; the participating banks move the funds. The customer's bank can show exchange-rate information or fees, and intermediary or beneficiary-bank processing can affect the amount and timing. Customers should follow the Cleverbridge instructions exactly and retain their transfer confirmation until the order is complete.


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