Bank Transfer Payment

Bank Transfer is a built-in payment method in Aikeedo that allows customers to pay via direct bank transfers. This payment option supports both domestic and international transfers with comprehensive bank details configuration.

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Overview

Bank Transfer payments provide an alternative to online payment gateways, allowing customers to transfer funds directly to your business bank account. This method is particularly useful for:

• High-value transactions
• B2B payments
• Customers who prefer traditional banking methods
• Regions with limited online payment gateway support

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Prerequisites

Before configuring bank transfer payments, ensure you have:

• A business bank account with domestic and/or international transfer capabilities
• Complete bank details including routing numbers, SWIFT codes, and addresses
• Beneficiary information for your business
• Bank-issued documents (if required by your bank)

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Configuration

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Accessing Bank Transfer Settings

1. Log in to your Aikeedo admin panel
2. Navigate to Settings > Payments > Bank Transfer
3. You’ll see three main configuration sections:
   • Details (General settings)
   • Domestic Transfer (Local bank transfers)
   • International Transfer (Cross-border transfers)

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General Settings (Details)

Configure the basic bank transfer settings:

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Domestic Transfer Configuration

Set up domestic bank transfer details for local payments:

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International Transfer Configuration

Configure international bank transfer details for cross-border payments:

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Payment Processing Flow

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For Customers

When customers choose bank transfer payment:

1. Payment Selection: Customer selects “Bank Transfer” from available payment methods during checkout
2. Order Placement: Customer clicks “Place order” to complete the purchase
3. Payment Instructions: Customer is redirected to order details page with comprehensive bank transfer instructions
4. Transfer Execution: Customer initiates transfer through their bank using provided details
5. Order Tracking: Customer can monitor order status in their billing overview
6. Order Fulfillment: Order is processed after payment verification by admin

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For Administrators

To process bank transfer payments:

1. Access Orders: Navigate to Billing > Orders in admin panel to view all orders
2. Filter Pending Orders: Select “Pending” status from the filter options to view all orders awaiting manual verification (including bank transfers and other manual payment methods)
3. Review Order Details: Click on individual orders to view customer and payment information
4. Verify Payments: Check your bank account for incoming transfers matching order details
5. Update Order Status: Use Approve or Reject buttons to update order status
6. Process Orders: Approved orders are processed immediately and cannot be reverted

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Order Management

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Admin Order Management

Bank transfer orders appear in the admin panel with “Pending” status until manually verified. Note that the pending orders list includes all manual payment methods, not just bank transfers:

1. Access Orders: Navigate to Billing > Orders in the admin panel to view all orders
2. Filter Pending Orders: Select “Pending” status from the filter options to view all orders awaiting manual verification (including bank transfers and other manual payment methods)
3. Review Order Details: Click on any order to view:
   • Customer information and workspace details
   • Order summary (plan, credits, total amount)
   • Payment gateway information (Yookassa transaction ID)
   • Order creation date and status

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Order Status Actions

For each pending bank transfer order, you can:

• Approve: Click the green “Approve” button to confirm payment and fulfill the order
• Reject: Click the gray “Reject” button to cancel the order if payment is not received

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Customer Order Tracking

Customers can track their bank transfer orders through their billing overview:

1. Access Billing: Navigate to billing overview from the main dashboard
2. View Orders: Check the “Latest orders” section for pending bank transfer orders
3. Order Details: Click on any order to view detailed bank transfer instructions
4. Status Updates: Order status updates automatically when admin approves payment

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Customer Checkout Experience

When customers select bank transfer as their payment method:

1. Payment Method Selection: During checkout, customers can choose “Bank Transfer” from available payment options
2. Order Placement: After selecting bank transfer, customers click “Place order” to complete the purchase
3. Order Confirmation: The system creates a pending order and redirects to order details page
4. Bank Transfer Instructions: Customers receive comprehensive banking details including:
   • Order ID for reference
   • Beneficiary information (company name, account details)
   • Bank details (name, routing number, SWIFT code)
   • Complete addresses for both beneficiary and bank
   • Correspondent bank information (for international transfers)
   • Download option for bank requisites

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Best Practices

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Security Considerations

• Verify Payments: Always confirm payment receipt before order fulfillment
• Document Everything: Keep records of all bank transfer transactions
• Secure Information: Protect sensitive banking information
• Regular Reconciliation: Regularly reconcile bank statements with orders

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Customer Communication

• Clear Instructions: Provide detailed, easy-to-follow transfer instructions
• Reference Numbers: Include order numbers in transfer references
• Timeline Expectations: Set clear expectations for payment processing time
• Support Contact: Provide customer support for payment-related questions

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Documentation Requirements

• Bank Statements: Keep copies of bank statements for verification
• Transfer Confirmations: Save transfer confirmation documents
• Order Records: Maintain detailed order and payment records
• Compliance: Ensure compliance with local banking regulations

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Troubleshooting

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Common Issues

Payment Not Received

• Verify bank account details are correct
• Check if transfer is still in progress
• Contact your bank for transfer status

Incorrect Transfer Details

• Verify customer provided correct reference information
• Check if transfer was sent to correct account
• Contact customer for clarification

International Transfer Delays

• International transfers can take 1-5 business days
• Check with your bank for processing times
• Verify all international banking codes are correct

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Verification Process

1. Check Bank Account: Review recent transactions in your bank account
2. Match Details: Compare transfer details with order information in admin panel
3. Verify Order ID: Ensure the order ID matches the reference provided to customer
4. Contact Bank: If needed, contact your bank for verification
5. Update Order Status: Use the “Approve” button in admin panel to confirm payment

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Order Status Management

Pending Orders

• Orders remain in “Pending” status until manually approved
• Customers cannot use purchased credits until order is approved
• Orders can be rejected if payment is not received within reasonable time

Approved Orders

• Orders are processed immediately upon approval
• Credits are immediately available to customers
• Orders cannot be reverted or reversed once approved

Rejected Orders

• Orders are cancelled and credits are not provided
• Orders cannot be reverted or reversed once rejected
• Customers should be notified of rejection with reason
• New orders can be placed if payment issues are resolved

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Need Help?

If you need assistance with Aikeedo: