Bank transfer

Let customers pay for a plan by bank transfer, collect proof of payment, and approve the order to release the plan.

Bank transfer is a manual gateway. There is no payment provider, no API key and no webhook. The customer pays from their own bank, uploads a receipt, and you approve the order once the money has arrived. Until you approve it, the order stays pending and the customer gets nothing.

Setting	Value
Settings page	Admin → Finance → Payment Gateways → Bank Transfer
Name at checkout	Bank Transfer
Plan types	Prepaid, Lifetime, Monthly, Yearly
Monthly and Yearly plans	Granted for one period per approved order. No automatic renewal
Webhook	None
Test mode	None

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Set it up

1. Open the Bank Transfer card

   Go to Admin → Finance → Payment Gateways and click Bank Transfer. The page is titled Bank Transfer Settings.

2. Enable it

   Under General, turn on Status. The description reads “When enabled, users can use Bank Transfer for payments”.

3. Enter your bank details

   Under Requisites, fill in Bank Transfer Requisites with the account details customers must send money to, such as account holder, bank name, account number or IBAN, and the SWIFT or BIC code.

4. Enter the instructions

   Fill in Bank Transfer Instructions with anything else the customer needs to do, such as how long you take to confirm a transfer.

5. Save

   Click Save. You see “Bank Transfer settings saved successfully.”

Each of the two text boxes holds up to 2,000 characters. HTML tags are removed when you save. Line breaks are kept, so you can lay the details out in lines. The customer only sees a box if you filled it in.

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What the customer does

1. Choose Bank Transfer at checkout

   The customer picks the Bank Transfer card on the checkout page and confirms. MagicPost creates the order straight away with the status Pending and a payment reference that starts with BT- followed by ten letters and digits.

2. Read the instructions

   The customer lands on Complete your bank transfer. It shows the Plan, the Amount to transfer and the Payment reference, a reminder to put the reference in the transfer description, then your Bank account details and Payment instructions.

3. Send the money

   The customer makes the transfer at their own bank.

4. Upload the receipt

   The customer opens their profile from the user menu, finds the order in the Recent billing section and clicks the paperclip icon, whose tooltip reads “Upload proof of payment”. In the Proof of payment window they choose a PDF, JPG, PNG or WEBP file of up to 8 MB and click Upload proof.

The customer can replace the file while the order is pending, using the same icon and the Replace proof button. The icon appears only for pending orders. Proofs are stored privately on the server and are not reachable by a public link. Only the customer who owns the order and admins can open them.

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What you do

1. Open the order

   Go to Admin → Finance → Orders and open the pending order. For a bank transfer order the page shows a Bank Transfer panel.

2. Check the proof

   Under Proof of Payment, click View attachment. If the customer has not uploaded one, the panel says “The customer has not uploaded a proof of payment yet.”

3. Confirm the money arrived

   Check your bank account for a transfer that carries the payment reference and the right amount.

4. Set the status

   In Order Status, choose Completed and click Update status. Confirm the prompt “Update this order status? Setting it to Completed will grant the plan benefits to the customer.”

You see “Order approved. The customer now has access.” and the order becomes Completed.

The Order Status list has four values: Pending, Completed, Declined and Cancelled.

• Completed releases the plan’s benefits, once. The credits of the plan are added. For Monthly, Yearly and Lifetime plans an active subscription is also created, and its access period starts at the moment you approve. Setting an order to Completed twice does not grant anything twice.
• Declined, Cancelled and Pending only change the order status. Nothing is granted, and nothing already granted is taken back.

While an order is pending, the panel says “Currently awaiting confirmation. No benefits have been granted yet.”

The Bank Transfer panel and its status control appear only on bank transfer orders. Orders paid through other gateways are recorded as completed automatically.

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Renewals

Bank transfer cannot charge a customer again. For a Monthly or Yearly plan, the approved order gives one period of access. When it ends, the customer places a new order and pays again.

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Currency and amounts

The order records the plan’s price and currency. The customer sees the amount with the currency symbol and must send exactly that amount. MagicPost does no currency conversion.

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Common errors

Bank transfer is not available right now.

Status is off, so no order can be created. Turn it on and save.

We could not start your order. Please try again.

The order reference could not be saved. Ask the customer to try again.

Order not found

The instructions page opens only for the customer who owns a bank transfer order. The customer sees “We could not find this bank transfer order. Please start again from the billing page.” with a Back to billing button.

The proof must be a PDF or an image (JPG, PNG, WEBP). / The proof may not be larger than 8 MB.

The uploaded file is the wrong type or too large. Ask the customer to upload another file.

This order could not be marked as completed.

The order is already completed, or its plan or customer no longer exists.

See also Orders and transactions, Payment gateways and Billing and subscription.