Bank Transfer

Bank transfer allows customers to pay by transferring funds directly from their bank account to your One2Pays account.

Overview

Bank transfer payments require customers to manually transfer funds from their bank account. Payments are confirmed once the transfer is detected.

Features

Direct Transfer - Funds transferred directly from customer's bank
No Fees - No transaction fees for customers
Secure - Uses bank-level security
Manual Confirmation - Payments require manual confirmation

Payment Flow

Create Payment - Merchant creates a payment with paymentMethod: 'bank_transfer'
Display Bank Details - Customer sees bank account details for transfer
Customer Transfers - Customer transfers funds from their bank
Payment Detected - One2Pays detects the transfer (may take time)
Payment Confirmed - Payment is confirmed and webhook is sent

Creating a Bank Transfer Payment

import crypto from 'crypto';

const API_KEY = process.env.PAYMENT_API_KEY!;
const API_SECRET = process.env.PAYMENT_API_SECRET!;

async function createBankTransferPayment() {
  const method = 'POST';
  const path = '/api/v1/payments';
  const body = JSON.stringify({
    amount: '1000.00',
    currency: 'THB',
    referenceId: 'order-12345',
    paymentMethod: 'bank_transfer',
    customerBankAccountName: 'John Doe',
    customerBankAccountNumber: '1234567890',
    customerBankCode: '004', // KBank
    description: 'Payment for order #12345',
  });
  const timestamp = Date.now().toString();

  const message = `${timestamp}.${body}`;
  const signature = crypto
    .createHmac('sha256', API_SECRET)
    .update(message)
    .digest('hex');

  const response = await fetch(`https://api.example.com${path}`, {
    method,
    headers: {
      'X-API-Key': API_KEY,
      'X-Timestamp': timestamp,
      'X-Signature': `sha256=${signature}`,
      'Content-Type': 'application/json',
    },
    body,
  });

  return await response.json();
}

Processing Time

Detection Time: 5-30 minutes (varies by bank)
Confirmation: Once transfer is detected
Webhook Delivery: Sent immediately after confirmation

Bank Account Information

When creating a bank transfer payment, you can optionally provide customer bank account information:

customerBankAccountName - Account holder name
customerBankAccountNumber - Account number
customerBankCode - 3-digit Thai bank code

Providing customer bank account information helps with faster payment detection and reconciliation.

Payment Limits

Minimum: 1.00 THB
Maximum: Varies by bank (typically 2,000,000 THB per transaction)
Daily Limit: Varies by bank

Customer Experience

Customer selects bank transfer payment method
Sees bank account details for transfer
Transfers funds from their bank account
Waits for payment confirmation
Receives confirmation notification

Best Practices

Display Bank Details Clearly - Show bank account details prominently
Include Reference ID - Ask customers to include reference ID in transfer memo
Set Expiration - Set appropriate expiration time for bank transfers
Monitor Status - Poll payment status or use webhooks for updates

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