Local Bank Transfers for Modern Businesses
Accept customer payments and send merchant payouts through supported local banking networks with automated matching and real-time webhook updates.
How Local Bank Transfers Work
From payment details generation to automated matching and merchant balance updates.
Payment Initiated & Details Provided
The customer receives designated beneficiary account details and a reference code to initiate a standard transfer through their local bank.
const payment = await payflow.transfers.retrieve({
referenceId: "REF-984210",
amount: 2500.00,
status: "completed"
});
Why Manual Bank Transfers Don't Scale
Handling manual wires creates operational overhead. PayFlow connects payment collection, matching, and payouts into one system.
Multiple Bank Portals
Managing multiple bank accounts and interfaces complicates reconciliation and daily reporting.
Manual Reconciliation
Finance teams manually checking statement records against customer orders creates backlogs.
Slow Confirmation
Delays in confirming customer deposits lead to delayed service fulfillment and support requests.
Mismatched References
Missing, misspelled, or truncated customer reference codes make matching difficult.
Everything You Need for Bank Transfers
Purpose-built tools for payment collection, matching, and payout operations.
Supported Local Banks
Connect to major domestic banking channels to collect customer payments and disburse funds.
Automated Payment Matching
Automatically match customer deposits using unique reference IDs and receipt verification.
Merchant Payouts
Execute single or batch bank payouts directly to merchant and supplier accounts.
Webhook Updates
Receive immediate notifications as payments transition from pending to completed.
Verification & Security
Tamper-evident payload signing (HMAC-SHA256) and strict server-to-server validation.
Centralized Ledger
Track payments, fee breakdowns, and settlement history in one unified dashboard.
Built for High-Volume Businesses
Designed for businesses that need clear, dependable payment collection and payout workflows.
Trading Platforms & Brokers
Facilitate direct deposit account funding with clear reference tracking and fast operational crediting.
E-Commerce Marketplaces
Accept bank transfers for large merchant orders without card limits and high card processing fees.
SaaS & Enterprise Billing
Collect high-value invoice retainers and subscription renewals with automated matching against open invoices.
Cross-Border Businesses
Accept local currency payments directly from customers in supported regional corridors.
Simple Integration. Clear Documentation.
Connect bank transfers using our REST API or lightweight SDK. Create transfer requests, receive verified webhooks, and track payment states.
import { PayFlowClient } from "@payflow/sdk";
// Initialize PayFlow client
const payflow = new PayFlowClient({
apiKey: process.env.PAYFLOW_API_KEY,
});
// Create transfer deposit request
const deposit = await payflow.bankTransfers.create({
amount: 2500.00,
currency: "USD",
orderId: "ord_89210",
webhookUrl: "https://api.yourdomain.com/hooks/transfers",
});
// Returns payment reference & account details
console.log(deposit.accountNumber, deposit.referenceCode);