{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"Bank Transfers","llmstxt":{"title":"Glomopay developer documentation","description":"Cross-border payments APIs, organised by product. Each product section carries both the explanation of its objects and the job-shaped integration guides that set them up.","details":{"content":"How to use these docs:\n\n- Get started is the front door. It carries a routing table from\n  \"what are you building\" to the page that builds it, plus how to get\n  API keys.\n- The product sections - Payin, Payout, Multi-currency accounts,\n  Verification, Request for Information (RFI) - each hold two kinds of page.\n  Pages titled as a noun (\"Subscriptions\", \"Bank Transfer\") explain what\n  an object is. Pages titled as a job (\"Set up recurring subscriptions\",\n  \"Collect LRS remittances from India\") are complete integration flows\n  and live one level under the object they set up. Match a user's goal\n  against the job-shaped titles first.\n- Reports and Identity and Access Management are the two subjects with no\n  API counterpart. There are no endpoints for reports, users, roles or\n  invites; both pages document the merchant dashboard. A dashboard\n  procedure for something the API also does (a refund, a payout) is NOT\n  here - it stays in the product that owns it.\n- API reference is generated from OpenAPI and carries endpoint detail.\n- The OpenAPI description itself is published as a single self-contained\n  document at /openapi.yaml, and the same document as JSON at\n  /openapi.json. Every $ref is resolved into it, so one fetch is the\n  whole contract: 61 paths, 81 operations, 68 schemas - the same\n  endpoints the API reference pages render. Fetch that instead of\n  reading the 129 pages under /api-reference/.\n- Developer resources covers what every integration touches and no single\n  product owns: auth, errors, pagination, rate limits, webhooks,\n  versioning, supported countries, quotes, and the client SDKs.\n"},"sections":[{"title":"Get started","description":"The front door. The routing table from a merchant's goal to the flow that delivers it, how to obtain API keys, and the platform glossary.","includeFiles":["**/get-started/**"]},{"title":"Payin","description":"Collecting money: customers, orders, checkout, payment links, payment methods (cards, bank transfer, pay via bank), refunds, disputes, purpose codes, fee models, custom fields, subscriptions, and resident India remittance under LRS. Includes the flows that set each up - bank transfers, subscriptions, LRS remittances, and server-to-server card payments.","includeFiles":["**/payin/**"]},{"title":"Payout","description":"Sending money: the payout life cycle, queued payouts, creating and cancelling a payout, rails, beneficiaries, purpose codes, and the action required state.","includeFiles":["**/payout/**"]},{"title":"Multi-currency accounts","description":"Holding money: balances, balance conversion, adding balance, withdrawing balance, and the settlement holiday calendar - the Indian and US bank and FX holidays on which settlement to the merchant's bank account, and money movement generally, is affected.","includeFiles":["**/multi-currency-account/**"]},{"title":"Verification","description":"Proving who someone is and that an account is theirs: KYC, bank account validation, and third-party verification (TPV) with the flow that verifies a payer's bank account.","includeFiles":["**/verification/**"]},{"title":"Request for Information (RFI)","description":"Responding to a compliance request for information, per object - payment link, order, payment, payout - plus compliance reviews and RFIs raised on already-successful payments.","includeFiles":["**/request-for-information/**"]},{"title":"Reports","description":"The downloadable and scheduled reports a merchant pulls from the dashboard for reconciliation, compliance and treasury: payment, subscription, settlement breakup, balance statement and KYC reports, plus scheduling one for recurring email delivery. Dashboard only - there is no reports API.","includeFiles":["**/reports/**"]},{"title":"Identity and Access Management","description":"Administering who can use a merchant account: one set of credentials across multiple MIDs, switching between them without logging out, the Admin / Member / Sales Partner roles and what each may see and do, and inviting a new member. Dashboard only - there is no users, roles or invites API.","includeFiles":["**/access-management/**"]},{"title":"API reference","description":"Endpoint reference generated from the Glomopay OpenAPI description.","includeFiles":["**/api-reference/**"]},{"title":"Developer resources","description":"What every integration touches and no single product owns: auth, errors, pagination, rate limits, webhooks, versioning, API validations, security, supported countries, quotes, and the client SDKs - React Native, Flutter, Android and the Unified Web SDK, with per-version references and changelogs. Reports and Identity and Access Management used to be listed here and are now their own sections.","includeFiles":["**/platform/**"]}]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"bank-transfers","__idx":0},"children":["Bank Transfers"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Glomo supports Bank Transfers as a payment method for businesses to collect funds directly from customers via domestic and international bank rails. Each merchant is assigned a unique virtual bank account number that remains static across transactions. Customers initiate a transfer from their own banking app or at their bank branch, sending funds directly into this virtual account. Glomo automatically maps incoming transfers to the correct merchant order — no manual reconciliation required."]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"customer-journey","__idx":1},"children":["Customer Journey"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Initiate Payment"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["At checkout, the customer selects Bank Transfer as the payment method."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}," ",{"$$mdtype":"Tag","name":"img","attributes":{"src":"/assets/initiate-payment.d763648362c838fac9f13b122ba8e14c47c4ad4488b91c3b3506d59cf05f2201.7b0551df.png","alt":"Initiate payment","style":{"width":"60%","height":"60%"}},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Receive Virtual Account Details"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A unique virtual bank account number (and bank details) are displayed to the customer."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["These details can also be shared via email or payment link for convenience."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Make the Transfer"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The customer completes the transfer through their own online banking portal or by visiting their bank branch."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Funds are sent from the customer's bank account to the virtual account assigned by Glomo."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Reconciliation"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Glomo uses the virtual account number and a unique per-order reference to match the incoming transfer to the correct order or payment link."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The merchant is notified instantly once the payment is reconciled."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Payment Confirmation"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The customer receives a confirmation once the transfer is detected."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Merchants can view the payment status in real time on the Glomo dashboard or via APIs."]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"virtual-account-details","__idx":2},"children":["Virtual Account Details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Each merchant on Glomo is assigned a static virtual bank account number. When a payment is initiated, a unique reference is generated for that order. The customer must include this reference in the transfer remarks — this is how Glomo maps the incoming funds to the correct order."]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"transaction-limits","__idx":3},"children":["Transaction Limits"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["GlomoPay does not impose transaction amount caps on bank transfers. However:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Individual customer banks may have their own daily or per-transaction transfer limits."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Customers should check with their bank if a transfer fails due to limit breaches."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["This method is recommended for high-value transactions where card limits may apply."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"benefits","__idx":4},"children":["Benefits"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Secure and trusted"]},": Customers use their own banking app or branch — no card details are shared with the merchant."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["High-value transactions"]},": Ideal for large payments with no card network restrictions or issuer limits."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Broad customer reach"]},": Accessible to customers who do not hold cards or prefer direct bank transfers."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Asynchronous-friendly"]},": Merchants are notified the moment funds are reconciled, with no dependency on the customer remaining on-page."]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"faqs","__idx":5},"children":["FAQs"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["What is a virtual account number?"]}," ","A virtual account number is a static bank account number assigned to a merchant on Glomo. All incoming transfers to this account are automatically mapped to the correct order using the unique reference the customer includes in their transfer remarks."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["What happens if the customer sends the wrong amount?"]}," ","If the transferred amount does not match the order amount, Glomo will not auto-reconcile the payment. Manual intervention will be required."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["What happens if the customer forgets to include the reference?"]}," ","Without the reference, automatic reconciliation may not be possible. Glomo's operations team will attempt manual reconciliation. Instruct customers clearly to include the reference in the remarks field when making the transfer."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["How are refunds handled?"]}," ","Refunds are initiated directly to the customer's bank account via a new bank transfer. Refunds typically take 1–3 business days to appear. Initiate refunds via the Glomo dashboard or the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/payin/refund"},"children":["Refunds API"]},"."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Can Bank Transfer be used for subscriptions or recurring payments?"]}," ","No. Bank Transfers require a manual action by the customer for each payment and are not supported for automatic recurring charges. For recurring collections, consider ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/payin/payment-methods/cards"},"children":["Cards"]}," with subscription support."," ",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["How do I enable Bank Transfer on my account?"]}," ","Bank Transfer is available on supported merchant accounts. To activate or configure it for your integration, reach out to us at ",{"$$mdtype":"Tag","name":"a","attributes":{"href":"mailto:support@glomopay.com","style":{"color":"var(--gp-inline-link)"}},"children":["support@glomopay.com"]},"."]}]}]}]},"headings":[{"value":"Bank Transfers","id":"bank-transfers","depth":1},{"value":"Customer Journey","id":"customer-journey","depth":3},{"value":"Virtual Account Details","id":"virtual-account-details","depth":3},{"value":"Transaction Limits","id":"transaction-limits","depth":3},{"value":"Benefits","id":"benefits","depth":3},{"value":"FAQs","id":"faqs","depth":3}],"frontmatter":{"seo":{"title":"Bank Transfers"}},"lastModified":"2026-09-22T05:15:29.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/payin/payment-methods/bank-transfer","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}