Bank transfer

Open Settings › Payments and choose Set up beside Bank transfer (Manage once your bank account is in), or choose Bank transfer under Payments in the Settings menu. The title says whether it is On or Off.

Customers transfer the total to your bank account, with the order number as the reference. Mark the order paid when the money arrives, and it ships.

• Add your bank account in Settings › Company details first: until then the page says so and links there. Once it is in, the page shows the account Customers pay into, with Change in Company details.
• Offer bank transfer: customers can choose it at checkout.
• Instructions for customers (optional): shown when they choose bank transfer and in their order confirmation.
• Let customers send a proof of payment (off unless you tick it): while an order waits for the transfer, its page lets the customer send one file, a PDF, JPG or PNG of up to 10 MB, such as their bank’s confirmation (a photo of up to 40 megapixels). A picture is saved again without its hidden details, such as where it was taken. The file keeps the customer’s name for it, always ending in what it really is (.pdf, .jpg or .png). A new file takes the place of the last one; an order takes up to ten files a day, counting ones that could not be read, and your store up to 100 MB of proofs a day across its orders (beyond that, customers are asked to try again later). You see it on the order, beside Mark transfer received, and download it there; it is never opened in the admin. An order with a proof is never cancelled for want of payment, because you check it first, and the payment reminders set when it was placed are not sent (send one from the order if the proof turns out wrong).

Apply in the bar at the top keeps your changes; Discard puts them back. Only the owner changes them.

The code to scan

When your account is in the SEPA area (the EU and its neighbours, such as Switzerland, Norway and the United Kingdom) and Company details has its IBAN and BIC, an order in euros gets a QR code: on the order’s page under your bank details, and in the order confirmation, pre-order confirmation, order edited and payment reminder emails. Most European banking apps scan it to fill in the transfer: your account, what is still to pay and the order number as the reference. If you change your bank account, emails sent before show no code, as they name your old account. The holder is your account’s holder, else your legal name, else your store’s name, and must be at most 70 characters, as banks check it. Another currency, an account outside SEPA or one without a BIC gets no code, and customers copy the details as before. An email you edited yourself shows the code, and the last day to pay, only if you add them (Bank transfer QR code and Last day to pay among the variables).

Cancel orders that are not paid

In Emails › Email settings › Payment reminders, tick Cancel bank transfer orders that stay unpaid and type how many days after the order, from 1 to 60, after your last reminder. A bank transfer order placed from then on that is still unpaid on the day after that is cancelled: its items go back in stock and the customer gets the Order cancelled email; the order and its timeline give the reason “Not paid in time”. Until then, the order’s page and its emails tell the customer the last day to pay, and checkout says it under Bank transfer before they order (not to a company’s buyer on payment terms, nor for an order with nothing to send, as those are not cancelled for it). While it is on, a customer who checks out with a phone number gives an email to pay by bank transfer. An order you enter yourself gets a last day only when its customer hears of it: you email them the order confirmation, or payment reminders are on and the Payment reminder email is not turned off. If you wrote your own version of those emails, add Last day to pay to it, or they do not count. What the order’s page says about the code, the last day and the proof can be changed in Settings › Checkout › Change text. Switched off, the orders placed so far are no longer cancelled; switched on again, it is for orders placed from then on (also when you undo the change in the history). Only people who may change both orders and emails set this.

An order whose customer sent a proof of payment, one already on its way (sent, with your fulfilment service, being packed or ready for pickup), one that was paid before (and owes more after you edited it), one that owes nothing, one with a company’s payment terms, one held for review and a test order are never cancelled for it, even if you undo what kept it (cancel a shipment record, take back Mark as in progress) or it owes money again later. Neither is an order whose email you remove or change, as nobody at the new address was told the day. Removing your bank account in Company details turns bank transfer off and forgets the last days of the orders waiting for a transfer. To keep one order, choose Don’t cancel it automatically on it and confirm: it then waits until it is paid or you cancel it.

If the money arrives after the order was cancelled, the order cannot be marked paid any more: send the money back from your bank, or ask the customer to order again.