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Payment integration

Bank API integration for bank transfer payments in your booking engine

Let customers and agents pay for flights, hotels and tours by bank transfer to your own account. The booking waits as pending, your team confirms it once the funds clear, and the payment is recorded against the reservation.

  • Bank transfer at checkout
  • Pending until funds clear
  • Payment recorded on the booking
  • Direct bank API as custom work

How it works

Bank transfer is a ready payment method in PHPTRAVELS

Bank Transfer sits in the PHPTRAVELS payment gateway list next to Stripe, PayPal, Adyen and the agent wallet. It is an offline method: there is no card processor in the middle, so the customer sends the money to your bank account and your team confirms the booking when it arrives. If you need a live connection to your bank's own API, for example to match incoming transfers automatically, that is available as custom development on top of the same booking flow.

  1. Enable Bank Transfer in the payment gateways section of the admin
  2. Add your account name, bank, IBAN or account number and transfer instructions
  3. Customers choose bank transfer at checkout and receive your details
  4. Mark the booking as paid once the transfer reaches your account
  5. The booking is confirmed and the voucher or ticket is sent
Try the booking demoSee pricing
Payment method
Bank transfer · Enabled
Bank account
IBAN: •••• · SWIFT: ••••
Transfer reference
Booking number
Status until paid
Pending payment
Currency
USD

Payment flow

From checkout to confirmed booking by bank transfer

The steps PHPTRAVELS follows when a customer or agent chooses to pay by bank transfer.

  1. Choose

    The customer selects bank transfer on the payment step of checkout.

  2. Instruct

    Your bank details and the booking number are shown as the transfer reference.

  3. Hold

    The booking is saved as pending payment, visible in the admin.

  4. Transfer

    The customer sends the amount from their bank to your account.

  5. Confirm

    Once funds clear, your team marks the booking as paid.

  6. Issue

    The confirmation, invoice and voucher or ticket go to the customer.

Payment methods

Bank transfer alongside your other ways to get paid

Bank transfer is one option in the payment gateway list, so you can switch on the methods your markets expect.

  • Bank transfer

    Offline payment to your own bank account, confirmed by your team when funds arrive.

  • Online gateways

    Stripe, PayPal, Adyen, Paystack, Cashfree, FlutterWave, Myfatoorah and other card and wallet gateways.

  • Wallet and pay later

    Agents pay from their wallet balance, and pay later is available as a separate option.

See every payment integration

Back office

Manage bank transfer payments from one admin

Pending transfers, confirmations and payment records sit in the same dashboard as your bookings and suppliers.

  • Pending payments

    Filter bookings by payment status to see which transfers are still outstanding.

  • B2B agents

    Agents can pay for their bookings by bank transfer, or from their wallet balance.

  • Invoices

    Invoices carry the amount due and the payment method, and update once the booking is paid.

  • Email notifications

    Booking and payment emails keep the customer informed from pending to confirmed.

  • Multi-currency

    Show totals in the currencies your markets use and state the currency the transfer must be made in.

  • Reports

    Revenue by payment method, so bank transfer income is easy to reconcile with your statements.

Compare

Bank transfer by email vs bank transfer in PHPTRAVELS

Many agencies already accept transfers, but handle them outside the booking system. This is what changes.

TaskManual processPHPTRAVELS
Bank detailsManual processTyped into emails for each customerPHPTRAVELSShown automatically at checkout once bank transfer is chosen
Matching paymentsManual processTransfers arrive without a clear referencePHPTRAVELSThe booking number is the transfer reference
Booking statusManual processTracked in a spreadsheet or inboxPHPTRAVELSPending and paid statuses on every reservation
Tickets and vouchersManual processSometimes sent before the money arrivesPHPTRAVELSIssued after the booking is marked as paid
RecordsManual processPayments noted separately from bookingsPHPTRAVELSAmount, method and date stored on the booking
Bank APIManual processStatements checked by handPHPTRAVELSManual by default, with a direct bank API connection as custom development

Use cases

Who takes bank transfers with PHPTRAVELS

  • Corporate and group travel

    Companies and groups that pay large bookings by invoice and transfer rather than by card.

  • B2B agencies

    Sub-agents settle their bookings by transfer to your account.

  • Transfer-first markets

    Regions where customers prefer bank transfers to cards, offered next to local gateways.

Why PHPTRAVELS

Your bank account, your platform, your code

  • Source code included

    Self-hosted under a commercial licence, so your developers can extend the payment flow.

  • Paid to your own account

    Transfers go straight to your bank, with no gateway holding the funds in between.

  • 24 languages

    Show transfer instructions in your markets' languages and currencies, including right-to-left.

  • B2C and B2B

    One installation for your public website and your agent portal.

FAQ

Bank API integration questions

What travel companies ask before accepting bank transfers.

Talk to sales

It adds bank transfer as a payment method in your booking engine. The customer transfers the amount to your bank account, you confirm the booking once the funds clear, and the payment is recorded against the reservation.

Bank transfer is a ready, offline payment method that your team confirms by hand. A live connection to your bank's own API, for example to read statements or match transfers automatically, is available as custom development.

No. A bank transfer booking stays as pending payment until your team marks it as paid, and the confirmation, voucher or ticket follows from there.

Yes. Bank transfer is one entry in the payment gateway list, so you can enable it alongside Stripe, PayPal, Adyen, regional gateways and the agent wallet.

Yes. Agents can choose bank transfer for their bookings in the agent portal, or pay from their wallet balance where you enable it.

Bank transfer is part of the platform's payment options. Plans start with Startup as a one-time licence, and a direct bank API connection is quoted as custom work; see the pricing page or ask sales.

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