How do Payments by Wire Transfers Work?

August 14, 2023

We explain how a payment by wire transfer works in Kushki

If your users do not have a credit card or wish to use the available balance in their bank accounts to make an online purchase, wire transfer is the ideal payment option.

Payment process

The payment process by wire transfer consists of allowing your customer to use the available balance in their bank account to pay for a purchase on your website or app. To do so, you must generate a Clabe account number for your customer to make the transfer within the website of their bank entity.

1. Payment method selection

Within your app or website, the user must select wire transfer as the payment method.

2. Sending the request

Your merchant sends the transfer request to Kushki to initiate the transaction.

3. Sending the Clabe

When you create the transaction, Kushki will return the Clabe for you to share with your paying customer.

4. Share the Clabe with the customer

Your merchant must share the Clabe with the paying customer, so that the latter can make the payment process with a bank transfer.

5. The customer makes the transfer

With the Clabe and the payment reference, your customer must enter the site of their bank to make the bank transfer.

6. Confirmation of payment

When the amount of the transaction is debited from the user’s account, the bank confirms to Kushki the result of the operation.

7. Notification from Kushki

Kushki notifies you of the final status of the transaction.