Paying by bank transfer (without a payment provider)

Updated on 2026-10-01

Settings → Integrations → Payments → Bank transfer

Not every host can or wants to connect an online payment provider. As a private host with a foreign bank account, for example, Stripe or Mollie often won't work. That is what Bank transfer is for: your guests then receive clear bank transfer details instead of a dead-end message.

Setting it up

Go to Settings → Integrations, category Payments, and click Configure on the Bank transfer tile.
Switch on Show bank transfer on the payment page.
Enter your IBAN. This is required.
Optional: BIC (optional) (useful for foreign guests) and Beneficiary (optional). Empty = the name of your property.
Click Save.

The tile shows Connected as soon as the toggle is on and an IBAN has been entered.

When does the guest see the bank transfer details?

Bank transfer is deliberately a safety net, not a replacement: the details only appear when your property has no online payment method at all (no Stripe, Mollie or Bancontact / WERO). If you connect an online provider later, guests get that instead, simply because paying online is smoother.

Without an online payment method, the guest sees the details in two places:

In the confirmation email: a Pay by bank transfer block with the beneficiary, the IBAN (in groups of four characters), the BIC, the amount (the deposit, or the total) and the booking number as the Reference.
On the payment page (the payment link from emails, reminders and the guest page): the beneficiary, the IBAN with a button to copy it, the amount and a reference the guest must include.

The details appear in the guest's language.

Which payment reference?

In the confirmation email, the reference is always the booking number.
On the invoice (PDF), a payer from Belgium gets a structured communication (+++123/4567/89012+++), which Belgian banks recognise straight away. All other payers, including those whose country is unknown, get a regular reference, such as the booking number. Foreign banks often don't understand a structured communication.

Postpaid customers

A customer with the Pays by bank transfer on invoice (postpaid) checkbox ticked on their customer record never pays online:

Their confirmation email says they pay by bank transfer after receiving the invoice, without a payment button.
If they open the payment page anyway, they see your property's bank transfer details (if you filled them in), or a message saying they pay by bank transfer.

See Managing customers.

Frequently asked questions

Is the payment processed automatically? No. A bank transfer does not report itself to BedFlow. Record the payment you received yourself with Record payment in Daily → Invoices, or at check-out. The payment reference makes it easy to find. See Invoicing.

Can I combine bank transfer with online payment? Not for all guests: the block only appears when there is no active online payment method. For a regular customer who pays on invoice, use the postpaid checkbox.

Does anything change for payment reminders? No, they keep working: the guest clicks the payment link and sees the bank transfer details.