{"id":16412,"date":"2024-03-20T09:19:39","date_gmt":"2024-03-20T08:19:39","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/bank-transfer-transaction\/bank-transfer-transaction\/"},"modified":"2026-09-03T17:05:39","modified_gmt":"2026-09-03T15:05:39","slug":"bank-transfer-transaction","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/documentation\/bank-transfer-transaction\/bank-transfer-transaction\/","title":{"rendered":"Bank Transfer Transaction"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">1. Operation<\/h2>\n\n<p class=\"wp-block-paragraph\">An <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/developers\/sct-transaction\/sct-transaction\/\">SCT Transaction<\/a> is a bank transfer received at one of your <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/bank-transfer-transaction\/virtual-ibans\/\">CentralPay Virtual IBANs<\/a>.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">It can be created in three different ways:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Automatically<\/strong><br\/>If you provide a dedicated Virtual IBAN for one of your customers or one of your payment accounts, CentralPay will automatically create the SCT Transaction upon receipt of the transfer. You can then reconcile this SCT Transaction with your order\/invoice by retrieving the value from the \u201cdescription\u201d field (which corresponds to the reference your customer entered in their online banking portal). <\/li>\n\n\n\n<li><strong>From the SCT Transaction service<\/strong><br\/>If you want to automate the reconciliation of the wire transfer with the transaction, you can:\n<ul class=\"wp-block-list\">\n<li>Create an SCT transaction with a dedicated virtual IBAN: this will ensure 100% accurate reconciliation of your transaction. Please note that in this case, your customers will need to add a new payee in their online banking portal for each transfer they send to you. <\/li>\n\n\n\n<li>Create an SCT transaction using a Virtual Customer IBAN and retrieve the short reference generated by CentralPay for this transaction: this will allow you to automatically reconcile the transfer with the corresponding customer profile, and potentially track it down to the specific transaction if your customer has correctly entered the reference in their transfer<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>From the Payment Request Service<\/strong><br\/>If you would like to have CentralPay display payment information to your customers (amount, IBAN, BIC, reference, etc.), you can create a <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/payment-links\/payment-requests\/\">Payment Request<\/a> that authorizes payments via SCT Transaction. This option also makes it easy to manage multiple transfers or customer payments made through various payment methods <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">2. Create a transaction SCT<\/h2>\n\n<p class=\"wp-block-paragraph\">Create an SCT Transaction:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Enter an amount in cents (amount) and a currency (currency)<\/li>\n\n\n\n<li>If you want to create a Virtual IBAN specifically for the SCT Transaction, enter the UUID of the payment account where you want to receive the funds in the \u201cibanWalletId\u201d field. You can find this UUID in the         <span class=\"direction_steps\">\r\n            <span class=\"direction_step\">Merchant Portal <\/span><span class=\"direction_step\"> Administration <\/span><span class=\"direction_step\"> Accounts <\/span><span class=\"direction_step\"> UUID<\/span>        <\/span>\r\n         <\/li>\n\n\n\n<li>If you want to use an existing Virtual IBAN (assigned to a customer or a payment account), enter the desired IBAN in the \u201ciban\u201d field\n<ul class=\"wp-block-list\">\n<li>You can then retrieve the \u201csepaReference\u201d value generated by CentralPay and provide it to your customer so that CentralPay can match the transfer to your transaction<\/li>\n\n\n\n<li>Or enter your own custom reference in the \u201cmerchantSctTransactionId\u201d field to reconcile the transfer yourself using our transaction exports<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>1. Operation An SCT Transaction is a bank transfer received at one of your CentralPay Virtual IBANs. It can be created in three different ways: 2. Create a transaction SCT Create an SCT Transaction:<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":16402,"menu_order":3,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[142],"class_list":["post-16412","docs","type-docs","status-publish","hentry","doc_badge-scttransaction","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank Transfer Transaction - CentralPay Documentation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/documentation\/bank-transfer-transaction\/bank-transfer-transaction\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Transfer Transaction - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"1. 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