Let clients pay invoices by wiring money to a virtual bank account. Bank transfer is a good option when clients prefer to push funds instead of using cards or direct debit.

What is bank transfer?

With bank transfer, your client sends money from their bank to a virtual bank account that Stripe provides.

Harvest and Stripe handle reconciliation, so the payment is recorded automatically when the funds arrive. No manual matching is needed.

Bank transfer is different from direct debit (ACH, SEPA, BACS). With direct debit, the client authorizes you to pull funds from their account. With bank transfer, the client initiates the transfer and sends the money to you.

Supported currencies

Bank transfer is available for these currencies:

• USD — US bank transfer
• GBP — UK bank transfer
• EUR — SEPA bank transfer
• JPY — Zengin (Japan)
• MXN — SPEI (Mexico)

Each currency has its own setting. You enable only the ones you want to accept.

How to enable bank transfer

1. Go to Settings → Integrations → Stripe.
2. If your Stripe account isn’t connected yet, connect it first. See Stripe for setup.
3. Under Available payment methods, enable Bank transfer payments for your currency (e.g. Enable bank transfer payments (USD)).
4. Click Save settings.

Bank transfer toggles only appear if your Stripe account supports them. If you don’t see them, complete verification in your Stripe Dashboard.

Bank transfer is not available for recurring invoices. Clients can use it for one-time invoices only.

What your client sees

When a client opens an invoice with bank transfer enabled:

1. They choose Bank transfer from the payment options.
2. They see a View bank transfer details button that opens Stripe’s instructions with bank details.
3. They use the reference and instructions to send the money from their bank.
4. They see a Waiting for your bank transfer status until the funds arrive.

If they want to pay another way, they can use Cancel transfer and choose a different method (card, ACH, etc.).

When the payment is recorded

Stripe receives the funds and reconciles them to the invoice. Harvest then records the payment automatically. You don’t need to do anything.

Typical timing:

• USD — 1–3 business days
• GBP — 1–3 business days
• EUR — 1–3 business days
• JPY (Zengin) — 1–3 business days
• MXN (SPEI) — Often within 1 business day

What you see on your side

When a client has started a bank transfer:

• A banner appears on the invoice: Bank transfer pending — your client has received the transfer instructions. The payment will be recorded automatically once the funds arrive.
• If you receive only part of the amount (e.g. due to wire fees), the banner says: Partial bank transfer received — the remaining funds are still expected and will be recorded automatically.

When the full amount arrives, the invoice is marked paid and the payment is recorded automatically.

Related articles

• Stripe — Connect Stripe and set up online payments
• Online payment — Overview of payment options
• Sending invoices — How to send invoices