Bank transfer setup
Bank transfer gives clients a manual payment option on invoices. Your bank account details appear directly on the invoice page, so clients can transfer funds without an online payment processor. No transaction fees apply beyond whatever your bank charges for receiving transfers.
How to set up bank transfer details
- Go to Settings > Integrations > Bank account (manual).
- Click Add bank account. This opens the configuration form for a new account.
- Enter an Account name. The account name is how you'll recognise this bank account in the invoice Payment method dropdown (e.g. "Chase Business USD" or "HSBC GBP").
- Add your bank details. The details section is a free-form list of rows. For each row, enter a Field name (the label clients see, like "Account number", "Sort code", "IBAN", or "SWIFT") and a Value (the actual number). Click Add another for each extra field. You choose the labels, so you can match exactly what your bank and region need.
- Toggle Active on. Only active bank accounts appear as payment options on invoices.
- Click Create. The bank account is now available to select as a payment method on any invoice. Any later edits to the name, details, or active toggle are saved automatically.
Adding a bank account to an invoice
Every bank account you configure becomes its own entry in the invoice Payment method selector, listed by the account name you set.
- Open the invoice (or start a new one).
- Find the Payment method field in the invoice form. It's a multi-select dropdown that also holds Stripe, PayPal, and Square options.
- Pick your bank account from the dropdown by the account name you gave it (e.g. "Chase Business USD"). You can add more than one payment method so the client can choose how to pay.
- Save the invoice. The bank account is now offered as a payment option on that invoice.
What the client sees
When the client opens the invoice and clicks to pay with the bank account, a popup appears with a Bank name row showing the account name, every detail row you configured, and the invoice reference. Two buttons let the client signal their intent:
- I've paid, which tells you the client has already sent the transfer. The client sees a "We will check and confirm the payment soon" message, and you get a notification on the invoice. The invoice does not change status on its own, so you still need to verify the funds arrived and Record payment on the invoice yourself.
- Pay later, which acknowledges the invoice without claiming payment yet. The client sees a "We will wait for your payment" message, and you get a notification so you know the client has seen the details.
The popup keeps the whole flow on the invoice page, so the client never leaves Plutio to see the bank details.
Setting up multiple bank accounts
You can configure as many bank accounts as you need, one per currency, region, or entity. Each account stores its own name and detail rows, and each one shows up as its own option in the invoice Payment method dropdown. On any given invoice, pick the account that matches the currency or client, or add several so the client can choose.
How to mark a bank transfer as paid
Bank transfers happen outside of Plutio, so the invoice never updates automatically. Anyone who can edit the invoice (typically owners, co-owners, and team members with invoice edit access) can mark a bank-transfer invoice as paid, and you should only do so once you've confirmed the funds have landed in your account.
Open the invoice and click Record payment, then fill in:
- Amount. Full or partial (partial is always allowed when you record payment yourself).
- Payment method. Pick from Check, Cash, Debit, Credit, Wire Transfer, PayPal, Stripe, Square, or Bank Transfer.
- Payment date. Defaults to today.
- Note. Optional free-text note (for example, a transaction ID).
- Send a receipt. Toggle to email the receipt to the client when the payment records.
Once you submit, Plutio creates a transaction and a receipt automatically, and the invoice moves to paid if the full amount has now been recorded. If the client has clicked I've paid on the popup, that's your cue to check your bank, then run Record payment.
Bank transfer works well for larger invoices where card processing fees would add up, since it skips the Stripe, PayPal, and Square fees that other online payment methods carry. Your bank may still charge for receiving the transfer.
