Wire Transfer

Wire Transfer is an offline payment method where a consumer goes to their bank to send the money.

When using this payment method, a customer must provide their bank with transfer information provided by the merchant to complete the payment. The transfer details consist of the account holder, bank name, city, country description, payment reference, bank account number, additional bank information, and the international bank account number (IBAN).

Create a Wire Transfer payment method for your app or website in four easy steps:

Step 1. Build a Wire Transfer source request object

Build a Wire Transfer Source Request object. A Wire Transfer Source Request object requires the following fields.

Field

Value

type

wireTransfer

amount

The total value of the transaction

currency

The currency of the transaction.

owner

An Owner object.

wireTransfer

A Wire Transfer object. (This is currently empty)

Step 2. Create a Wire Transfer source using DigitalRiver.js

To create a WireTransfer payment source, you must use the createSource method exposed via DigitalRiver.js.

var data = {
"type": "wireTransfer",
"sessionId": "ea03bf6f-84ef-4993-b1e7-b7d5ecf71d1f",
"owner": {
firstName: "John",
lastName: "Doe",
email: "john.doe@gmail.com",
phoneNumber: "1555000000",
address: {
line1: "123 Main Street",
line2: "",
city: "Minnetonka",
state: "MN"
postalCode: "55343",
country: "US"
}
},
"wireTransfer": {
}
}
digitalriver.createSource(data).then(function(result) {
if (result.error) {
//handle errors
} else {
var source = result.source;
//send source to back end
sendToBackend(source);
}
});

Wire Transfer Source response example

Source response
Source response
{
"clientId": "gc",
"channelId": "drdod15",
"liveMode": false,
"id": "14381d1c-8bff-4350-aeea-82b36f3a196c",
"clientSecret": "14381d1c-8bff-4350-aeea-82b36f3a196c_14381d1sdfsdfc-8bff-4350-aeea-82b36f3a196c",
"type": "wireTransfer",
"reusable": false,
"owner": {
"firstName": "John",
"lastName": "Doe",
"email": "john.doe@gmail.com",
"phoneNumber": "1555000000",
"address": {
"line1": "123 Main Street",
"line2": "",
"city": "Minnetonka",
"state": "MN",
"country": "US",
"postalCode": "55343"
}
},
"amount": "100.00",
"currency": "USD",
"state": "pending_funds",
"creationIp": "209.87.178.4",
"createdTime": "2019-05-22T01:52:40.965Z",
"updatedTime": "2019-05-22T01:52:40.965Z",
"flow": "receiver",
"wireTransfer": {
"accountHolder": "Netgiro Payments AB",
"bankName": "ABN AMRO Bank N.V.",
"city": "Prague",
"country": "ES",
"referenceId": "DR1651067521",
"accountNumber": "0100037259",
"additionalBankInformation": "Codigo de oficina: 0001 Codigo de entidad: 0156 Digitos de control: 09",
"iban": "ES35 0156 0001 0901 0003 7259"
}
}

Step 3. Use the authorized source

Once authorized, you can use the source by attaching it to a cart.

Attach the source to a cart

POST /v1/shoppers/me/carts/active/apply-payment-method
POST /v1/shoppers/me/carts/active/apply-payment-method
{
"paymentMethod": {
"sourceId": "e7ba0595-059c-460c-bad8-2812123b9313"
}
}

Step 4. Direct your customer to go to their banking institution

Once the customer submits the order, the source remains in the pending_funds state. Direct your customer to go to their banking institution to wire the money to the account details listed in the wireTransfer block of your source.

Source response
Source response
{
"source": {
"clientId": "gc",
"channelId": "paylive",
"liveMode": false,
"id": "f51a7ac8-4d97-4579-bc38-1db3abe01cf5",
"sessionId": "d6deb2b4-347e-431e-9d56-095038e0e338",
"clientSecret": "f51a7ac8-4d97-4579-bc38-1db3abe01cf5_a654d22d-cdb3-4ad2-9f00-7b316cab6595",
"type": "wireTransfer",
"reusable": false,
"owner": {
"firstName": "John",
"lastName": "Doe",
"email": "john.doe@gmail.com",
"phoneNumber": "1555000000",
"address": {
"line1": "123 Main Street",
"line2": "",
"city": "Minnetonka",
"state": "MN",
"country": "US",
"postalCode": "55343"
}
},
"paymentId": "b95cce28-f7bf-4818-a305-9382745d1f2b",
"amount": "468.94",
"currency": "USD",
"state": "pending_funds",
"upstreamId": "805335310080",
"creationIp": "75.73.13.76",
"createdTime": "2020-12-30T20:35:08.61Z",
"updatedTime": "2020-12-30T20:35:08.746Z",
"expirationTime": "2021-01-29T20:35:08.61Z",
"flow": "receiver",
"browserInfo": {
"userAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/87.0.4280.88 Safari/537.36",
"acceptHeader": "application/json, text/plain, */*",
"language": "en-US",
"colorDepth": 24,
"screenHeight": 960,
"screenWidth": 1707,
"timeZoneOffset": 360,
"javaEnabled": false,
"browserIp": "75.73.13.76",
"referrer": "https://js.digitalriverws.com/v1/components/controller/controller.html?componentId=controller-89303efc-de83-41b7-a892-c6c631c2ff49"
},
"wireTransfer": {
"accountHolder": "Global Collect BV",
"bankName": "Rabobank N.A.",
"city": "Ontario USA",
"country": "United States",
"referenceId": "890703719099",
"accountNumber": "0487369908",
"additionalBankInformation": "ABA|122238420||Address|WESTLAKE VILLAGE, 2663 TOWNSGATE RD",
"swiftCode": "RABOUS66XXX"
}
},
"readyForStorage": false

Supported geographies

Wire Transfer supports the following geographies and currencies.

Supported geographies

Austria (AT), Australia (AU), Bahrain (BH), Belgium (BE), Canada (CA), Cyprus (CY), Czech Republic (CZ), East Malaysia (MY), Estonia (EE), Finland (FI), France (FR), Germany (DE), Greece (GR), Hong Kong (HK), Hungary (HU), Ireland (IE), Italy (IT), Japan (JP), Kuwait (KW), Latvia (LV), Luxembourg (LU), Malta (MT), Netherlands (NL), New Zealand (NZ), Norway (NO), Poland (PL), Portugal (PT), Qatar (QA), Romania (RO), Russia (RU), Spain (ES), Singapore (SG), Slovakia (SK), Slovenia (SI), South Africa (ZA), Sweden (SE), Switzerland (CH), Thailand (TH), United Kingdom (GB), United States (US)

Supported currencies

AUD, BHD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, KWD, MYR, NOK, NZD, PLN, QAR, RUB, SGD, THB, USD, ZAR