# Wire Transfer

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

## How to configure 

How you configure Wire Transfer depends on whether you're using [DigitalRiver.js with Elements](/commerce-api/payments/payments-solutions/digitalriver.js.md) or[ Drop-in payments](/commerce-api/payments/payments-solutions/drop-in.md).   

| DigitalRiver.js with Elements                                                                                           | Drop-in payments                                                                                                     |
| ----------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------- |
| [Configuring Wire Transfer](/commerce-api/payments/payments-solutions/digitalriver.js/payment-methods/wire-transfer.md) | [Drop-in Payments Integration Guide](/commerce-api/payments/payments-solutions/drop-in/drop-in-integration-guide.md) |

## How it works

Wire Transfer uses a [delayed payment flow](/commerce-api/payments/building-your-workflows/flows-by-payment-type.md#delayed-payment-flow).


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