Reconcile manual transfer (via virtual IBAN)


Feature activation

To enable this feature on your app, please contact us.


Only available for Payment account customer

Virtual IBAN are only available for customers that have a payment account activated

Manual transfers (when the payer initiate a wire transfer from his bank without the ease of Open Banking Payments) are reconciled via virtual IBAN in two different ways:

via our interface

When using our Pay By Link interface, Bridge will display a virtual IBAN (vIBAN) to the payer in the following scenarios:

  • Payer's Bank Not Found: If the payer's bank is not found in the bank list, we provide a vIBAN for reconciliation

  • Third Payment Method Option: As a third payment method option on the bank page

Manual transfer payment method (via vIBAN)

Manual transfer payment method (via vIBAN)

When setting a callback_url on your payment links, after a manual transfer your user will be redirected to this url with the parameters below:

  • payment_link_id
  • status with the value manual_transfer

If your user clicks on the exit cross, you will receive the callback with the parameters below

  • payment_link_id
  • status with the value abort
  • step with the value manual_transfer_page

via our API (coming soon)

To generate and display a vIBAN in your interface using our API, follow these steps:

Step 1: Call the Payment Link creation endpoint

curl '' \
	-X POST \
	-H 'Bridge-Version: 2021-06-01' \
  -H 'Content-Type: application/json' \
	-H 'Client-Id: MY_CLIENT_ID' \
	-H 'Client-Secret: MY_CLIENT_SECRET' \
  -d $'{     
    "user": {
         "first_name": "Thomas",
         "last_name": "Pichet",
         "external_reference": "REF-USER-1234_AZ"
     "callback_url": "",
     "client_reference": "ABCDE_FG-HI_12345",
     "transactions": [
         "amount": 120.98,
         "currency": "EUR",
         "label": "Refund 123456",
         "end_to_end_id": "E2E_ID-1234"
    "url": "",
    "id": "3ae3a3d6-f9d5-445e-b8fe-2db1ab8c39d8",
    "payment_account_infos" : {
    	"viban": "FR111652800XXX13B7PXW2XXX" ,
      "bic": "SXXZPDK",
      "label": "label 1234"

Step 2: display the vIBAN in your interface

Display the received vIBAN in your interface for payment reconciliation



Bridge reconciles manual transfers with the payment link using the vIBAN. It's important to note that a new vIBAN will be generated for every new payment link.