[{"data":1,"prerenderedAt":731},["ShallowReactive",2],{"post:\u002Fen\u002Fblog\u002Frecurring-payments-without-direct-debit":3,"related:\u002Fen\u002Fblog\u002Frecurring-payments-without-direct-debit":198},{"id":4,"title":5,"body":6,"category":174,"date":175,"description":176,"extension":177,"faq":178,"h1":188,"key":189,"meta":190,"navigation":191,"path":192,"rawbody":193,"readingTime":194,"seo":195,"stem":196,"updated":175,"__hash__":197},"blog_en\u002Fen\u002Fblog\u002Frecurring-payments-without-direct-debit.md","Recurring payments without direct debit",{"type":7,"value":8,"toc":164},"minimark",[9,13,21,26,60,69,73,100,104,118,122,148,152],[10,11,12],"p",{},"When people talk about recurring payments, they almost always think of direct debit: the customer gives an authorization once, then their account is debited at each due date. It is convenient for the collector, less so for the customer, and not every organization can set it up.",[10,14,15,16,20],{},"There is another approach: ",[17,18,19],"strong",{},"a subscription that generates the invoices, and a bank transfer from the customer at each due date",".",[22,23,25],"h2",{"id":24},"the-principle","The principle",[27,28,29,37,44,51,54],"ol",{},[30,31,32,33,36],"li",{},"A ",[17,34,35],{},"subscription"," is created: customer, label, frequency (monthly, quarterly, annual), start date and optional end date.",[30,38,39,40,43],{},"At each due date, an ",[17,41,42],{},"invoice"," is issued automatically, on its date.",[30,45,46,47,50],{},"The customer ",[17,48,49],{},"pays it by bank transfer"," from their bank.",[30,52,53],{},"The bank confirms, the invoice moves to “paid”, the issuer is notified.",[30,55,56,57,20],{},"If nothing arrives, the delay is detected and the customer is ",[17,58,59],{},"chased",[10,61,62,63,68],{},"This is how ",[64,65,67],"a",{"href":66},"\u002Fen\u002Frecurring-payments","virement.tn recurring payments"," work: up to 24 installments can be generated in advance, and the customer is notified at each due date.",[22,70,72],{"id":71},"the-advantages","The advantages",[74,75,76,82,88,94],"ul",{},[30,77,78,81],{},[17,79,80],{},"No sensitive data to store",": no card number, no direct-debit mandate. Only the destination RIB is involved.",[30,83,84,87],{},[17,85,86],{},"The customer stays in control",": they trigger each payment and can suspend their subscription.",[30,89,90,93],{},[17,91,92],{},"A payment attached to an invoice",": no more manual reconciliation.",[30,95,96,99],{},[17,97,98],{},"Usable without any specific banking arrangement"," on the organization's part.",[22,101,103],{"id":102},"the-limits-honestly","The limits, honestly",[74,105,106,112],{},[30,107,108,111],{},[17,109,110],{},"Payment is not guaranteed on the date."," If the customer forgets, the transfer arrives late — hence the importance of reminders and follow-ups.",[30,113,114,117],{},[17,115,116],{},"Less suited"," to services where immediate interruption in case of non-payment is critical and where automatic payment is essential.",[22,119,121],{"id":120},"good-practices","Good practices",[74,123,124,130,136,142],{},[30,125,126,129],{},[17,127,128],{},"Remind before the due date",": a simple reminder avoids a good share of oversights.",[30,131,132,135],{},[17,133,134],{},"Set a ceiling"," on the automatically confirmed amount: for a customer already committed, invoices under this ceiling are confirmed with no new code.",[30,137,138,141],{},[17,139,140],{},"Set the delay rules in advance",": tolerance period, follow-ups, consequence of prolonged non-payment.",[30,143,144,147],{},[17,145,146],{},"Choose the right frequency",": monthly for current charges, quarterly or annual for premiums and membership fees.",[22,149,151],{"id":150},"when-to-prefer-an-installment-plan","When to prefer an installment plan?",[10,153,154,155,159,160,20],{},"If the total is known and must be settled in a defined number of installments, an ",[64,156,158],{"href":157},"\u002Fen\u002Finstallment-payments","installment payment plan"," is better suited: it has a start, an end and a total amount. For financing contracts, see ",[64,161,163],{"href":162},"\u002Fen\u002Fleasing-tunisia","leasing",{"title":165,"searchDepth":166,"depth":166,"links":167},"",3,[168,170,171,172,173],{"id":24,"depth":169,"text":25},2,{"id":71,"depth":169,"text":72},{"id":102,"depth":169,"text":103},{"id":120,"depth":169,"text":121},{"id":150,"depth":169,"text":151},"Recurring payments","2026-09-19","Collecting subscriptions, membership fees or rent on a recurring basis with no direct debit and no stored card: principle, advantages, limits, good practices.","md",[179,182,185],{"q":180,"a":181},"Can you make a recurring payment without debiting the customer's account?","Yes. The principle is to automatically generate an invoice at each due date and let the customer pay it by bank transfer. Regularity comes from the automation of invoices and reminders.",{"q":183,"a":184},"What is the main drawback of a recurring transfer?","Payment depends on an action by the customer at each due date: the risk of forgetting is higher than with a direct debit. It is reduced with automatic reminders and follow-ups.",{"q":186,"a":187},"Can the customer stop the subscription?","On virement.tn, yes: they can suspend their subscription from their space.","Recurring payments without direct debit: how it works","paiement-recurrent-sans-prelevement-automatique",{},true,"\u002Fen\u002Fblog\u002Frecurring-payments-without-direct-debit","---\nkey: \"paiement-recurrent-sans-prelevement-automatique\"\ntitle: \"Recurring payments without direct debit\"\nh1: \"Recurring payments without direct debit: how it works\"\ndescription: \"Collecting subscriptions, membership fees or rent on a recurring basis with no direct debit and no stored card: principle, advantages, limits, good practices.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Recurring payments\"\nreadingTime: 5\nfaq:\n  - q: \"Can you make a recurring payment without debiting the customer's account?\"\n    a: \"Yes. The principle is to automatically generate an invoice at each due date and let the customer pay it by bank transfer. Regularity comes from the automation of invoices and reminders.\"\n  - q: \"What is the main drawback of a recurring transfer?\"\n    a: \"Payment depends on an action by the customer at each due date: the risk of forgetting is higher than with a direct debit. It is reduced with automatic reminders and follow-ups.\"\n  - q: \"Can the customer stop the subscription?\"\n    a: \"On virement.tn, yes: they can suspend their subscription from their space.\"\n---\n\nWhen people talk about recurring payments, they almost always think of direct debit: the customer gives an authorization once, then their account is debited at each due date. It is convenient for the collector, less so for the customer, and not every organization can set it up.\n\nThere is another approach: **a subscription that generates the invoices, and a bank transfer from the customer at each due date**.\n\n## The principle\n\n1. A **subscription** is created: customer, label, frequency (monthly, quarterly, annual), start date and optional end date.\n2. At each due date, an **invoice** is issued automatically, on its date.\n3. The customer **pays it by bank transfer** from their bank.\n4. The bank confirms, the invoice moves to “paid”, the issuer is notified.\n5. If nothing arrives, the delay is detected and the customer is **chased**.\n\nThis is how [virement.tn recurring payments](\u002Fen\u002Frecurring-payments) work: up to 24 installments can be generated in advance, and the customer is notified at each due date.\n\n## The advantages\n\n- **No sensitive data to store**: no card number, no direct-debit mandate. Only the destination RIB is involved.\n- **The customer stays in control**: they trigger each payment and can suspend their subscription.\n- **A payment attached to an invoice**: no more manual reconciliation.\n- **Usable without any specific banking arrangement** on the organization's part.\n\n## The limits, honestly\n\n- **Payment is not guaranteed on the date.** If the customer forgets, the transfer arrives late — hence the importance of reminders and follow-ups.\n- **Less suited** to services where immediate interruption in case of non-payment is critical and where automatic payment is essential.\n\n## Good practices\n\n- **Remind before the due date**: a simple reminder avoids a good share of oversights.\n- **Set a ceiling** on the automatically confirmed amount: for a customer already committed, invoices under this ceiling are confirmed with no new code.\n- **Set the delay rules in advance**: tolerance period, follow-ups, consequence of prolonged non-payment.\n- **Choose the right frequency**: monthly for current charges, quarterly or annual for premiums and membership fees.\n\n## When to prefer an installment plan?\n\nIf the total is known and must be settled in a defined number of installments, an [installment payment plan](\u002Fen\u002Finstallment-payments) is better suited: it has a start, an end and a total amount. For financing contracts, see [leasing](\u002Fen\u002Fleasing-tunisia).\n",5,{"title":5,"description":176},"en\u002Fblog\u002Frecurring-payments-without-direct-debit","Ix56Mqk4jvo1ZZuE6vHzvtcZdE6eLVv6LmMcoTrhGaw",[199,333,522],{"id":200,"title":201,"body":202,"category":313,"date":175,"description":314,"extension":177,"faq":315,"h1":325,"key":326,"meta":327,"navigation":191,"path":328,"rawbody":329,"readingTime":194,"seo":330,"stem":331,"updated":175,"__hash__":332},"blog_en\u002Fen\u002Fblog\u002Fsetting-up-installment-payments.md","Setting up installment payments",{"type":7,"value":203,"toc":303},[204,207,211,214,218,225,229,240,249,269,273,276,280,283,287,294],[10,205,206],{},"Offering payment in several installments can make the difference between a closed sale and a lost one. But a poorly framed schedule quickly becomes a source of non-payment. Here is how to set it up properly.",[22,208,210],{"id":209},"_1-decide-what-you-agree-to-spread","1. Decide what you agree to spread",[10,212,213],{},"Not everything can be spread. Set simple rules: from what amount? For which customers? Over what maximum duration? These rules avoid negotiating case by case and protect your cash flow.",[22,215,217],{"id":216},"_2-choose-the-number-of-installments-and-the-frequency","2. Choose the number of installments and the frequency",[10,219,220,221,224],{},"The right compromise is the shortest schedule your customer can afford. On virement.tn, a plan has ",[17,222,223],{},"from 2 to 36 installments",", monthly, quarterly or annual. Align the frequency with your customer's income (monthly for an employee, quarterly for a seasonal business, for example).",[22,226,228],{"id":227},"_3-get-an-explicit-agreement","3. Get an explicit agreement",[10,230,231,232,235,236,239],{},"A schedule only has value if the customer has clearly accepted it: amount, number of installments, dates. On ",[64,233,234],{"href":157},"virement.tn",", the customer validates the plan with their ",[17,237,238],{},"validation code",", which makes their consent traceable.",[22,241,243,244,248],{"id":242},"_4-plan-for-delay-before-it-happens","4. Plan for delay ",[245,246,247],"em",{},"before"," it happens",[74,250,251,257,263],{},[30,252,253,256],{},[17,254,255],{},"Possible penalty",": if you apply one, define it from the start (daily rate or fixed amount) and inform the customer.",[30,258,259,262],{},[17,260,261],{},"Default threshold",": after how many days late is the plan considered in default?",[30,264,265,268],{},[17,266,267],{},"Flexibility",": decide in advance whether you accept postponing an installment or revising its amount.",[22,270,272],{"id":271},"_5-make-paying-simple","5. Make paying simple",[10,274,275],{},"Each installment must be easy to pay: a clear amount, a date, a safe destination RIB. With virement.tn, each installment is an invoice that the customer pays by a bank transfer from their bank, to your verified RIB — no card, no direct debit.",[22,277,279],{"id":278},"_6-track-without-spending-your-days-on-it","6. Track without spending your days on it",[10,281,282],{},"A schedule cannot be tracked by hand beyond a few files. You need a dashboard that shows what is paid, what is coming and what is late, and automatic reminders: the platform sends a reminder before the due date and follow-ups in case of delay.",[22,284,286],{"id":285},"what-virementtn-does-not-do","What virement.tn does not do",[10,288,289,290,293],{},"virement.tn ",[17,291,292],{},"does not advance the money and does not grant credit",". It is you who decide to spread payments; the platform organizes and tracks the schedule. The customer can, if they wish, pay an installment early.",[10,295,296,297,299,300,20],{},"For a financing contract with collections tracking, see the ",[64,298,163],{"href":162}," page. For installments that recur with no defined end (subscription, membership fee), see ",[64,301,302],{"href":66},"recurring payments",{"title":165,"searchDepth":166,"depth":166,"links":304},[305,306,307,308,310,311,312],{"id":209,"depth":169,"text":210},{"id":216,"depth":169,"text":217},{"id":227,"depth":169,"text":228},{"id":242,"depth":169,"text":309},"4. Plan for delay before it happens",{"id":271,"depth":169,"text":272},{"id":278,"depth":169,"text":279},{"id":285,"depth":169,"text":286},"Installment payments","Offering installment payments: set the amount and installments, get the customer's agreement, plan for delays and track the schedule.",[316,319,322],{"q":317,"a":318},"Is an installment payment a loan?","Not necessarily. When the organization itself grants a payment schedule to its customer, it is a commercial arrangement and not credit granted by a financial institution. The rules that apply depend on your activity: if in doubt, seek professional advice.",{"q":320,"a":321},"How many installments should you offer?","As few as possible while remaining manageable for the customer. The longer the schedule, the greater the risk of non-payment and the tracking workload.",{"q":323,"a":324},"How can you be sure the customer has accepted the plan?","By obtaining explicit, recorded consent. On virement.tn, the customer validates the plan with their validation code.","Setting up installment payments: a guide for organizations","mettre-en-place-un-paiement-par-facilite",{},"\u002Fen\u002Fblog\u002Fsetting-up-installment-payments","---\nkey: \"mettre-en-place-un-paiement-par-facilite\"\ntitle: \"Setting up installment payments\"\nh1: \"Setting up installment payments: a guide for organizations\"\ndescription: \"Offering installment payments: set the amount and installments, get the customer's agreement, plan for delays and track the schedule.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Installment payments\"\nreadingTime: 5\nfaq:\n  - q: \"Is an installment payment a loan?\"\n    a: \"Not necessarily. When the organization itself grants a payment schedule to its customer, it is a commercial arrangement and not credit granted by a financial institution. The rules that apply depend on your activity: if in doubt, seek professional advice.\"\n  - q: \"How many installments should you offer?\"\n    a: \"As few as possible while remaining manageable for the customer. The longer the schedule, the greater the risk of non-payment and the tracking workload.\"\n  - q: \"How can you be sure the customer has accepted the plan?\"\n    a: \"By obtaining explicit, recorded consent. On virement.tn, the customer validates the plan with their validation code.\"\n---\n\nOffering payment in several installments can make the difference between a closed sale and a lost one. But a poorly framed schedule quickly becomes a source of non-payment. Here is how to set it up properly.\n\n## 1. Decide what you agree to spread\n\nNot everything can be spread. Set simple rules: from what amount? For which customers? Over what maximum duration? These rules avoid negotiating case by case and protect your cash flow.\n\n## 2. Choose the number of installments and the frequency\n\nThe right compromise is the shortest schedule your customer can afford. On virement.tn, a plan has **from 2 to 36 installments**, monthly, quarterly or annual. Align the frequency with your customer's income (monthly for an employee, quarterly for a seasonal business, for example).\n\n## 3. Get an explicit agreement\n\nA schedule only has value if the customer has clearly accepted it: amount, number of installments, dates. On [virement.tn](\u002Fen\u002Finstallment-payments), the customer validates the plan with their **validation code**, which makes their consent traceable.\n\n## 4. Plan for delay *before* it happens\n\n- **Possible penalty**: if you apply one, define it from the start (daily rate or fixed amount) and inform the customer.\n- **Default threshold**: after how many days late is the plan considered in default?\n- **Flexibility**: decide in advance whether you accept postponing an installment or revising its amount.\n\n## 5. Make paying simple\n\nEach installment must be easy to pay: a clear amount, a date, a safe destination RIB. With virement.tn, each installment is an invoice that the customer pays by a bank transfer from their bank, to your verified RIB — no card, no direct debit.\n\n## 6. Track without spending your days on it\n\nA schedule cannot be tracked by hand beyond a few files. You need a dashboard that shows what is paid, what is coming and what is late, and automatic reminders: the platform sends a reminder before the due date and follow-ups in case of delay.\n\n## What virement.tn does not do\n\nvirement.tn **does not advance the money and does not grant credit**. It is you who decide to spread payments; the platform organizes and tracks the schedule. The customer can, if they wish, pay an installment early.\n\nFor a financing contract with collections tracking, see the [leasing](\u002Fen\u002Fleasing-tunisia) page. For installments that recur with no defined end (subscription, membership fee), see [recurring payments](\u002Fen\u002Frecurring-payments).\n",{"title":201,"description":314},"en\u002Fblog\u002Fsetting-up-installment-payments","leXq-xiw44Vyu19y_B8aoN4wrZD2Vh1ZTCDKhP7A3G4",{"id":334,"title":335,"body":336,"category":501,"date":175,"description":502,"extension":177,"faq":503,"h1":513,"key":514,"meta":515,"navigation":191,"path":516,"rawbody":517,"readingTime":518,"seo":519,"stem":520,"updated":175,"__hash__":521},"blog_en\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification.md","Tunisian RIB: structure, IBAN and verification",{"type":7,"value":337,"toc":495},[338,341,345,352,418,425,429,436,443,447,473,477,488],[10,339,340],{},"The RIB (bank account identifier) identifies an account. Knowing it lets you receive a transfer; checking it prevents a payment from going to the wrong place.",[22,342,344],{"id":343},"how-a-tunisian-rib-is-built","How a Tunisian RIB is built",[10,346,347,348,351],{},"A Tunisian RIB has ",[17,349,350],{},"20 digits",", broken down as follows:",[353,354,355,371],"table",{},[356,357,358],"thead",{},[359,360,361,365,368],"tr",{},[362,363,364],"th",{},"Part",[362,366,367],{},"Number of digits",[362,369,370],{},"Role",[372,373,374,386,397,408],"tbody",{},[359,375,376,380,383],{},[377,378,379],"td",{},"Bank code",[377,381,382],{},"2",[377,384,385],{},"Identifies the bank",[359,387,388,391,394],{},[377,389,390],{},"Branch code",[377,392,393],{},"3",[377,395,396],{},"Identifies the branch",[359,398,399,402,405],{},[377,400,401],{},"Account number",[377,403,404],{},"13",[377,406,407],{},"Identifies the account",[359,409,410,413,415],{},[377,411,412],{},"RIB key",[377,414,382],{},[377,416,417],{},"Checks the consistency of the previous digits",[10,419,420,421,424],{},"Internationally, the ",[17,422,423],{},"IBAN"," is used: the letters “TN”, two check digits, then the 20 digits of the RIB.",[22,426,428],{"id":427},"what-the-key-is-for","What the key is for",[10,430,431,432,435],{},"The key is calculated from the other 18 digits using a modulo-97 type of check. In practice, a simple ",[17,433,434],{},"typing error"," (one changed digit, two swapped digits) is almost always detected when the key is recalculated.",[10,437,438,439,442],{},"What the key does not do: it says nothing about the account ",[17,440,441],{},"holder",", nor about the identity of the person who gave you the RIB. A RIB can be perfectly valid and yet not be that of the person you want to pay.",[22,444,446],{"id":445},"checking-a-rib-before-paying","Checking a RIB before paying",[74,448,449,455,461,467],{},[30,450,451,454],{},[17,452,453],{},"Compare the holder's name"," with the person or company to be paid.",[30,456,457,460],{},[17,458,459],{},"Confirm any change of RIB through a second channel"," (a call, a meeting): it is the most common fraud on invoices.",[30,462,463,466],{},[17,464,465],{},"Copy, don't retype",": copy-pasting from a trusted document reduces typing errors.",[30,468,469,472],{},[17,470,471],{},"For a large first payment",", some organizations start with a small test transfer before the full amount.",[22,474,476],{"id":475},"why-virementtn-verifies-organizations-ribs","Why virement.tn verifies organizations' RIBs",[10,478,479,480,483,484,487],{},"A wrong or diverted RIB means money going to the wrong person — or an invoice that will never be paid. On ",[64,481,234],{"href":482},"\u002Fen\u002Fhow-it-works",", an organization must have ",[17,485,486],{},"at least one verified RIB"," checked by the team before it can issue an invoice. Its customers thus know that the destination account has been checked.",[10,489,490,491,20],{},"For the basics of the payment itself, read our ",[64,492,494],{"href":493},"\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","guide to bank transfers in Tunisia",{"title":165,"searchDepth":166,"depth":166,"links":496},[497,498,499,500],{"id":343,"depth":169,"text":344},{"id":427,"depth":169,"text":428},{"id":445,"depth":169,"text":446},{"id":475,"depth":169,"text":476},"Bank transfers","How a Tunisian RIB is built (20 digits), the link with the IBAN, what the key is for, and how to check a RIB before issuing or receiving a transfer.",[504,507,510],{"q":505,"a":506},"How many digits does a Tunisian RIB have?","20 digits: 2 for the bank code, 3 for the branch code, 13 for the account number and 2 for the RIB key.",{"q":508,"a":509},"What is the difference between the RIB and the IBAN?","The IBAN is the international format of the account number. For Tunisia, it is made up of the letters TN, two check digits, then the 20 digits of the RIB.",{"q":511,"a":512},"Is the RIB key enough to guarantee that the account is the right one?","No. It detects typing errors, not a deliberate substitution of the RIB. For a large amount or a new beneficiary, confirm the RIB through a second channel.","Tunisian RIB: structure, IBAN and verification before a transfer","rib-tunisien-structure-et-verification",{},"\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification","---\nkey: \"rib-tunisien-structure-et-verification\"\ntitle: \"Tunisian RIB: structure, IBAN and verification\"\nh1: \"Tunisian RIB: structure, IBAN and verification before a transfer\"\ndescription: \"How a Tunisian RIB is built (20 digits), the link with the IBAN, what the key is for, and how to check a RIB before issuing or receiving a transfer.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Bank transfers\"\nreadingTime: 4\nfaq:\n  - q: \"How many digits does a Tunisian RIB have?\"\n    a: \"20 digits: 2 for the bank code, 3 for the branch code, 13 for the account number and 2 for the RIB key.\"\n  - q: \"What is the difference between the RIB and the IBAN?\"\n    a: \"The IBAN is the international format of the account number. For Tunisia, it is made up of the letters TN, two check digits, then the 20 digits of the RIB.\"\n  - q: \"Is the RIB key enough to guarantee that the account is the right one?\"\n    a: \"No. It detects typing errors, not a deliberate substitution of the RIB. For a large amount or a new beneficiary, confirm the RIB through a second channel.\"\n---\n\nThe RIB (bank account identifier) identifies an account. Knowing it lets you receive a transfer; checking it prevents a payment from going to the wrong place.\n\n## How a Tunisian RIB is built\n\nA Tunisian RIB has **20 digits**, broken down as follows:\n\n| Part | Number of digits | Role |\n| --- | --- | --- |\n| Bank code | 2 | Identifies the bank |\n| Branch code | 3 | Identifies the branch |\n| Account number | 13 | Identifies the account |\n| RIB key | 2 | Checks the consistency of the previous digits |\n\nInternationally, the **IBAN** is used: the letters “TN”, two check digits, then the 20 digits of the RIB.\n\n## What the key is for\n\nThe key is calculated from the other 18 digits using a modulo-97 type of check. In practice, a simple **typing error** (one changed digit, two swapped digits) is almost always detected when the key is recalculated.\n\nWhat the key does not do: it says nothing about the account **holder**, nor about the identity of the person who gave you the RIB. A RIB can be perfectly valid and yet not be that of the person you want to pay.\n\n## Checking a RIB before paying\n\n- **Compare the holder's name** with the person or company to be paid.\n- **Confirm any change of RIB through a second channel** (a call, a meeting): it is the most common fraud on invoices.\n- **Copy, don't retype**: copy-pasting from a trusted document reduces typing errors.\n- **For a large first payment**, some organizations start with a small test transfer before the full amount.\n\n## Why virement.tn verifies organizations' RIBs\n\nA wrong or diverted RIB means money going to the wrong person — or an invoice that will never be paid. On [virement.tn](\u002Fen\u002Fhow-it-works), an organization must have **at least one verified RIB** checked by the team before it can issue an invoice. Its customers thus know that the destination account has been checked.\n\nFor the basics of the payment itself, read our [guide to bank transfers in Tunisia](\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia).\n",4,{"title":335,"description":502},"en\u002Fblog\u002Ftunisian-rib-structure-and-verification","FH3b51VyJyQ_8cBrvBb9kaWtH-6SIRKK3c8g4rYYVLo",{"id":523,"title":524,"body":525,"category":710,"date":175,"description":711,"extension":177,"faq":712,"h1":722,"key":723,"meta":724,"navigation":191,"path":725,"rawbody":726,"readingTime":727,"seo":728,"stem":729,"updated":175,"__hash__":730},"blog_en\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website.md","Accepting bank transfer payments on your website",{"type":7,"value":526,"toc":702},[527,530,534,557,560,564,601,605,626,630,662,666,682,690,694],[10,528,529],{},"On an online store, card payment goes through a gateway that answers “paid” or “declined” within seconds. A bank transfer works differently: it is made by the buyer in their bank, after the order. Here is how to integrate it safely.",[22,531,533],{"id":532},"what-changes-compared-with-the-card","What changes compared with the card",[74,535,536,542,551],{},[30,537,538,541],{},[17,539,540],{},"No hosted payment page, no redirect."," The buyer stays on your site.",[30,543,544,547,548,20],{},[17,545,546],{},"No immediate “paid” response."," The API call that creates the invoice answers that the order is ",[245,549,550],{},"committed",[30,552,553,556],{},[17,554,555],{},"Confirmation arrives later",", by webhook, when the buyer's bank confirms the transfer.",[10,558,559],{},"In other words: the order is released only on that webhook.",[22,561,563],{"id":562},"the-journey-in-five-steps","The journey in five steps",[27,565,566,572,578,589,595],{},[30,567,568,571],{},[17,569,570],{},"The buyer chooses “pay with virement.tn”"," on your payment page.",[30,573,574,577],{},[17,575,576],{},"Your form asks for two fields",": their phone number and their validation code (6 characters, single-use, valid for 24 h, available in their virement.tn space). This code replaces entering a card number: it proves consent.",[30,579,580,583,584,588],{},[17,581,582],{},"Your server creates the invoice"," through the API, authenticating the call with your key in the ",[585,586,587],"code",{},"X-Api-Key"," header. The response indicates that the invoice is confirmed: the order is committed.",[30,590,591,594],{},[17,592,593],{},"The buyer makes the transfer"," from their bank's app, to your verified RIB.",[30,596,597,600],{},[17,598,599],{},"The bank confirms, virement.tn sends the signed webhook"," to your server. This is the signal to release the order.",[22,602,604],{"id":603},"what-you-need-before-starting","What you need before starting",[74,606,607,613,619],{},[30,608,609,610,20],{},"An active virement.tn ",[17,611,612],{},"merchant account",[30,614,32,615,618],{},[17,616,617],{},"verified RIB",": without it, invoice creation is refused.",[30,620,621,622,625],{},"An ",[17,623,624],{},"API key",", generated from Settings → API keys (Manager role required). The key and the webhook signing secret are displayed only once: keep them on the server side.",[22,627,629],{"id":628},"mistakes-to-avoid","Mistakes to avoid",[74,631,632,638,644,650,656],{},[30,633,634,637],{},[17,635,636],{},"Releasing the order on the API response."," This is the most serious mistake: the transfer has not happened yet.",[30,639,640,643],{},[17,641,642],{},"Calling the API from the browser."," Your API key must stay on your server.",[30,645,646,649],{},[17,647,648],{},"Not verifying the webhook signature."," Without that, anyone can fake a confirmation.",[30,651,652,655],{},[17,653,654],{},"Not making processing idempotent."," As a precaution, make sure receiving the same confirmation twice breaks nothing (releasing an already released order must have no effect).",[30,657,658,661],{},[17,659,660],{},"Forgetting the “never paid” case."," Plan for expiry or cancellation of orders awaiting a transfer.",[22,663,665],{"id":664},"why-offer-bank-transfer-in-addition-to-the-card","Why offer bank transfer in addition to the card",[74,667,668,673,679],{},[30,669,670],{},[17,671,672],{},"No card fees.",[30,674,675,678],{},[17,676,677],{},"No card data"," to handle or protect.",[30,680,681],{},"A natural option for customers who prefer not to enter their card online.",[10,683,684,685,689],{},"You don't have to choose: bank transfer can complement the card. Our comparison of ",[64,686,688],{"href":687},"\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit","bank transfer, card or direct debit"," helps you decide according to your sales.",[22,691,693],{"id":692},"to-go-further","To go further",[10,695,696,697,701],{},"The ",[64,698,700],{"href":699},"\u002Fen\u002Fapi-integration","integration page"," summarizes the principle. The full technical reference — endpoints, formats, sandbox environment — is provided directly to partners during integration.",{"title":165,"searchDepth":166,"depth":166,"links":703},[704,705,706,707,708,709],{"id":532,"depth":169,"text":533},{"id":562,"depth":169,"text":563},{"id":603,"depth":169,"text":604},{"id":628,"depth":169,"text":629},{"id":664,"depth":169,"text":665},{"id":692,"depth":169,"text":693},"Developers","Integrating bank transfer payment into an online store: buyer journey, invoice creation via API, confirmation webhook and mistakes to avoid.",[713,716,719],{"q":714,"a":715},"When should you release an order paid by bank transfer?","When the confirmation webhook is received, never on the response to the invoice-creation call. At the end of that call, the order is committed but not yet paid.",{"q":717,"a":718},"Does the buyer have to enter a card number?","No. They provide their phone number and a validation code found in their virement.tn space, then pay by bank transfer from their bank.",{"q":720,"a":721},"How long does a validation code stay valid?","24 hours. It is single-use.","Accepting bank transfer payments on your e-commerce site","accepter-le-paiement-par-virement-sur-votre-site",{},"\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website","---\nkey: \"accepter-le-paiement-par-virement-sur-votre-site\"\ntitle: \"Accepting bank transfer payments on your website\"\nh1: \"Accepting bank transfer payments on your e-commerce site\"\ndescription: \"Integrating bank transfer payment into an online store: buyer journey, invoice creation via API, confirmation webhook and mistakes to avoid.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Developers\"\nreadingTime: 6\nfaq:\n  - q: \"When should you release an order paid by bank transfer?\"\n    a: \"When the confirmation webhook is received, never on the response to the invoice-creation call. At the end of that call, the order is committed but not yet paid.\"\n  - q: \"Does the buyer have to enter a card number?\"\n    a: \"No. They provide their phone number and a validation code found in their virement.tn space, then pay by bank transfer from their bank.\"\n  - q: \"How long does a validation code stay valid?\"\n    a: \"24 hours. It is single-use.\"\n---\n\nOn an online store, card payment goes through a gateway that answers “paid” or “declined” within seconds. A bank transfer works differently: it is made by the buyer in their bank, after the order. Here is how to integrate it safely.\n\n## What changes compared with the card\n\n- **No hosted payment page, no redirect.** The buyer stays on your site.\n- **No immediate “paid” response.** The API call that creates the invoice answers that the order is *committed*.\n- **Confirmation arrives later**, by webhook, when the buyer's bank confirms the transfer.\n\nIn other words: the order is released only on that webhook.\n\n## The journey in five steps\n\n1. **The buyer chooses “pay with virement.tn”** on your payment page.\n2. **Your form asks for two fields**: their phone number and their validation code (6 characters, single-use, valid for 24 h, available in their virement.tn space). This code replaces entering a card number: it proves consent.\n3. **Your server creates the invoice** through the API, authenticating the call with your key in the `X-Api-Key` header. The response indicates that the invoice is confirmed: the order is committed.\n4. **The buyer makes the transfer** from their bank's app, to your verified RIB.\n5. **The bank confirms, virement.tn sends the signed webhook** to your server. This is the signal to release the order.\n\n## What you need before starting\n\n- An active virement.tn **merchant account**.\n- A **verified RIB**: without it, invoice creation is refused.\n- An **API key**, generated from Settings → API keys (Manager role required). The key and the webhook signing secret are displayed only once: keep them on the server side.\n\n## Mistakes to avoid\n\n- **Releasing the order on the API response.** This is the most serious mistake: the transfer has not happened yet.\n- **Calling the API from the browser.** Your API key must stay on your server.\n- **Not verifying the webhook signature.** Without that, anyone can fake a confirmation.\n- **Not making processing idempotent.** As a precaution, make sure receiving the same confirmation twice breaks nothing (releasing an already released order must have no effect).\n- **Forgetting the “never paid” case.** Plan for expiry or cancellation of orders awaiting a transfer.\n\n## Why offer bank transfer in addition to the card\n\n- **No card fees.**\n- **No card data** to handle or protect.\n- A natural option for customers who prefer not to enter their card online.\n\nYou don't have to choose: bank transfer can complement the card. Our comparison of [bank transfer, card or direct debit](\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit) helps you decide according to your sales.\n\n## To go further\n\nThe [integration page](\u002Fen\u002Fapi-integration) summarizes the principle. The full technical reference — endpoints, formats, sandbox environment — is provided directly to partners during integration.\n",6,{"title":524,"description":711},"en\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website","OXZW5oCgwQSzynxaVXjTmE62o2S7Vq_O-3wgNV-W3cs",1789922122405]