[{"data":1,"prerenderedAt":815},["ShallowReactive",2],{"post:\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification":3,"related:\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification":207},{"id":4,"title":5,"body":6,"category":183,"date":184,"description":185,"extension":186,"faq":187,"h1":197,"key":198,"meta":199,"navigation":200,"path":201,"rawbody":202,"readingTime":203,"seo":204,"stem":205,"updated":184,"__hash__":206},"blog_en\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification.md","Tunisian RIB: structure, IBAN and verification",{"type":7,"value":8,"toc":174},"minimark",[9,13,18,26,92,99,103,110,117,121,149,153,166],[10,11,12],"p",{},"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.",[14,15,17],"h2",{"id":16},"how-a-tunisian-rib-is-built","How a Tunisian RIB is built",[10,19,20,21,25],{},"A Tunisian RIB has ",[22,23,24],"strong",{},"20 digits",", broken down as follows:",[27,28,29,45],"table",{},[30,31,32],"thead",{},[33,34,35,39,42],"tr",{},[36,37,38],"th",{},"Part",[36,40,41],{},"Number of digits",[36,43,44],{},"Role",[46,47,48,60,71,82],"tbody",{},[33,49,50,54,57],{},[51,52,53],"td",{},"Bank code",[51,55,56],{},"2",[51,58,59],{},"Identifies the bank",[33,61,62,65,68],{},[51,63,64],{},"Branch code",[51,66,67],{},"3",[51,69,70],{},"Identifies the branch",[33,72,73,76,79],{},[51,74,75],{},"Account number",[51,77,78],{},"13",[51,80,81],{},"Identifies the account",[33,83,84,87,89],{},[51,85,86],{},"RIB key",[51,88,56],{},[51,90,91],{},"Checks the consistency of the previous digits",[10,93,94,95,98],{},"Internationally, the ",[22,96,97],{},"IBAN"," is used: the letters “TN”, two check digits, then the 20 digits of the RIB.",[14,100,102],{"id":101},"what-the-key-is-for","What the key is for",[10,104,105,106,109],{},"The key is calculated from the other 18 digits using a modulo-97 type of check. In practice, a simple ",[22,107,108],{},"typing error"," (one changed digit, two swapped digits) is almost always detected when the key is recalculated.",[10,111,112,113,116],{},"What the key does not do: it says nothing about the account ",[22,114,115],{},"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.",[14,118,120],{"id":119},"checking-a-rib-before-paying","Checking a RIB before paying",[122,123,124,131,137,143],"ul",{},[125,126,127,130],"li",{},[22,128,129],{},"Compare the holder's name"," with the person or company to be paid.",[125,132,133,136],{},[22,134,135],{},"Confirm any change of RIB through a second channel"," (a call, a meeting): it is the most common fraud on invoices.",[125,138,139,142],{},[22,140,141],{},"Copy, don't retype",": copy-pasting from a trusted document reduces typing errors.",[125,144,145,148],{},[22,146,147],{},"For a large first payment",", some organizations start with a small test transfer before the full amount.",[14,150,152],{"id":151},"why-virementtn-verifies-organizations-ribs","Why virement.tn verifies organizations' RIBs",[10,154,155,156,161,162,165],{},"A wrong or diverted RIB means money going to the wrong person — or an invoice that will never be paid. On ",[157,158,160],"a",{"href":159},"\u002Fen\u002Fhow-it-works","virement.tn",", an organization must have ",[22,163,164],{},"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.",[10,167,168,169,173],{},"For the basics of the payment itself, read our ",[157,170,172],{"href":171},"\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","guide to bank transfers in Tunisia",".",{"title":175,"searchDepth":176,"depth":176,"links":177},"",3,[178,180,181,182],{"id":16,"depth":179,"text":17},2,{"id":101,"depth":179,"text":102},{"id":119,"depth":179,"text":120},{"id":151,"depth":179,"text":152},"Bank transfers","2026-09-19","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.","md",[188,191,194],{"q":189,"a":190},"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":192,"a":193},"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":195,"a":196},"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",{},true,"\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":5,"description":185},"en\u002Fblog\u002Ftunisian-rib-structure-and-verification","FH3b51VyJyQ_8cBrvBb9kaWtH-6SIRKK3c8g4rYYVLo",[208,383,593],{"id":209,"title":210,"body":211,"category":183,"date":184,"description":364,"extension":186,"faq":365,"h1":375,"key":376,"meta":377,"navigation":200,"path":171,"rawbody":378,"readingTime":379,"seo":380,"stem":381,"updated":184,"__hash__":382},"blog_en\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia.md","Making a bank transfer in Tunisia: the guide",{"type":7,"value":212,"toc":357},[213,216,220,249,253,292,296,326,330,333,337],[10,214,215],{},"A bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.",[14,217,219],{"id":218},"what-you-need-before-you-start","What you need before you start",[122,221,222,231,237,243],{},[125,223,224,227,228,173],{},[22,225,226],{},"The beneficiary's RIB",", 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the ",[157,229,230],{"href":201},"Tunisian RIB",[125,232,233,236],{},[22,234,235],{},"The beneficiary's name",", to check that the account matches the person or company you want to pay.",[125,238,239,242],{},[22,240,241],{},"The amount",", in Tunisian dinars (TND).",[125,244,245,248],{},[22,246,247],{},"A reference",": invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.",[14,250,252],{"id":251},"the-steps","The steps",[254,255,256,262,268,274,280,286],"ol",{},[125,257,258,261],{},[22,259,260],{},"Choose the channel"," offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.",[125,263,264,267],{},[22,265,266],{},"Add the beneficiary"," by entering their RIB, or select them if they are already saved.",[125,269,270,273],{},[22,271,272],{},"Enter the amount"," and the reference.",[125,275,276,279],{},[22,277,278],{},"Re-read before confirming",": RIB, beneficiary name, amount. This is the cheapest moment to correct anything.",[125,281,282,285],{},[22,283,284],{},"Confirm"," following your bank's procedure (code, authentication, signature).",[125,287,288,291],{},[22,289,290],{},"Keep the receipt",": it proves the date and the amount of your payment.",[14,293,295],{"id":294},"the-most-common-mistakes","The most common mistakes",[122,297,298,308,314,320],{},[125,299,300,303,304,307],{},[22,301,302],{},"A swapped digit in the RIB."," The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the ",[157,305,306],{"href":201},"dedicated article",").",[125,309,310,313],{},[22,311,312],{},"A RIB obtained through an unsafe channel."," Be wary of a RIB change announced by message: confirm it another way before paying.",[125,315,316,319],{},[22,317,318],{},"No reference."," The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.",[125,321,322,325],{},[22,323,324],{},"Forgetting to confirm the payment to the beneficiary."," A confirmed transfer is not necessarily credited yet.",[14,327,329],{"id":328},"fees-limits-timing-ask-your-bank","Fees, limits, timing: ask your bank",[10,331,332],{},"Fees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.",[14,334,336],{"id":335},"and-if-you-are-the-one-collecting","And if you are the one collecting?",[10,338,339,340,344,345,348,349,352,353,356],{},"Receiving a transfer is simple, but knowing ",[341,342,343],"em",{},"which invoice"," it settles and ",[341,346,347],{},"when"," it arrived is less so. With ",[157,350,160],{"href":351},"\u002Fen\u002Fbank-transfer-tunisia",", you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the ",[157,354,355],{"href":159},"how it works"," page.",{"title":175,"searchDepth":176,"depth":176,"links":358},[359,360,361,362,363],{"id":218,"depth":179,"text":219},{"id":251,"depth":179,"text":252},{"id":294,"depth":179,"text":295},{"id":328,"depth":179,"text":329},{"id":335,"depth":179,"text":336},"The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.",[366,369,372],{"q":367,"a":368},"What information do you need to make a transfer in Tunisia?","The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.",{"q":370,"a":371},"Can you cancel a transfer once it is confirmed?","It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.",{"q":373,"a":374},"How long does a transfer take?","It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.","How to make a bank transfer in Tunisia: a practical guide","comment-faire-un-virement-bancaire-en-tunisie",{},"---\nkey: \"comment-faire-un-virement-bancaire-en-tunisie\"\ntitle: \"Making a bank transfer in Tunisia: the guide\"\nh1: \"How to make a bank transfer in Tunisia: a practical guide\"\ndescription: \"The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Bank transfers\"\nreadingTime: 5\nfaq:\n  - q: \"What information do you need to make a transfer in Tunisia?\"\n    a: \"The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.\"\n  - q: \"Can you cancel a transfer once it is confirmed?\"\n    a: \"It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.\"\n  - q: \"How long does a transfer take?\"\n    a: \"It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.\"\n---\n\nA bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.\n\n## What you need before you start\n\n- **The beneficiary's RIB**, 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the [Tunisian RIB](\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification).\n- **The beneficiary's name**, to check that the account matches the person or company you want to pay.\n- **The amount**, in Tunisian dinars (TND).\n- **A reference**: invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.\n\n## The steps\n\n1. **Choose the channel** offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.\n2. **Add the beneficiary** by entering their RIB, or select them if they are already saved.\n3. **Enter the amount** and the reference.\n4. **Re-read before confirming**: RIB, beneficiary name, amount. This is the cheapest moment to correct anything.\n5. **Confirm** following your bank's procedure (code, authentication, signature).\n6. **Keep the receipt**: it proves the date and the amount of your payment.\n\n## The most common mistakes\n\n- **A swapped digit in the RIB.** The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the [dedicated article](\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification)).\n- **A RIB obtained through an unsafe channel.** Be wary of a RIB change announced by message: confirm it another way before paying.\n- **No reference.** The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.\n- **Forgetting to confirm the payment to the beneficiary.** A confirmed transfer is not necessarily credited yet.\n\n## Fees, limits, timing: ask your bank\n\nFees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.\n\n## And if you are the one collecting?\n\nReceiving a transfer is simple, but knowing *which invoice* it settles and *when* it arrived is less so. With [virement.tn](\u002Fen\u002Fbank-transfer-tunisia), you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the [how it works](\u002Fen\u002Fhow-it-works) page.\n",5,{"title":210,"description":364},"en\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","XJCYe_21AnKhPVpxMuhReaOT_HQ73Z4z8hq6g2ojaZs",{"id":384,"title":385,"body":386,"category":572,"date":184,"description":573,"extension":186,"faq":574,"h1":584,"key":585,"meta":586,"navigation":200,"path":587,"rawbody":588,"readingTime":589,"seo":590,"stem":591,"updated":184,"__hash__":592},"blog_en\u002Fen\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website.md","Accepting bank transfer payments on your website",{"type":7,"value":387,"toc":564},[388,391,395,418,421,425,462,466,488,492,524,528,544,552,556],[10,389,390],{},"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.",[14,392,394],{"id":393},"what-changes-compared-with-the-card","What changes compared with the card",[122,396,397,403,412],{},[125,398,399,402],{},[22,400,401],{},"No hosted payment page, no redirect."," The buyer stays on your site.",[125,404,405,408,409,173],{},[22,406,407],{},"No immediate “paid” response."," The API call that creates the invoice answers that the order is ",[341,410,411],{},"committed",[125,413,414,417],{},[22,415,416],{},"Confirmation arrives later",", by webhook, when the buyer's bank confirms the transfer.",[10,419,420],{},"In other words: the order is released only on that webhook.",[14,422,424],{"id":423},"the-journey-in-five-steps","The journey in five steps",[254,426,427,433,439,450,456],{},[125,428,429,432],{},[22,430,431],{},"The buyer chooses “pay with virement.tn”"," on your payment page.",[125,434,435,438],{},[22,436,437],{},"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.",[125,440,441,444,445,449],{},[22,442,443],{},"Your server creates the invoice"," through the API, authenticating the call with your key in the ",[446,447,448],"code",{},"X-Api-Key"," header. The response indicates that the invoice is confirmed: the order is committed.",[125,451,452,455],{},[22,453,454],{},"The buyer makes the transfer"," from their bank's app, to your verified RIB.",[125,457,458,461],{},[22,459,460],{},"The bank confirms, virement.tn sends the signed webhook"," to your server. This is the signal to release the order.",[14,463,465],{"id":464},"what-you-need-before-starting","What you need before starting",[122,467,468,474,481],{},[125,469,470,471,173],{},"An active virement.tn ",[22,472,473],{},"merchant account",[125,475,476,477,480],{},"A ",[22,478,479],{},"verified RIB",": without it, invoice creation is refused.",[125,482,483,484,487],{},"An ",[22,485,486],{},"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.",[14,489,491],{"id":490},"mistakes-to-avoid","Mistakes to avoid",[122,493,494,500,506,512,518],{},[125,495,496,499],{},[22,497,498],{},"Releasing the order on the API response."," This is the most serious mistake: the transfer has not happened yet.",[125,501,502,505],{},[22,503,504],{},"Calling the API from the browser."," Your API key must stay on your server.",[125,507,508,511],{},[22,509,510],{},"Not verifying the webhook signature."," Without that, anyone can fake a confirmation.",[125,513,514,517],{},[22,515,516],{},"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).",[125,519,520,523],{},[22,521,522],{},"Forgetting the “never paid” case."," Plan for expiry or cancellation of orders awaiting a transfer.",[14,525,527],{"id":526},"why-offer-bank-transfer-in-addition-to-the-card","Why offer bank transfer in addition to the card",[122,529,530,535,541],{},[125,531,532],{},[22,533,534],{},"No card fees.",[125,536,537,540],{},[22,538,539],{},"No card data"," to handle or protect.",[125,542,543],{},"A natural option for customers who prefer not to enter their card online.",[10,545,546,547,551],{},"You don't have to choose: bank transfer can complement the card. Our comparison of ",[157,548,550],{"href":549},"\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit","bank transfer, card or direct debit"," helps you decide according to your sales.",[14,553,555],{"id":554},"to-go-further","To go further",[10,557,558,559,563],{},"The ",[157,560,562],{"href":561},"\u002Fen\u002Fapi-integration","integration page"," summarizes the principle. The full technical reference — endpoints, formats, sandbox environment — is provided directly to partners during integration.",{"title":175,"searchDepth":176,"depth":176,"links":565},[566,567,568,569,570,571],{"id":393,"depth":179,"text":394},{"id":423,"depth":179,"text":424},{"id":464,"depth":179,"text":465},{"id":490,"depth":179,"text":491},{"id":526,"depth":179,"text":527},{"id":554,"depth":179,"text":555},"Developers","Integrating bank transfer payment into an online store: buyer journey, invoice creation via API, confirmation webhook and mistakes to avoid.",[575,578,581],{"q":576,"a":577},"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":579,"a":580},"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":582,"a":583},"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":385,"description":573},"en\u002Fblog\u002Faccept-bank-transfer-payments-on-your-website","OXZW5oCgwQSzynxaVXjTmE62o2S7Vq_O-3wgNV-W3cs",{"id":594,"title":595,"body":596,"category":796,"date":184,"description":797,"extension":186,"faq":798,"h1":808,"key":809,"meta":810,"navigation":200,"path":549,"rawbody":811,"readingTime":379,"seo":812,"stem":813,"updated":184,"__hash__":814},"blog_en\u002Fen\u002Fblog\u002Fbank-transfer-card-or-direct-debit.md","Bank transfer, card or direct debit: which to choose?",{"type":7,"value":597,"toc":789},[598,601,605,625,629,717,721,741,745,769,773,784],[10,599,600],{},"There is no best payment method in the absolute: there is the one that suits your type of sale. Here is a framework to choose.",[14,602,604],{"id":603},"three-questions-to-ask-yourself","Three questions to ask yourself",[254,606,607,613,619],{},[125,608,609,612],{},[22,610,611],{},"Who triggers the payment?"," You, or the customer?",[125,614,615,618],{},[22,616,617],{},"What sensitive data do you have to handle?"," A card number, a mandate, or only a destination RIB?",[125,620,621,624],{},[22,622,623],{},"How will you know the payment has been made?"," Immediately, or after the bank's confirmation?",[14,626,628],{"id":627},"the-three-methods-at-a-glance","The three methods at a glance",[27,630,631,646],{},[30,632,633],{},[33,634,635,637,640,643],{},[36,636],{},[36,638,639],{},"Bank card",[36,641,642],{},"Direct debit",[36,644,645],{},"Bank transfer",[46,647,648,662,676,690,703],{},[33,649,650,653,656,659],{},[51,651,652],{},"Who triggers",[51,654,655],{},"The customer, on a payment page",[51,657,658],{},"The organization, after authorization",[51,660,661],{},"The customer, from their bank",[33,663,664,667,670,673],{},[51,665,666],{},"Data handled",[51,668,669],{},"Card number",[51,671,672],{},"Direct-debit authorization",[51,674,675],{},"Destination RIB",[33,677,678,681,684,687],{},[51,679,680],{},"Gateway needed",[51,682,683],{},"Yes",[51,685,686],{},"Depends on the scheme",[51,688,689],{},"No",[33,691,692,695,698,701],{},[51,693,694],{},"Confirmation",[51,696,697],{},"By the gateway",[51,699,700],{},"By the bank",[51,702,700],{},[33,704,705,708,711,714],{},[51,706,707],{},"Payer's control",[51,709,710],{},"Medium",[51,712,713],{},"Limited",[51,715,716],{},"Total",[14,718,720],{"id":719},"when-to-choose-what","When to choose what",[122,722,723,729,735],{},[125,724,725,728],{},[22,726,727],{},"Small online purchases, quick checkout",": the card remains the smoothest.",[125,730,731,734],{},[22,732,733],{},"Subscriptions where payment must be automatic",": direct debit, if you can set it up.",[125,736,737,740],{},[22,738,739],{},"Large amounts, invoices, schedules, rent, tuition",": bank transfer, because it leaves the customer in charge of their payment and attaches directly to an invoice.",[14,742,744],{"id":743},"bank-transfer-with-tracking-what-changes","Bank transfer with tracking: what changes",[10,746,747,748,750,751,754,755,759,760,764,765,173],{},"The bank transfer suffers from a historical flaw: you can't easily tell which invoice it settles or when it arrived. ",[157,749,160],{"href":351}," fills that gap: the transfer is ",[22,752,753],{},"attached to an invoice",", the bank confirms, and you are notified by app, email or webhook. The same mechanism covers ",[157,756,758],{"href":757},"\u002Fen\u002Fleasing-tunisia","leasing",", ",[157,761,763],{"href":762},"\u002Fen\u002Finstallment-payments","installment payments"," and ",[157,766,768],{"href":767},"\u002Fen\u002Frecurring-payments","recurring payments",[14,770,772],{"id":771},"key-takeaways","Key takeaways",[122,774,775,778,781],{},[125,776,777],{},"The right method depends on the amount, the frequency and your customers' habits.",[125,779,780],{},"A bank transfer with automated tracking removes most of its drawbacks for the collector.",[125,782,783],{},"You don't have to choose: offer the method suited to each situation.",[10,785,786,787,356],{},"For the details of the bank transfer journey, see the ",[157,788,355],{"href":159},{"title":175,"searchDepth":176,"depth":176,"links":790},[791,792,793,794,795],{"id":603,"depth":179,"text":604},{"id":627,"depth":179,"text":628},{"id":719,"depth":179,"text":720},{"id":743,"depth":179,"text":744},{"id":771,"depth":179,"text":772},"Collections","Comparing bank transfer, bank card and direct debit for collecting from customers: who triggers payment, sensitive data, tracking and suitable use cases.",[799,802,805],{"q":800,"a":801},"Which payment method should you choose for a large amount?","A bank transfer is often the most natural: the customer stays in control and the payment is attached to an invoice. The choice also depends on what your customers are used to.",{"q":803,"a":804},"Can you combine several payment methods?","Yes, and it is often relevant: card for small online purchases, bank transfer for large amounts and installments.",{"q":806,"a":807},"Can a bank transfer replace the card on an online store?","Yes, if your platform knows how to wait for the bank's confirmation before delivering. On virement.tn, the order is released when a confirmation webhook is received, not when the invoice is created.","Bank transfer, card or direct debit: which payment method should you choose?","virement-carte-ou-prelevement-quel-moyen-d-encaissement",{},"---\nkey: \"virement-carte-ou-prelevement-quel-moyen-d-encaissement\"\ntitle: \"Bank transfer, card or direct debit: which to choose?\"\nh1: \"Bank transfer, card or direct debit: which payment method should you choose?\"\ndescription: \"Comparing bank transfer, bank card and direct debit for collecting from customers: who triggers payment, sensitive data, tracking and suitable use cases.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Collections\"\nreadingTime: 5\nfaq:\n  - q: \"Which payment method should you choose for a large amount?\"\n    a: \"A bank transfer is often the most natural: the customer stays in control and the payment is attached to an invoice. The choice also depends on what your customers are used to.\"\n  - q: \"Can you combine several payment methods?\"\n    a: \"Yes, and it is often relevant: card for small online purchases, bank transfer for large amounts and installments.\"\n  - q: \"Can a bank transfer replace the card on an online store?\"\n    a: \"Yes, if your platform knows how to wait for the bank's confirmation before delivering. On virement.tn, the order is released when a confirmation webhook is received, not when the invoice is created.\"\n---\n\nThere is no best payment method in the absolute: there is the one that suits your type of sale. Here is a framework to choose.\n\n## Three questions to ask yourself\n\n1. **Who triggers the payment?** You, or the customer?\n2. **What sensitive data do you have to handle?** A card number, a mandate, or only a destination RIB?\n3. **How will you know the payment has been made?** Immediately, or after the bank's confirmation?\n\n## The three methods at a glance\n\n| | Bank card | Direct debit | Bank transfer |\n| --- | --- | --- | --- |\n| Who triggers | The customer, on a payment page | The organization, after authorization | The customer, from their bank |\n| Data handled | Card number | Direct-debit authorization | Destination RIB |\n| Gateway needed | Yes | Depends on the scheme | No |\n| Confirmation | By the gateway | By the bank | By the bank |\n| Payer's control | Medium | Limited | Total |\n\n## When to choose what\n\n- **Small online purchases, quick checkout**: the card remains the smoothest.\n- **Subscriptions where payment must be automatic**: direct debit, if you can set it up.\n- **Large amounts, invoices, schedules, rent, tuition**: bank transfer, because it leaves the customer in charge of their payment and attaches directly to an invoice.\n\n## Bank transfer with tracking: what changes\n\nThe bank transfer suffers from a historical flaw: you can't easily tell which invoice it settles or when it arrived. [virement.tn](\u002Fen\u002Fbank-transfer-tunisia) fills that gap: the transfer is **attached to an invoice**, the bank confirms, and you are notified by app, email or webhook. The same mechanism covers [leasing](\u002Fen\u002Fleasing-tunisia), [installment payments](\u002Fen\u002Finstallment-payments) and [recurring payments](\u002Fen\u002Frecurring-payments).\n\n## Key takeaways\n\n- The right method depends on the amount, the frequency and your customers' habits.\n- A bank transfer with automated tracking removes most of its drawbacks for the collector.\n- You don't have to choose: offer the method suited to each situation.\n\nFor the details of the bank transfer journey, see the [how it works](\u002Fen\u002Fhow-it-works) page.\n",{"title":595,"description":797},"en\u002Fblog\u002Fbank-transfer-card-or-direct-debit","5QN1X8bi0hRFkrLrUSIwdk-hPGwcqfiaH0eND6P_-Ho",1789922122437]