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Pay by Bank in Italy for ecommerce and B2B orders

Accept bank-authorised payments from Italian customer accounts with Wallid. Add Pay by Bank to Shopify, WooCommerce or a custom checkout, and connect the payment result to the order or B2B invoice.

Pay by Bank, bonifico, MyBank and BANCOMAT Pay

A bonifico bancario is a bank transfer. An integrated Pay by Bank checkout adds the purchase journey around that transfer: an order amount, bank authorisation and a payment result for the store.

MyBank is a separate account-to-account payment service: customers approve a prefilled transfer through their bank, and the merchant receives confirmation under the MyBank service. BANCOMAT Pay is another distinct payment option, using a linked account and smartphone approval; its online purchase flow uses the customer's registered telephone number. Neither a BANCOMAT Pay wallet nor a debit-card logo establishes availability through a bank-payment-initiation checkout.

Pay by Bank, bonifico, MyBank and BANCOMAT Pay
OptionHow the customer paysWhat the merchant should compare
Manual bonificoEnters the beneficiary, IBAN, amount and payment reference in banking.Bank charges, reference errors and the work of checking receipts against orders.
MyBankChooses a participating bank and approves the prefilled transfer in banking.Participating banks, merchant agreement, confirmation and quoted fees.
BANCOMAT PaySelects the service, enters the registered phone number and approves on a smartphone.Customer enrolment, merchant acceptance, checkout integration and tariff.
Wallid Pay by BankChooses a bank and authorises the order payment through banking.Paying-account availability, order/status integration and the total charge at your basket values.

EUR merchant fees: calculate the larger order too

Wallid's standard EUR payment fee is 1% + €0.30 per successful payment. Successful refunds are charged separately at the same rate. Applicable VAT and platform fees are additional; Shopify third-party transaction fees may also apply.

EUR merchant fees: calculate the larger order too
Order valueCalculationStandard payment fee
€100€1.00 + €0.30€1.30
€2,000€20.00 + €0.30€20.30
€10,000€100.00 + €0.30€100.30

A larger bank payment still carries the percentage fee: €10,000 does not cost €0.30 to process. Compare Wallid, a manual bonifico and other checkout providers using the same order value, volume, refund assumptions and platform charges. A low bank transfer fee can make a manual bonifico cheaper in cash terms; matching payments and managing waiting orders also take work. Higher-volume terms can be discussed. See Wallid pricing.

From the Italian order to a payment result

For a €2,000 furniture order, the store needs to know which purchase the payment belongs to before arranging delivery.

From the Italian order to a payment result
StepPayment workflow
1Create the order with its amount and reference.
2The customer selects Pay by Bank, chooses their bank and authorises the payment through banking.
3Associate the payment result with that order or invoice reference.
4Apply the status your integration uses for fulfilment, while handling pending, failed or repeated attempts separately.

A banking screenshot or transfer instruction is not the same as money received. Bank authorisation, payment initiation, the status returned to the merchant and funds availability describe different events. Use the meaning of each status when deciding to release goods.

Bonifico istantaneo and international transfers

Bonifico istantaneo describes an instant euro transfer, rather than the whole checkout service. Instant-transfer speed does not establish that every bank account or checkout attempt follows the same route, or that a particular merchant notification guarantees settlement.

This page concerns EUR purchases paid from Italian bank accounts. It is not a foreign-exchange or international-remittance offer. A cross-border euro transfer within SEPA, a domestic EUR checkout and a transfer involving another currency need different commercial and operational checks; do not apply the EUR examples above to an unquoted conversion or transfer service.

B2B invoices, larger orders and company signatories

Wholesale stock, equipment and substantial service orders can make the paying account as important as the payment amount. A company buyer may use a business banking channel with a different login from the bank's personal service. Match the invoice or quotation reference to the payment and compare the fee at the full invoice value.

A business-account listing does not mean every employee can approve every purchase. The bank may apply per-payment or daily limits; the company may require two signatories or a separate internal approval. Wallid does not promise automatic multi-signer support for every corporate channel. Establish how the actual buyer's authorisation process fits the checkout before relying on it for a large order.

Specialist merchants and higher-risk payment needs

For specialist and higher-risk merchants serving Italian customers, bank-authorised checkout offers a payment route to assess alongside MyBank, cards and manual bonifico. The practical value is a payment linked to the purchase, with a defined order-status and refund workflow. Explore Wallid Pay by Bank for specialist and high-risk merchants for the broader use case.

Choose your integration

Choose your integration
Your store or ordering systemPayment workflowExplore
ShopifyConnect bank-authorised checkout with the order's payment result.Pay by Bank for Shopify
WooCommerceConnect bank payment, order status and the refund process.Pay by Bank for WooCommerce
Custom checkout or B2B portalCreate payment sessions, receive status notifications and associate payments with orders or invoices.Wallid Payment API

Bank-account connections in Italy

Explore bank-account connections for customers paying in Italy. Account types distinguish Personal and Business accounts.

Map highlighting Italy in purple, with neighbouring countries in pale grey

403 bank connections

  • Allianz Bank Financial Advisors

  • Alto Adige Banca

  • Banca Adria Colli Euganei

  • Banca Agricola Popolare di Sicilia Imprese ed Enti

  • Banca Agricola Popolare di Sicilia Privati e Famiglie

  • Banca AideXa

  • Banca Akros

  • Banca Albertini

  • Banca Albertini Corporate

  • Banca Aletti

  • Banca Alpi Marittime

  • Banca Alta Toscana Credito Cooperativo

  • Banca Arner SpA

  • Banca Cambiano 1884 S.p.A.

  • Banca Capasso Antonio

  • Banca Cassa di Risparmio di Savigliano S.p.A.

  • Banca Centro

  • Banca Centropadana

  • Banca Colli Albani e Nettuno Credito Cooperativo

  • Banca Cremasca e Mantovana

  • Banca del Fucino

  • Banca del Mezzogiorno - MedioCredito Centrale

  • Banca del Piceno

  • Banca del Piemonte

  • Banca del Sud

  • Banca Dell'Elba

  • Banca Della Valsassina

  • Banca delle terre venete

  • Banca di Andria

  • Banca di Anghiari e Stia C.C.

  • Banca di Bari e Taranto Credito Cooperativo

  • Banca di Bologna

  • BANCA DI CAGLIARI CREDITO COOPERATIVO

  • BANCA DI CREDITO COOPERATIVO DI PUTIGNANO

  • Banca di Imola Aziende

  • Banca di Imola Privati

  • Banca di Pesaro

  • Banca di Pescia e Cascina

  • Banca di Piacenza

  • Banca di Piacenza Corporate

  • Banca di Udine

  • Banca Finnat Euramerica

  • Banca Finnat Euramerica Corporate

  • Banca Galileo

  • Banca Generali

  • Banca Generali Corporate

  • Banca Ifigest SpA

  • Banca Ifis

  • Banca Investis

  • Banca Investis Corporate

  • Banca Macerata Spa

  • Banca Mediolanum

  • Banca Mediolanum Corporate

  • Banca Monte di Lucca

  • Banca Nazionale Sammarinese s.p.a.

  • Banca Passadore

  • Banca Passadore (Foreign Accounts)

  • Banca Patrimoni Sella & C.

  • Banca per il Trentino Alto Adige – Bank für Trentino-Südtirol Credito cooperativo italiano

  • Banca Popolare Cassinate

  • Banca Popolare Cortona

  • Banca Popolare del Frusinate

  • Banca Popolare del Frusinate Corporate

  • Banca Popolare del Lazio Imprese e Professionisti

  • Banca Popolare del Lazio Privati e Famiglie

  • Banca Popolare del Mediterraneo

  • Banca Popolare dell'Alto Adige

  • Banca Popolare delle Province Molisane

  • Banca Popolare di Fondi

  • Banca Popolare di Fondi Corporate

  • Banca Popolare di Puglia e Basilicata (Corporate)

  • Banca Popolare di Puglia e Basilicata (Personal)

  • Banca Popolare Di San Felice Sul Panaro

  • Banca Popolare Di San Felice Sul Panaro Corporate

  • Banca Popolare Etica

  • Banca Popolare Lajatico

  • Banca Popolare Pugliese

  • Banca Popolare Pugliese Corporate

  • Banca Popolare Valconca

  • Banca Popolare Valconca Corporate

  • Banca Popolare Vesuviana

  • Banca Prealpi Sanbiagio

  • Banca Privata Leasing

  • Banca Privata Leasing Corporate

  • Banca Profilo

  • Banca Profilo Corporate

  • Banca Progetto

  • Banca Promos

  • Banca Reale SpA

  • Banca San Francesco

  • Banca Santa Giulia S.p.A.

  • Banca Sella

  • Banca Sicana

  • Banca Sistema

  • Banca Sistema Corporate

  • Banca Stabiese

  • Banca Sviluppo

  • BANCA TEMA

  • Banca Ubae

  • Banca Valsabbina

  • Banca Valsabbina Corporate

  • Banca Veronese

  • Banca Versilia Lunigiana e Garfagnana

  • Banca Widiba

  • BancaTer Credito Cooperativo FVG

  • Banco BPM (Webank)

  • Banco BPM Imprese (YouBusinessWeb)

  • Banco BPM Privati (YouWeb)

  • Banco Desio CoRe Banking

  • Banco Desio e della Brianza Aziende (D.Business)

  • Banco Desio e della Brianza Privati e Aziende (Dweb)

  • Banco di Credito P. Azzoaglio

  • Banco di Credito P. Azzoaglio Corporate

  • Banco di Lucca

  • Banco di Lucca Corporate

  • Banco di Sardegna Imprese e Professionisti

  • Banco di Sardegna Privati

  • Banco Fiorentino-Mugello Impruneta Signa-Cred.Coop

  • Banco Marchigiano Credito Cooperativo

  • Banque Chaabi du Maroc

  • BBVA

  • BCC Abruzzese Cappelle sul Tavo

  • Bcc Abruzzi e Molise

  • BCC Agrigentino

  • BCC Agrobresciano

  • BCC Alberobello, Sammichele e Monopoli

  • BCC Alta Murgia

  • BCC Alto Tirreno

  • BCC Anagni

  • BCC Ancona e Falconara

  • BCC Appulo Lucana

  • BCC Aquara

  • BCC Avetrana

  • BCC Barlassina

  • BCC Basilicata - Credito Cooperativo di Laurenzana e Comuni Lucani

  • BCC Bene Vagienna

  • BCC Bergamasca e Orobica

  • BCC Brescia

  • BCC Brianza e Laghi

  • BCC Campania Centro CRA

  • BCC Canosa Loconia

  • BCC Caraglio-Cuneese-Riviera dei Fiori

  • BCC Casalgrasso e S. Albano Stura

  • BCC Cassano delle Murge

  • BCC Castagneto Carducci

  • BCC Castelli e Iblei

  • BCC Castelli Romani

  • BCC Centro Calabria

  • BCC Centro Emilia

  • BCC Centro Lazio

  • BCC Cherasco

  • BCC Circeo

  • BCC Conversano

  • BCC CRA di Paliano

  • BCC Credito Cooperativo Friuli

  • BCC Credito Etneo

  • BCC Degli Ulivi Terra di Bari

  • BCC del Basso Sebino

  • BCC del Garda - BCC Colli Morenici del Garda

  • BCC del Metauro

  • BCC del Valdarno

  • BCC Dell'Adriatico Teramano

  • BCC Dell'Oglio e del Serio

  • BCC della Calabria Ulteriore

  • BCC Della Valle del Trigno

  • BCC DELLE MADONIE

  • BCC Di Alba, Langhe, Roero E Del Canavese

  • BCC di Altofonte e Caccamo

  • BCC di Arborea

  • BCC di Basciano

  • BCC di Bellegra

  • BCC di Buccino e Dei Comuni Cilentani

  • BCC di Busto Garolfo e Buguggiate

  • BCC di Capaccio Paestum e Serino S.C.

  • BCC di Carate Brianza

  • BCC di Caravaggio Adda e Cremasco CR

  • BCC di Castiglione Messer Raimondo e Pianella

  • BCC di Fano

  • BCC di Filottrano - Credi

  • BCC di Gambatesa

  • BCC di Gaudiano di Lavello

  • BCC di Lezzeno

  • BCC di Milano

  • BCC di Montepaone

  • BCC di Mozzanica

  • BCC di Napoli

  • BCC di Ostra e Morro D´Alba

  • BCC di Ostra Vetere

  • BCC di Ostuni

  • BCC di Pachino

  • BCC di Pontassieve

  • BCC di Pratola Peligna

  • BCC di Roma

  • BCC di Terra D'Otranto

  • BCC di Triuggio e Della Valle del Lambro

  • BCC DI VENEZIA, PADOVA E ROVIGO - BANCA ANNIA

  • BCC Don Rizzo - Alcamo

  • BCC Don Stella di Resuttano

  • BCC Erchie

  • BCC Felsinea

  • BCC Flumeri

  • BCC G. Toniolo e San Michele di San Cataldo (Caltanissetta) - Societa Cooperativa

  • BCC La Riscossa di Regalbuto

  • BCC Laudense-Lodi

  • BCC Lazio Nord

  • BCC Leverano

  • BCC Locorotondo

  • BCC Longi Valle del Fitalia R.L.

  • BCC Malatestiana

  • BCC Marca

  • BCC Marina di Ginosa

  • BCC Mediocrati

  • BCC Monte Pruno

  • BCC Mutuo Soccorso di Gangi

  • BCC Pergola e Corinaldo

  • BCC Pianfei e Rocca de Baldi

  • BCC Pordenonese e Monsile

  • BCC Provincia Romana

  • BCC Ravennate, Forlivese e Imolese

  • BCC Recanati e Colmurano

  • BCC Ripatransone e Fermano

  • BCC Romagna Occidentale

  • BCC ROMAGNOLO - BCC DI CESENA E GATTEO

  • BCC S. Giovanni Rotondo

  • BCC S. Marco dei Cavoti e Sannio Calvi

  • BCC S. Marzano di S. Giuseppe

  • BCC San Giuseppe di Mussomeli

  • BCC San Michele di Caltanissetta e Pietraperzia

  • BCC Santeramo in Colle

  • BCC Sarsina

  • BCC Scafati e Cetara

  • BCC Sibillini

  • BCC Staranzano e Villesse

  • BCC Terra di Lavoro S. Vincenzo De' Paoli Scpa

  • BCC Terre Venete

  • BCC Territorio Lombardo

  • Bcc Umbria e Velino

  • BCC Valdarno Fiorentino Banca di Cascia

  • BCC Valdostana

  • BCC Valle del Torto

  • BCC Valpolicella Benaco Banca

  • BCC VENETA - CREDITO COOPERATIVO

  • BCC Vicentino Pojana Maggiore

  • BCP di Torre del Greco Imprese (BCP@corporate)

  • BCP di Torre del Greco Privati (BCP@home)

  • BDM BANCA S.p.A.

  • Blu Banca S.p.a. (Banca Sviluppo Tuscia S.p.a.)

  • Blu Banca S.p.a. (Banca Sviluppo Tuscia S.p.a.) Corporate

  • BNL - Banca Nazionale del Lavoro BNL Individui e Famiglie

  • BNL - Banca Nazionale del Lavoro Professionisti e Imprese

  • BPER Banca Digital Corporate Banking

  • BPER Banca Imprese e Professionisti

  • BPER Banca Privati

  • Buddybank

  • bunq

  • BVR Banca Veneto Centrale

  • Cassa Centrale Banca Credito Coop. Italiano

  • Cassa Centrale Raiffeisen

  • Cassa di Risparmio di Asti

  • Cassa di Risparmio di Bolzano

  • Cassa di Risparmio di Cento

  • Cassa di Risparmio di Fermo

  • Cassa di Risparmio di Fermo Corporate

  • Cassa di Risparmio di Fossano

  • Cassa di risparmio di Orvieto

  • Cassa di Risparmio di Ravenna

  • Cassa di Risparmio di Ravenna Corporate

  • Cassa di Risparmio di Volterra

  • Cassa di Sovvenzioni e Risparmio

  • Cassa Lombarda

  • Cassa Padana

  • Cassa Raiffeisen Alta Pusteria

  • Cassa Raiffeisen Alta Venosta

  • Cassa Raiffeisen Bassa Atesina

  • Cassa Raiffeisen Bassa Vall Isarco

  • Cassa Raiffeisen Bassa Venosta

  • Cassa Raiffeisen Castelrotto-Ortisei

  • Cassa Raiffeisen della Val Passiria

  • Cassa Raiffeisen della Valle Isarco

  • Cassa Raiffeisen di Brunico

  • Cassa Raiffeisen di Dobbiaco

  • Cassa Raiffeisen di Funes

  • Cassa Raiffeisen di Lagundo

  • Cassa Raiffeisen di Lasa

  • Cassa Raiffeisen di Marlengo

  • Cassa Raiffeisen di Nova Ponente-Aldino

  • Cassa Raiffeisen di Parcines

  • Cassa Raiffeisen di Scena

  • Cassa Raiffeisen di Silandro

  • Cassa Raiffeisen di Tesimo

  • Cassa Raiffeisen di Villabassa

  • Cassa Raiffeisen Etschtal

  • Cassa Raiffeisen Laces

  • Cassa Raiffeisen Lana

  • Cassa Raiffeisen Merano

  • Cassa Raiffeisen Monguelfo-Casies-Tesido

  • Cassa Raiffeisen Oltradige

  • Cassa Raiffeisen Prato-Tubre

  • Cassa Raiffeisen Selva Gardena

  • Cassa Raiffeisen Stilves-Trens

  • Cassa Raiffeisen Tirolo

  • Cassa Raiffeisen Tures Aurina

  • Cassa Raiffeisen Val Badia

  • Cassa Raiffeisen Val Sarentino

  • Cassa Raiffeisen Vandoies

  • Cassa Raiffeisen Wipptal

  • Cassa Rurale di Bolzano

  • Cassa Rurale di Salorno

  • Cassa Rurale di Ultimo-S.Pancrazio-Lauregno

  • Cassa Rurale FVG

  • CentroMarca Banca

  • Cherry Bank

  • ChiantiBanca

  • Civibank - Banca Popolare di Cividale

  • Civibank - Banca Popolare di Cividale Imprese e Professionisti

  • CR Adamello Giudicarie Valsabbia Paganella

  • CR Alta Vallagarina

  • CR Alta Valsugana

  • CR Alto Garda

  • CR Dolomiti

  • CR Ledro

  • CR Novella e Alta Anaunia

  • CR Renon

  • CR Rotaliana e Giovo

  • CR San Martino in Passiria

  • CR Val di Fiemme

  • CR Val di Non

  • CR Val di Sole

  • CR Vallagarina

  • CR Valsugana e Tesino

  • CRA Borgo S. Giacomo

  • CRA Boves

  • CRA Castellana Grotte C.C.

  • CRA Cortina d'Ampezzo

  • CRA di Binasco

  • CRA di Cantu' BCC

  • CRA di Rivarolo Mantovano

  • Credem - Credito Emiliano Imprese e Professionisti

  • Credem - Credito Emiliano Privati e Famiglie

  • Credem Euromobiliare Private Banking

  • Credit Agricole Cariparma Nowbanking Corporate

  • Credit Agricole Cariparma Piccole Imprese

  • Credit Agricole Cariparma Privati

  • Credito Lombardo Veneto

  • Credito Padano BCC

  • Credito Valtellinese

  • Credito Valtellinese Corporate

  • Deutsche Bank Corporate Banking

  • Deutsche Bank Privati e Small Business (La Mia Banca)

  • EFG Bank Luxembourg

  • Emil Banca - Credito Cooperativo

  • European Depositary Bank

  • Extrabanca

  • Extrabanca Corporate

  • Fideuram S.p.A.

  • Findomestic Banca

  • Fineco

  • Finint Private Bank S.p.A.

  • Guber Banca

  • HelloBank!

  • HSBCnet

  • Hypo Tirol Bank Ag Succursale Italia

  • IBL Banca

  • Igea Digital Bank

  • illimity

  • Imprebanca

  • Imprebanca Corporate

  • ING

  • ING Wholesale Banking (InsideBusiness)

  • Intesa Sanpaolo InBiz

  • Intesa Sanpaolo Persone, Famiglie e Business

  • Intesa Sanpaolo Private Banking

  • Istituto per il Credito Sportivo

  • Isybank S.p.A

  • Isybank S.p.A Retail

  • Mediobanca Banca di Credito Finanziario

  • Mediobanca Premier

  • Mediobanca Premier Corporate

  • Mediobanca Premier S.p.A.

  • Mediobanca Premier SME

  • Mediocredito del FVG

  • Mediocredito Trentino Alto Adige Spa

  • MPS - Banca Monte dei Paschi di Siena Persone

  • MPS - Banca Monte dei Paschi di Siena Small Business / Corporate

  • N26

  • Prader Bank S.p.A.

  • PrimaCassa Credito Cooperativo FVG

  • Revolut

  • Riviera Banca

  • RomagnaBanca

  • Schlern-Rosengarten

  • Solution Bank S.p.A.

  • The Bank Of Tokyo - Mitsubishi Ufj, Ltd.

  • Tinaba con Banca Profilo

  • Tinaba con Banca Profilo Corporate

  • Tot Money

  • Tyche Imprese

  • Tyche Privati

  • UniCredit S.p.A.

  • ViViBanca SpA

  • Volkswagen Bank

  • ZKB - TRIESTE GORIZIA

  • Zurich Bank Italia

Pay by Bank Italy FAQ

Bonifico means bank transfer. Pay by Bank adds an integrated checkout and bank-authorisation journey around an order payment, so compare how the store receives and uses its result.

No. Wallid and MyBank have separate integrations, bank reach, merchant agreements and commercial terms.

Do not assume so. BANCOMAT Pay is its own account-linked payment service with a phone-number and smartphone purchase journey. Its acceptance does not establish the availability of the same account through another checkout.

No. Compare the quoted payment fee and platform costs alongside the work of matching transfers and managing orders. Wallid's standard EUR fee includes a percentage of the full payment amount.

Transfer speed alone does not determine your order-release rule. Use the payment status and funds information supplied by the integration, with a separate process for pending attempts.

The companion list distinguishes business-account references from personal channels. The buyer's bank permissions, limits and signing requirements still determine how they can authorise a particular payment.

Yes, company banking arrangements can require multiple approvals. Do not assume a single checkout approval satisfies the buyer's mandate or that every corporate signing workflow is supported automatically.

Check the customer's bank limits and signing process and the payment setup for your order. The standard EUR payment fee on a successful €10,000 payment is €100.30 before applicable VAT and platform charges; this example is not a promised transaction limit.

Refunds can be initiated through the Merchant Portal. Successful refunds are charged separately; do not assume every bank or integration returns funds instantly.

This page addresses merchant checkout for EUR orders paid from Italian bank accounts. It does not quote foreign exchange, international remittances or transfers in other currencies.

Onboarding for your Italy checkout

During onboarding, Wallid confirms merchant eligibility, bank-account availability and the payment setup, including currency, payment route and business-account signing requirements.

Add Pay by Bank to your checkout

See how Wallid can fit your store, order values and payment volumes.

Request Demo