A (SEPA) bank transfer is a very familiar and safe way for customers to pay online. It is also very accessible: everyone with access to internet banking has the option to pay in this way. 

How does it work?

When a customer chooses to pay through SEPA bank transfer, he will receive the payment details directly on his screen or through an email. The customer then logs in to his own online banking environment and transfers the payment from there, when it’s convenient for him. When the customer chooses to receive an email, he will still be able to pay with another payment method that is activated in your website profile.

Once the payment is successful, you will receive a notification from Mollie (via the API and/or by email and SMS). So you don't have to keep an eye on your own bank account. Is the transaction incorrect? Then Mollie automatically pays it back to the customer.

Please note: If the consumer chooses 'world transfer' instead of SEPA transfer during the transfer, the bank will charge additional costs that will be deducted from the transferred amount. As a result, the amount will no longer correspond to what you should receive, which means no match can be found for the transaction. It is therefore important that the consumer chooses SEPA bank transfer. In addition, the consumer should also enter the correct payment reference. If this does not happen, no match can be found for the transaction and it is therefore unclear for whom the money is intended. The money will automatically be refunded to the consumer.


Filling out the correct payment reference and account number is of course somewhat prone to errors. We therefore also offer the possibility to simply scan a QR code and pay in this way. Does your customer have an account with ASN Bank, ING, SNS Bank, Knab or bunq and does he have the app from this bank? He can then transfer the money by scanning the QR code. The QR code won't work with ABN AMRO or Rabobank.


Read also: