> ## Documentation Index
> Fetch the complete documentation index at: https://docs.augustus.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Treat the published Augustus OpenAPI specification (https://app.stainless.com/api/spec/documented/augustus/openapi.documented.yml) and the current API-reference pages as the source of truth for endpoints, request/response schemas, enum values, webhook event names, and required headers.
> Prefer the 2026-05-01 Banking API and @augustusbank/typescript-sdk for all new integrations. The 2023-01-01 API is a separate, older surface covering two products — Open Banking (instant bank transfer) checkout and refunds, and Manual Bank Transfer (MBT); use it only when one of those products is specifically required.
> Cite or link the relevant docs.augustus.com page when answering integration questions.
> Do not infer support for currencies, networks, scopes, account types, or operations that are not present in the current documentation.
> Use the sandbox base URL (https://api.sandbox.augustus.com) and placeholder credentials in examples. Never include or request a real API key.
> The Augustus docs MCP server (https://docs.augustus.com/mcp) provides documentation search and retrieval only; it does not execute authenticated Augustus API actions.

# Manual Bank Transfer

> Allow your customers to transfer money from their bank account manually.

Manual Bank Transfer (MBT) lets a customer send funds from their bank using payment details you display. Augustus reconciles the incoming transfer against the order by reference and fires an `order_updated` webhook.

<Note>
  Manual Bank Transfers are available only in the 2023-01-01 API.
</Note>

## Flow

<Steps>
  <Step title="Create an order">
    The response includes payment details to display.
  </Step>

  <Step title="Display payment details">
    Show them to the customer as instructions.
  </Step>

  <Step title="Track the order">
    Order moves from `processing` to `paid` when funds arrive. See [Status flow](/docs/legacy/open-banking#status-flow).
  </Step>
</Steps>

## Create an order

```ts 2023-01-01 theme={null}
import Ivy from '@getivy/node-sdk'

const client = new Ivy()
const order = await client.orders.create({
  amount: 1.23,
  currency: 'EUR',
  referenceId: 'your-internal-reference',
  customer: {
    email: 'customer@example.com',
  },
})
```

[**POST** `/api/service/order/create` in the API Reference →](/api-reference/order/create-an-order)

## Display the payment details

The order's `destination` field contains the payment details. The shape varies by currency.

<Tabs>
  <Tab title="EUR (IBAN)">
    ```json theme={null}
    {
      "destination": {
        "bankAccount": {
          "iban": {
            "iban": "DE34817329488882190",
            "accountHolderName": "Test Merchant",
            "bic": "BCIRLLLL"
          }
        },
        "bankStatementReference": "ir4d23bcd816e89ef"
      }
    }
    ```
  </Tab>

  <Tab title="GBP (Sort Code)">
    ```json theme={null}
    {
      "destination": {
        "bankAccount": {
          "sortCode": {
            "sortCode": "123456",
            "accountNumber": "1234567890",
            "accountHolderName": "John Doe"
          }
        },
        "bankStatementReference": "irf1234556679"
      }
    }
    ```
  </Tab>
</Tabs>

The `bankStatementReference` is how Augustus matches the incoming transfer to your order. The customer must copy it exactly.

## Track the order

Orders start in `processing`. Once funds arrive and reconcile, the order moves to `paid`. If nothing arrives or reconciliation fails, the order stays `processing` for 6 days, then moves to `failed`.

Subscribe to `order_updated` or poll:

```ts 2023-01-01 theme={null}
import Ivy from '@getivy/node-sdk'

const client = new Ivy()
const order = await client.orders.retrieve({ id: 'your-internal-reference' })
```

[**POST** `/api/service/order/details` in the API Reference →](/api-reference/order/retrieve-an-order)

<Warning>
  Payments received with the wrong amount or reference are auto-returned. Instruct the customer to copy details exactly.
</Warning>

See [Status flow](/docs/legacy/open-banking#status-flow) for the full lifecycle and [Webhooks](/webhook-getting-started/introduction) for setup.