B2B invoicing
Every invoice leaves your ERP with its own IBAN. Paid means paid, the moment the money lands.
New · Pay by bank with virtual IBANs
Pay by bank with virtual IBANs
Bank transfers that behave like card payments.
Unique virtual IBANs. Instant reconciliation. One webhook.
Paybyrd Pay by bank gives every customer, invoice or order its own virtual IBAN. When the transfer lands, in seconds over SEPA Instant or on the usual timeline over standard SEPA, it is matched automatically and a payment.received webhook fires exactly like a card payment.
Give every customer, invoice, or order its own IBAN. When the transfer lands, it matches itself, and your systems hear about it exactly the way they hear about a card payment. At a flat fee per transfer, not a percentage.
- SEPA Instant
- Any CRM or ERP via API
- Same webhooks as cards
Invoice
INV-2026-0418
Viagens Atlântico · Lisboa
Amount due
€4,200.00
Pay by bank · virtual IBAN
Not generated No IBAN yet — generate one for this invoice.
PT50 0035 0418 0000 2026 0418 7
Unique to this invoice · any reference text accepted
Your webhook · listening erp.viagens.pt/hooks
Listening. The same endpoint that receives your card events.
Illustrative simulation. Figures, names and events on this panel are generated to demonstrate the flow — they are not live production data.
- Secondsto arrive over SEPA Instant
- Auto-matchedthe IBAN is the reference — nothing to chase
- Low costper transaction — built for big tickets
- 1 webhookthe same events your card payments send
Why it matters
The reference field is where reconciliation goes to die.
One shared IBAN, a free-text reference, and a customer who types whatever they like. Finance spends the afternoon matching. Nobody knows an invoice is paid until someone looks. A virtual IBAN removes the guesswork: the account itself says who paid.
Incoming · one shared IBAN today
€4,200.00 ref: "INV 0418 thanks!!" Unmatched
€1,180.00 ref: — Unmatched
€860.00 ref: "viagens atlantico apr" Manual · 2 days
3 transfers · 0 auto-matchedfinance: the whole afternoon
Incoming · virtual IBANs with Paybyrd
€4,200.00 …0418 7 → INV-2026-0418 Matched
€1,180.00 …0421 3 → INV-2026-0421 Matched
€860.00 …0422 9 → INV-2026-0422 Matched
3 transfers · 3 auto-matched · 3 webhooks sentfinance: 0 minutes
How it works
Generate. Share. Get paid.
- 01
Generate a virtual IBAN
One API call creates an IBAN for a customer, an invoice, or an order. Thousands, if you need them.
- 02
Put it where the customer pays
Print it on the invoice from your ERP, show "Pay by bank" in your checkout, or push it into your CRM. Any reference text works, or none.
- 03
Matched and notified in seconds
The transfer arrives over SEPA Instant, matches the invoice automatically, and payment.received hits your webhook, identical to a card.
Where it fits
Built for invoices, big tickets, and B2B.
Anywhere card fees sting and a bank transfer already makes sense. Now without the reconciliation tax.
High-ticket checkout
Offer "Pay by bank" next to cards on €2,000 baskets, travel, furniture, tuition, and keep the margin.
Group & corporate bookings
Deposits and balances for hotels and travel agencies, matched to the booking without a single email.
Finance & AR teams
Close the day, every day. One ledger for cards and bank, no unallocated cash to explain.
Works with SAPOracleMoloniHost PMSYour CRMYour ERP Anything, via REST API + webhooks
For developers
Same API. Same webhooks. New rail.
If you already take cards with Paybyrd, you already have the integration. Virtual IBANs are a resource, not a project.
One endpoint
Create and list IBANs per customer, invoice, or order.
Card-style events
payment.received with the matched reference, amount, and rail.
SEPA Instant first
Seconds when the payer's bank supports it; standard SEPA transfers land too.
Sandbox included
Test your webhook in the sandbox before go-live.
POST /v1/virtual-ibans Illustrative
{
"reference": "INV-2026-0418",
"amount": 4200.00,
"currency": "EUR",
"customer": "cus_8kLm2P"
} → 201 Created
{ "iban": "PT50 0035 0418 0000 2026 0418 7", "status": "awaiting_funds" } webhook · payment.received when the transfer lands · matched: true
Field names are illustrative; the reference docs are the contract. Read the API docs
Pricing
Low cost. Per transfer.
A small fee per bank payment rather than a percentage of the basket: the bigger the ticket, the more you keep. Your rate is agreed with the sales team alongside your card pricing.
- Virtual IBAN creation
- Included
- Incoming bank payment
- Low fee per transfer
- Reconciliation & webhooks
- Included
Availability
Ready for:
- Online checkout — "Pay by bank" alongside your card and wallet methods.
- Invoices — generated per invoice or per customer and printed from your ERP.
- CRM & ERP integrations — via the REST API and webhooks, in the SEPA area.
Talk to sales about your rate
Already integrated? Ask your account manager to enable virtual IBANs.
Questions
Questions finance and developers ask before switching it on.
Is it SEPA Instant?
Yes. Our accounts fully support SEPA Instant, so transfers from banks on the instant scheme arrive in seconds. Standard SEPA credit transfers to the same IBAN land too, on the usual timeline.
How does reconciliation work without a reference?
Each virtual IBAN belongs to exactly one invoice, order, or customer. Whatever the payer types in the reference field, the money arriving on that IBAN is the match. No rules engine, no manual allocation.
One IBAN per invoice or per customer?
Either. Per invoice gives you exact matching; per customer gives repeat payers one number to save. Mix both if it suits your flow.
Do I need a new integration?
No. Virtual IBANs are created through the same REST API you already use, and payments arrive on the same webhook endpoint as your card events. Cards and bank share one ledger.
What does it cost?
A low per-transfer fee rather than a percentage, agreed with the sales team alongside your card pricing. Creating IBANs, reconciliation, and webhooks are included.
What if the customer pays the wrong amount?
The payment is still matched to its invoice or customer, and the event carries the amount received, so your system decides what happens with a partial or over-payment, exactly as with a card.
Get paid by bank. Know it instantly.
Tell us where the money comes from today: checkout, invoices, or both. We'll agree your rate and switch on virtual IBANs on your existing integration.