> For the complete documentation index, see [llms.txt](https://hifunnel.gitbook.io/hifunnel-help-center/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://hifunnel.gitbook.io/hifunnel-help-center/documentation/sales/bank-transfer-sepay-vnpay-mb.md).

# Automated Bank Transfer (Sepay, VNPAY, MB Bank)

Learn how to connect automated bank transfer payment gateways including Sepay Bankhub, VNPAY, and MB Bank on Hifunnel.

Hifunnel provides automated bank transfer integration powered by **Sepay Bankhub**, **VNPAY**, and **MB Bank**. This allows your customers to purchase your Offers seamlessly using dynamic VietQR codes, while Hifunnel automatically verifies transactions and grants immediate access upon payment confirmation.

***

### How Automated Bank Transfer Works

{% stepper %}
{% step %}

#### Step 1: Customer selects Bank Transfer

At checkout, your customer chooses **Bank Transfer / VietQR Payment**.
{% endstep %}

{% step %}

#### Step 2: Dynamic VietQR Code Generation

Hifunnel automatically generates a unique VietQR code containing the exact order amount and a unique transfer syntax ID.
{% endstep %}

{% step %}

#### Step 3: Instant Real-time Verification

When the customer scans and completes the payment via their banking app, Sepay/VNPAY/MB Bank sends an instant webhook notification to Hifunnel.
{% endstep %}

{% step %}

#### Step 4: Automated Order Fulfillment

Hifunnel automatically marks the order as Paid, grants access to the purchased Offer, and sends welcome credentials to the customer.
{% endstep %}
{% endstepper %}

***

### Connecting Sepay & Bank Payment Gateways

To set up automated bank transfer payment processing on your Hifunnel site:

1. Go to **Dashboard > Settings > Payment Settings**.
2. Select **Bank Transfer / VietQR**.
3. Enter your **Bank Name**, **Account Number**, and **Account Holder Name**.
4. Connect your **Sepay API Key** or **VNPAY / MB Bank Merchant ID**.
5. Click **Save Settings**.

{% hint style="info" %}
Automated bank verification requires matching payment content syntax. Hifunnel handles order matching automatically via webhooks.
{% endhint %}