CartModules: e-Transfer Payment Method

Accept bank e-transfers without credit card processing fees — worldwide, with QR scan-to-pay and payment-proof upload

e-Transfer Payment Method lets you take money straight from your customer’s bank instead of a credit card. Your customer sends you a bank transfer at checkout (Interac e-Transfer in Canada, Zelle in the USA, PayID in Australia, PayNow in Singapore, UPI in India, and many more). You get the money in your bank, mark the order as Paid, and keep the 2–3% you would have lost to Visa or Mastercard.

Made for store owners tired of losing money to card fees, and for shoppers who like paying straight from their bank. A quick example: a customer picks e-Transfer at checkout, sees your email (or mobile number, UPI ID, or bank details) and an optional QR code to scan, sends the money from their bank app, and can upload a screenshot of the confirmation. You get the transfer, open the order in the admin, type in the transaction ID, and the order jumps to Paid — no card fees. Works on CS-Cart Store Builder and Multi-Vendor.

Which Countries This Works For

Works anywhere your customer can send money from their bank using an email, mobile number, or account number — for example:

• Canada — Interac e-Transfer
• USA — Zelle
• Australia — PayID
• Singapore — PayNow
• Hong Kong — FPS (Faster Payment System)
• India — UPI (Unified Payments Interface)
• UK — Faster Payments / Pay by Bank
• Eurozone — SEPA Instant Credit Transfer
• Sweden — Swish · Norway — Vipps · Denmark & Finland — MobilePay
• South Africa — PayShap
• Any other country with a similar instant bank transfer service

All you need is a bank account that can receive the transfer.

Key Features

• No Card Fees — money goes straight from the customer’s bank to yours
• Works Around the World — Interac, Zelle, PayID, PayNow, UPI, SEPA, Swish, Vipps, MobilePay, and any similar service
• Easy for Shoppers — they already know how to send money from their bank app; nothing new to sign up for
• QR Code for Easy Paying — upload a QR image once (UPI, PayNow, PIX, Zelle, SEPA EPC, or any bank QR) and customers scan it in their bank app
• Payment-Proof Upload — customers can attach a screenshot or PDF of their transfer at checkout; you see it on the order page and match it to your bank statement
• Automatic Status Changes — orders go to “e-Transfer sent” when placed, then to “Paid” the moment you enter the transaction ID
• Remembers Each Customer — the email or mobile they usually send from is saved and pre-filled next time
• Labels Match Your Service — pick “email”, “mobile”, “UPI ID”, or “bank account” and every label, hint, and QR caption updates to match
• Custom Checkout Message — add your own text (bank name, memo format, or anything you want)
• Three Status Choices — set the status for a new unpaid order, for when you enter the transaction ID, and for auto-cancelled orders
• Auto-Cancel Old Unpaid Orders — an optional daily job cancels orders unpaid past a number of days you choose
• Duplicate Transaction Warning — the add-on warns you if you enter the same transaction ID on two orders
• Currency Reminder — shoppers viewing your store in another currency see a note that they’ll send the amount in your main currency

How It Works

1. Your customer picks e-Transfer at checkout and enters the email, mobile, UPI ID, or bank account they’ll send from
2. They see your recipient details, your custom message (if any), and your QR code (if you uploaded one)
3. They open their bank app and send you the total, optionally adding a memo/reference and attaching a screenshot of the confirmation right at checkout
4. The order is placed and shows the “e-Transfer sent” status (or whatever you picked)
5. You get the money in your bank and open the order in the admin
6. You view the customer’s payment-proof image on the order page and check it against your bank statement
7. You enter the Transaction ID (and optionally the date and company name from your statement) and save — the order moves to Paid automatically, and a returning customer’s sender info is pre-filled next time

What Customers See at Checkout

• Clear instructions — “Send $X to store@example.com” (or your mobile / UPI ID / bank details)
• Your custom message, if you added one (bank name, memo format, etc.)
• A QR code to scan, if you uploaded one — with a caption that matches your service
• Their sender detail pre-filled if they’ve paid this way before
• An optional memo/reference field to include their order number in the bank memo
• An “attach payment proof” file picker for a screenshot or PDF, which uploads in the background as soon as they pick a file
• A currency note if they’re viewing your store in a different currency

If you haven’t filled in your recipient details yet, customers see a clear “please contact us before paying” message instead of transfer instructions — so no one ever sends money into the void.

What Admins Do

1. Open the order at Orders > View orders and view the customer’s payment-proof image (if attached), checking it against your bank statement
2. Wait until you see the e-Transfer land in your bank account
3. Enter the Transaction ID from the transfer email or your statement (optionally the date and company name)
4. Save — the order moves to Paid automatically and the customer gets a notification

Entered the wrong ID? The form stays open even after the order is Paid, so you can fix it any time. A Pending e-Transfer Payments shortcut in the Orders menu shows every order still waiting for confirmation — great for a quick morning reconcile.

Requirements

• CS-Cart Store Builder or Multi-Vendor (single or multiple storefronts) 4.6.3 or higher
• PHP 7.4 or higher (tested up to PHP 8.3)
• A bank account that can receive your country’s instant bank transfer (Interac, Zelle, PayID, PayNow, UPI, SEPA Instant, Swish, Vipps, MobilePay, or similar)
• A cron scheduler on your server if you want the optional auto-cancel feature

Installation

1. Go to Add-ons > Manage add-ons, click Manual installation, and upload the addon zip file
2. Activate the addon and enter the license key
3. Go to Administration > Payment methods, add a payment method, name it for your market (e.g. “Interac e-Transfer”, “Zelle”, “PayID”, “UPI”, “Pay by Bank”), pick e-Transfer as the processor, fill in the settings (see below), and save

Configuration Options

Customer profile: an “e-Transfer Sender Details” field is added to profiles (editable by the customer and by you in the admin) and is what gets pre-filled at checkout. Auto-cancel cron: to cancel unpaid orders after a set number of days, add the copy-ready CLI command shown on the payment method page to your server’s crontab — it runs only from the shell, so there is no URL to expose. An optional companion command (cm_etransfer.cron_purge_tmp) tidies up leftover in-progress uploads.

Where Customer Payment Proofs Are Stored

Uploaded payment proofs are saved in a protected folder that isn’t reachable through any public URL. Only the store owner (and, on Multi-Vendor, the vendor whose order it is) can view the image or PDF, and only from inside the admin order-detail page. On Apache, nothing extra is needed (an .htaccess file protects the folder). On Nginx, add a rule to your server block so proof files can’t be downloaded from a direct URL:

location ~ ^/var/uploads/cm_etransfer/ {
    deny all;
    return 403;
}

Support

For help, updates, and feature requests, contact us at www.cartmodules.com.