Bank transfer is a method of payment in e-commerce where customers transfer money from their bank account directly to the merchant's account. This method is widely used for online transactions, especially for large purchases or when credit cards are not accepted. The customer provides the necessary bank details of the merchant, and initiates the transfer through their own bank's online banking portal or in person at a branch. The funds are then transferred electronically from the customer's account to the merchant's account, typically within a few business days. This method is often preferred for its security and reliability, as there is no need to provide sensitive credit card information.
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