Zenamu offers automatic matching of incoming bank transfer payments with your clients' orders as part of the Ultimate plan. This feature significantly simplifies payment management; you no longer need to check bank statements and mark orders as paid manually.

For a secure connection with your bank, we use the service GoCardless, which is a certified Open Banking provider in Europe and works with over 2,500 banks.

How does it work?

1. Connect your bank account to Zenamu using a secure banking interface (Open Banking)

2. Zenamu automatically downloads transactions from your account (incoming payments only - Zenamu does not have access to other details of your account)

3. The system matches payments with orders based on payment reference, amount and other data

4. Matched orders in Zenamu are automatically marked as paid

Security

The connection uses the PSD2/Open Banking standard, which is regulated by the European Union. This means:

✅ Zenamu only has access to read incoming transactions - it can never send payments from your account
✅ You never enter your bank login details into Zenamu - you log in directly on your bank's website
✅ The connection is encrypted and uses the same security as your online banking
✅ You can revoke access at any time in Zenamu settings or directly at your bank

How to connect a bank account

Go to Settings → Payments → Bank Transfer
Click the Connect Bank button
Select your bank from the list
You will be redirected to your bank's website
Log in to your online banking and confirm access
After a successful connection, you will be returned to Zenamu

Click the Connect Bank button

Select your bank from the list

You will be redirected to your bank's website

Log in to your online banking and confirm access

After a successful connection, you will be returned to Zenamu

The whole process usually takes 2-3 minutes.

Supported banks

We support most banks in European countries. The list of banks will be displayed after clicking "Connect Bank" and depends on the country where your account is registered.

How payment matching works

The system automatically checks incoming payments on your account several times a day. During each check:

Downloads new incoming transactions from the bank
Looks for matching orders based on:
- Payment reference (order number)
- Payment amount
- Other identifiers if available (RF reference, payment note)
Matches and marks orders as paid

Tip: For matching to work correctly, clients must enter the correct payment reference (order number) and pay the exact amount.

When do payments synchronise?

The system checks for new transactions automatically several times a day. The exact frequency depends on your bank - some banks allow more frequent checks than others. Most banks allow synchronisation 4-8 times per day.

In the bank account settings you can see:

Date and time of last synchronisation - when the last check occurred
Next synchronisation - approximate time of the next check

After successful payment matching, the order is automatically marked as paid.

Connection validity (90 days)

For security reasons (European PSD2 regulation), the bank connection is valid for a maximum of 90 days. After this period, you need to renew the connection.

Don't worry, you won't forget:

7 days before expiry, we'll send you an email notification
You'll see a warning with the expiry date in the settings
Renewal is simple - just click "Renew Connection" and authorize again with your bank

What if a payment doesn't match automatically?

If a payment doesn't match automatically, it could be for these reasons:

Reason	Solution
Incorrect payment reference	Match the order manually in the admin
Payment hasn't arrived yet	Wait for the next synchronization
Different amount than on the order	Check if the client paid the correct amount