If the customer bears the bank charge, the full invoice amount is requested for transfer. For example, for a 100 dollar invoice and a 5 dollar bank transfer fee, the customer transfers 100 dollars to the supplier's bank, and pays 5 dollars to the customer's bank for the bank transfer fee. The total cost to the customer is 105 dollars.

If the supplier bears the bank charge, the invoice amount less the bank charge is requested for transfer. For example, for a 100 dollar invoice and a 5 dollar bank transfer fee, the customer transfers 95 dollars to the supplier's bank and pays 5 dollars to the customer's bank for the bank transfer fee. The total cost to the customer is 100 dollars.

The bank charge is based on several factors, such as:

Originating bank/branch, supplier bank/branch

Transfer priority

Bank charge type (standard or negotiated)

Currency used

Amount of payment

This form of electronic fund transfer is accomplished with a Zengin file, an electronic or paper file submitted by the customer that instructs the customer's bank to transfer funds to the supplier's bank.