Wire transfers & Fio bank

A customer who pays by bank transfer gets a pro-forma invoice the moment the order is placed, and the real invoice the moment the money arrives. Between the two sits the bank connection, which reads the firm's Fio account and matches incoming payments by variable symbol — money is never guessed.

The flow

1. Checkout with the manual transfer gateway confirms the order and immediately issues a pro-forma invoice: its own PF- number, a variable symbol derived from it, and the firm's IBAN frozen into the document. The customer receives it by mail with the payment details spelled out; the PDF carries a PAY by square QR that any Slovak banking app scans into a pre-filled payment (see invoicing identity).
2. The connected bank account is polled every 10 minutes. An incoming credit whose variable symbol and currency fit exactly one open pro-forma is recorded as its payment.
3. A fully paid pro-forma triggers the rest without anyone touching it: the invoice is issued from the order with the payment carried over (it arrives already paid), the customer is mailed, and — for licensed products — the licence keys go out. Paying the pro-forma by hand on its document page triggers the same chain.

An underpaid pro-forma waits; nothing continues until the balance is covered. A credit that matches nothing (unknown symbol, wrong currency, or two candidates) lands in the review queue for a person to decide.

Connecting Fio

On Backoffice → Bank, paste a read-only API token from Fio internet banking (Settings → API). The token is write-only: it is verified, stored encrypted, and never shown again; leaving the field empty on a later save keeps the stored one. Disconnecting removes it.

Poll now fetches immediately — useful right after connecting, and when a customer says they have paid. Fio throttles one fetch per token per 30 seconds.

The review queue

Every unmatched credit is listed with its amount, counterparty, message and variable symbol. Matching it by hand to an open pro-forma records the payment exactly as the automatic path would — the same chain follows. Credits are remembered by their bank transaction id, so a re-poll never books the same money twice.

Per firm

The bank account, its credits and the matching all belong to one firm. A credit on one firm's account never pays another firm's pro-forma, even with a matching symbol.