Paying by International Bank Transfer: How It Works, Step by Step

Why bank transfer exists as an option

Card rails are not evenly available. Plenty of practising clinicians are in places where an international card payment to a foreign software vendor either fails outright or is not something they want to do. A bank transfer works from essentially anywhere a bank does, which is why it is offered everywhere rather than as a fallback in a few markets.

It sits alongside the local methods, it does not replace them. If an instant card or wallet option is available where you are, that will usually be the faster choice.

What you actually do

1. Choose bank transfer on the subscription or AI add-on payment screen. 2. Copy the account details shown. You get the IBAN, the SWIFT/BIC code, the bank name, the account holder name and the beneficiary country. Each field has its own copy button, because retyping an IBAN by hand is how transfers go missing. 3. Copy the transfer reference. This is the single most important field on the page — see below. 4. Make the transfer from your own bank, for the exact amount shown, in the currency shown. 5. Upload the receipt your bank gives you. Screenshot, PDF or photo all work. 6. Wait for confirmation. Your subscription activates once the payment is matched.

The reference is not optional

Every charge generates its own reference code, and it is shown alongside the account details. Put it in your transfer's reference or description field.

Without it, your money arrives in an account that receives transfers from many clinics, with a sender name that may not match your Roshtah account, for an amount that may match several pending invoices. Matching it then becomes manual work and your activation waits on it. With the reference, it is unambiguous.

How long confirmation takes

Two separate clocks, and it helps to think of them separately:

• Your bank's clock. An international transfer is not instant. Domestic transfers are usually quick; cross-border ones commonly take one to several working days depending on the corridor and the banks involved. This part is entirely outside our control.
• Our clock. Once the money and your receipt are both with us, activation is a review step, not a wait for another bank.

If you need access immediately and an instant method is available in your country, use that instead and keep bank transfer for renewals, where you can start the transfer before the period ends.

What to check before you send

• The amount matches exactly. Underpaying by the amount of your bank's fee is the single most common problem. If your bank offers a "sender pays all charges" option, choosing it avoids a shortfall.
• The currency matches what the payment screen showed.
• The account holder name matches what is displayed. If it does not, stop and contact support — do not send.

If something goes wrong

• You sent without the reference. Upload the receipt anyway and contact support; the receipt is usually enough to identify it, it just takes longer.
• You sent the wrong amount. Upload the receipt and say what happened. A shortfall is normally settled by a top-up rather than by sending everything back.
• Your receipt was rejected. Usually the image is unreadable or it is a payment instruction screenshot rather than a completed-transfer confirmation. Re-upload the confirmed one.

A note on invoices and reimbursement

Because this is a bank transfer, your bank statement is itself proof of payment, which is often what a practice's accountant or a reimbursement process actually wants. Keep the reference — it ties the statement line to the invoice.