Bank account transfers are widely used by businesses all around the globe. But the process of transferring money between bank accounts differs depending on the country. And if you want to add this functionality to your payment gateway you need to be aware of the peculiarities of the one or two-phase systems for professing of bank account transfers.
The diagram below describes step by step how processing of bank account transfers is organized in both systems. Additional information on this topic can be found in the respective article at Paylosophy blog.