What are payment instructions?
Each time you create a payment request, Flywire automatically generates a Payment Instructions document with the details for that request. Always use the instructions generated for your current payment request as your reference when making the payment.
How you use the document depends on your selected payment method:
- For online payments (credit/debit cards and digital wallets): You will typically complete your payment directly on the Flywire checkout page, where an on-screen message shows the payment result. Payment instructions are also generated for your records.
- For bank transfers (domestic or international): Download, save, and read your instructions before arranging the transfer through your bank. Use the exact beneficiary details, amount, currency, and payment reference shown in the document.
For region-specific payment methods, such as BPAY, follow the biller details and reference requirements shown in your instructions.
Where can I find my payment instructions?
Scroll down on your payment confirmation or tracking page to view or download your instructions.
You can also access them by:
- Selecting the tracking button in your payment request confirmation email.
- Signing in to your Flywire account, opening My Payments, and selecting the relevant payment.
If you cannot find or download your instructions, see How can I access my payment instructions?
Understanding your payment summary
At the top of your payment instructions, you will find a summary of your payment:
- You send: The amount and currency you need to send.
- Your institution will receive: The amount and currency your institution is due to receive for this payment request.
- Rate: The applicable rate, shown when your payment involves currency conversion.
When making your transfer, use the amount and currency shown under You send, which also appear in Amount and Currency to Send.
For questions about your payment total and separate bank charges, see What is included in the amount I have to pay?
What do the details in my payment instructions mean?
The Remittance Information section provides the details you need to arrange your payment. The fields and their names may vary by country and payment method. Not every field below will appear in your instructions.
| Field | What it means |
|---|---|
| Amount and Currency to Send | The amount and currency to use when making your payment. |
| Remittance Information / Reference | The reference to include so your payment can be matched to your request. Use the Flywire Payment ID or method-specific reference as instructed. |
| Transfer funds before | The deadline shown for sending your transfer. This is not an estimated delivery date.The due date follows the time zone associated with the country or region you selected under Paying from when creating your payment request. For example, if you selected China and your due date is September 23, that date is based on Beijing time. |
| Payer Name | The person making the payment. Follow any accompanying requirements about whose bank account can be used. |
| Final Recipient | The institution or organization you are paying. This may differ from the beneficiary receiving your bank transfer. |
| Beneficiary / Recipient / Beneficiary Account Name | The name of the Flywire company or partner company receiving your transfer on behalf of your institution. |
| Beneficiary / Recipient Account Number | The receiving account number to enter in your bank’s transfer form. |
| IBAN | An international bank account number. If shown, enter it where your bank asks for an IBAN. |
| Beneficiary Bank Name | The bank holding the receiving account. |
| Beneficiary / Recipient Bank Address | The address listed for the receiving bank. |
| Bank Identification Codes | Codes that identify the receiving bank or branch, such as Routing/ABA, Sort Code, SWIFT/BIC, or IFSC. Use the code provided for the corresponding field requested by your bank. |
| Account Type | The type of receiving bank account. If your bank asks for this, use the account type shown in your instructions. |
| Method-specific Details | Details required for your selected payment method, such as a BPAY Biller Code or Customer Reference. |
| Important Notes / Information Notes | Additional requirements for your payment, which may cover the sending account, required documents, transfer amount, or processing information. |
What if my bank uses different field names?
Your bank may use Recipient instead of Beneficiary, or Recipient account number instead of Beneficiary account number.
When completing the transfer form, remember:
- The account number or IBAN identifies the account receiving your transfer.
- A bank identification code identifies the receiving bank or branch.
- Your Flywire Payment ID identifies your payment request and is used as a payment reference when instructed.
These details serve different purposes and cannot replace one another.
If your bank asks for information that is not listed, or you are unsure which detail to enter, please contact your bank or Flywire Support before sending the transfer.
What if my instructions show a virtual bank account?
Use the virtual bank account shown in your instructions as the receiving account for your transfer. It is not your personal bank account.
Enter those details in your bank’s recipient or beneficiary account section. Follow the amount, currency, and payment reference provided in the same instructions.
What is the Authorization Letter?
All Flywire payment instructions include an Authorization Letter, including instructions for card payments.
The letter confirms that Flywire and its partners are authorized to collect payments on behalf of your institution. It may also include details about your institution, the authorized company, and your payment request.
Your bank may ask for supporting documents to understand the purpose of a transfer. You can share the Authorization Letter to explain Flywire’s role in collecting your payment.
Payment instructions and the Authorization Letter are not payment receipts. Receiving these documents does not mean funds have been sent or received. Check your tracking page for the latest payment status.
Where can I find Flywire’s contact details?
You can find Flywire Support contact information at the bottom of the Remittance Information page. The contact details shown may vary by region.
If you need help understanding your instructions, please contact Flywire Support before sending your transfer.
Where can I find more help?
- Common questions about bank transfer payment instructions — for questions about beneficiary details, bank addresses, and transfer references.
- How can I access my tracking page? — to access your payment and check its status.
- How do I cancel my payment? — for guidance on canceling a payment request.