Hi,
First, for anyone else reading this, note that HikaShop has a bank transfer payment method where you can provide the bank account information to the customer, so that he can do the bank transfer on his end, the "old way".
Now, regarding what you're asking depends on your payment gateway and your country.
The payment gateway for Worldline Direct (
www.hikashop.com/marketplace/product/289...ine-direct-cawl.html
) proposes instant bank transfer payments like you describe for a big part of the EU, and support all the main banks :
docs.direct.worldline-solutions.com/en/p...ethods-and-features/
Also, it supports many other payment methods.