syouhin no daikin wo ginkou de hurikomimasita.

商品の代金 means the price/payment for the product(s).

Breakdown:

• 商品（しょうひん） = goods, products, merchandise
• の = links nouns, like of or for
• 代金（だいきん） = price, charge, payment amount

So:

• 商品の代金 = the payment for the product
• depending on context, it can also feel like the cost of the item(s)

The particle の connects two nouns.

Here, it shows that the 代金 is related to the 商品:

• 商品 = product
• 代金 = payment / price

So 商品の代金 literally means something like:

• the product's payment
• more naturally in English: the payment for the product

This is a very common noun-connecting pattern in Japanese.

Examples:

• 日本の車 = Japanese cars / cars of Japan
• 学校の先生 = school teacher / teacher at a school
• 商品の代金 = payment for the product

を marks the direct object of the verb.

The verb here is 振り込みました from 振り込む, which means to transfer money, to make a bank payment, or to remit.

So the thing being transferred is 商品の代金.

• 商品の代金を振り込みました
• I transferred the payment for the product

That is why 代金 takes を.

振り込みました is the polite past form of 振り込む（ふりこむ）.

It usually means:

• transferred money
• made a bank transfer
• paid by bank transfer
• deposited/remitted money into an account

So in this sentence, it means the speaker paid the product fee by transferring it through a bank.

Form breakdown:

• dictionary form: 振り込む
• polite non-past: 振り込みます
• polite past: 振り込みました

Here, で marks the place or means where an action is carried out.

• 銀行で = at the bank
• so the transfer was done at/via the bank

In other words, で answers where was the action performed?

So:

• 銀行で振り込みました = made the transfer at the bank

For learners, this can feel a little like English at or sometimes using depending on context.

Usually, in this sentence, 銀行で is the natural choice.

Why?

Because で marks the location where the action happens:

• 銀行で振り込みました = I made the transfer at the bank

If you use に, it usually suggests a destination, target, or recipient instead.

For example:

• 銀行に行きました = I went to the bank

With money transfers, に is more likely to appear with the account or recipient:

• 会社の口座に振り込みました = I transferred it into the company's account
• 相手に振り込みました = I transferred it to the other party

So in your sentence:

• 銀行で = where/how the payment was made
• 口座に or 相手に = where/to whom the money was sent

Japanese often omits the subject when it is clear from context.

So even though English would often say:

• I transferred the payment
• We transferred the payment

Japanese can simply say:

• 商品の代金を銀行で振り込みました。

The subject is understood from the situation.

Possible implied subjects could be:

• I
• we
• someone already being discussed

This omission is extremely common in natural Japanese.

The sentence follows a very common Japanese pattern:

object + place/method + verb

Breakdown:

• 商品の代金を = the payment for the product(s) + object marker
• 銀行で = at the bank
• 振り込みました = transferred / paid by bank transfer

So literally it is close to:

• The product payment, at the bank, transferred.

Natural English:

• I transferred the payment for the product at the bank.
• I paid for the product by bank transfer.

Japanese normally puts the verb at the end.

It mainly indicates the place where the action happened, but in context it also strongly suggests the method.

• 銀行で振り込みました literally: made the transfer at the bank
• naturally, this implies paid via a bank transfer

So even though で is marking the location, the whole phrase often gives the sense of by bank transfer.

If you wanted to focus more directly on the method, Japanese might also use wording like:

• 銀行振込で払いました = I paid by bank transfer

But your sentence is perfectly natural and common.

振り込みました is in the polite past form.

That makes the sentence appropriate for:

• everyday polite conversation
• customer service situations
• business-related contexts
• speaking to someone you do not know well

Comparison:

• 振り込んだ = plain past, casual
• 振り込みました = polite past

Since the sentence is about paying for goods, the polite form fits very well.

Possibly, depending on context, but transferred or paid by bank transfer is usually the best interpretation here.

That is because:

• 代金 = payment/price
• 振り込む is very commonly used for sending money into an account

So with 商品の代金, the most natural reading is:

• I transferred the payment for the product
• I paid for the product by bank transfer

If the context were different, 振り込む can sometimes be translated as deposit, but in this sentence bank transfer/payment remittance is the clearer choice.