Bank Transfer Gateway

Hallo,
Can somebody explain the logic behind this? In my view was something very simple but now I look into it and it looks defect.

I want to run only with transfer since I will handle customers in a separate crm.

Does not matter how i set it – it does not works correctly.

1. BANK Plugin ON + CALLBACK page
Payment Cancelled. Sorry but there was an error during checkout.
No money has been taken from your account.
Order vallue is saved zero – Status Paid
Listing is in status pending – cand be approved and is visible directly.

Bad user experience: error on save, order value zero and paid.

2. BANK ON + CUSTOM PAGE
No error, goes to page, No order saved, no invoice nothing saved.
listing is unpaid can be paid only if I edit manually total_price_due, Else – no.
Otherwise after approval of the listing – he appears unpaid

Bad user experience: he sees no payment, no order nothing in his account.

3. BANK ON and no page on call back NO PAGE
Goes default back to TO AD Listing – user confused
NO Order saved
listing is unpaid can be paid only if I edit manually total_price_due, Else – no.

A normal behaviour would be:
-save listing – goes to bank plugin – continue- save order status unpaid and goes to a selected page like my accpunt etc.
After he pay admin set order status – paid and listing appears paid and visible after moderation.

I am missing something?