Insert bank detail in email if the user choose to pay with bank transfer
I solve with this code: 

&lt;?php 
$payment_method = commerce_payment_method_instance_load($commerce_order-&gt;data['payment_method']);
echo commerce_bank_transfer_bank_details($commerce_order-&gt;order_id, $payment_method); 
?&gt;


commerce_payment_method_instance_load() function need in input a string like  

'bank_transfer|commerce_payment_bank_transfer'   

and it returns a paymente method with all data [ setting included ]