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Manual payment methods are offline channels where the customer pays outside of OwnPay - for example, by transferring money to your bank account, sending mobile money, or paying cash on delivery. You define the payment instructions and custom fields, and then verify the payment manually or automatically via SMS.

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What manual gateways are

Unlike API gateways (Stripe, bKash API) that process payments in real time, manual gateways rely on the customer completing the payment on their own and then submitting proof. OwnPay provides the checkout interface and tracking, but you confirm whether the payment actually arrived. Common examples:
  • Bank transfer - customer transfers to your account number and uploads a screenshot.
  • Cash on delivery (COD) - customer pays when they receive goods.
  • Mobile money with instructions - customer sends money to your phone number and enters the transaction ID.

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Create a manual gateway

  1. Go to Gateways & Currencies → Payment Gateways.
  2. Click Add Manual Gateway.
  3. Fill in the basic settings (see table below).
  4. Click Create Gateway.

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Custom fields

Define a JSON schema for the fields customers must fill at checkout. For example:
These fields appear on the checkout page after the customer selects this manual method.

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How manual payments work

  1. The customer selects the manual method at checkout.
  2. They see your payment instructions (bank account, phone number, etc.).
  3. They complete the payment on their own.
  4. They fill in the custom fields (for example enter their transaction ID).
  5. The transaction enters awaiting verification status.
  6. You review the proof and click Mark Completed or Mark Failed.
For automatic verification via SMS, see SMS verification.

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Common mistakes

Manual payments stay in “awaiting verification” until you or the SMS auto-verification system process them. Check the Transactions page regularly if you are not using SMS verification.
Last modified on August 25, 2026