Manual Payment lets you accept bank transfers without any payment gateway. You add your bank account(s), your customer transfers the order total to one of them, and you confirm the payment yourself in ChatMo. It's the simplest way to get paid — no Xendit account or KYC required.
You manage it from the Payment menu in the Orders sidebar → Manual tab (Orders → Payment → Manual).
Manual vs Automatic (Xendit)
| Manual Payment | Automatic (Xendit) | |
|---|---|---|
| Setup | Just add a bank account | Connect & activate Xendit |
| How the customer pays | Transfers to your bank manually | Pays a Xendit link (VA, QRIS, card, e-wallet…) |
| Who marks it paid | You confirm manually | Updated automatically when Xendit confirms |
| Best for | Getting started, simple bank transfer | Hands-off, instant confirmation, many channels |
You can use both. Add bank accounts for manual transfer and connect Xendit for automatic payments — then pick the method per order when you create it.
Step 1 — Add a bank account
- Open
Orders → Paymentand switch to the Manual tab. - Click Add Bank (or Add Bank Account).
- Fill in:
- Bank — pick your bank from the list.
- Account Number — your bank account number.
- Account Holder Name — the name on the account.
- Click Add Bank to save.
Double-check the account number and account holder name — these are shown to your customer for the transfer, so a typo means the customer pays the wrong account.
Step 2 — Manage your bank accounts
You can add multiple bank accounts. The list shows each account with its bank, number, and holder name.
- Set as primary — mark the account that should be selected by default on new orders. There is always one primary.
- Edit — update the account number or holder name.
- Delete — remove an account you no longer use.
Step 3 — Use manual payment on an order
When you create an order, choose Manual under Payment Method and select which bank account the customer should transfer to (the primary one is pre-selected).
The order is created with payment status Unpaid, and the chosen bank details are attached to it so your customer knows exactly where to send the money.
Step 4 — Confirm the payment
Manual payments are confirmed by you. Once your customer has transferred and you've verified the funds arrived in your bank account:
- Open the order (
Orders → Order Management→ the order). - Click Mark as Paid.
- Confirm in the dialog.
The order's payment status flips to Paid.
Only mark an order as Paid after you've actually confirmed the money arrived in your bank account. Unlike Xendit, ChatMo can't verify a manual transfer for you — this step relies on your own check.
What's Next?
- Payment with Xendit — accept automatic payments with instant confirmation.
- Order Management — manage orders, statuses, and payments.
- Invoices — customize your invoice template.