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Payment Methods

Use Payment Methods to control which payment options are available in your merchant selling flows. The page has two sections: Payment Gateways and the payment method list.

Payment Gateways​

Two gateway providers can be connected, each shown as a card that opens a credentials form:

  • Midtrans — QRIS, virtual account, e-wallet, and card payments. Credentials: Merchant ID, Client Key, and Server Key (secret)
  • Stripe — international card payments. Credentials: Publishable Key and Secret Key

Both have a Production Mode switch. Leaving a secret key field blank keeps the stored key.

Midtrans payment windows​

Every Midtrans payment has a time limit. If the customer has not paid by then, the payment expires, and the order expires too and releases its stock:

MethodTime limit
QRIS and GoPay15 minutes
Virtual account bank transfer24 hours
Other methods (other e-wallets, cards, and so on)60 minutes

The clock starts when the customer picks the method and the payment is created. A customer who is late needs to start a new payment from their order. Payments created with the old 1-minute limit before this update are not changed.

Payment method list​

Methods are shown as card rows with an image, name, description, and Fee (Rp). For each method you can:

  • enable or disable it with a switch
  • change the fee through the fee input and save button (editable only while the method is active)

Manual bank transfer methods rely on the accounts registered in Bank Accounts.

Manual bank transfer and transfer proof​

With manual bank transfer, the customer transfers to your account and can then upload a photo of the transfer receipt on their order. You get a notification, and the photo appears in Sales → Detail for that order.

The payment is never confirmed automatically. After matching the proof against your bank statement, mark the order as paid with Mark as Paid. See Bank transfer proof.

On Account (Tempo)​

The On Account (Tempo) method is used for credit sales to customers who have a credit account. It does not use a gateway and the order is Paid at once. It is set up automatically when you open your first credit account, and on the online store it only appears when allowed. Requires the Pro or Enterprise plan. See Customer Credit: Setup.

Typical workflow​

  1. connect Midtrans or Stripe credentials if you use gateway payments
  2. enable only the methods the merchant is ready to accept
  3. set the fee per method where needed
  4. save the changes and test one order flow
Payment Methods page: the Midtrans and Stripe Payment Gateways cards, then the method list with on/off switches, fee inputs and save buttonsdashboard.etalasse.comKopi SenjaCUSTOMER RETENTIONChallenge RewardsCouponsMembershipMembership RewardsPoint RewardsFINANCEPayment MethodsBank AccountsWithdrawalsExpensesPayment MethodsARPayment GatewaysMidtransQRIS, VA, e-wallet & card paymentsStripeInternational card paymentsQRISQRIS · provider: midtrans1.500SaveVirtual AccountVA · provider: midtransFee: Rp 4.0004.000SaveBank Transfermanual · add bank accounts in Bank AccountsFee: Rp 00SaveCashmanualFee: Rp 00Save123
(1) Connect the Midtrans or Stripe credentials. (2) Turn a method on with its switch, then (3) change its fee and click Save; the fee can be edited only while the method is on.

(1) Connect the Midtrans or Stripe credentials. (2) Turn a method on with its switch, then (3) change its fee and click Save; the fee can be edited only while the method is on.

Before you go live​

  • enable only the methods you are ready to support
  • confirm the gateway credentials are correct and Production Mode is on for real usage
  • run a test order if possible

Common launch issues to watch for​

  • a method is enabled but the gateway credentials are incomplete
  • a manual transfer method is enabled but no bank account is registered
  • a manual transfer order is treated as paid just because the customer uploaded a proof, before the money was checked on the bank statement
  • staff assume a method is live before it has been tested in a real order flow