Cash on delivery and manual methods
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Manual payment methods let shoppers order now and pay you outside the storefront: in cash to the driver, by bank transfer, or when they collect the order. You do not need a card gateway or a trade licence to offer them, so you can open your store and start selling straight away.
With a manual method the order is placed unpaid. You record the payment on the order once the money is in your hands.
Choose your payment methods#
To pick the methods your store accepts:
- Open SettingsPayments.
- Scroll to Standard Payment Methods and click each method you accept. Selected methods are highlighted.
- Check the list under Selected Methods, then save your changes with the save bar.
The standard list always includes these methods:
| Method | Shown at storefront checkout as | Use it for |
|---|---|---|
| Cash on delivery | Cash on delivery | The shopper pays the driver when the order arrives. |
| Bank Transfer | Bank transfer | The shopper sends money to your bank. You confirm it landed, then fulfil. |
| Pickup | Pay on pickup | The shopper pays when collecting the order. |
| Card (Credit/Debit) | Card, Apple Pay or Google Pay | Turns card checkout on, once a card provider is connected. |
| Cash | Not shown online | Payments you record yourself, for example in person. |
| POS terminal | Not shown online | Card payments taken on your own card machine. |
Some countries add local methods to the list. For example, a store in the Philippines also sees GCash, Maya and Check, and a store in Saudi Arabia sees STC Pay. Kartlo uses your store address to decide which extras to show.
Add a custom method#
If you accept something that is not in the list, type it under Custom Payment Methods and click Add. Custom methods are saved with your store and show in your list of selected methods. They are not offered to shoppers at storefront checkout.
If you choose nothing#
A store that has never saved a method list offers cash on delivery at checkout, and card if a card provider is connected. Once you save a list, checkout follows exactly what you selected.
What shoppers see at checkout#
On the Payment step, the shopper picks one of the methods you selected. If you also offer card, it shows alongside the manual methods.
- A mobile number is required on every order. An email is optional for manual methods.
- The shopper can add a note to the order on the same step.
- After placing the order, the shopper gets a link to their order page, and an email receipt if they gave an email.
Phone verification for manual methods#
In countries where Kartlo requires it, such as the United Arab Emirates, shoppers who choose cash on delivery, bank transfer or pay on pickup must confirm their mobile number with a 6-digit code before they can place the order. The code is sent on WhatsApp first, or by SMS. This cuts down on fake cash orders.
Orders placed after this check show a Verified buyer badge, meaning the shopper confirmed the phone number with a code before ordering.
Record the payment#
A manual order stays unpaid until you record the money. When everything on the order is fulfilled but money is still owed, the order shows Collect the payment as its next step.
To record a payment:
- Open the order from Orders.
- Go to the Payments page of the order.
- Under Record a payment, enter the Amount. It defaults to the amount still owed.
- Pick the Method, for example cash on delivery or bank transfer.
- Click Record payment.
The payment appears under Recorded payments and on the order timeline. If the amount covers the total, the order becomes paid. A smaller amount leaves it partly paid, and you can record the rest later.
Cash collected by a courier#
If you book a delivery with a connected courier, the courier can collect the cash for you. For a cash on delivery order, Kartlo tells the courier the amount still owed on the first live shipment.
When the courier pays the cash over to you, record it on the order as described above. See Shipping and delivery for courier setup.
Unpaid orders in Finance#
Manual orders that are not fully paid show in FinanceReceivables with how many days they are overdue. Use it to chase cash that has not come in. See Finance and payouts.