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Custom payment methods let you accept anything Komerza doesn’t integrate with - bank transfer, Zelle, Wise, a manual crypto address, cash on collection. You define the method, the customer follows your instructions and submits proof of payment, and you approve or reject the order yourself. They are configured in the dashboard under Online Store → Settings → Payment Methods.
Custom methods are manually settled. Komerza never sees the money, cannot confirm that payment arrived, and cannot refund it. Everything depends on you verifying payment before you approve.

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The two types

Instructions

The customer is shown text you write - bank details, a wallet address, a reference to include - and pays outside Komerza.

Redirect

The customer is sent to a URL you specify to complete payment, then returns to confirm.
Each method has a name, an icon (PNG, JPG or WebP up to 2 MB) and a sort order controlling where it appears in the checkout list.

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How the customer experience works

1

The customer selects your method at checkout

It appears alongside your other gateways, using the name and icon you set.
2

They follow your instructions or your redirect

Payment happens entirely outside Komerza.
3

They click "I have paid" and submit proof

Proof is a transaction reference, a screenshot (up to 5 MB), or both.
4

The order sits in Pending

It shows as Awaiting seller review with a Proof of Payment card on the order page.

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Approving or rejecting

Open the order under Home → Orders and review the Proof of Payment card:
  • Approve & Deliver - the order runs the normal delivery flow and becomes Delivered.
  • Reject - the order becomes Cancelled.
Verify the money actually arrived in your account before approving. Approval triggers real delivery - stock is consumed, license keys are issued, dynamic delivery webhooks fire and the customer is emailed. A screenshot is not proof of settlement.
Turn on the Order Pending notification under Store Settings → Notifications so a submitted proof doesn’t sit unnoticed. Slow approvals are the most common complaint about manual methods.

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Refunds

Orders paid with a custom payment method can only be refunded to customer balance, because there is no gateway to reverse the charge through. Refunding the actual money is something you do yourself, through whatever channel the customer paid with. Balance refunds require your store’s customer balance feature to be enabled under Settings → Payment Options - otherwise you will see “Customer balance is not enabled for this store.” See Managing Orders for the full refund flow.

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Fees, minimums and labels

Custom methods sit alongside every other gateway in Settings → Payment Options, where you can set:
  • A per-gateway percentage and fixed fee passed on to the customer
  • A minimum order amount (never below the system floor of 0.50 in your store currency for non-crypto methods)
  • A checkout label that renames the method at checkout

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When to use a custom method - and when not to

Custom methods are the right tool for payment rails Komerza doesn’t support, low volumes, or high-trust B2B sales where you already know the buyer. They scale poorly: every order needs a human decision, and there is no automatic matching of incoming payments. If you need automated crypto acceptance rather than a manual wallet address, use a supported processor instead - see Self-Custody, NOWPayments or Heleket. For automated card payments, see Supported Payment Methods.

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Next steps

Supported Payment Methods

Every integrated gateway and cryptocurrency.

Managing Orders

Approve, deliver, refund and export orders.

Payment Method Reference

Payment method values used by the API.

Order Status Reference

What Pending, Delivered and Cancelled mean.