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.
Payments that come straight to you carry no Etalasse fee: cash, the shop's static QRIS, the shop's e-wallet number, and manual bank transfers to the shop's account. A platform fee only applies if you choose automatic online payment that confirms itself, as explained below.
What is already on in a new shop
A new shop starts with Pay on the spot (cash) switched on, so buyers can order from day one: they order from your store link, then pay when they collect the order. A Digital products shop has no payment switched on yet, so add your QRIS or bank account first.
The Add QRIS or a bank account step on the guide card invites you to add a way to pay other than cash. That step is optional.
Your own QRIS, e-wallet and bank account
For manual methods (your shop's QRIS, an e-wallet number and the like), fill in the payment details right on this page, in the web Dashboard or the Dashboard app. Turning on a method whose details are still empty opens the form ("Add where buyers pay you first, then … turns on."):
- QRIS picture
- Account / phone number and Account name
- Payment link (optional)
- Fee and Notes
Tap Save and turn on. Buyers see these details at checkout, and the money goes straight to you.
A method's switch only turns on when the method can really be used. If its details are incomplete, the Dashboard says "Not turned on yet: this option needs more details first."
Bank transfer needs a bank account
Buyers only see bank transfer in your online store once the shop has at least one account in Bank Accounts. When you turn bank transfer on with no account, the Dashboard asks you to add one right away.
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.
If you choose Etalasse's built-in automatic online payment (automatic QRIS, GoPay/ShopeePay, virtual accounts), each completed payment carries a platform fee: Rp2,000, or the payment method's own cost if higher (QRIS costs the least). If you connect your own Midtrans account here, Etalasse takes no platform fee; Midtrans bills you under your own contract with Midtrans.
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:
| Method | Time limit |
|---|---|
| QRIS and GoPay | 15 minutes |
| Virtual account bank transfer | 24 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 uses the accounts registered in Bank Accounts, and is not offered to buyers while the shop has no account.
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 Orders → 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. Available from the Growth plan. See Customer Credit: Setup.
Typical workflow
- add your QRIS, e-wallet number or bank account, or connect Midtrans or Stripe credentials if you use gateway payments
- enable only the methods the merchant is ready to accept
- set the fee per method where needed
- save the changes and test one order flow
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
- bank transfer is turned on but no bank account has been added, so buyers do not see the transfer option
- 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