Available on every plan · Updated 12 September 2026
Also asked as: “accept bank transfer” · “customers pay into my account” · “manual bank transfer will not switch on” · “where do customers see my account number” · “order says awaiting confirmation”
Manual bank transfer is the simplest way to get paid. There is no provider, no keys and no fees to anyone but your own bank: the customer sees your account details at checkout, transfers the money, uploads proof, and you confirm the order once you see it land. It is on every plan.
The trade is your time. Nothing is confirmed automatically, so every order waits on you looking at your bank app.
1. Open Payment Methods
Go to Settings → Payments → Payment Methods. Manual Bank Transfer is the first card under Direct payments.
2. Give us the account to show customers
The switch asks for a payout account before it will move, because the details a customer transfers to are read from it. If you have not added one, the form opens right there: choose your Bank, type the ten digit Account Number, and the name on the account is looked up from the bank and shown back to you.
Save & activate stays greyed out until that name comes back, so a mistyped number is caught here rather than by a customer. Once it saves, Manual Bank Transfer switches itself on. There is more about the account on Your payout account.
3. Write your instructions, if you want any
The active card has a Payment instructions box. Whatever you write there is shown to the customer in the transfer dialog, under your account details. It is the place for "use your order number as the narration" or "we confirm transfers between 9am and 6pm". Choose Save instructions. Leaving it empty is fine.
What the customer sees
At checkout the method reads Manual Bank Transfer, described as transferring to your account and uploading proof. Choosing it places the order and opens a dialog with your Bank, Account Name and Account Number, each with a copy button, the exact amount to transfer, and your instructions if you wrote any. The amount is always shown in naira, even for a customer browsing in another currency, because that is what they have to send.
The customer can add a Payment reference and must attach proof of payment before the dialog will finish. The order then arrives with you.
Confirming the payment yourself
This is the part no one else does for you. A transfer order arrives Unpaid, and moves to Awaiting confirmation once the proof is uploaded. The proof is attached to the order. When you can see the money in your account, open the order and choose Mark as paid; the reference the customer gave is filled in for you, and they are told the order is confirmed.
Nothing is automatic here. A transfer the customer never made looks exactly like one you have not checked yet, so the order stays with you until you say otherwise. The reservation timeout under Settings → Fulfillment never cancels a transfer order for you either: it exists for someone who was sent to a card page and never came back, and an unpaid transfer is how this method works rather than a sign that anything went wrong.
If it does not work
- The switch will not move: there is no verified payout account yet. Choose the switch again and complete the form it opens.
- Save & activate stays greyed out: the bank and the number have not resolved to a name. Check both; the name is looked up from the bank, and a mismatch stops it here rather than at your first payout.
- A customer says they were not told where to transfer: the details come from your payout account, not from anything you typed. If the account was removed, the method has nothing to show.
- You cannot find the proof: it is on the order itself, with the customer's reference.
- An order you confirmed still reads unpaid: Mark as paid is on the order, not on this settings page.
Email support@shoponent.com with your store name if anything here does not match what you see. We read and answer every message.