MindLab Future AIYou can accept bank transfer, GCash, Maya or QR Ph on Shopify by adding a manual payment method in Settings, showing customers your account details or QR code, and marking each order as paid only after you have confirmed the money in your own account. The hard part is collecting proof of payment, not setting up the method.
Why merchants take direct transfers
Payment gateways take a cut of every sale they process, including bank transfers and QR payments made through them. A direct transfer to your own account doesn't go through a gateway. In markets like the Philippines, where customers already pay with GCash, Maya, QR Ph and bank apps, offering transfers meets shoppers where they already pay.
The trade-off is manual work. Shopify can't see money arriving in your bank, so every order needs a human check before it counts as paid.
Set it up in 5 steps
Create a manual payment method
In Shopify admin, go to Settings, then Payments, then Manual payment methods, and create a custom payment method such as "Direct Bank Transfer". Customers will see it as an option at checkout.
Tell customers where to send the money
Add your bank or e-wallet name, account name and number to the payment instructions, so the customer knows exactly where to pay after checkout.
Get your QR code from your bank or e-wallet
Download the payment QR from your GCash, Maya or bank app (QR Ph works the same way). Shopify and POPLoad don't create QR codes, so use the one your bank or e-wallet issues. A QR code saves customers from typing account numbers.
Collect proof of payment
Customers usually send a screenshot of their receipt. If that happens over chat or email, the receipt is separated from the order and easy to lose. Collect it somewhere attached to the order, such as the Thank You page, so you can match them up.
Check your bank, then mark the order paid
Open your bank or e-wallet and confirm the payment arrived for the right amount. Only then open the order in Shopify and mark it as paid. If something is off, keep the order unpaid and contact the customer.
Plan for volume. Steps 4 and 5 are manual. They work fine for a handful of orders a day, and they get slow and error-prone as you grow. That is the gap tools like POPLoad fill.
How to spot a fake or reused receipt
Screenshots are easy to fake or reuse, so a receipt alone is not proof that money moved. Look for these signs on every receipt:
- The same file on another order. A reused screenshot, even if renamed.
- A reused reference number. The bank reference matches another order, even with spaces or dashes changed.
- An amount that doesn't match. The receipt shows less than the order total.
- An edited image. The file was saved by an editor such as Photoshop, Canva, GIMP or PicsArt.
- An AI-generated image. The file carries a tag from an AI image tool.
- A date before the order. The receipt is more than a day older than the order it was uploaded to.
- It isn't a receipt. The image has no sign of a bank transfer receipt.
None of these prove fraud on their own, and a cropped or re-screenshotted receipt can slip past every one of them. The only real proof is the money in your own account. For a full routine, see how to spot fake GCash and bank transfer receipts.
Common mistakes
- Marking orders paid from the receipt alone. Always check your bank first.
- Letting receipts live in chat apps. They get separated from the order and nobody can audit them later.
- Letting staff change where money goes. Only the store owner should be able to edit bank details and QR codes.
- Not testing. Place a test order paid by bank transfer and go through the whole flow before telling customers about it.
- Forgetting the Order status page. Customers return to it, so show the payment details and receipt upload there as well as on the Thank You page.
Where POPLoad fits
POPLoad is our Shopify app for exactly steps 3 to 5. Customers see your QR code and the amount due on the Thank You page, upload their receipt there, and you review it in one dashboard next to the order total. It runs the seven checks above on every upload and flags suspicious receipts, then marks the order paid in Shopify when you approve.
It does not verify payments with your bank, so you still confirm the money arrived before you approve. POPLoad is currently in Shopify's app review, so it is not on the Shopify App Store yet. Your first 10 uploads are free once it is live.
FAQ
Can Shopify accept bank transfer or GCash?
Yes, as a manual payment method. You create a custom payment method in Shopify, show customers where to send the money, and mark each order as paid once you have confirmed the payment arrived in your own account.
Does Shopify mark bank transfer orders as paid automatically?
No. Orders paid by a manual payment method stay unpaid until you mark them as paid. That is why checking your bank before you mark an order paid is the most important step.
How do I stop fake or reused payment receipts?
Confirm the money in your bank account for every order, and check each receipt for a reused file or reference number, an edited or AI-generated image, an amount that doesn't match the order, and a date older than the order. Tools like POPLoad run these checks for you and flag receipts for review, but you should still confirm the payment in your bank.
Can customers scan a QR code to pay?
Yes. Use the QR code your bank or e-wallet app issues (GCash, Maya or QR Ph, for example) and show it on the Thank You page or in the payment instructions. Shopify doesn't generate payment QR codes for you.
Do I save money on fees with bank transfer?
Payment gateways take a cut of each sale they process, while a direct transfer to your own account does not go through a gateway. Check the fees on your Shopify plan and your bank or e-wallet before you compare.
Want help setting this up?
We build and customize Shopify checkout and payment flows. Tell us about your store and we'll reply within 24 hours.
This guide is general information, not financial or legal advice. Shopify's admin screens change from time to time, so menu names may differ slightly. MindLab Future AI is not affiliated with Shopify, GCash or Maya.