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Payment channels define how customers can pay during checkout. Merchants can choose which channels appear on the public checkout page, as long as the merchant is eligible and the provider channel is available. [image:merchant payment channel settings with QRIS, e-wallet, and virtual account options]
Real customer payments require an approved live merchant. Test/debug merchants can be used for setup, but should not be used to collect real payments.

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Available channels

QRIS is the default channel and stays enabled. Based on the current frontend merchant settings, these channels are available:

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Fee timing

Channel fees are deducted after the transaction is successfully settled. Settlement time varies by bank or e-wallet provider and is commonly shown as around 7-14 business days. For Terminal Mode payments, the customer pays exactly the amount entered on the device. No fees are added to that amount, and applicable fees are deducted from the merchant’s settlement instead. The customer checkout only shows channels selected by the merchant. If a channel is not selected, unavailable, or not enabled for the merchant, it should not be presented as an available checkout option.

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Unavailable options

Some channel names may appear in the merchant settings screen as unavailable options. Those channels should not be promised to customers until they are enabled for the merchant.