Manual and bank transfer orders
Not every sale needs a payment gateway. Record the order in TinyVendor, send your buyer a link with your bank transfer instructions, and mark it paid yourself once the money arrives.
When manual orders make sense
A card gateway is not always the right tool. Manual orders exist for the sales that a processor either cannot handle yet or should not have to.
Bank transfer, havale or EFT
Some buyers simply prefer to send money bank-to-bank rather than enter a card. In Turkey this usually means a havale or EFT transfer; elsewhere it is a plain IBAN transfer.
Invoicing a client
For B2B work, a client's finance team often wants an invoice and a bank transfer, not a card checkout. A manual sell link works as a payment request with instructions attached.
Cash on delivery
Record the order and its price up front, collect cash when you hand the item over, then mark it paid. Useful for local pickup, markets, and door-to-door delivery.
Markets where card processing is hard to get
New businesses, higher-risk categories, or countries where local gateways are slow to approve an account can all sell from day one with a bank transfer link instead of waiting.
Deposits and pre-orders
Take a deposit for custom or made-to-order work by bank transfer, then use the same order to track when the balance is due.
Testing an offer before setting up a gateway
If you are validating demand for a new product, a manual link lets you start taking orders today and add a card gateway once volume justifies it.
What you need
1. A bank account or IBAN — or your usual process
That is the whole requirement for the bank transfer case. If you are collecting cash or invoicing separately, you do not need even that to get started.
2. Nothing from a gateway
No merchant account, no processor application, no approval wait, and no monthly account to maintain. Manual orders skip the gateway layer entirely.
3. Your payment instructions, written once
Add the details a buyer needs to send money to you — bank name, account holder, IBAN or account number, and a reference — and TinyVendor shows them on every manual sell link you create.
Selling with manual orders on TinyVendor
1. Create a sell link
Set a price and a description, same as any other product on TinyVendor. Choose manual or bank transfer as the payment method instead of a gateway.
2. Add your payment instructions
Enter your IBAN or account details and any reference format you want buyers to use. This shows up wherever a card form would normally sit.
3. Share the link
Send it by message, email, or post it anywhere you would share a product page. There is no coding and no hosted checkout to build — the link works the same from a phone as from a desktop.
4. Your buyer sends the payment
They see your price and your instructions, then pay however you have arranged — bank transfer, cash, or an invoice you send separately. TinyVendor never handles card details, so there is no PCI scope to worry about.
5. Mark the order paid
Once you see the money land in your account, mark the order as paid from your TinyVendor dashboard, right from your phone.
6. The order is tracked like any other
Your buyer gets the same confirmation email as a card order, and the sale shows up in your dashboard alongside everything processed through a gateway.
Questions
Do I need a merchant account to take manual or bank transfer orders?
No. Manual orders do not go through a payment gateway at all, so there is no merchant account, application, or approval wait. All you need is a bank account or IBAN, or your usual cash or invoicing process.
What should I include in my bank transfer instructions?
Typically your bank name, account holder name, IBAN or account number, and a reference the buyer should use so you can match the transfer to the order when it lands.
Can I use manual orders alongside a card gateway?
Yes. Many sellers keep a card gateway for everyday sales and use manual orders for the cases it does not cover well, such as a large invoice, a deposit, or a market where card processing is hard to get.
How does the buyer know the order is confirmed?
Once you mark the order as paid in your TinyVendor dashboard after the money arrives, the buyer gets the same confirmation email as any other order.
Start selling without a payment gateway
Create your TinyVendor account and send your first bank transfer sell link in under a minute. No credit card required.