# Accept COD and manual bank transfer

> Let customers pay cash on delivery or transfer to your bank account, then approve each order in BCL once the money is in.
>
> Source: https://docs.bcl.my/cod-manual-transfer/

With the **COD & Manual Transfer** add-on, your payment forms can offer **Cash on Delivery (COD)** and **Manual Bank Transfer** next to online payments. These orders stay pending until you confirm the money has arrived.

## Before you start

Subscribe to the **COD & Manual Transfer** add-on, or start its free trial, from **Add-ons** > **Available Add-ons**. The **Package Niaga** and **Package Niaga Pro** bundles include it too.

## Add your bank accounts

Manual transfer needs at least one bank account for customers to pay into. COD does not. To add them:

1. Go to **Platform Setup** > **Payment** and open the **Bank Accounts** tab.
2. Choose the **Bank**, then fill in **Account Number** and **Account Name**. Click **Add Bank Account** to add up to 3 accounts.
3. Click **Save Bank Accounts**.

## Turn it on in your form

Each form chooses its own payment methods:

1. Open your form and go to the **Payment Details** tab.
2. In **Payment Option**, add **Cash on Delivery (COD)**, **Manual Bank Transfer** or both.
3. Save your changes.

Customers who choose manual transfer pick the bank account they paid into and upload their receipt before they can submit.

## Add a COD charge (optional)

To charge extra only on COD orders, use a shipping option:

1. Go to **Platform Setup** > **Shipping & Rates** and click **Add Shipping Option**.
2. Enter a **Shipping Name**, such as COD, and a **Fixed Charge (RM)**.

*(Screenshot: The shipping rates page with a COD shipping option and its Free, Tiers and Rules buttons)*

3. Click **Rules** on that row, choose **Cash on Delivery (COD)** in **Payment Channels**, and save.
4. Click **Save Shipping Configuration**.
5. In your form's **Form Configuration** tab, turn on **Enable Shipping Rate** and add the option to **Available Shipping Methods**.

*(Screenshot: The shipping and delivery section of a form with Enable Shipping Rate turned on)*

## Approve a paid order

Once you receive the cash or see the transfer in your bank:

1. Go to **Transactions** and find the order.
2. Open its actions and click **Update Status**. For manual transfers, you can view the customer's receipt here.
3. Under **Mark as Successful**, click **Approve**. BCL emails the customer a success notice.

To approve many orders at once, tick them, open **Bulk actions** and choose **Mark As Successful**. Only COD and manual transfer orders change.

## Common issues

### Can I charge a fixed RM10 only for COD orders?

Yes. In Platform Setup > Shipping & Rates, add a shipping option named COD with a Fixed Charge (RM) of 10. Click Rules on that row and choose Cash on Delivery (COD) in Payment Channels. Do not use the additional fee, which is a percentage and applies to every payment method.

### Can I hide COD for customers in Sabah and Sarawak?

Yes. On Shipping & Rates, click Add Channel Restriction, choose COD as the payment channel, set Mode to Hide In and select Sabah and Sarawak.

### Why is a COD order still pending after the customer paid?

BCL cannot see cash or bank transfers. Open the order in Transactions, click Update Status and approve it under Mark as Successful.