Set up online payments (GCash, Maya, cards and bank transfer)
Let clients pay invoices from a secure link: bank transfer on every plan, and GCash, Maya and cards through your own PayMongo or Xendit account (one gateway at a time).
With online payments on, every issued, unpaid invoice gets a secure pay link. Your client opens it (no login needed) and pays. The money goes straight to your bank, PayMongo or Xendit account. Godo never holds it; it records the payment in your books.
It is off until you turn it on. When it is off, invoices work exactly as before.
How the page is laid out
Settings › Online payments has a status bar at the top (gateway, webhook, bank transfer) and two tabs:
- Online payments: GCash, Maya and cards through your own PayMongo or Xendit account (Business plan).
- Bank transfer: your bank or e-wallet accounts (every plan).
Under General at the top, tick Turn on online payments, keep Big "Pay now" button in the invoice email ticked (or untick it for a plain link), and keep Email the client a payment confirmation (PDF) ticked if you want clients to get a confirmation after they pay.
One gateway at a time
You can connect one online gateway, PayMongo or Xendit, not both together. Bank transfer is separate: you can use it alongside your gateway, or on its own. If you only want bank transfer, choose I'm not using an online gateway (bank transfer only).
To switch gateways later, pick the other one in Choose your gateway, paste its key and webhook details, and save with your authenticator code (or password). New payments then use the new gateway, and the old gateway's webhook secret does not carry over, so add the new webhook.
1. Bank transfer (every plan)
- Open the Bank transfer tab and tick Show bank transfer on the pay page.
- Add up to 5 accounts: bank or e-wallet name, account name, account or mobile number, and an optional note. The preview on the right shows what clients will see.
- Keep Let clients send proof of payment ticked so clients can upload their receipt from the pay page.
- Add extra instructions if you like (for example where to send questions).
- Click Save settings. Saving bank details does not need a code.
Bank transfers are never marked paid automatically. You check your bank, then confirm the proof.
2. GCash, Maya and cards (Business plan)
You need your own PayMongo or Xendit account. Open the Online payments tab and follow the four steps:
- Choose your gateway: PayMongo or Xendit.
- Connect your account: paste the key (and the public key for PayMongo). Godo tests it when you save and shows Connected to PayMongo (or Xendit) with Test mode or Live mode, taken from the key.
- Add the webhook: see below.
- What clients can pay with: tick GCash, Maya, Visa / Mastercard, Online banking, QR Ph. Only tick methods active in your gateway account.
Then enter your authenticator code (or your password if you have no authenticator yet) and click Save settings. The code is asked only when you change the gateway, the secret key or the webhook secret, not for other changes.
Step by step guides:
A saved key is never shown again. To check it still works, click Test saved key again. To replace it, paste the new one.
Start in test mode. Use the test key (
sk_test_…for PayMongo,xnd_development_…for Xendit), pay a test invoice, and check it turns Paid. Then replace it with the live key.
3. Add the webhook (recommended)
The webhook records a payment even when the client closes the page before coming back. In step 3 of the Online payments tab, copy the Webhook address (use Copy) and add it in your provider's dashboard: Developer Tools › Webhooks in PayMongo (event checkout_session.payment.paid), or Settings › Webhooks › Invoice in Xendit. Then paste the signing secret (PayMongo) or verification token (Xendit) into Webhook signing secret in Godo. The connect guides above show each step.
Every payment is also double-checked with PayMongo or Xendit before it is recorded, so a fake message can never mark an invoice paid.
Where the money goes in your books
- A PayMongo clearing or Xendit clearing account is created under Banking on the first online payment. Payments land there.
- The provider's fee is booked to Payment gateway fees (an expense).
- When the provider pays out to your bank, record the payout.
Tip: Changing the gateway, the secret key or the webhook secret always asks for your authenticator code (or password), and every change is in the Activity Log. If your browser offers to fill a saved password into a key box, ignore it: Godo clears those boxes unless you typed in them.
Having trouble? See Online payments: troubleshooting.