ADR — Manual bank transfer + admin proof verification

TL;DR

The LMS does not integrate any payment gateway. Users pay by manual bank transfer and upload a proof image; admins verify and unlock enrollment.

Context

• Aksara Karir lacks a legal entity (PT/CV) — Indonesian payment gateways (Midtrans, Xendit, etc.) require this for merchant onboarding.
• Volume is low at MVP, so manual ops is tolerable.

Decision

Manual bank transfer flow:

1. User submits registration form including target course + bank transfer details acknowledgement.
2. User uploads proof image; stored in R2.
3. Admin sees pending payments at /admin/payment-proof, verifies, marks paid; enrollment activates.

Consequences

• No automated reconciliation — admin error possible.
• No partial payments or installments.
• No automated refunds.
• Admin throughput is the cap on enrollment volume.
• Migration to a gateway is a future feature gated on Aksara incorporating.

Alternatives Considered

• Stripe / international: blocked by IDR + tax + entity constraints.
• E-wallet (GoPay, OVO) personal accounts: messy for B2B receipts.

Related ADRs

• ADR — billing handover

References

• feat — registration
• Backlog: [[Projects/aksara-karir/backlog/p2-payment-gateway-when-legal-entity|p2 — payment gateway]]