I need to allow manual payments for Craft Commerce subscriptions. Typical users for this industry sector require an invoice and then make a bank transfer, and don't want to use credit card. It's low volume, high value so a small amount of admin per sale is OK.
Unfortunately, manual payment gateway option is not available when selecting a gateway for a subscription plan in Craft CP.
So far I've tried:
Create a free plan, then manually switch user to another plan in CP once the user has made a bank transfer. Problem: even a free plan requires a credit card with Stripe gateway. Maybe there's a setting I can change so if the price is 0 it doesn't need a credit card? Or another gateway that will let me do this?
Create a plan with a free trial, then switch them. Again, can't do
this without credit card details.
Create a subscription in Stripe manually. Problem: doesn't sync with Craft. Maybe I can trigger this somehow?
Create a subscription inside the CP. Problem: doesn't appear to be
possible. Maybe I can do this by building a custom plugin?
The only workaround I've found that works is to use a dummy gateway, and use hidden fields populated with the dummy credit card details. Is there a security reason I shouldn't do this on a live site? I'm running out of options here.
This is all in test mode on a dev server. Craft & Craft Commerce v4, recent install