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1) You can make one or more clones of a standard payment method, such as "Pay on Delivery". Basic knowledge of programming is required. The web is full of step-by-step instructions.
2) You can download ready-made payment clones, available both on Russian-language marketplaces and on the official opencart.com
3) Use a free module that allows you to create "virtual" offline payment methods without creating clones.
4) Use one of the dozens of paid modules that allow you to create "virtual" offline payment methods. The advantage is that, as a rule, they can not only create payment methods, but also show / hide them depending on the conditions, for example, show such and such payment if the amount is more than xxx rub, hide such and such payment if such and such delivery is selected, and etc etc.
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