Is there a way to eliminate or turn off payment gateways in OpenCart?
The most generated errors being found on Opencart forum originates from contributed programming. The increased post counters are caused by redundancies of the same solutions that were already provided prior.
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Custom OpenCart modules and solutions. You can write PM with additional questions... Extensions you can find here
If you don't want any payment or shipping method you can disable all methods in Extensions > Payments, similarly, for shipping methods Extensions > Shipping. As any default method needed for both Shipment & Payment, so you can provide any custom method which won't include any charges.
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