Hi,
It depends on a lot of other things ; but if your question is : should I let the "payment" step in my checkout workflow ; so the answer is "yes".
HikaShop have some manual payment methods like "check", "bank transfert" or "collect on delivery".
These payment methods requires a manual validation for an administrator.
Regards,
Jerome - Obsidev.com
HikaMarket & HikaSerial developer / HikaShop core dev team.
Also helping the HikaShop support team when having some time or couldn't sleep.
By the way, do not send me private message, use the "contact us" form instead.