what is a manual payment gateway?

I don't quite understand how the manual payment gateway works or what it's for... when enabled it is visible on the page... will a visitor be confused about what it is? And how are the funds then collected?

Also, the widgets don't seem to work if there are more than one fundraiser... even if you select just one, both of them are displayed and linked.

Finally, the only way I could add a tab to my nav to go to the fundraiser, was to do a custom tab and manually link. I tried to follow your pdf, but what you show in it, is not visible from my side, in appearance --> menus.

Thanks for your help!