How To Take bKash Payment For Your Online Shop

Three Ways To Take bKash Payments

Shops usually start with one of these and move up as they grow. Each has trade-offs, and the rules and charges change, so check bKash’s current terms before you decide.

• A personal number: the customer sends money to your number and shares the transaction ID. It is quick to start, but personal accounts are meant for personal use, have limits and mix business money with your own.
• A merchant account: a business account that takes payments under your business name. It typically needs your business documents and approval, and it is built for commercial use.
• A payment link through a payment gateway: the customer pays on a hosted page that offers bKash alongside cards and other wallets, and the money goes to your own merchant account.

Personal Number Or Merchant Account?

If you are testing a business with a few orders a week, a personal number is the practical start. As soon as volume grows, or you want clean records, a merchant account is the better choice, and customers often trust a business name more than a personal number.

Whichever you use, keep business payments separate from your own spending as early as you can. Mixing them makes it hard to know your real profit, and it makes tax time painful.

Steps To Take bKash Payment Safely

Follow this routine for every order that is paid in advance.

1. 1

   Decide the setup and write your payment instructions

   State the number, whether the customer should use Send Money or Payment, and the amount. Put it in a saved reply so you never type the number by hand and risk a wrong digit.

2. 2

   Ask for the transaction ID and sender number

   Ask the customer to send the TrxID, the number they paid from and, if you like, a screenshot. Add the order number as a reference when the method allows it.

3. 3

   Verify the payment in your own app

   Check the payment in your bKash app or in the official message you received before you pack the order. Screenshots and forwarded messages can be faked, so never rely on them alone.

4. 4

   Match the payment to the order

   Write the TrxID against the order. Check the amount: a partial payment, a double payment or a payment from a different number all need a clear reply.

5. 5

   Confirm to the customer

   Tell the customer you received the payment and when the parcel will go out. A prompt confirmation reduces anxious messages.

6. 6

   Reconcile at the end of the day

   Compare the day’s payments in your bKash app with the orders you marked paid. Small mismatches are easy to solve the same day and hard a month later.

A Message You Can Copy

Bangla: “আপনার অর্ডার কনফার্ম করতে ১,২০০ টাকা বিকাশে পাঠান (Send Money): 01XXX-XXXXXX। পেমেন্ট করার পর TrxID এবং কোন নম্বর থেকে পাঠিয়েছেন তা জানান। পেমেন্ট পেলেই আমরা পার্সেল প্যাক করব।” Replace the number with your own.

Banglish: “Order confirm korte 1,200 taka bKash e pathan (Send Money): 01XXX-XXXXXX. Payment korar por TrxID ar kon number theke pathiyechen ta janan.”

Advances On Cash On Delivery Orders

bKash is also your best tool against returns. Asking for the delivery charge or a small advance on a risky cash-on-delivery order, such as a first order or a far area, means the customer has something at stake. Say clearly what the advance covers and how the rest will be paid at the door.

Common Problems And How To Handle Them

Payments rarely go wrong in dramatic ways. They go wrong in small, repeatable ways, and a set reply for each saves time.

• Wrong amount: tell the customer the difference and ask for the rest, or refund the extra by agreement before shipping
• Wrong number or no TrxID: ask for the sender’s number and the time of payment, then look for it in your own app
• Payment not found: do not ship. Ask the customer to check their own statement and share the official message
• Double payment: confirm with the customer, then refund the extra or keep it as credit for the next order, whichever they prefer
• Customer cancels after paying: refund as soon as you have confirmed the cancellation, and tell the customer when to expect it

Spotting A Fake Payment

Fake screenshots and messages from unofficial numbers are a known trick. Look at the sender number, the amount, the time and the TrxID, and check them in your own app. If you receive a message that says a payment arrived but your app shows nothing, treat it as unpaid. A calm, polite reply works for honest customers: “আমাদের অ্যাপে এখনো পেমেন্ট দেখা যাচ্ছে না। TrxID আবার দেখে জানাবেন?”

Payment Links And Fewer Manual Checks

A payment link removes the screenshot problem. The customer pays on a secure page, you see the result and the order is marked paid without anybody checking an app. Gateways such as SSLCommerz, ShurjoPay, aamarPay, PortPos, PayStation and EPS offer this, usually with bKash and other options on the same page. You need an account with the gateway of your own, and fees vary, so compare their current terms.

Nabik.ai works with your own gateways and wallets. Nabik AI quotes your bKash, Nagad, Rocket or Upay number exactly as you have set it, can read a payment screenshot to help your team, and every payment is matched to its order. Payment links use your own gateway account, so the money goes straight to you, and the AI never sends a link without a person’s approval.