Everything you need to know about accepting bKash payments on your online store, from merchant account basics to checkout best practices.
bKash is one of the most widely used mobile financial services in Bangladesh. For online sellers, accepting bKash directly on your website means customers can pay in seconds without leaving the checkout – no more asking them to "send money" to a personal number and share a screenshot.
This guide explains how a bKash payment gateway on your website works, what you need to get started and how to set it up on a Multipurc store.
Personal bKash vs Payment Gateway: What's the Difference?
Many small sellers start by asking customers to send money to a personal or agent number. That works at very small scale, but it has drawbacks:
- You must manually match each payment with an order
- Customers may make mistakes with amounts or reference numbers
- Screenshots can be faked, so verification takes time
- It may not be suitable for business transactions under the provider's terms
A payment gateway integration connects bKash to your checkout. The customer chooses bKash, enters their wallet number and confirms with their PIN and verification code. Your store receives confirmation automatically and the order is marked as paid.
Benefits of Accepting bKash on Your Website
- Faster checkout: customers pay without leaving your site.
- Automatic confirmation: fewer manual checks and errors.
- Fewer fake orders: prepaid orders are generally more committed than COD.
- Better cash flow: you receive money before shipping.
- Professional image: an integrated payment option builds trust.
What You Need Before You Start
A merchant account
To accept online payments, you generally need a bKash merchant account for online payments. Requirements can include business documents such as a trade licence, national ID, bank details and information about your website. Requirements and processes change, so check the latest information directly with bKash.
A working website
Providers usually review your website before approval. Make sure your store has:
- Real products with prices
- Contact details including phone and address
- Delivery, return and refund policies
- Terms and privacy pages
API credentials
Once approved, you receive credentials (such as app key, secret, username and password) that connect your website to the gateway. Keep these private.
How to Set Up bKash on Multipurc
- Create your Multipurc store if you have not already.
- Go to the plugins section and find the bKash payment plugin.
- Install or enable the plugin.
- Enter the merchant credentials provided by bKash.
- Choose whether to use sandbox (test) mode first.
- Save and place a test order to confirm everything works.
- Switch to live mode when you are ready.
The Learning Center has detailed setup guides if you get stuck.
Testing Your Payment Flow
Before announcing bKash payments, test carefully:
- Place an order on mobile and on desktop
- Confirm the payment page opens correctly
- Check that the order status updates to paid
- Test what happens if a customer cancels the payment
- Ensure confirmation messages are clear
Offer bKash Alongside Other Options
bKash works best as part of a mix. Many stores offer:
- Cash on Delivery for cautious first-time buyers
- bKash and Nagad for mobile payment users
- SSLCommerz for cards and internet banking
Some sellers ask for a small advance via bKash on COD orders – for example to cover the delivery charge – to reduce fake orders. If you do this, explain it clearly on your checkout page.
Tips to Increase Online Payments
Show payment logos
Display bKash and other payment logos on product pages and in the footer so customers know their preferred method is available.
Explain security
Tell customers they pay on a secure payment page and never need to share their PIN with you.
Offer a genuine incentive
Some stores offer free delivery or a small discount for prepaid orders. Only promise what you can sustain.
Handle refunds quickly
If an order is cancelled, process refunds promptly according to your policy. Fast refunds build trust.
Common Problems and Fixes
- Payment succeeded but order shows unpaid: check your callback settings and credentials.
- Payment page not opening: confirm you are using live credentials in live mode.
- Customers unsure how to pay: add a short "How to pay with bKash" section.
Example Checkout Wording
Clear instructions remove hesitation. You might add a short note near the payment options, such as:
- "Pay securely with bKash – you will be taken to the official payment page."
- "We will never ask for your PIN or OTP by phone or message."
- "Prefer to pay on delivery? Choose Cash on Delivery."
Short, honest wording like this builds confidence, especially for customers paying online for the first time. A clean, trustworthy design from the theme gallery reinforces that confidence.
Security Best Practices
- Store gateway credentials only in your store's payment settings, never in messages or shared documents
- Limit admin access to people who truly need it and use strong, unique passwords
- Change passwords if a staff member leaves
- Check new orders against payment confirmations regularly
- Warn customers about scammers pretending to be your shop
Merchant Application Checklist
- Business documents ready (as requested by the provider)
- Business name consistent across documents, website and bank account
- Website live with real products and prices
- Contact page with phone, email and address
- Delivery, refund and return policies published
- Terms and privacy pages published
Having everything ready before you apply can help avoid back-and-forth during review.
Example: How a Prepaid Order Flows
- The customer adds a product to the cart and chooses bKash at checkout.
- They are redirected to the secure payment page and enter their wallet number.
- They confirm with the verification code and their PIN on the payment page.
- The gateway confirms the payment back to your store.
- The order is marked paid and appears in your dashboard ready to ship.
- You book the courier with a zero COD amount, since it is already paid.
Understanding this flow helps you explain it to customers and troubleshoot quickly if something goes wrong.
Frequently Asked Questions
Can I use my personal bKash number for my online store?
For a business website, a merchant account with gateway integration is the proper approach. Check bKash's terms for personal account usage.
Does bKash charge fees for gateway payments?
Merchant transactions usually carry fees. Check the current rates with bKash.
Can I accept both bKash and Nagad?
Yes. On Multipurc, you can enable several payment plugins and let customers choose.
Start Accepting bKash Today
Make paying easy for your customers. Create a Multipurc store, enable the bKash plugin and start receiving online payments directly at checkout.