There are two ways to accept bKash and Nagad on an online store: manual payment, where the customer sends money and gives you the transaction ID, or a connected payment gateway, where the customer pays on a secure page and the order is marked paid automatically. The second needs an approved merchant account or gateway; the first does not.

Option 1: manual payment with a transaction ID

At checkout the store shows your bKash or Nagad number and asks the customer to send the amount, then enter the sender number and transaction ID (TrxID). Your team checks the payment in the app or SMS and confirms the order.

  • Good: quick to start, no merchant approval, familiar to customers.
  • Weak: someone must verify every payment by hand, mistakes and fake IDs happen, and orders wait until you check.

Option 2: a connected gateway

The customer chooses bKash or Nagad at checkout, is sent to the provider’s secure payment step and returns to the store. The store receives a confirmation and marks the order as paid without manual checking.

This usually goes through a merchant account with the provider itself, or through a payment aggregator that offers bKash and Nagad, such as SSLCommerz. What you need depends on the provider.

  • Good: automatic payment status, fewer mistakes, a more professional checkout.
  • Needs: an approved merchant account or gateway, credentials that stay under your control, and testing before launch.

What the provider controls, not the website

Approval of your merchant account, the fees you pay, settlement timing, refunds and disputes are governed by your agreement with bKash, Nagad or the gateway. A website developer cannot approve an account or change those terms. Ask the provider what documents they need and check the current fees directly, because these can change.

How we handle it

  1. We ask which account or gateway you have, or help you understand which route fits.
  2. We configure the supported method and keep Cash on Delivery if you want it.
  3. We test successful, failed and cancelled payments before launch.
  4. We show your team where payment status appears and what to check before packing an order.

Which should you start with?

If you are just starting, Cash on Delivery plus manual bKash or Nagad is a reasonable first step while your merchant application is processed. Move to a connected gateway once it is approved and you are handling enough online payments that manual checking wastes time.

We never promise a payment method your account cannot use. Tell us what you have today and we will say what is possible.

About the author: Aura Digital Bangladesh builds e-commerce websites for product businesses in Bangladesh. This article is informational and reflects the service approach used by Aura Digital.