You can take bKash and Nagad payments on an online store in Bangladesh in three practical ways: a bKash merchant checkout, a payment gateway such as SSLCommerz or aamarPay, or a personal bKash/Nagad number where the customer sends money and types the transaction ID. This guide compares the three, shows how each works in Sellsull, and explains how to take only an advance on cash-on-delivery orders.
The three ways at a glance
| Method | How the customer pays | What you need | Best for |
|---|---|---|---|
| bKash merchant checkout | Pays on the bKash page; the order is marked paid automatically | A bKash merchant (payment gateway) account and its API keys | Shops with steady daily orders |
| SSLCommerz or aamarPay | Chooses cards, mobile banking or net banking on the gateway page | A merchant account with the gateway | Taking many payment methods in one place |
| Personal bKash or Nagad | Sends money to your number and types the transaction ID (TrxID) | Only your bKash or Nagad number | New shops and advance payments |
Option 1: bKash merchant checkout
The customer is taken to bKash, enters their number, OTP and PIN, and comes back to your store with the order already marked as paid. Nothing to check by hand.
- Good: no transaction IDs to verify, fewer fake "I paid" claims, a smooth checkout on phones.
- Keep in mind: bKash asks for business documents to open a merchant account and charges a fee per payment. Check the current rate with bKash.
- In Sellsull: add your merchant credentials under Manage Shop → Payment Gateway and turn bKash on. The money goes to your own bKash merchant account.
Option 2: SSLCommerz or aamarPay
A payment gateway shows one page with several ways to pay: Visa and Mastercard, mobile banking and internet banking. Which wallets appear (for example Nagad or Rocket) depends on what your gateway account has enabled.
- Good: one integration covers cards and wallets, useful if you sell higher-priced items or to customers abroad.
- Keep in mind: the gateway checks your trade licence and bank details before going live, and takes a percentage per payment.
- In Sellsull: paste the credentials SSLCommerz or aamarPay gives you into the same Payment Gateway page.
Option 3: Personal bKash or Nagad (send money + TrxID)
This is how most Facebook sellers start. At checkout the customer picks bKash or Nagad, sends the amount to your number, and types the TrxID from their confirmation SMS. You open your bKash or Nagad app, match the TrxID and amount, and only then pack the parcel.
- Good: no documents, no gateway fee beyond your normal cash-out cost, live in five minutes.
- Keep in mind: you check each payment yourself, so it suits shops with a manageable number of prepaid orders.
Take only an advance on cash-on-delivery orders
Many shops keep cash on delivery but ask for part of the money first, so a customer who refuses the parcel has already covered the delivery cost. In Sellsull you set this per product:
- Fixed amount: for example ৳200 before the order is accepted.
- Delivery charge: the customer pays the delivery charge in advance, the rest on delivery.
The customer sends the advance by personal bKash or Nagad and types the TrxID. A TrxID already used on another order of your shop is refused. When you click Mark as received, the cash-on-delivery amount sent to the courier drops by the advance automatically. It works on every plan, including the free one. More in Bangla: COD orders with an advance per product.
Where the money goes
Every method uses your own accounts, so payments land with you directly. Sellsull does not take a commission on your sales; the bKash or gateway fee is between you and that provider.
Which one should you choose?
- Just starting, mostly Facebook orders: cash on delivery plus personal bKash/Nagad, with an advance on products that often come back.
- 20+ prepaid orders a day: add bKash merchant checkout so you stop matching TrxIDs by hand.
- Higher-priced items or card buyers: add SSLCommerz or aamarPay.
Most growing shops end up with two or three of these switched on at the same time, and customers pick the one they like.
Setup checklist
- Decide which methods to offer and turn them on in Payment Gateway.
- Show the payment options on your product page and in your Facebook posts, so customers aren't surprised at checkout.
- Place a test order with each method before running ads.
- For personal bKash/Nagad, check every TrxID before sending the parcel.
- Connect your courier so the correct cash-to-collect amount is filled in. See Steadfast vs Pathao vs RedX vs Carrybee.
Frequently asked questions
Do I need a trade licence to accept bKash payments?
Not for a personal bKash number. A bKash merchant account and gateways like SSLCommerz or aamarPay usually ask for business documents such as a trade licence.
Can I keep cash on delivery and still take bKash?
Yes. Customers choose at checkout, and you can also ask for an advance on selected products while keeping cash on delivery for the rest.
Does Sellsull take a cut of my payments?
No. Payments go to your own accounts. You pay Sellsull only for your plan, and the free Starter plan already includes payment options.
How do I take Nagad payments?
Turn on personal Nagad (send money + TrxID), or use a gateway such as SSLCommerz or aamarPay if your gateway account offers Nagad.
Which plan do I need?
Payment options are on every plan. See pricing for product limits and other features.
