Payment System

The platform uses a manual payment workflow designed specifically for the Bangladeshi market. Instead of complex payment gateways, customers pay using the mobile wallets they already trust—bKash, Nagad, and Rocket—or choose Cash on Delivery. This approach eliminates technical barriers, reduces costs, and provides a familiar payment experience for your customers.

Why Manual Payments?

The Payment Gateway Challenge in Bangladesh

Traditional online payment gateways present significant obstacles for small businesses:

High Costs

Setup fees ranging from ৳10,000 to ৳50,000
Transaction fees of 2-3% per sale
Monthly maintenance charges
Hidden processing fees

Complex Requirements

Extensive paperwork and documentation
Trade license verification
Bank account requirements
Lengthy approval processes (often 2-4 weeks)

Technical Barriers

API integration requiring developer expertise
SSL certificate requirements
Server configuration needs
Ongoing technical maintenance

Our Solution: Manual Payment Workflow

The manual payment system solves these challenges by using payment methods Bangladeshi customers already use daily:

No Setup Costs — Start accepting payments immediately
No Transaction Fees — Keep 100% of your revenue (minus mobile wallet transfer fees)
No Technical Integration — Works out of the box
Familiar to Customers — Everyone knows how to use bKash, Nagad, and Rocket
Instant Setup — Enter your wallet numbers and start selling

This approach is perfect for small-to-medium businesses that want to avoid the complexity and cost of traditional payment gateways while providing a trusted payment experience.

Supported Payment Methods

bKash

Bangladesh's most popular mobile financial service. Customers can send money using:

bKash app
USSD code (*247#)
Agent points

Your bKash number is displayed to customers after they place an order, along with clear instructions for completing the payment.

Nagad

Government-backed mobile wallet service. Customers can pay through:

Nagad app
USSD code (*167#)
Agent locations

Nagad offers competitive transaction fees and is widely trusted by customers.

Rocket

Dutch-Bangla Bank's mobile banking service. Payment options include:

Rocket app
USSD code (*322#)
Agent points

Rocket is particularly popular for larger transactions and business payments.

Cash on Delivery (COD)

For customers who prefer to pay when they receive their order. You can:

Enable or disable COD in store settings
Set a COD fee (fixed amount added to order total)
Configure COD availability by area or order value

COD orders follow the same workflow as prepaid orders but skip the payment verification step.

Complete Payment Workflow

Step 1: Customer Places Order

The customer completes the checkout process by:

Reviewing their cart
Entering delivery information (name, phone, address)
Selecting their preferred payment method
Placing the order

At this point, the order is created with a Pending status and appears in your admin panel's Unpaid Orders Queue.

Step 2: Customer Sees Payment Instructions

Immediately after placing the order, the customer sees a payment instruction screen showing:

Your wallet number (bKash, Nagad, or Rocket, depending on their selection)
Order total amount
Order ID for reference
Step-by-step payment instructions
Transaction ID input field

The instructions guide the customer through:

Opening their mobile wallet app
Selecting "Send Money"
Entering your wallet number
Entering the exact order amount
Completing the transaction
Copying the Transaction ID
Returning to your website and entering the Transaction ID

Step 3: Customer Sends Payment

The customer opens their mobile wallet app and sends the payment to your number. This happens outside your website—the customer uses their familiar bKash, Nagad, or Rocket app just like they would for any other payment.

Step 4: Customer Provides Transaction ID

After completing the payment, the customer receives a Transaction ID (also called TrxID or Reference Number) from their mobile wallet. They return to your website and enter this ID in the provided field.

This Transaction ID is crucial—it's the proof of payment you'll use to verify the transaction.

Step 5: Order Appears in Unpaid Orders Queue

Your admin panel features a dedicated Unpaid Orders Queue that shows all orders awaiting payment verification. For each order, you can see:

Customer name and phone number
Order total
Selected payment method
Transaction ID (if provided)
Order date and time

This queue makes it easy to process payments in batch rather than checking each order individually.

Step 6: Admin Verifies Payment

You verify the payment by:

Opening your mobile wallet app (bKash, Nagad, or Rocket)
Checking your transaction history
Finding the transaction matching the customer's Transaction ID
Confirming the amount matches the order total
Confirming the transaction date is recent

If everything matches, you mark the payment as verified in the admin panel.

Step 7: Admin Confirms Order

Once payment is verified, you change the order status from Pending to Confirmed. This action:

Removes the order from the Unpaid Orders Queue
Notifies the customer (if notifications are enabled)
Triggers inventory deduction
Records the transaction in your accounting system
Moves the order to the fulfillment workflow

The order is now ready for packaging and shipping.

Unpaid Orders Queue

The Unpaid Orders Queue is your central hub for managing payment verification. It provides:

Quick Filtering

View all unpaid orders at once
Filter by payment method (bKash, Nagad, Rocket, COD)
Sort by date, amount, or customer name
Search by Transaction ID or customer phone

Batch Processing

Verify multiple payments in one session
Mark payments as verified with a single click
Bulk confirm orders after verification
Efficient workflow for high-volume stores

Payment Status Tracking

Pending — Order placed, awaiting payment
Transaction ID Provided — Customer entered Transaction ID, awaiting verification
Verified — Payment confirmed, ready to confirm order
Confirmed — Order confirmed and moved to fulfillment

Admin Actions

Mark payment as verified
Confirm order (changes status to Confirmed)
Cancel order (if payment not received)
Contact customer (phone number displayed)
Add admin notes for internal tracking

Cash on Delivery (COD) Workflow

COD orders follow a simplified workflow since payment happens at delivery:

Step 1: Customer Selects COD

During checkout, the customer chooses "Cash on Delivery" as their payment method.

Step 2: COD Fee Applied (Optional)

If you've configured a COD fee in store settings, it's automatically added to the order total. This fee compensates for the additional risk and handling of COD orders.

Step 3: Order Created as Pending

The order appears in your admin panel with Pending status, just like prepaid orders.

Step 4: Admin Confirms Order

You review the order and confirm it without payment verification. The order moves to Confirmed status and enters the fulfillment workflow.

Step 5: Package and Ship

You prepare the package and send it via courier. The courier collects payment from the customer upon delivery.

Step 6: Courier Delivers and Collects Payment

The courier delivers the package and collects cash from the customer. The courier then transfers the collected amount to you (minus their delivery fee).

Step 7: Admin Marks as Delivered

Once you receive confirmation from the courier, you mark the order as Delivered in the admin panel. This triggers:

Accounting entry recording the revenue
Inventory update (if not already deducted)
Order completion

Payment Verification Best Practices

Verify Payments Regularly

Check the Unpaid Orders Queue at least twice daily
Process payments promptly to avoid customer confusion
Set up a routine verification schedule (e.g., morning and evening)

Match Transaction Details Carefully

Confirm Transaction ID matches exactly
Verify amount matches order total
Check transaction date is within expected timeframe
Ensure payment came from customer's phone number (if visible in wallet app)

Handle Discrepancies

If amount doesn't match, contact customer before confirming
If Transaction ID not found, ask customer to provide screenshot
If payment is less than order total, request remaining amount
If payment is more than order total, arrange refund or credit

Communicate with Customers

Respond quickly to payment questions
Provide clear instructions if issues arise
Confirm order status after verification
Keep customers informed throughout the process

Manage COD Orders Carefully

Consider limiting COD to certain areas or order values
Use COD fees to offset risk and handling costs
Track COD refusal rates by area or customer
Work with reliable courier services for COD deliveries

Benefits of Manual Payment System

For Your Business

Cost Savings

No setup fees or monthly charges
No transaction fees (except mobile wallet transfer fees)
No technical integration costs
No maintenance expenses

Simplicity

Start accepting payments immediately
No technical knowledge required
No paperwork or approval processes
Easy to manage and track

Control

You verify every payment personally
Direct access to your money in mobile wallets
No payment holds or delays
Full visibility into transaction history

Flexibility

Accept payments through multiple wallets
Offer COD for customer convenience
Adjust payment methods based on customer preferences
No vendor lock-in

For Your Customers

Familiarity

Use payment methods they already know and trust
No need to enter card details or create payment accounts
Same process they use for everyday transactions
Confidence in established mobile wallet security

Convenience

Pay using their preferred mobile wallet
Option to pay cash on delivery
No additional apps or registrations required
Quick and straightforward payment process

Trust

Established mobile wallet brands
Government-backed options (Nagad)
Familiar security measures
Transparent transaction records

Common Questions

What if a customer doesn't provide a Transaction ID?

Orders without Transaction IDs remain in the Unpaid Orders Queue. You can:

Contact the customer and request the Transaction ID
Check your wallet transaction history for payments matching the order amount and date
Cancel the order if payment isn't received within a reasonable timeframe

How do I handle partial payments?

If a customer sends less than the order total:

Contact the customer to request the remaining amount
Wait for the second payment
Verify both transactions
Confirm the order once full payment is received

Alternatively, you can adjust the order total to match the payment received (if appropriate).

What if I receive payment but can't find the order?

This can happen if:

The customer placed the order but didn't complete the Transaction ID step
There was a technical issue during order creation
The customer sent payment without placing an order

Check your Unpaid Orders Queue for orders matching the amount and customer phone number. If no order exists, contact the customer to clarify.

Can I refund a payment?

Yes, you can refund payments by sending money back through the same mobile wallet. The platform doesn't automate refunds—you handle them manually through your wallet app. Be sure to:

Document the refund in admin notes
Update the order status appropriately
Communicate with the customer about the refund

How do I track which wallet received which payment?

When customers select their payment method during checkout, the order records which wallet they chose (bKash, Nagad, or Rocket). You can filter the Unpaid Orders Queue by payment method to see which payments should appear in which wallet.

Next Steps

Now that you understand the payment system, explore:

Order Management — Learn how to process orders after payment verification
Setup Wizard — Configure your payment methods during initial setup
Order Processing — Master the admin workflow for managing orders

First Steps Order Management