Before collecting institutional fees through bKash, verify four things: provider approval, one test payment, receipt automation, and settlement terms. Starting on the strength of “we have bKash” produces three events in the first week: guardians pay but nothing is recorded, no receipts generate, and the accountant spends nights reconciling who paid what.
What to verify: provider approval, test payment, receipt and settlement limits
The payment readiness checklist:
| # | Step | Verification question | Pass criterion |
|---|---|---|---|
| 1 | Approval | institutional merchant approval exists? | written document |
| 2 | Connection | gateway live and visible in the software? | link appears on invoices |
| 3 | Test payment | you make a 1-unit sample payment yourself | ledger + receipt auto-created |
| 4 | Receipt | receipt the moment payment confirms? | instant PDF |
| 5 | Settlement | when does money land in the account? | time limit in writing |
| 6 | Failed payment | what happens on a mid-way failure | the system shows a clear message |
Step 3 matters most — test with your own money (minimum amount); a vendor’s “it works” and a completed real payment cycle are not the same.
A usable sample: the payment readiness checklist
Fill every field before going live:
- Merchant approval document (copy archived).
- Test payment TrxID + its auto-receipt — matched and stored together.
- Settlement timing in writing (usually T+1 to T+3 [VERIFY: current provider terms]).
- Failed-payment policy — if a guardian is charged, whose responsibility, what process.
- One office member designated as the bKash-desk contact.
bKash fee setup: workflow steps and limitations
- In month one, reconcile daily at three levels: gateway record ↔ ledger ↔ bank.
- Give guardians clear instructions: pay via the link to the exact number.
- Limitation: who bears gateway charges (institution/guardian) — write the policy first; debates come later.
bKash setup: questions to ask before your demo
- Is the gateway inside the package, with no separate charge?
- Where does a failed payment’s money sit, and in how many days does it return?
- Will manual bKash (TrxID hand entry) keep running alongside?
See the gateway flow and auto-receipts in fee management and the bKash demo guide; the integration picture on the integrations page, and the full preparation text in the bKash article.
bKash setup FAQ
Must manual TrxID entry stop?
No — it can run alongside (some guardians prefer it), but keep the receipt rule identical.
Who pays the charge — guardian or institution?
Policy — either works; make it written and visible on the invoice.
If settlement is delayed, where does the accounting sit?
Keep all three levels: gateway record ↔ ledger ↔ bank — delays stay visible, not lost.