bKash Merchant for Android

bKash Merchant — quick, on-the-spot payment handling for businesses

bKash Merchant is a free Android application from bKash Limited that helps small businesses receive and manage digital payments tied to their bKash accounts. The tool is intended for everyday transaction processing rather than complex analytics, emphasizing fast payment capture, straightforward account checks, and simple transaction review.

Purpose and primary emphasis

The app focuses on making payment acceptance accessible and efficient. Its design goals are clarity, ease of use, and immediate awareness of incoming funds so merchants can run day-to-day operations without navigating a lot of advanced features.

Main capabilities

• Basic transaction reviews and history access for quick reconciliation
• Balance display and daily activity summaries in a single view
• Instant payment acceptance via dynamic QR codes

These core features let merchants handle payments quickly and keep an eye on recent activity without leaving the app.

Payment flow and real-time monitoring

Merchants generate a dynamic QR code for customers to scan, enabling instant transfers without typing account numbers. Incoming payments are displayed in real time; users can see balances, review transaction histories, and check daily activity within one interface.

Notification options include voice confirmations and instant alerts, so merchants don’t have to continuously monitor the screen. Under defined conditions, merchants may cancel eligible transactions to correct certain mistakes. Transaction fees are applied for many account types, typically ranging from 1.5% to 1.85%, and limits on balance amounts and transaction activity depend on the merchant account type.

Extra services and account rules

• Money transfers and related transfer services inside the bKash network
• Mobile top-ups and bill payment options integrated into the app
• Access to linked bank transfers and merchant-to-merchant payments (subject to account type)

Merchants who have Personal Retail Accounts (PRA) can hold up to 500,000 BDT in their bKash balance, with daily cash-in and send ceilings of 50,000 BDT. Standard Merchant accounts are restricted from sending funds to personal bKash accounts; they can typically transfer only to linked bank accounts or to other merchants and suppliers.

Security, login, and notifications

Account access is protected by OTP verification sent to the registered bKash phone number, balancing security with a simple sign-in process. An inbox-style notification center and configurable transaction limits help merchants manage daily operations and stay informed.

Final summary

bKash Merchant is a practical, easy-to-use payment tool for businesses within the bKash ecosystem. Its strongest points are real-time transaction visibility, operational simplicity, and quick QR-based payments. While advanced reporting, extensive customization, and granular transaction rules are not widely documented, the app is a useful centralized solution for routine payment acceptance and related financial tasks.