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Payments

The Payments settings allow you to manage how you accept money from customers. You can configure manual methods (like Cash on Delivery) or integrate fully automated digital gateways (like bKash, SSLCOMMERZ, or AamarPay).

Location: Settings → Payments

What Is Payments Settings?​

Payments settings is where you configure every payment method available to your customers at checkout. You can add manual methods (offline transactions like Cash on Delivery) and digital methods (automated online processing through third-party gateways).

  • Manual Payments - Cash on Delivery, bank transfers, and custom offline methods
  • Digital Payments - Automated processing via bKash, SSLCOMMERZ, AamarPay
  • Service Fees - Add percentage or fixed charges per payment method
  • Market-Specific - Assign payment methods to specific regions
For Store Owners

Start with at least one manual payment method (Cash on Delivery) and one digital payment method (bKash or SSLCOMMERZ) to cover both online and offline customers.

Payments Overview​

The main screen displays a list of all active payment methods.

  • Search Bar: Use the input at the top to quickly find a payment method by name.
  • The List Columns:
    • Name: The provider name (e.g., bKash) or custom method name.
    • Type: Indicates the processing mode:
      • Digital: Automated online transaction.
      • Manual: Offline transaction (e.g., Cash).
    • Charge: The extra fee added to the customer's total (displayed as a % or fixed amount).
    • Market: The specific region where this method is available (e.g., Bangladesh).
    • Option: Contains the icon to delete a method.

Quick Start Guide​

If you're setting up payments for the first time, follow these steps:

  1. Add a manual payment method — Set up Cash on Delivery for offline transactions
  2. Add a digital payment method — Connect bKash, SSLCOMMERZ, or AamarPay with your merchant credentials
  3. Configure service fees — Decide whether to pass processing fees to customers
  4. Test the setup — Place a test order to verify payment methods appear at checkout

For detailed instructions, continue reading below.

Adding a Manual Payment​

Manual payments are for transactions handled outside the system, such as Cash on Delivery (COD) or Bank Transfer.

  1. Click the button.
  2. Select the Manual Payment tab.
  3. General Details:
    • Custom payment method name: The title customers see at checkout (e.g., Cash on Delivery).
    • Additional details: Helpful info shown while the customer is choosing a method.
    • Payment instructions: Directions shown after the order is placed (e.g., "Please pay the rider in cash").
    • Payment market: Enter the applicable region code (e.g., BD).
  4. Charge Collection: (Optional) Add an extra service fee to this payment method.
    • Type: Choose Percentage (calculated based on order total) or Fixed (flat amount).
    • Amount: Enter the value.
  5. Click Save.
Fee Calculation Examples
  • Fixed: Enter 20 to add a flat 20 BDT charge to the order, regardless of the order size.
  • Percentage: Enter 2 to add a 2% charge calculated from the order subtotal.

Adding a Digital Payment​

Digital payments connect your store to third-party gateways for real-time processing.

  1. Click the button.
  2. Switch to the Digital Payment tab.
  3. Select provider: Choose your gateway from the list (e.g., SSLCOMMERZ, AamarPay, bKash).

Step 1: Account Information​

Enter the API credentials provided by your payment gateway. These fields vary depending on the provider you selected:

  • For bKash: Enter your Username, Password, App key, and App secret.

    Note: bKash shares these credentials with you after you create/approve your bKash merchant account.

  • For SSLCOMMERZ: Enter your Store id and Store password.

    Note: SSLCOMMERZ provides you the Store ID and Store Password once your SSLCOMMERZ merchant account is created/approved.

  • For AamarPay: Enter your Store id and Signature key.

    Note: AamarPay gives you the Store ID and Signature Key after your AamarPay merchant account is created/approved.

Security

These credentials connect your store to your bank/gateway account. Copy them exactly as provided by your payment merchant dashboard.

Step 2: Gateway Configuration​

  • Gateways: Check the boxes for the specific payment types you want to accept through this provider (e.g., Visa, MasterCard, bKash, Nagad).
  • Payment market: Enter the region where this gateway operates (e.g., Bangladesh).

Step 3: Service Fees​

  • Charge Collection: Define a fee if you wish to pass the gateway cost or processing fee to the customer.
    • Percentage: Select this to charge a % of the total order value (e.g., enter 2 for 2%).
    • Fixed: Select this to charge a specific flat amount (e.g., enter 20 for 20 BDT).
  1. Click Save.

Managing Payment Methods​

Editing a Method​

To update credentials, fees, or instructions:

  1. Click on the payment method row (anywhere on the name or details).
  2. A modal will open showing the current configuration.
  3. Make your changes and click Save.

Deleting a Method​

To remove a payment option from your checkout:

  1. Locate the method in the list.
  2. Click the icon in the Option column.
  3. Confirm Action: A warning modal will appear.
    • Read the warning carefully. Deleting a method may affect current orders, drafts, or abandoned checkouts that are still trying to process payments via this gateway.
  4. Click the button to permanently remove the method.
Impact Warning

This action is irreversible. If you have pending orders or unpaid drafts linked to this payment method, they may fail to collect payment once deleted.

Real World Examples​

Example 1: Standard Bangladesh Setup

Goal: Offer both cash and digital payment options for a Bangladesh-based store.

Methods to add:

MethodTypeChargeMarket
Cash on DeliveryManualFixed: 20 BDTBD
bKashDigitalPercentage: 1.5%BD
SSLCOMMERZDigitalNone (absorbed)BD

Why this works:

  • COD captures customers who prefer cash transactions
  • bKash covers the largest mobile payment user base in Bangladesh
  • SSLCOMMERZ adds Visa/MasterCard support for card-paying customers
  • The small COD fee discourages frivolous orders
Example 2: Digital-Only Store

Goal: Accept only online payments for a digital products store (no shipping needed).

Methods to add:

MethodTypeChargeMarket
bKashDigitalNoneBD
AamarPayDigitalNoneBD

Why this works:

  • No manual methods needed since there's no physical delivery
  • Multiple digital options give customers flexibility
  • No service fees keep the checkout price transparent

Troubleshooting​

My digital payment method isn't appearing at checkout

Possible causes:

  • API credentials are incorrect
  • The payment market doesn't match the customer's region

Solution:

  1. Go to Settings → Payments and click on the payment method
  2. Verify all API credentials match exactly what your payment provider gave you
  3. Check the Payment market field — it must match your store's active market
  4. Contact your payment provider to ensure your merchant account is active
Customer is being charged an unexpected fee

Possible causes:

  • A Charge Collection fee is set on the payment method

Solution:

  1. Go to Settings → Payments and click on the payment method
  2. Check the Charge Collection section
  3. Remove or adjust the percentage/fixed fee as needed
  4. Click Save
I accidentally deleted a payment method with pending orders

Possible causes:

  • Deletion is permanent — the method cannot be recovered

Solution:

  1. Re-create the payment method with the same credentials
  2. Check pending orders — you may need to manually process payments for affected orders
  3. Contact your payment provider to verify that pending transactions are still valid
Need More Help?

If you're still experiencing issues, contact Soppiya support with the payment method name, provider, and any error messages you're seeing.

Best Practices​

Payment Settings Best Practices

Setup

  • Offer multiple options — at minimum, one manual (COD) and one digital method
  • Copy credentials exactly — even a single character difference will cause authentication failures
  • Test after setup — place a test order to verify each payment method works

Fees

  • Be transparent — if you charge a service fee, make it clear in the payment instructions
  • Consider absorbing fees — passing processing fees to customers may reduce conversions
  • Use percentage for large orders — percentage fees scale with order size

Security

  • Never share API credentials — keep payment credentials confidential
  • Rotate credentials periodically — update passwords and keys according to your provider's recommendations
  • Monitor for unauthorized changes — check the Activity Log for modifications to payment settings

Common Mistakes to Avoid

  • ❌ Deleting payment methods with pending orders — always check for active transactions first
  • ❌ Using test/sandbox credentials in production — ensure you switch to live credentials before launch
  • ❌ Forgetting to set the payment market — methods won't appear at checkout without the correct region
  • ❌ Setting both percentage and fixed fees on the same method — choose one to avoid confusion

Summary​

Payments settings control how your store accepts money from customers. You can configure manual methods for offline transactions and digital gateways for automated online processing.

Key takeaways:

  • Offer both manual (COD) and digital (bKash, SSLCOMMERZ) payment methods for maximum coverage
  • API credentials must be copied exactly from your payment provider's dashboard
  • Service fees can be percentage-based or fixed — be transparent about charges
  • Deleting a payment method is irreversible and may affect pending orders
  • Each payment method is assigned to a specific market/region
  • Test every payment method with a test order before going live

If you're just getting started, add Cash on Delivery as your first manual method and bKash as your first digital method — this covers the majority of Bangladesh-based customers.