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Payment Gateway Settings ​

Overview ​

Payment Gateway Settings allow you to configure online payment methods for your subscribers. ZAL ULTRA supports multiple payment gateways from different countries, enabling subscribers to pay for internet packages directly through the subscriber portal using credit cards, debit cards, mobile wallets, and bank transfers.

WHY PAYMENT GATEWAYS?

Payment gateways enable:

  • Automated Payments - Subscribers pay online 24/7
  • Instant Activation - Packages activated immediately after payment
  • Reduced Admin Work - No manual payment collection
  • Better Cash Flow - Instant payment receipt
  • Multiple Payment Options - Cards, mobile money, bank transfers

📋 Table of Contents ​

  1. Supported Payment Gateways
  2. bKash (Bangladesh)
  3. SSLCommerz (Bangladesh)
  4. Paystack (Africa)
  5. Razorpay (India)
  6. M-Pesa (Kenya)
  7. Easypaisa (Pakistan)
  8. Transaction Fees
  9. Testing vs Production
  10. Best Practices

Supported Payment Gateways ​

ZAL ULTRA supports 6 major payment gateways covering Bangladesh, India, Pakistan, and Africa:

GatewayCountryPayment MethodsSetup Difficulty
bKashBangladeshMobile walletEasy
SSLCommerzBangladeshCards, mobile wallets, banksMedium
PaystackNigeria, Ghana, South AfricaCards, bank transfersEasy
RazorpayIndiaCards, UPI, wallets, netbankingMedium
M-PesaKenya, TanzaniaMobile moneyMedium
EasypaisaPakistanMobile wallet, cardsEasy

bKash (Bangladesh) ​

What is bKash? ​

bKash is Bangladesh's leading mobile financial service, allowing users to send money, pay bills, and make purchases using their mobile phones. It's the most popular payment method in Bangladesh.

Features ​

  • ✅ Mobile wallet payments
  • ✅ Instant payment confirmation
  • ✅ No credit card needed
  • ✅ Available to 60+ million users
  • ✅ Low transaction fees

Configuration Fields ​

Status ​

What It Does: Enables or disables bKash payments.

  • Enable: Subscribers can pay via bKash
  • Disable: bKash option hidden from payment page

Mode Status ​

What It Does: Switches between testing and live mode.

Sandbox (Test Mode):

  • Use test credentials
  • No real money charged
  • For testing only
  • Use test bKash accounts

Live (Production Mode):

  • Use live credentials
  • Real money transactions
  • For actual business

Recommendation: Always test in Sandbox first!

bKash Number ​

What It Does: Your merchant bKash account number.

Format: 01XXXXXXXXX (11 digits)

Example: 01712345678

Where to Get:

  • Register as bKash merchant
  • Receive merchant account number
  • Use this number here

App Key ​

What It Does: API key for authentication.

Where to Get:

  1. Login to bKash merchant portal
  2. Go to API Credentials
  3. Copy App Key
  4. Paste here

Security: Keep this secret!

App Secret ​

What It Does: Secret key for API authentication.

Where to Get:

  • Same location as App Key
  • In bKash merchant portal
  • API Credentials section

Security: Never share this!

Username ​

What It Does: API username for bKash integration.

Where to Get:

  • Provided by bKash
  • In merchant portal
  • API Credentials section

Password ​

What It Does: API password for bKash integration.

Where to Get:

  • Provided by bKash
  • In merchant portal
  • API Credentials section

Security: Stored encrypted

Transaction Fee ​

What It Does: Additional fee charged to subscribers for using bKash.

Examples:

  • Fixed: 10 BDT per transaction
  • Percentage: 2% of payment amount

Use Cases:

  • Cover gateway charges
  • Service fee
  • Or set to 0 for no extra charge

Transaction Fee Type ​

What It Does: How the transaction fee is calculated.

Options:

  • Fixed: Same amount every time (e.g., 10 BDT)
  • Percentage: Based on payment amount (e.g., 2%)

How to Setup bKash ​

Step 1: Register as Merchant

  1. Visit bKash merchant website
  2. Fill application form
  3. Submit business documents
  4. Wait for approval (3-7 days)

Step 2: Get API Credentials

  1. Login to merchant portal
  2. Navigate to API section
  3. Copy all credentials:
    • App Key
    • App Secret
    • Username
    • Password

Step 3: Configure in ZAL ULTRA

  1. Go to Settings → Payment Gateways
  2. Find bKash section
  3. Enter all credentials
  4. Set Mode to Sandbox
  5. Test payment
  6. Switch to Live mode

Step 4: Test Payment

  1. Use test bKash account
  2. Make test payment
  3. Verify payment received
  4. Check package activated

bKash Payment Flow ​

  1. Subscriber selects package
  2. Clicks "Pay with bKash"
  3. Enters bKash number
  4. Receives OTP on phone
  5. Enters OTP to confirm
  6. Payment processed
  7. Package activated instantly

SSLCommerz (Bangladesh) ​

What is SSLCommerz? ​

SSLCommerz is Bangladesh's largest payment gateway, supporting credit cards, debit cards, mobile wallets (bKash, Rocket, Nagad), and internet banking.

Features ​

  • ✅ Multiple payment methods
  • ✅ Credit/debit cards
  • ✅ Mobile wallets (bKash, Rocket, Nagad)
  • ✅ Internet banking
  • ✅ International cards accepted
  • ✅ Comprehensive payment solution

Configuration Fields ​

Status ​

What It Does: Enables or disables SSLCommerz payments.

Mode Status ​

What It Does: Switches between Sandbox (test) and Live mode.

Sandbox: Use for testing Live: Use for production

Store ID ​

What It Does: Your SSLCommerz merchant store ID.

Where to Get:

  1. Register at SSLCommerz
  2. Create store
  3. Receive Store ID
  4. Use here

Example: myisp12345

Store Password ​

What It Does: Password for your SSLCommerz store.

Where to Get:

  • Provided during registration
  • Or reset in merchant portal

Security: Keep confidential

Transaction Fee & Type ​

Same as bKash - can charge fixed or percentage fee.

How to Setup SSLCommerz ​

Step 1: Register

  1. Visit sslcommerz.com
  2. Click "Merchant Registration"
  3. Fill business details
  4. Submit documents
  5. Wait for approval

Step 2: Get Credentials

  1. Login to merchant panel
  2. Go to Settings → API
  3. Copy Store ID
  4. Copy Store Password
  5. Note Sandbox vs Live credentials

Step 3: Configure in ZAL ULTRA

  1. Enter Store ID
  2. Enter Store Password
  3. Set Mode to Sandbox
  4. Test payment
  5. Switch to Live

SSLCommerz Payment Methods ​

When subscribers choose SSLCommerz, they can pay via:

  • Credit Cards: Visa, Mastercard, Amex
  • Debit Cards: Local and international
  • bKash: Mobile wallet
  • Rocket: Mobile wallet
  • Nagad: Mobile wallet
  • Internet Banking: All major banks
  • Mobile Banking: Bank mobile apps

Paystack (Africa) ​

What is Paystack? ​

Paystack is Africa's leading payment gateway, popular in Nigeria, Ghana, and South Africa. It supports cards, bank transfers, and mobile money.

Features ​

  • ✅ Credit/debit cards
  • ✅ Bank transfers
  • ✅ Mobile money
  • ✅ Used across Africa
  • ✅ Modern API
  • ✅ Excellent documentation

Configuration Fields ​

Status ​

Enables/disables Paystack payments.

Mode Status ​

Sandbox: Testing mode Live: Production mode

Secret Key ​

What It Does: API secret key for authentication.

Where to Get:

  1. Register at paystack.com
  2. Login to dashboard
  3. Go to Settings → API Keys
  4. Copy Secret Key (starts with sk_)

Important: Use sk_test_ for Sandbox, sk_live_ for Live

Transaction Fee & Type ​

Charge additional fee for Paystack payments.

How to Setup Paystack ​

Step 1: Create Account

  1. Visit paystack.com
  2. Sign up for free
  3. Verify email
  4. Complete business profile

Step 2: Get API Keys

  1. Go to Settings → API Keys & Webhooks
  2. Copy Test Secret Key (for testing)
  3. Copy Live Secret Key (for production)

Step 3: Activate Live Mode

  1. Submit business documents
  2. Wait for approval
  3. Receive live API keys

Step 4: Configure in ZAL ULTRA

  1. Enter Secret Key
  2. Start with Test key
  3. Test payments
  4. Switch to Live key

Paystack Payment Methods ​

  • Cards: Visa, Mastercard, Verve
  • Bank Transfer: Direct bank transfer
  • USSD: Mobile banking codes
  • Mobile Money: MTN, Airtel, Vodafone
  • QR Code: Scan to pay

Razorpay (India) ​

What is Razorpay? ​

Razorpay is India's leading payment gateway, supporting UPI, cards, wallets, and netbanking. It's the most comprehensive payment solution for Indian businesses.

Features ​

  • ✅ UPI payments (Google Pay, PhonePe, Paytm)
  • ✅ Credit/debit cards
  • ✅ Wallets (Paytm, PhonePe, etc.)
  • ✅ Netbanking (all banks)
  • ✅ EMI options
  • ✅ International cards

Configuration Fields ​

Status ​

Enables/disables Razorpay payments.

Mode Status ​

Test Mode: For testing Live Mode: For production

API Key ​

What It Does: Public API key for Razorpay.

Where to Get:

  1. Register at razorpay.com
  2. Login to dashboard
  3. Go to Settings → API Keys
  4. Copy Key ID

Format: rzp_test_ or rzp_live_

API Secret ​

What It Does: Secret key for authentication.

Where to Get:

  • Same location as API Key
  • Keep this confidential

Transaction Fee & Type ​

Additional fee for Razorpay payments.

How to Setup Razorpay ​

Step 1: Register

  1. Visit razorpay.com
  2. Sign up with business email
  3. Verify email and phone
  4. Complete KYC

Step 2: Get API Keys

  1. Go to Settings → API Keys
  2. Generate Test Keys (for testing)
  3. Generate Live Keys (after KYC approval)

Step 3: Complete KYC

  1. Submit business documents
  2. Bank account details
  3. Wait for approval (1-2 days)

Step 4: Configure in ZAL ULTRA

  1. Enter API Key
  2. Enter API Secret
  3. Test with Test keys
  4. Switch to Live keys

Razorpay Payment Methods ​

  • UPI: Google Pay, PhonePe, Paytm, BHIM
  • Cards: Visa, Mastercard, Rupay, Amex
  • Wallets: Paytm, PhonePe, Mobikwik, Freecharge
  • Netbanking: All major banks
  • EMI: Credit card EMI options

M-Pesa (Kenya) ​

What is M-Pesa? ​

M-Pesa is Kenya's most popular mobile money service, used by millions for payments, transfers, and bills. Essential for Kenyan ISPs.

Features ​

  • ✅ Mobile money payments
  • ✅ No bank account needed
  • ✅ Instant confirmation
  • ✅ Used by 30+ million Kenyans
  • ✅ Simple and reliable

Configuration Fields ​

Status ​

Enables/disables M-Pesa payments.

Mode Status ​

Sandbox: Testing with fake money Live: Real transactions

Consumer Key ​

What It Does: API consumer key from Safaricom.

Where to Get:

  1. Register at developer.safaricom.co.ke
  2. Create app
  3. Copy Consumer Key

Consumer Secret ​

What It Does: API consumer secret.

Where to Get:

  • Same location as Consumer Key
  • Keep confidential

Short Code ​

What It Does: Your M-Pesa business short code.

Format: 6-digit number

Example: 174379

Where to Get:

  • Apply for Paybill or Till Number
  • Receive from Safaricom
  • Use here

Pass Key ​

What It Does: Security pass key for Lipa Na M-Pesa.

Where to Get:

  • Provided by Safaricom
  • In developer portal
  • After short code approval

Transaction Fee & Type ​

Additional fee for M-Pesa payments.

How to Setup M-Pesa ​

Step 1: Register Business

  1. Visit Safaricom M-Pesa office
  2. Apply for Paybill or Till Number
  3. Submit business documents
  4. Pay registration fee
  5. Receive short code

Step 2: Register as Developer

  1. Visit developer.safaricom.co.ke
  2. Create account
  3. Create app
  4. Get Consumer Key & Secret

Step 3: Get Pass Key

  1. Login to developer portal
  2. Go to your app
  3. Find Pass Key
  4. Copy for use

Step 4: Configure in ZAL ULTRA

  1. Enter all credentials
  2. Test in Sandbox
  3. Switch to Live

M-Pesa Payment Flow ​

  1. Subscriber selects package
  2. Clicks "Pay with M-Pesa"
  3. Enters M-Pesa phone number
  4. Receives STK Push on phone
  5. Enters M-Pesa PIN
  6. Payment confirmed
  7. Package activated

Easypaisa (Pakistan) ​

What is Easypaisa? ​

Easypaisa is Pakistan's largest mobile wallet and payment service, used by millions for mobile money, bill payments, and online shopping.

Features ​

  • ✅ Mobile wallet payments
  • ✅ No bank account needed
  • ✅ Instant payments
  • ✅ Widely used in Pakistan
  • ✅ Simple integration

Configuration Fields ​

Status ​

Enables/disables Easypaisa payments.

Mode Status ​

Sandbox: Testing mode Live: Production mode

Store ID ​

What It Does: Your Easypaisa merchant store ID.

Where to Get:

  1. Register as Easypaisa merchant
  2. Receive Store ID
  3. Use here

Username ​

What It Does: API username for Easypaisa.

Where to Get:

  • Provided during merchant registration
  • In merchant portal

Password ​

What It Does: API password.

Where to Get:

  • Provided during registration
  • Can reset in portal

Transaction Fee & Type ​

Additional fee for Easypaisa payments.

How to Setup Easypaisa ​

Step 1: Merchant Registration

  1. Visit Easypaisa merchant website
  2. Fill registration form
  3. Submit business documents
  4. Wait for approval

Step 2: Get Credentials

  1. Login to merchant portal
  2. Find API credentials
  3. Copy Store ID, Username, Password

Step 3: Configure in ZAL ULTRA

  1. Enter all credentials
  2. Test in Sandbox
  3. Switch to Live

Transaction Fees ​

What Are Transaction Fees? ​

Transaction fees are additional charges you can add to online payments to cover:

  • Gateway charges (charged by payment provider)
  • Service fees
  • Processing costs

Fee Types ​

Fixed Fee ​

What It Is: Same amount charged every time.

Examples:

  • 10 BDT per transaction
  • 50 PKR per transaction
  • 20 KES per transaction

Best For:

  • Small payments
  • Predictable costs
  • Simple pricing

Percentage Fee ​

What It Is: Fee based on payment amount.

Examples:

  • 2% of payment amount
  • 2.5% of transaction
  • 3% processing fee

Best For:

  • Large payments
  • Variable amounts
  • Covering percentage-based gateway charges

Fee Calculation Examples ​

Fixed Fee Example:

  • Package Price: 1000 BDT
  • Transaction Fee: 20 BDT (fixed)
  • Total Charged: 1020 BDT

Percentage Fee Example:

  • Package Price: 1000 BDT
  • Transaction Fee: 2% (percentage)
  • Total Charged: 1020 BDT (1000 + 20)

Should You Charge Transaction Fees? ​

Charge Fees When:

  • ✅ Gateway charges are high
  • ✅ Need to cover costs
  • ✅ Industry standard in your area
  • ✅ Subscribers understand

Don't Charge Fees When:

  • ❌ Want to encourage online payments
  • ❌ Competitors don't charge
  • ❌ Gateway fees are low
  • ❌ Absorbing cost as business expense

Testing vs Production ​

Sandbox (Test Mode) ​

What It Is: Testing environment with fake money.

Features:

  • ✅ No real money charged
  • ✅ Test all payment flows
  • ✅ Use test credentials
  • ✅ Use test accounts
  • ✅ Safe to experiment

When to Use:

  • Initial setup
  • Testing integration
  • Training staff
  • Troubleshooting

Live (Production Mode) ​

What It Is: Real environment with real money.

Features:

  • ✅ Real transactions
  • ✅ Real money charged
  • ✅ Use live credentials
  • ✅ Actual payments received

When to Use:

  • After successful testing
  • For actual business
  • When ready to accept payments

Testing Checklist ​

Before going live, test:

  • [ ] Payment page loads correctly
  • [ ] All payment methods visible
  • [ ] Can select package
  • [ ] Payment form works
  • [ ] OTP/PIN verification works
  • [ ] Payment confirmation received
  • [ ] Package activated automatically
  • [ ] Receipt generated
  • [ ] Email/SMS notification sent
  • [ ] Transaction recorded in system

Best Practices ​

Security ​

  • ✅ Never share API credentials
  • ✅ Use HTTPS/SSL (required for payments)
  • ✅ Keep credentials encrypted
  • ✅ Regularly change passwords
  • ✅ Monitor transactions for fraud
  • ✅ Enable webhook notifications
  • ✅ Test in Sandbox first

Multiple Gateways ​

Why Use Multiple?

  • ✅ More payment options for subscribers
  • ✅ Backup if one gateway is down
  • ✅ Different methods for different users
  • ✅ Better conversion rates

Recommended Combinations:

Bangladesh:

  • bKash (mobile wallet)
  • SSLCommerz (cards + wallets)

India:

  • Razorpay (UPI + cards + wallets)

Pakistan:

  • Easypaisa (mobile wallet)
  • SSLCommerz (cards)

Kenya:

  • M-Pesa (mobile money)
  • Paystack (cards)

Nigeria:

  • Paystack (cards + bank transfer)

Transaction Fee Strategy ​

Option 1: No Extra Fee

  • Absorb gateway costs
  • Encourage online payments
  • Competitive advantage

Option 2: Cover Exact Costs

  • Charge what gateway charges you
  • Break even on fees
  • Transparent pricing

Option 3: Add Service Fee

  • Charge more than gateway fee
  • Additional revenue
  • Cover processing costs

Customer Communication ​

Be Transparent:

  • ✅ Show total amount before payment
  • ✅ Explain transaction fees clearly
  • ✅ Display all charges upfront
  • ✅ Provide receipt after payment
  • ✅ Send confirmation SMS/email

Payment Page Should Show:

  • Package name and price
  • Transaction fee (if any)
  • Total amount to pay
  • Available payment methods
  • Secure payment badge

Troubleshooting ​

Payment Failed ​

Common Causes:

  1. ⚠️ Insufficient balance in wallet/account
  2. ⚠️ Wrong PIN/OTP entered
  3. ⚠️ Gateway is down
  4. ⚠️ Network timeout
  5. ⚠️ Invalid credentials in settings

Solutions:

  1. ✅ Ask subscriber to check balance
  2. ✅ Verify gateway status
  3. ✅ Check credentials are correct
  4. ✅ Check Mode (Sandbox vs Live)
  5. ✅ Review gateway logs

Gateway Not Showing ​

Check These:

  1. ✅ Gateway Status is enabled
  2. ✅ Credentials entered correctly
  3. ✅ Mode set correctly (Sandbox/Live)
  4. ✅ SSL certificate installed
  5. ✅ No browser errors

Payment Received But Package Not Activated ​

Possible Reasons:

  1. ⚠️ Webhook not configured
  2. ⚠️ Callback URL incorrect
  3. ⚠️ Package out of stock
  4. ⚠️ Subscriber account issue

Solutions:

  1. ✅ Configure webhooks in gateway portal
  2. ✅ Verify callback URL
  3. ✅ Check package availability
  4. ✅ Manually activate package
  5. ✅ Contact gateway support

Summary Table ​

GatewayCountryBest ForSetup DifficultyTransaction FeePopular Methods
bKashBangladeshMobile wallet usersEasy1.5-2%Mobile wallet
SSLCommerzBangladeshAll payment typesMedium2-3%Cards, wallets, banks
PaystackAfricaCards & transfersEasy1.5-2%Cards, bank transfer
RazorpayIndiaUPI & cardsMedium2%UPI, cards, wallets
M-PesaKenyaMobile moneyMedium1-2%Mobile money
EasypaisaPakistanMobile walletEasy1.5-2%Mobile wallet

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