bKash Personal vs Merchant vs Agent: Which Account Type is Best for Your Business?

One of the most common questions new merchants ask is: "Should I use my personal bKash number, get a merchant account, or use an agent SIM?" Each account type has distinct advantages, limits, and fee structures.

1. Personal bKash Account (Send Money)

Best for: Startups, small boutiques, freelancers, and stores doing under ???200,000 monthly.

• Zero setup paperwork (just your personal NID).
• Free to receive Send Money from other personal users.
• Monthly limits: Standard personal accounts allow up to ???200,000 per month.

2. bKash Merchant Account (Payment)

Best for: Established registered businesses with Trade Licenses and high transaction volumes.

• Customer pays via "Make Payment" (no Send Money charge for the customer).
• Requires Trade License, TIN, and bank account for setup.
• Higher transaction limits (up to several lakh BDT daily).

3. bKash Agent Account (Cash In)

Best for: High-volume stores and wholesalers handling large BDT volumes.

• Customers pay via "Cash In".
• Generates commission on transactions rather than incurring fees.

How FuturePay Supports All Three

FuturePay doesn't force you into one box. In your Merchant Dashboard, you can simultaneously configure Personal, Payment, and Agent numbers. The checkout automatically presents the appropriate instructions and parses the specific SMS templates for each account type.