Rules for creating payment gateway of bkash

If you want to setup Bkash Payment Gateway you need to follow some steps. Below I am giving a step by step guide on how you can integrate Bkash Payment Gateway. For this we will use Bkash's Merchant API.

1. Essentials for Bkash API Integration
Bkash Merchant Account: You must have a Bkash Merchant Account. If not you can apply for Bkash Merchant.
API Credentials: Bkash will provide you API Username, API Password, App Key, and App Secret after Merchant Account setup.
SSL Certificate: An SSL certificate is mandatory for Bkash payment gateway.
Webhook URL: You need to set a Webhook URL to receive payment notifications.
2. Payment Gateway Integration Process
Step 1: Environment Setup
First setup your PHP environment or any other server-side environment.

composer.json file (if using PHP)
json
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{
"require": {
"guzzlehttp/guzzle": "^7.0"
}
}
Then run composer install.

ধাপ ২: ফাইল এবং ডিরেক্টরি স্ট্রাকচার
plaintext
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project-root/
├── index.php
├── bkash/
│ ├── config.php
│ ├── token.php
│ ├── create_payment.php
│ ├── execute_payment.php
│ └── query_payment.php
└── success.php
ধাপ ৩: Bkash API Configuration (bkash/config.php)
php
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return [
'base_url' => 'https://checkout.sandbox.bka.sh/v1.2.0-beta',
'username' => 'YOUR_BKASH_USERNAME',
'password' => 'YOUR_BKASH_PASSWORD',
'app_key' => 'YOUR_APP_KEY',
'app_secret' => 'YOUR_APP_SECRET',
'callback_url' => 'https://fqrhost.com/success.php'
];
?>
ধাপ ৪: Access Token Generate (bkash/token.php)
php
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$config = include('config.php');

function generateToken() {
global $config;
$url = $config['base_url'] . '/checkout/token/grant';
$headers = [
'Content-Type:application/json',
'username:' . $config['username'],
'password:' . $config['password']
];

$data = [
    'app_key' => $config['app_key'],
    'app_secret' => $config['app_secret']
];

$curl = curl_init($url);
curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
curl_setopt($curl, CURLOPT_POST, true);
curl_setopt($curl, CURLOPT_POSTFIELDS, json_encode($data));
curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

$result = curl_exec($curl);
curl_close($curl);

$response = json_decode($result, true);
return $response['id_token'];

}

$token = generateToken();
?>
ধাপ ৫: Create Payment (bkash/create_payment.php)
php
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include('token.php');

function createPayment($amount) {
global $config, $token;
$url = $config['base_url'] . '/checkout/payment/create';
$headers = [
'Content-Type:application/json',
'authorization:' . $token,
'x-app-key:' . $config['app_key']
];

$data = [
    'amount' => $amount,
    'currency' => 'BDT',
    'intent' => 'sale',
    'merchantInvoiceNumber' => 'INV-' . uniqid(),
    'callbackURL' => $config['callback_url']
];

$curl = curl_init($url);
curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
curl_setopt($curl, CURLOPT_POST, true);
curl_setopt($curl, CURLOPT_POSTFIELDS, json_encode($data));
curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

$result = curl_exec($curl);
curl_close($curl);

return json_decode($result, true);

}

$response = createPayment(1000); // ১০০০ টাকা পেমেন্ট
header('Location: ' . $response['bkashURL']);
?>
ধাপ ৬: Execute Payment (bkash/execute_payment.php)
php
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include('token.php');

function executePayment($paymentID) {
global $config, $token;
$url = $config['base_url'] . '/checkout/payment/execute/' . $paymentID;
$headers = [
'Content-Type:application/json',
'authorization:' . $token,
'x-app-key:' . $config['app_key']
];

$curl = curl_init($url);
curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

$result = curl_exec($curl);
curl_close($curl);

return json_decode($result, true);

}

if (isset($_GET['paymentID'])) {
$response = executePayment($_GET['paymentID']);
echo '

$data = [
    'app_key' => $config['app_key'],
    'app_secret' => $config['app_secret']
];

$curl = curl_init($url);
curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
curl_setopt($curl, CURLOPT_POST, true);
curl_setopt($curl, CURLOPT_POSTFIELDS, json_encode($data));
curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

$result = curl_exec($curl);
curl_close($curl);

$response = json_decode($result, true);
return $response['id_token'];

';
}
?>
Step 7: Success Page (success.php)
php
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echo "Payment Successful!";
?>
3. System Testing
You can test your system using Bkash's Sandbox Environment.
To use Production Mode, update your API Key and URL from Bkash.
4. Webhook setup (optional)
Bkash can use Webhook URL for payment updates. A notification will be sent to you with payment information.

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