Payments and Delivery

Lokzon gives you everything you need to collect payments from customers and ship orders across Bangladesh. You can set up online payment gateways, accept manual mobile payments, manage your earnings in the Lokzon wallet, and connect courier services for delivery — all from your dashboard.

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Part 1: Payment Methods Overview

Customers can pay you in several ways:

• Online payment gateways — AamarPay, bKash, or SSLCommerz. The customer pays on a secure checkout page and the money goes directly into your Lokzon wallet.
• Manual mobile payments — You list your personal bKash, Nagad, or Rocket number. The customer sends money and submits the transaction ID; you verify and approve in your dashboard.
• Cash on Delivery (COD) — The customer pays in cash when the courier delivers the parcel.

You can enable any combination. Most stores turn on at least one online gateway and COD for customers who prefer cash.

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Part 2: Setting Up Online Payment Gateways

2.1 Where to Go

Open /dashboard/finance/gateways. The page is organized into clear sections:

• Top section — Toggle each gateway on or off.
• COD card — Turn cash on delivery on or off.
• Advance Payment (COD) — Decide how much to collect upfront when a customer chooses COD.
• Self MFS Accounts — Add your personal bKash, Nagad, or Rocket numbers for manual payments.

2.2 Before You Start

For each gateway, you will need credentials from that gateway's merchant dashboard:

• AamarPay — Sign up at aamarpay.com and get your Store ID and Signature Key from your merchant account.
• bKash — Apply for a bKash Merchant account. You will get an App Key, App Secret, Username, Password, and Merchant Account Number.
• SSLCommerz — Sign up at sslcommerz.com and get your Store ID and Store Password.

If you do not have a merchant account yet, you can use the sandbox environment to test the checkout flow without real money. Switch to live when you are ready to accept real payments.

2.3 Configuring AamarPay

1. On the gateways page, click the AamarPay card.
2. The configuration dialog opens.
3. Select the environment: Sandbox (for testing) or Live (for real payments).
4. Enter your Store ID from your AamarPay merchant dashboard.
5. Enter your Signature Key from your AamarPay merchant dashboard.
6. Click Verify credentials. The system checks the credentials against AamarPay's servers.
7. If verification succeeds, click Save. The card now shows "Configured" or "Verified".

2.4 Configuring bKash

1. Click the bKash card.
2. Select Sandbox or Live.
3. Enter your credentials:
   • App Key
   • App Secret
   • Username
   • Password
   • Merchant Account Number
4. Click Verify credentials.
5. Once verified, click Save.

2.5 Configuring SSLCommerz

1. Click the SSLCommerz card.
2. Select Sandbox or Live.
3. Enter your Store ID.
4. Enter your Store Password.
5. Click Verify credentials.
6. Once verified, click Save.

2.6 Enabling a Gateway at Checkout

After saving credentials, flip the toggle on the gateway card to make it appear as a payment option at checkout. If you try to enable a gateway without saving valid credentials first, the configuration dialog will pop up automatically.

2.7 Cash on Delivery (COD)

In the COD card, flip the toggle to enable or disable cash on delivery. When enabled, customers see "Cash on Delivery" as an option at checkout.

2.8 Advance Payment on COD (Optional)

Some stores want to collect a partial payment upfront on COD orders to reduce fake or unconfirmed orders. To enable this:

1. Find the Advance Payment (COD) card.
2. Pick the mode:
   • Disabled — no advance required for COD.
   • Full — customer must pay the full amount online before choosing COD.
   • Delivery Charge Only — customer pays the delivery fee in advance, rest on delivery.
   • Percentage — customer pays a fixed percentage of the order total in advance.
   • Fixed amount — customer pays a fixed amount in advance (in ৳).
3. If you chose Percentage or Fixed, enter the value.
4. Optionally write a custom message that customers see at checkout (up to 255 characters).
5. Click Save.

Note: COD must be enabled for advance payment on COD to work.

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Part 3: Manual Mobile Payments

If you do not have a merchant account, you can still accept payments through your personal bKash, Nagad, or Rocket account. Customers send money to your number, paste the transaction ID at checkout, and you verify it in your dashboard.

3.1 Add a Manual MFS Account

1. On the gateways page, scroll to the Self MFS Accounts section.
2. Click Add Account.
3. Fill in:
   • Provider — bKash, Nagad, or Rocket.
   • Display name — what customers see (e.g., "Primary bKash", "Nagad Backup").
   • Mobile number — the number customers will send money to.
4. Click Save.

You can add multiple accounts for the same provider if needed.

3.2 What Customers See at Checkout

When a customer chooses manual payment, the checkout page shows:

• The provider and your display name.
• Your mobile number to send money to.
• An instruction to enter the transaction ID (TrxID) after sending.
• A field to paste the transaction ID.

3.3 Approving or Rejecting Manual Payments

Open /dashboard/finance/manual-payments to see all pending manual payment submissions. Each row shows:

• The customer's name and order ID.
• The amount claimed.
• The MFS provider and your account.
• The transaction ID the customer pasted.
• The submission date.

For each pending submission, you have two actions:

Approve

1. Click the row to see full details.
2. Check the Amount received field. The system fills in the amount the customer claimed — adjust it if the actual amount differs.
3. Add an optional note (for your records).
4. Click Approve Payment. The order is marked as paid and your wallet is credited.

Reject

1. Click Reject Payment on the row.
2. Pick a rejection reason from the dropdown, or select "Other" and type a custom reason.
3. Click Confirm Rejection. The customer is notified with your reason.

3.4 Common Rejection Reasons

• "Wrong transaction ID" — the TrxID does not exist or was mistyped.
• "Amount not received" — the customer did not actually send the money, or sent the wrong amount.
• "Duplicate submission" — the same TrxID was used for multiple orders.

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Part 4: Your Lokzon Wallet

The wallet holds the money you have earned from sales. You can view your balance, see transaction history, and request withdrawals.

4.1 Who Can Use the Wallet

The Lokzon wallet is not automatically available. To use it, three conditions must all be true:

1. Your store has been created and is active.
2. Your wallet has been activated by submitting the activation form with your KYC details.
3. Lokzon has reviewed and approved your activation.

Until all three are met, the wallet page shows a different state depending on where you are:

• Not yet activated — you see the activation form.
• Activated but pending review — you see a "pending approval" message.
• Activated but rejected — you see the rejection reason and an option to resubmit.

When your wallet is approved, the balance section, transaction history, and withdrawals page all become active. Until then, you cannot receive payouts and the withdrawal page is unavailable.

4.2 Where to Find It

Open /dashboard/finance/wallet.

4.3 Activating Your Wallet

Before you can receive payouts, your wallet must be activated. The activation form asks for:

• Your full legal name.
• Your phone number.
• Your email address.
• Your date of birth.
• Your national ID or passport number.
• Identity document upload (NID or passport photo).
• Payout method — Bank transfer or MFS.
• Payout details — for bank: bank name, account holder name, account number, branch. For MFS: provider and mobile number.

After submitting, Lokzon reviews and approves. You will be notified when your wallet goes live.

4.4 What You Can Do Without an Approved Wallet

While your wallet is pending or rejected, you can still:

• Continue accepting manual mobile payments (bKash, Nagad, Rocket) directly to your personal number.
• Continue accepting cash on delivery.
• Continue accepting payments through AamarPay, bKash, or SSLCommerz — these payments are held by the gateway until your wallet is approved.

You cannot:

• See balance, pending amount, or total withdrawn.
• View transaction history.
• Request withdrawals.

4.5 Wallet Balances

Once approved, your wallet shows three balances:

• Available — money you can withdraw right now.
• Pending — money from recent orders that are still being processed.
• Total Withdrawn — all the money you have taken out so far.

4.6 Transaction History

Below the balances, you see a list of recent transactions — every credit (sale, refund) and debit (withdrawal, fee) affecting your balance. Click any entry to see more details.

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Part 5: Withdrawing Your Earnings

5.1 Who Can Request a Withdrawal

You can only request a withdrawal once your Lokzon wallet has been activated and approved (see Part 4). Until then, the withdrawals page shows a message that the feature is unavailable until your wallet is approved. If your activation was rejected, you must resolve the rejection (or resubmit) before you can withdraw.

5.2 Where to Request a Withdrawal

Open /dashboard/finance/withdrawals.

5.3 Request a Withdrawal

1. Click Request Withdrawal.
2. Enter the amount you want to withdraw. The page shows your available balance and any minimum or maximum limits.
3. The payout method defaults to whatever you set in your wallet activation.
4. Optionally add a remark (for your records).
5. Review the fee estimate. Lokzon shows the percentage fee and the amount you will actually receive.
6. Click Submit.

The system checks:

• The amount is within the allowed minimum and maximum.
• The amount does not exceed your available balance.

If everything checks out, your withdrawal request is submitted and your pending balance decreases.

5.4 Tracking Withdrawals

After submitting, your request appears in the withdrawals list with a status:

• Pending — submitted, waiting to be processed.
• Processing — being processed by Lokzon.
• Completed — money has been sent to your bank or MFS account.
• Rejected — could not be processed (with a reason).

5.5 Withdrawal Fees

A small fee may apply depending on your payout method. The exact fee percentage is shown on the withdrawal form before you submit. The fee is deducted from the withdrawal amount.

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Part 6: Connecting a Courier Service

Lokzon connects natively with three major courier services in Bangladesh:

• RedX
• Pathao Courier
• Steadfast

When you connect a courier, you can create parcels from your order page, print shipping labels, track deliveries, and update customers — all from your dashboard.

6.1 Where to Go

Open /dashboard/deliveries. If you have not connected any courier yet, you see a setup prompt. If you have, you see the courier management page.

6.2 Connecting RedX

1. On the deliveries page, click Connect Courier (or the RedX option).
2. Enter your API Key from your RedX merchant dashboard.
3. Enter your API Secret from your RedX merchant dashboard.
4. Click Verify Credentials.
5. Once verified, save the connection.

RedX exposes a cancellation API, so you can cancel a parcel from Lokzon as long as it has not yet been picked up.

6.3 Connecting Pathao

1. Click the Pathao option.
2. You will be redirected to Pathao's OAuth login page.
3. Sign in with your Pathao merchant account and authorize Lokzon.
4. After authorization, you are redirected back to Lokzon.
5. Select your pickup store from the list of stores in your Pathao account.
6. Click Save.

Pathao does not expose a merchant-triggerable cancel endpoint, so cancellations after pickup must be handled from the Pathao merchant panel.

6.4 Connecting Steadfast

1. Click the Steadfast option.
2. Enter your API Key from your Steadfast merchant dashboard.
3. Click Verify Credentials.
4. Once verified, save the connection.

Steadfast does not expose a merchant-triggerable cancel endpoint. Cancellations after pickup must be handled from the Steadfast merchant panel.

6.5 What Happens After Connecting

Once a courier is connected:

• A new parcel creation form appears on the deliveries page.
• You can select the courier, choose a delivery area, enter the parcel weight and cash collection amount, and add delivery instructions.
• The courier is also available when you click Ship Order from the orders page.
• The courier fetches its delivery areas automatically — you do not need to type area names manually.
• A Sync button refreshes the courier's delivery areas and tracking status when needed.

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Part 7: Creating and Managing Parcels

7.1 Create a Parcel from the Deliveries Page

1. Open /dashboard/deliveries.
2. Click Create Parcel.
3. Fill in:
   • Delivery partner — choose from your connected couriers.
   • Order ID (optional) — link the parcel to an existing order.
   • Recipient name and phone number.
   • Delivery area — pick from the courier's list of areas.
   • Full address.
   • Parcel weight in kg.
   • Cash collection amount — how much the courier should collect from the customer (for COD orders).
   • Special instruction (optional) — e.g., "Call before delivery".
4. Click Create.

The courier assigns a tracking ID. The parcel appears in your parcel list with status (e.g., "Pending Pickup", "In Transit", "Delivered").

7.2 Create a Parcel from an Order

When viewing an order, click Ship Order. A dialog opens with the recipient details pre-filled from the order. Choose the courier, area, and weight, then click Create Parcel. The tracking ID is added to the order automatically.

7.3 Download Shipping Label and Invoice

For any parcel in your list, click the parcel row to see:

• A Download Label button — prints a sticker with the recipient address, tracking ID, and barcode.
• A Download Invoice button — prints a customer-facing invoice with order details.

7.4 Track Parcels

Each parcel shows its current status from the courier. Click the tracking ID to see the full delivery timeline (e.g., "Picked up", "In transit to hub", "Out for delivery", "Delivered").

7.5 Cancel a Parcel

If a parcel has not been picked up yet, you can cancel it:

1. Click the parcel row.
2. Click Cancel Delivery.
3. Confirm in the dialog.

For RedX, the cancellation is sent to the courier directly. For Pathao and Steadfast, you may need to also cancel from the courier's merchant panel if the parcel has already been picked up.

7.6 Delivery Performance

The deliveries page shows a delivery success rate at the top — the percentage of parcels that were successfully delivered out of all parcels sent. This helps you track how your shipping is going.

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Part 8: Delivery Charges for Your Store

Delivery charges are what your customers pay you for shipping. You set them based on where the customer is located.

8.1 Default Delivery Charges

By default, every store has:

• Inside Dhaka charge — ৳70
• Outside Dhaka charge — ৳130

These are used automatically when a customer places an order.

8.2 Where to Change the Charges

Delivery charges are part of your store settings. The exact location is in the Shop page in your dashboard under general settings. You can also override the delivery charge for a specific product — when adding or editing a product, you can disable "Use default shipping" and enter custom charges for that product only.

8.3 How Customers See It

At checkout, the customer enters their address and the system applies the right charge:

• If the address is in Dhaka, the Inside Dhaka charge applies.
• If the address is outside Dhaka, the Outside Dhaka charge applies.

The charge is shown as a separate line item on the order summary before payment.

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Part 9: Quick Reference

Payment Pages

Delivery Page

What You Need for Each Setup

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End of Guide

Your store now accepts payments from customers and can ship orders through trusted couriers. As orders come in, you will see them in your wallet balance, your transactions page, and your parcels list — ready to track and deliver.