BCL is your shop. Bayarcash is your cashier.
You show what you sell on BCL. Your customer pays through Bayarcash. Bayarcash puts the money in your bank, and BCL writes down every sale for you.
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Where your money goes
Think of a stall at a pasar malam. BCL is the stall and the order book. Bayarcash is the cashier. The money never sits with BCL.
Practise first in Test Mode
Like a dry run before opening day. You can start today, before Bayarcash approves you.
Every new BCL account starts in Test Mode. Build your form, pay on it yourself and see the order show up in Transactions. It is pretend money, so nobody is charged.
To take real money, you need a Bayarcash merchant account that is approved. Once it is, connect it under Platform Setup → Payment and turn Test Mode off. Your forms stay the same, so you can sell for real that same day.
One thing to know: QR Terminal always takes real money, even in Test Mode.
Two logins, two jobs
You have two doors. One is for selling, one is for your money.
Money questions (sign-up, KYC, payouts, turning on payment methods) go to Bayarcash. Selling questions (forms and orders) are answered in the BCL guides and the Help Chat in the app.
bcl.my
The selling door. Your forms, payment links, events, bookings, affiliates, automations, shipping, e-invoices, customers and orders.
The Bayarcash Console
The money door. Your sign-up and approval, payouts, the bank account you get paid into, payment methods and the token that links it to BCL.
How your customers can pay
FPX and DuitNow QR work as standard. Bayarcash turns on the other ways to pay when you ask them, and on each form you tick the ones you want. Prices are in RM.
- Cash on Delivery
- Manual Bank Transfer
Who your customer talks to
They bought from you, so they talk to you. Just like a shop.
Orders, delivery, bookings and refunds are between you and your customer. BCL and Bayarcash cannot send the parcel or change the order for you. Your contact details are on every receipt, so keep your Company Profile up to date.
Customers can also find their own orders, receipts, tickets and downloads in the Customer Portal. No password: they get a one-time code by email, SMS or WhatsApp.
Giving money back
BCL keeps the record but never holds the money, so it cannot send money back for you.
There is no refund button. Send the money back yourself, for example by bank transfer, and put the BCL order number in the reference.
Then open the order in Transactions, tap Update Status and choose Cancel. The stock and the coupon use come back, and the sale no longer counts as paid. Now your records match your bank.
What BCL cannot do yet
Better to know now than after you build.
- No one-click upsell, and no extra offer added at checkout.
- No paying part now and the rest later. Pay later (once Bayarcash turns it on) is the only way for a customer to split a payment.
- No card payments that repeat on their own. For regular payments, use Direct Debit.
- No refund button (see above).
Questions owners ask
Whether BCL holds your money, who to ask about payouts, refunds and features not built yet.
What is BCL, and how does it work with Bayarcash?
BCL is a no-code selling platform for Malaysian small businesses: you build payment forms, payment links, tickets and bookings, share one link and see every sale. Bayarcash is the payment gateway behind it: it collects the payment and pays it out to your bank, minus its fee. To take real payments you need an approved Bayarcash merchant account.
Can I start before my Bayarcash account is approved?
Yes. New accounts start in Test Mode, so you can build and try your forms first. Test payments go to the Bayarcash sandbox and nothing is charged. Your forms keep working after you connect Bayarcash.
Why do I have two logins?
You sign in to BCL at bcl.my for your forms, orders and customers. You sign in to the Bayarcash Console for your gateway account, payouts and payment channels. Registration, approval and payouts are handled by Bayarcash.
Which payment methods can my customers use?
FPX online banking, DuitNow QR and cross-border QR (Singapore, Indonesia, Thailand and China) come as standard. Cards (Visa and Mastercard), e-wallets (Touch 'n Go eWallet, Boost, GrabPay) and Buy Now Pay Later (SPayLater, PayLater by Grab, Boost PayFlex) appear once Bayarcash switches them on for your account. Prices are in RM.
Does BCL ever hold my money?
No. Every payment on a BCL form goes through your own Bayarcash account, and Bayarcash pays it out to your bank. BCL records the sale and sends the receipt.
Who do I ask about my payout or my Bayarcash approval?
Bayarcash. Registration, approval, payouts, your payout bank account and switching on payment channels are all handled by Bayarcash, not in BCL.
How do refunds work?
BCL has no refund button. Return the money to your customer yourself (for example by bank transfer), then cancel the order in BCL so your records match.
Can I add an upsell or split a price into two payments?
Not today. BCL has no one-click upsell and no extra offer at checkout. It also cannot take part of a price now and the rest later. Buy Now Pay Later, once Bayarcash switches it on, is the only way for a buyer to pay over time.
Step-by-step guides
Set it up with the help pages on docs.bcl.my.
Ready when you are.
Set up your first form today and try it out. When you are ready for real payments, connect Bayarcash and the same form goes live.