# Connect your Bayarcash account

> Link BCL to your Bayarcash merchant account with your Personal Access Token and API Secret Key so your forms collect real payments.
>
> Source: https://docs.bcl.my/connect-bayarcash/

BCL collects payments through Bayarcash. To take real payments, paste your Bayarcash **Personal Access Token (PAT)** and **API Secret Key** into BCL. This is step 1 of 4 to your first sale.

Until you connect Bayarcash or turn on **Test Mode**, BCL opens the Payment Settings page each time you sign in.

## Before you start

You need two things before you connect:

- An approved Bayarcash merchant account. If you do not have one, [register as a Bayarcash merchant](https://console.bayar.cash/register-merchant) first.
- To be the BCL account owner. Only the owner can change payment settings.

> **Tip**
> If Bayarcash did not approve your account yet, turn on **Test Mode** and start to build your forms. Test payments go to the Bayarcash sandbox, and no real money moves. You do not need to edit those forms after you connect.

## Get your token and secret key

Both keys come from the Bayarcash Console:

1. Log in to the [Bayarcash Console](https://console.bayar.cash/).
2. Open the [Integration page](https://console.bayar.cash/token-secret-key).
3. Copy your **Personal Access Token (PAT)** and your **API Secret Key**.

## Connect BCL to Bayarcash

With both keys copied, connect your account in BCL:

1. In the sidebar, go to **Platform Setup** → **Payment**.

   *(Screenshot: The Platform Setup menu in the BCL sidebar, with Payment highlighted)*

2. The **Payment Settings** page opens on the **Bayarcash Setup** tab. Turn off **Test Mode**.

   *(Screenshot: The Bayarcash Setup tab with the Test Mode switch highlighted)*

3. Paste your token into **Personal Access Token (PAT)** and your key into **API Secret Key**. BCL checks both keys when you click out of each field. When they are valid, a green **Token Verified** box shows your Bayarcash merchant name and email.

   *(Screenshot: The Personal Access Token (PAT) and API Secret Key fields highlighted)*

   *(Screenshot: The green Token Verified box, which confirms your credentials are valid and ready to accept payments)*

4. When BCL verifies the keys, a **Default Portal** field appears. Choose the Bayarcash portal that receives payments when a form does not choose its own. If you only have one portal, BCL chooses it for you. See [Choose a Bayarcash portal key](/bayarcash-portal-key/).

   *(Screenshot: The Default Portal field, set to a portal, highlighted below the API Secret Key)*

5. Click **Save Configuration**.

   *(Screenshot: The Save Configuration button highlighted)*

The first time you save, BCL also copies your company details from the Bayarcash Console if your company profile has no registration number yet.

## Change your settings later

When you change the token, secret key or default portal after the first save, BCL asks for a one-time code to confirm it is you:

1. Make your change and click **Save Configuration**.
2. In **Send code via**, choose **Email** or **SMS**, then click **Send code**. BCL offers SMS only when the owner's phone number is a Malaysian (+60) number.
3. Type the code in **One-time code** and click **Verify & Save**.

Next step: [Set your gateway fees](/gateway-fees/).

## Common issues

### Bayarcash approved my account. Do I need to edit the forms I built in Test Mode?

No. On Platform Setup → Payment, paste your token and secret key, choose a Default Portal and turn off Test Mode. Forms that do not choose their own portal use the default portal.

### Why does BCL keep sending me back to the Payment Settings page?

BCL needs either a connected Bayarcash account or Test Mode turned on. Save your Personal Access Token (PAT) and API Secret Key, or turn on Test Mode to try BCL first.

### Why does BCL not show me the token fields?

Only the account owner can change payment settings. Other admins see a notice with the owner's name and email instead. Ask the owner to make the change.

### BCL shows Token Verified, but says my account is currently disabled. Why?

Your keys are correct, but Bayarcash did not enable your merchant account for payments yet, so your forms cannot take payments yet. Only Bayarcash can change this. Email support@bayarcash.com with your merchant name. When Bayarcash enables the account, go to Platform Setup → Payment. Click in the API Secret Key field, then click out of it. BCL checks the keys again and shows that they are ready to accept payments.