Merchant and Agent Numbers Explained

Three kinds of numbers

A personal number belongs to an individual wallet. A merchant number belongs to a registered business that receives payments for goods or services. An agent number belongs to a person or shop that handles cash-in and cash-out for customers. Each type has its own rules and its own way of recording a payment.

We did not confirm which payment methods BDBAJEE's cashier supports, so we will not name providers. Check the cashier inside your account for the methods and numbers it lists today.

Why the type matters

A payment sent to the wrong kind of number may not be credited to the right account. A merchant payment is usually matched through a reference, while an agent number expects cash. Sending to a personal number leaves a trail that is hard to reverse. Look at the details on the screen and match the type to the job.

• Merchant number: for payments to a business, often with a reference.
• Agent number: for cash handled at a shop.
• Personal number: for transfers between people.

Where scams begin

Scammers change numbers. They say the account is temporarily moved, or they offer a "faster" agent. They message from a chat app, give a number and ask for payment right now. The details change, but the move is the same: send money to a number you did not get from the cashier. Our guide to fake agent scams covers the pattern in detail.

Be wary of screenshots as proof. A screenshot of a number or a receipt is easy to fake, and a friendly agent in a chat can produce one in seconds. The cashier inside your account is the only place whose details you should act on.

Check before you send

Copy the number from the cashier screen, inside the brand's own site or app, and compare each digit. Check the name shown by the payment app when you enter it. If the name does not match what the cashier shows, stop. Keep the receipt or transaction ID. See payment problems for what to do when a deposit does not arrive.

A good habit is to send a very small test amount first if the cashier allows it, and confirm that it is credited before sending the full amount. That does not remove all risk, but it catches a wrong number cheaply. Check the cashier for any minimum before you try.

Think also about limits. Wallets and agents may cap what can be sent or received in a day. Those limits belong to the wallet provider, so check them in the payment app before you plan a large deposit.

What to do after a mistake

If you sent money to the wrong number, contact the payment provider immediately through its own app or helpline, and report the details. Speed matters. Also tell the site's support, from inside the account, with the transaction ID. Do not pay anyone who offers to recover it for a fee.

Write down the number, the amount, the time and the transaction ID in one note. If something goes wrong, those four details are what the provider and the site will ask for first. It takes thirty seconds and saves hours later.

Mobile wallets in general

Our mobile banking page covers wallets in general and how to see which ones a cashier lists. Remember that payment methods change, and the cashier is the only reliable source.

If a number looks unfamiliar, search for nothing and ask nobody in a chat. Open BDBAJEE's own site or app, log in yourself and read the details there. If the cashier lists no method you can use, wait rather than improvise.