# What is Bayarcash, and how is it different from BCL?

> Bayarcash is the payment gateway that collects your money. BCL is a separate selling platform that uses Bayarcash behind it.
>
> Source: https://docs.bayarcash.com/what-is-bayarcash/

Bayarcash is a payment gateway. It collects payments from your customers and pays the money out to your bank account. BCL (formerly Bayarcash Link) is a separate product from the same company, where you build payment pages and forms. BCL uses Bayarcash to collect its payments.

## What each one does

Pick the one that matches what you want to do:

| | Bayarcash | BCL |
|---|---|---|
| What it is | A payment gateway | A platform for selling online |
| Use it to | Accept payments on your own website or shop, through a plugin or the API | Build payment forms, payment links and landing pages without a website |
| Where you sign in | [console.bayar.cash](https://console.bayar.cash/login) | bcl.my |
| Payment methods | Set on your Bayarcash account | Uses the payment methods on your Bayarcash account |
| Help | This help centre | [docs.bcl.my](https://docs.bcl.my) |

## What you can do with Bayarcash

Bayarcash gives you these tools.

### Take payments

- [Payment methods](https://docs.bayarcash.com/payment-channels/): FPX, DuitNow, cards, e-wallets and buy now pay later.
- [Customers from abroad](https://docs.bayarcash.com/cross-border-channels/): QRIS, NETS, PromptPay, Alipay and WeChat Pay.
- [Direct Debit](https://docs.bayarcash.com/e-mandates/): Weekly or monthly payments after an e‑Mandate.

### Manage your money

- [Portals](https://docs.bayarcash.com/portals/): Keep each shop, form or project separate.
- [Payouts](https://docs.bayarcash.com/payout-schedule/): When the money reaches your bank account.
- [Payout calculator](https://docs.bayarcash.com/payout-calculator/): What you receive after the Bayarcash fees.
- [Merchant dashboard](https://docs.bayarcash.com/transactions/): Transactions, reports and Excel exports.

### Connect your shop or app

- [Plugins](https://docs.bayarcash.com/woocommerce/): WooCommerce, GiveWP, Fluent Forms, WHMCS and more.
- [e-Invoices](https://docs.bayarcash.com/myinvois-e-invoice/): LHDN MyInvois e-invoices from WooCommerce.
- [Developers](https://docs.bayarcash.com/developers/): The API v3, the sandbox, SDKs and n8n.

## How they work together

If you use BCL, you connect it to your Bayarcash account with your API keys. Your customer pays on a BCL page, and Bayarcash handles the payment. See [Find your API keys](/api-keys/) for where the keys are.

New to Bayarcash? Start with [Sign up for Bayarcash](/sign-up/).

## Common issues

### Do I need both Bayarcash and BCL?

No. You can use Bayarcash on its own, with your own website or shop plugin. BCL is for merchants who want a ready-made place to sell, and it needs a Bayarcash account to take real payments.

### Where do I sign in to each one?

Bayarcash is at console.bayar.cash. BCL is at bcl.my. They are separate logins.

### Who do I ask when I have a question?

Ask Bayarcash about payments, payouts, your portals and your API keys. Ask BCL about the forms, payment links and pages you build at bcl.my. BCL has its own help centre at docs.bcl.my.