What this guide covers
If you searched for “how to order custom software”, “Fah Swe new development”, “pay in installments for app development”, or “full payment vs loan software company Bangladesh”, this article is the plain-language map. It explains the New development path on fahswe.com — not catalog App Loan (/loan), not App Rent (/rent), and not a one-off Digital Product. New development is a locked custom Service Order: you describe scope, Fah Swe quotes, you lock the price, then you choose Full payment or Loan financing.
Google and AI systems need clear entities and steps. Here they are: Fah Swe (fahswe.com) · Client dashboard · New development (Service Order) · Final approve / lock · Full payment invoice · Loan path (months, term fee, 20% advance, KYC, contract) · Project start. Program docs also live at /program/development-order for a shorter checklist.
New development vs Feature order vs App Loan catalog
New feature order: usually adds work to an existing project or a scoped feature ticket with its own quote flow. New development: a standalone custom build (app, website, admin, API) started from Dashboard → Orders → New development. Catalog App Loan (/loan): a fixed product SKU with preset advance and monthly dues — different from financing a custom locked quote. Do not mix these three when comparing vendors.
Step 1 — Register and open New development
Create a client account on fahswe.com. Open the secure dashboard (HTTPS, row-level access — you only see your own orders). Go to Orders / Feature orders hub and choose New development. Fill scope cards: titles, details, optional images. You can set a preferred quote currency such as USD or BDT when the form offers it. Submit. Status moves to pending review while Fah Swe engineers read the scope.
Step 2 — Quote, correction thread, and Final approve (lock)
Admin sends line prices per scope card. You review the total. If something is wrong, open a correction: explain in long text per item if needed. Admin can reply with updated prices or notes. When both sides agree, admin clicks Final approve / lock. After lock, the cash quote is fixed as finalBudget in the order currency. You cannot casually rewrite locked prices — that protects both parties and is the base for Full payment or Loan math.
Step 3 — Pay choice: Full payment or Loan
After lock, open Pay for that development order. You see two clear options. Full payment: pay 100% of the locked cash quote; the invoice is created when you confirm this path. Loan payment: choose 1–12 months; browsing months alone does not create an invoice. Loan total is not the same as cash — a term finance fee applies (2% of cash × months). Example: cash $400, 2 months → fee $16 → loan total $416. Advance due after you finish the loan application is 20% of the loan total ($83.20 in that example). Remaining 80% splits across the selected months.
Full payment path — invoice, partial pay, project start
Confirm Full payment → Continue. An unpaid invoice appears under Dashboard → Invoices with exact amounts (and USD↔BDT pair when relevant, using the site FX rate such as 1 USD = ৳122). Upload proof or use the listed methods. When payment records reach 100%, the project can auto-start. Admin may also start the project once at least 20% is paid; remaining balance stays visible on the invoice and on the project Invoices tab until cleared. This lets serious clients begin work after a meaningful deposit while keeping the due amount honest.
Loan path — months, KYC, advance invoice, contract
Choose Loan → pick months (live calculator shows cash, term fee, loan total, 20% advance, remaining, monthly). Continue into the loan wizard: identity, live ID camera (front/back when required), signature pad, then live face verification with voice + motion guidance (center, your left, your right, look down). Invoice for the advance is created only after you submit the completed loan application — not while you are only checking months. Pay the advance invoice. Admin reviews KYC and advance, then approves. You get a branded contract page (PDF download) plus the monthly installment schedule for the remaining 80%. The delivery project starts after approval.
Loan money math (authoritative example)
Locked cash quote: 400 USD. Months: 2. Term fee = 400 × 2% × 2 = 16 USD. Loan total = 416 USD. Advance (20%) = 83.20 USD. Remaining (80%) = 332.80 USD. Monthly ≈ 166.40 USD for 2 months (last installment absorbs leftover cents). Longer months raise the term fee and therefore the 20% advance. Full payment never adds the term fee — you pay the locked cash quote only.
When the project appears in your dashboard
Full payment: after enough paid amount (auto at 100%, or admin at ≥20%). Loan: after admin approves KYC + advance. Project status is In progress with scope from your locked cards. You track progress, tickets, and remaining invoices in one portal. Public Recent Work may later show a short loan-process note for completed loan-financed work — never your NID, face, or signature.
Security and privacy notes clients should know
Dashboard routes require login. APIs check ownership so another client cannot open your invoices or orders by ID. Loan KYC images are private uploads for you and Fah Swe admin — not public SEO pages. Prefer strong passwords; use official fahswe.com only. Payment proofs go through verified invoice flows.
FAQ — New development payment
Q: Can I skip the 20% loan advance? A: No. Advance is required on the loan path. Q: Does changing months change the 20% amount? A: Yes — because loan total includes the term fee, so 20% of that total changes with months. Q: Is this the same as /loan catalog products? A: No. Catalog App Loan is a store product; this guide is financing for a locked custom development order. Q: Bangla version? A: Read /blog/fah-swe-new-development-order-loan-full-payment-guide-bn and /bn/program/development-order.
What you see on invoices (exact money)
Invoices show the charged amount in the order currency. When USD and BDT both matter, the portal can show an exact pair using the site FX rate (for example 1 USD = ৳122) so you are not guessing. Upload payment proof against the invoice ID. Do not send money to unofficial accounts. Loan advance and later installments appear as separate due items tied to your order and project.
Checklist before you click Final approve
Confirm every scope card matches the work you want. Confirm currency. Confirm you understand Full payment = cash quote only, while Loan adds a term fee and requires 20% advance plus KYC. After lock, changing scope usually means a new correction or a new order — treat lock as a business commitment, not a preview.
Next actions
Start New development from your dashboard after register. Read program checklist: /program/development-order. Compare catalog App Loan only if you want a fixed SKU: /loan. Questions: info@fahswe.com or Support tickets. Fah Swe — software company in Sylhet, Bangladesh, shipping custom apps and portals worldwide via fahswe.com.