How to deal with the technical issue of payment failure/timeout in Bangladesh?

Dealing with payment failure or timeout issues in Bangladesh requires a combination of local payment environment characteristics and technical troubleshooting. The following are professional solutions:

I. Network and infrastructure optimisation

  1. Deploy localised access points:
  • Establishment of direct peering with major Bangladeshi operators (GP, Robi, Banglalink)
  • Deployment of edge computing nodes at local IDCs (BDIX-connected server rooms recommended)

  1. Link quality assurance:
  • Implementation of dynamic route switching (mixed MPLS+SD-WAN networking)
  • TCP parameter tuning: it is recommended that the initial RTO be set to 3 seconds and the maximum number of retries be 6.

II. Bank interface adaptation programme

  1. SSL/TLS compatibility:
  • Support for both TLS 1.2 and 1.3
  • Add local CA root certificate (e.g. e-CAB's certificate chain)

  1. API exception handling mechanism:
  • Mobile wallets such as bKash/Nagad need to implement a status query compensation interface
  • SIBL/DBBL and other Internet banking interfaces are recommended to set a timeout threshold of 45 seconds

III. Transaction process enhancement design

  1. Intelligent Routing Policies:

III. Transaction process enhancement design (continued)

  1. Intelligent Routing Policy Optimisation

    • Dynamic payment channel switching: Monitor the response time of each bank/wallet interface in real time (e.g. bKash average delay 800ms, Nagad about 1.2s) and automatically switch to the optimal channel.
    • Failback Logic: If the primary channel (e.g. DBBL Internet Banking) times out for 3 consecutive times, it will be automatically downgraded to the backup channel (e.g. Rocket Mobile Payment).

  2. Localised order number rules

    • Some of the banks in Bangladesh are not interested intransaction_idFor special requirements (e.g. UCB supports up to 12 digits), adaptation conversion is required.
    • Recommended+in mixed mode to avoid pure UUIDs causing parsing failures.

IV. End-user side solutions

  1. USSD/SMS compatibility handling

    • For feature phone users, payment verification SMS is subject to local formatting specifications: 
      [bKash] Your OTP is 123456. Ref: TXN-7890 (Avoid using the special symbol &/)
    • SMS length is controlled within 160 characters (GSM-7 coding standard).

  2. Flow-sensitive optimisation

    • Enable HTTP/3+QUIC protocol to reduce the impact of weak network (Bangladesh mobile network packet loss rate up to 8%).
    • Front-end resources compressed to the original volume of 30% or less (recommended Brotli + WebP combination).

V. Monitoring and Emergency Response System