{"id":2564,"date":"2025-05-11T19:24:18","date_gmt":"2025-05-11T11:24:18","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2564"},"modified":"2025-05-11T19:24:18","modified_gmt":"2025-05-11T11:24:18","slug":"%e6%83%b3%e5%81%9a%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%b8%82%e5%9c%ba%ef%bc%9f%e8%bf%99%e4%ba%9b%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%e4%bd%a0%e5%bf%85%e9%a1%bb%e6%94%af%e6%8c%81","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/11\/%e6%83%b3%e5%81%9a%e5%ad%9f%e5%8a%a0%e6%8b%89%e5%b8%82%e5%9c%ba%ef%bc%9f%e8%bf%99%e4%ba%9b%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%e4%bd%a0%e5%bf%85%e9%a1%bb%e6%94%af%e6%8c%81\/","title":{"rendered":"Want to do Bangladesh market? These are the payment methods you must support"},"content":{"rendered":"<p>When expanding your business in Bangladesh, it's crucial to choose a channel that matches local payment habits. Here are the payment methods you must support and key recommendations:<\/p>\n<h3>I. Mainstream e-wallets (essential)<\/h3>\n<ol>\n<li><strong>bKash<\/strong>(Market share 85%+)<\/li>\n<\/ol>\n<ul>\n<li>More than 60 million users, with an average daily transaction volume of 3 million transactions<\/li>\n<li>Need to integrate their enterprise API (fee 1.5-2.5%)<\/li>\n<li>Support code payment and mobile phone number transfer<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>Nagad<\/strong>(fastest growing)<\/li>\n<\/ol>\n<ul>\n<li>State-owned background, more than 50 million users<\/li>\n<li>Provision of 3D authentication payment programme<\/li>\n<li>Cross-border settlement cycle of only 3 working days<\/li>\n<\/ul>\n<h3>II. Mobile Banking Solutions<\/h3>\n<ol>\n<li>\n<p><strong>Rocket (DBBL)<\/strong><\/p>\n<ul>\n<li>Features: Support for small loan repayments<\/li>\n<li>API response time &lt;2 seconds<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Upay<\/strong>(Union Bank)<\/p>\n<ul>\n<li>B2B Large Transaction Advantages<\/li>\n<li>Separate merchant level application required<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>III. Key points of bank card network access<\/h3>\n<table>\n<thead>\n<tr>\n<th>card type<\/th>\n<th>site coverage<\/th>\n<th>PCI DSS Requirements<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Visa<\/td>\n<td>28%<\/td>\n<td>Level 1 certification<\/td>\n<\/tr>\n<tr>\n<td>Mastercard<\/td>\n<td>22%<\/td>\n<td>Token mandatory<\/td>\n<\/tr>\n<tr>\n<td>Local Q-Cash<\/td>\n<td>15%<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>It is recommended to interface with local acquirers (e.g. BRAC Bank) to reduce the rejection rate.<\/em><\/p>\n<p>IV. Cash collection programme<\/p>\n<ol>\n<li><strong>OTC payments<\/strong>\n<ul>\n<li>bKash's Cash Out service covers 120,000 agent locations<\/li>\n<li>Nagad partners with Post Office to offer collection services<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>2.<strong>Convenience Store Collections<\/strong><br \/>\nCo-operation with convenience store chains such as ShurjoMukhi<\/p>\n<p>V. Emerging trends<br \/>\n1.<strong>BNPL services<\/strong>::<br \/>\n-Dutch-Bangla Bank's EASY Pay instalment programme<br \/>\n-bKash's new Pay Later feature<\/p>\n<p>2.<strong>Cross-border remittance corridor<\/strong>::<br \/>\n-WorldRemit direct connection to bKash account<br \/>\n-SureCash's Overseas Workers Only Portal<\/p>\n<p>Implementation of recommendations:<br \/>\n1\ufe0f\u20e3 Priority access to bKash Gold Partner qualification<br \/>\n2\ufe0f\u20e3 Reserve USSD payment interface for rural users (*247#)<br \/>\n3. Use of aggregation gateways such as SSLCOMMERZ to reduce access costs<\/p>\n<p>Compliance Note: From 2024 onwards, you will need to comply with the RBI's \"Digital Payment Guidelines 3.0\", with particular attention to the requirement for localised storage of user data.<\/p>\n<p>Typical success story: the Daraz platform has led to a 371 TP3T increase in customer unit price and a 2,101 TP3T increase in rural orders through a combination of bKash + credit cards + OTC.<\/p>\n<h3><strong>VI. Direct bank connection programme (a must for high net worth clients)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>NPSB (National Payment Settlement System)<\/strong><\/p>\n<ul>\n<li>Applicable to large-value B2B transactions, with a single limit of 5 million BDT (approximately $45,000)<\/li>\n<li>Merchant qualification to be filed with RBI<\/li>\n<li>Clearing time T+1<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>EFTS (Electronic Funds Transfer System)<\/strong><\/p>\n<ul>\n<li>The preferred channel for corporate payroll<\/li>\n<li>Support batch payment (maximum 1000 payments per day)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>RTGS Real Time Gross Settlement<\/strong><\/p>\n<ul>\n<li>Suitable for high-value transactions such as real estate and bulk trading<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3><strong>VII. Rural and offline scenario solutions<\/strong><\/h3>\n<h4>*<em>(1) USSD Non-Smartphone Payment (<em>247#)<\/em><\/em><\/h4>\n<ul>\n<li>bKash's USSD Menu Deeply Optimised: Payments in just 5 steps!<\/li>\n<li>Nagad Introduces Dialectal Voice Guidance<\/li>\n<\/ul>\n<h4><strong>(2) Agent point cash recharge network<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>operator (of a power station, transport network etc)<\/th>\n<th>Number of outlets<\/th>\n<th>handling fee<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>bKash Agent<\/td>\n<td>180,000+<\/td>\n<td>1.8%<\/td>\n<\/tr>\n<tr>\n<td>Nagad Post Office<\/td>\n<td>12,500+<\/td>\n<td>0% Promotional Period<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Proposed packaging of \"zero fee cash recharge\" campaign in rural areas<\/em><\/p>\n<h4><strong>(3) MFI co-operation<\/strong><\/h4>\n<ul>\n<li>MFIs like ASA Finance can offer collection and payment services<\/li>\n<li>Grameenphone agents can be turned into mobile payment contacts<\/li>\n<\/ul>\n<h3><strong>VIII. Industry customisation programme reference<\/strong><\/h3>\n<p>1\ufe0f\u20e3 <strong>E-commerce platform<\/strong>:<br \/>\nRequired Combination = bKash + SSLCOMMERZ (Credit Card Aggregation) + Q-Cash instalments<br \/>\nOptimisation Tip: 2% Instant Cashback Voucher for bKash Users<\/p>\n<p>2\ufe0f\u20e3 <strong>SaaS Service Provider<\/strong>:<br \/>\nAdoption of Dutch-Bangla Bank's automatic debit APIs<br \/>\nCompliance focus: written user authorisation must be obtained (SMS validation is not valid)<\/p>\n<p>3\ufe0f\u20e3 <strong>educational organisation<\/strong>:<br \/>\nSupport tuition fees with 3 interest-free instalments through Upay<br \/>\nSpecial requirements: generation of government-endorsed electronic receipts<\/p>\n<p>4\ufe0f\u20e3 <strong>cross-border trade<\/strong>:<br \/>\nRecommended Escrow Account Custody Services for HSBC Bangladesh<br \/>\nAlert: Bangladesh Customs requires all imports to be remitted through AD (Authorised Dealer) banks<\/p>\n<p>IX. Guide to avoiding pitfalls in technology docking<br \/>\n\ud83d\udea8 <em>Localisation of key parameters<\/em>::<\/p>\n<pre><code class=\"language-json\">\/\/ bKash API Special Fields Example<br>\r\n{<br>\r\n  \"trx_reference\": \"Must contain the abbreviation of the merchant's place of registration\",<br>\r\n  \"customer_mobile\": \"+88017XXXXXXXXXXXX\",<br>\r\n  \"amount_validation\": \"Need to submit the equivalent amount in Thai Baht at the same time (Central Bank AML rules)\"<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>\u26a0\ufe0f <em>Common Causes of Failure<\/em>::<\/p>\n<ul>\n<li>Nagad interface timeout setting should be \u226515 seconds (high local network latency)<\/li>\n<li>Rocket Payment Callback IP Whitelisting Requires Inclusion of Alternate Servers<\/li>\n<\/ul>\n<p>\ud83d\udd27 <em>Disaster preparedness programme<\/em>::<br \/>\nIt is recommended to access two gateways at the same time, and automatically switch to Nagad when the bKash success rate is &lt;85%<\/p>\n<p>X. Policy windfalls in 2024<br \/>\n\ud83d\udccc New regulations coming into effect:<br \/>\n- Digital Wallet Monthly Transaction Cap Raised from 100,000 BDT to 250,000 BDT (Favourable for High-Customer-Per-Value Businesses)<br \/>\n- Mandatory biometric verification (fingerprint scanning added to KYC process)<br \/>\n- Foreign businesses are required to store at least 511 TP3T of transaction data on local servers<\/p>\n<p>\ud83d\udca1 Window of opportunity:<br \/>\nThe Central Bank is piloting \"cross-border QR code interconnection\", prioritising the opening of trade corridors between China and Bangladesh, and supporting Alipay+\/WeChat Pay and bKash scanning.<\/p>\n<hr>\n<p>Need to discuss further industry-specific implementation options? For example, do you plan to launch e-commerce\/gaming\/corporate services? I can provide a more segmented strategy.<\/p>","protected":false},"excerpt":{"rendered":"<p>When expanding your business in Bangladesh, it's crucial to choose a channel that matches local payment habits. 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