{"id":3192,"date":"2025-06-04T14:14:17","date_gmt":"2025-06-04T06:14:17","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3192"},"modified":"2025-06-04T14:14:17","modified_gmt":"2025-06-04T06:14:17","slug":"bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/","title":{"rendered":"bKash vs Nagad: API Structure and Interface Comparison"},"content":{"rendered":"

bKash vs Nagad: Comparative Analysis of API Structure and Interface<\/h1>\n

introductory<\/h2>\n

In the field of mobile payment in Bangladesh, bKash and Nagad are the two leading platforms, and their technical architecture, especially API design, is crucial for developer integration. In this paper, we will compare the API structure and interface features of bKash and Nagad from a professional point of view to provide valuable references for technical decision makers.<\/p>\n

I. Overview of the infrastructure<\/h2>\n

The bKash technology stack<\/h3>\n

Adoption of RESTful API design specifications
\nSupport JSON and XML data format exchange
\nAuthentication mechanism based on OAuth 2.0
\nHTTPS encrypted transport layer assurance<\/p>\n

Nagad's System Architecture<\/h3>\n

Hybrid API design (REST + some SOAP)
\nPrimary JSON data format
\nJWT Token Authentication System
\nDouble encrypted communication channels<\/p>\n

II. Comparative analysis of core API endpoints<\/h2>\n

Payment processing interface point of difference:<\/h3>\n\n\n\n\n\n\n\n
functional module<\/th>\nbKash endpoints<\/th>\nNagad endpoint<\/th>\n<\/tr>\n<\/thead>\n
Create a transaction<\/td>\n\/checkout\/create<\/td>\n\/api\/v1\/payment\/initiate<\/td>\n<\/tr>\n
Implementation payments<\/td>\n\/checkout\/execute<\/td>\n\/api\/v1\/payment\/complete<\/td>\n<\/tr>\n
Refund processing<\/td>\n\/payment\/refund<\/td>\n\/merchant-api\/v2\/refund<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Key findings<\/strong>: Nagad uses versioned paths (v1\/v2) which are better for long-term maintenance, while bKash keeps a clean path structure.<\/p>\n

III. In-depth analysis of authentication mechanisms<\/h2>\n

bKash security programme:<\/h3>\n
    \n
  • API key + merchant wallet ID two-factor authentication<\/li>\n
  • Access Token valid for 24 hours<\/li>\n
  • IP Whitelist Enforced Restriction Policy<\/li>\n
  • SHA-256 signature algorithm<\/li>\n<\/ul>\n

    Nagad Security Protocol:<\/h3>\n
      \n
    • RSA asymmetric encryption key pair<\/li>\n
    • JWT tokens with 15-minute short time limit<\/li>\n
    • OTP Secondary Authentication Optional Configuration<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

      bKash vs Nagad: A Comparative Analysis of API Structures and Interfaces Introduction...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-3192","post","type-post","status-publish","format-standard","hentry","category-36"],"yoast_head":"\nbKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/06\/04\/bkash-vs-nagad\uff1aapi\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\" \/>\n<meta property=\"og:description\" content=\"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\u5206\u6790 \u5f15\u8a00…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/04\/bkash-vs-nagad\uff1aapi\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-04T06:14:17+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\",\"datePublished\":\"2025-06-04T06:14:17+00:00\",\"dateModified\":\"2025-06-04T06:14:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/\"},\"wordCount\":62,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5b5f\u52a0\u62c9\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/\",\"name\":\"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/#website\"},\"datePublished\":\"2025-06-04T06:14:17+00:00\",\"dateModified\":\"2025-06-04T06:14:17+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u9996\u9875\",\"item\":\"https:\/\/www.deekpay.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.deekpay.com\/#website\",\"url\":\"https:\/\/www.deekpay.com\/\",\"name\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.deekpay.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.deekpay.com\/#organization\",\"name\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546\",\"url\":\"https:\/\/www.deekpay.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png\",\"contentUrl\":\"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png\",\"width\":649,\"height\":191,\"caption\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\",\"name\":\"deekpay\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g\",\"caption\":\"deekpay\"},\"sameAs\":[\"https:\/\/deekpay.com\"],\"url\":\"https:\/\/www.deekpay.com\/en\/author\/deekpay\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.deekpay.com\/en\/2025\/06\/04\/bkash-vs-nagad\uff1aapi\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\/","og_locale":"en_GB","og_type":"article","og_title":"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4","og_description":"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\u5206\u6790 \u5f15\u8a00…","og_url":"https:\/\/www.deekpay.com\/en\/2025\/06\/04\/bkash-vs-nagad\uff1aapi\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4\/","og_site_name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","article_published_time":"2025-06-04T06:14:17+00:00","author":"deekpay","twitter_card":"summary_large_image","twitter_misc":{"Written by":"deekpay"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/#article","isPartOf":{"@id":"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/"},"author":{"name":"deekpay","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d"},"headline":"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4","datePublished":"2025-06-04T06:14:17+00:00","dateModified":"2025-06-04T06:14:17+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/"},"wordCount":62,"commentCount":0,"publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"articleSection":["\u5b5f\u52a0\u62c9\u652f\u4ed8"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/","url":"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/","name":"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","isPartOf":{"@id":"https:\/\/www.deekpay.com\/#website"},"datePublished":"2025-06-04T06:14:17+00:00","dateModified":"2025-06-04T06:14:17+00:00","breadcrumb":{"@id":"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.deekpay.com\/2025\/06\/04\/bkash-vs-nagad%ef%bc%9aapi%e7%bb%93%e6%9e%84%e4%b8%8e%e6%8e%a5%e5%8f%a3%e5%af%b9%e6%af%94\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u9996\u9875","item":"https:\/\/www.deekpay.com\/"},{"@type":"ListItem","position":2,"name":"bKash vs Nagad\uff1aAPI\u7ed3\u6784\u4e0e\u63a5\u53e3\u5bf9\u6bd4"}]},{"@type":"WebSite","@id":"https:\/\/www.deekpay.com\/#website","url":"https:\/\/www.deekpay.com\/","name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8","description":"","publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.deekpay.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.deekpay.com\/#organization","name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546","url":"https:\/\/www.deekpay.com\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/","url":"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png","contentUrl":"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png","width":649,"height":191,"caption":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546"},"image":{"@id":"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d","name":"deekpay","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g","caption":"deekpay"},"sameAs":["https:\/\/deekpay.com"],"url":"https:\/\/www.deekpay.com\/en\/author\/deekpay\/"}]}},"_links":{"self":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/3192","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/comments?post=3192"}],"version-history":[{"count":1,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/3192\/revisions"}],"predecessor-version":[{"id":3194,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/3192\/revisions\/3194"}],"wp:attachment":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/media?parent=3192"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/categories?post=3192"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/tags?post=3192"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}