Payment gateway in Bangladesh: how bKash and Nagad collection really works
Most online businesses in Bangladesh collect money through bKash and Nagad. The wallet part looks simple from the customer side, but the merchant side depends on which wallet type you use, what limits apply, and how each transaction is verified.
Last updated: 2 September 2026
The wallet types you can collect with
Collection in Bangladesh runs through five practical channel types: bKash Personal, bKash Agent, Nagad Agent, Nagad Personal and Nagad Merchant. Each one has different limits and different automation support.
Four of them — bKash Personal, bKash Agent, Nagad Agent and Nagad Personal — support both pay-in and payout through the Pay2Capital API. Nagad Merchant is a collection-only channel: it accepts pay-ins, but a payout request against it is rejected.
Why a transaction ID is not proof of payment
On a hosted checkout, the customer sends money from their own wallet app and then pastes the transaction ID. That ID is a claim, not a confirmation. It can be mistyped, reused, or copied from an unrelated transfer.
The only safe pattern is server-side verification: your backend confirms the result through the order status endpoint or waits for the signed webhook before releasing goods, credits or balance. Never mark an order paid from the browser alone.
Limits decide your real throughput
Every wallet carries a per-transaction ceiling, a per-minute count, a daily volume cap and a cooldown after heavy use. A single wallet will therefore stall long before your traffic does.
The practical fix is many wallets behind one API, with the routing engine checking eligibility before every attempt and moving to the next wallet automatically when one is full, cooling down or offline.
What to check before you integrate
Ask four questions of any gateway: does it expose one API for both pay-in and payout, does it sign its webhooks, does it reconcile stuck transactions automatically, and is the fee charged only on completed transactions?
Pay2Capital charges 0.5% + ৳10 per completed transaction, pay-in and payout alike. Failed or skipped attempts are never billed, and a transaction that failed over across several wallets on the same order ID is billed once.