Everything you need to know about BDGate payment gateway.
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Start here if you're new to BDGate — what it is, how to sign up, and what to expect.
BDGate is a payment gateway for Bangladeshi businesses that enables merchants to accept bKash, Nagad, Rocket, Upay, and other MFS payments via a single API and dashboard. It includes SMS automation so payments are confirmed automatically, PDF invoicing, shareable payment links, WooCommerce and Shopify plugins, WHMCS and other billing system modules, and real-time dashboard reporting — everything a business needs to manage digital payments in Bangladesh without juggling multiple provider portals.
Sign up at my.bdgate.net, fill in your business details including your trade license number or equivalent registration document, and submit your application. Admin approval typically takes within 24 business hours after all required information is submitted correctly. After approval, log in to your merchant panel, configure your MFS payment numbers (bKash, Nagad, etc.), and you can start accepting payments immediately.
Yes. BDGate accounts are designed for registered businesses or sole proprietors. During signup you will need to provide your trade license or an equivalent business registration document. This requirement exists to ensure merchant accounts are legitimate business entities, protecting both merchants and their customers.
Most accounts are approved within 24 business hours after all required information is submitted correctly and completely. Incomplete applications or applications missing the required business registration documents may take longer. You will receive an email notification when your account is approved and ready to use.
BDGate SMS Relay is a free Android app that runs on your phone and monitors incoming payment SMS messages from bKash, Nagad, Rocket, and other MFS providers. When a customer sends a payment, the relay app reads the confirmation SMS, extracts the transaction amount and reference number, and automatically marks the payment as confirmed in your BDGate merchant dashboard — eliminating the need to manually verify payments one by one. The app includes retry logic for temporarily missed SMS messages and works in the background without user interaction.
Details on which payment methods BDGate supports and how they work.
BDGate supports all major Bangladesh Mobile Financial Services (MFS): bKash, Nagad, Rocket, Upay, CellFin, mCash, SureCash, and Tap. For international payments, BDGate also integrates PayPal and Stripe, allowing customers outside Bangladesh to pay by card or PayPal balance. All paid plans (Basic and above) include access to all 8 MFS gateways. The Free Starter plan includes bKash, Nagad, and Rocket.
When a customer sends a bKash payment to your merchant number, bKash sends a confirmation SMS to that number. The BDGate SMS Relay app running on the phone associated with that number reads the incoming SMS, parses the transaction amount, bKash transaction ID, and sender reference, then transmits this information securely to BDGate servers. BDGate matches the payment against the pending order and marks it as confirmed — then fires a webhook to your server if you have webhooks configured. The entire process is automatic and typically completes within seconds of the customer sending the payment.
Both. SMS automation works with any Nagad number — personal or merchant — because the relay app reads payment SMS regardless of account type. Nagad merchant API integration is also supported for businesses that prefer direct gateway connectivity without relying on SMS relay, giving you two integration paths for Nagad depending on your technical setup.
Yes. BDGate's PayPal and Stripe integrations allow customers outside Bangladesh to pay by international card or PayPal balance. The payment is received and settled in accordance with your PayPal or Stripe account settings. This makes BDGate suitable for Bangladeshi businesses serving international clients, such as freelancers, software companies, or export-oriented businesses.
BDGate itself imposes no minimum payment amount. The minimum is determined by the MFS provider's own rules — typically ৳1 for bKash and Nagad, though this may vary by provider. Check the current rules of each MFS provider for their specific minimums. For PayPal and Stripe international payments, their own minimum charge rules apply.
For developers integrating BDGate into websites, apps, and billing systems.
Yes. BDGate provides a full RESTful API with JSON responses, API key authentication, rate limiting, and webhook support. The API allows you to create payment requests, check transaction status, issue refunds, and manage invoices programmatically. SDKs are available for Laravel (PHP) and Node.js to speed up integration. Full API documentation is available at docs.bdgate.net. API access is available on the Startup Business plan and above.
Yes. Webhooks fire automatically on key payment events: payment confirmed, payment failed, and refund initiated. Configure your webhook URL in the merchant panel under Settings → Webhooks. Each webhook request is signed so your server can verify authenticity. Webhooks are available on the Growth Pro plan and above.
Integration takes under 10 minutes with no coding required. Download the BDGate plugin from the Downloads section of your merchant panel, upload and activate it in WordPress under Plugins → Add New → Upload, then navigate to WooCommerce → Settings → Payments → BDGate, enter your API key from the merchant panel, and enable the MFS payment methods you want to show at checkout. Customers will see bKash, Nagad, Rocket, and other enabled methods as payment options on your WooCommerce checkout page.
Yes. A sandbox environment is available in the merchant panel for testing API integrations without processing real payments. Switch between live and sandbox modes in your merchant panel settings. The sandbox environment replicates the live API behavior so you can fully test your integration before going live. Sandbox credentials are separate from live API keys.
Straightforward answers on what BDGate costs and how billing works.
BDGate offers six plans: Free Starter at ৳0/month (30 tx/mo), Basic at ৳199/month (200 tx/mo), Startup Business at ৳499/month (1,000 tx/mo), Growth Pro at ৳999/month (2,000 tx/mo), Enterprise at ৳2,000/month (4,000 tx/mo), and White Label at ৳5,000/month (100,000 tx/mo). Critically, all plans charge 0.00% per transaction — you pay only the flat monthly subscription. See the Pricing page for full plan details and feature comparison.
No. There are no setup fees, no activation fees, no hidden charges, and no cancellation penalties on any BDGate plan. The monthly price shown on the pricing page is the complete cost. BDGate's business model is the flat subscription — not transaction percentage fees or surprise charges.
Transactions that exceed your monthly plan limit are queued and will not process until either your monthly limit resets at the start of the next billing cycle or you upgrade your plan. Upgrading is instant from the merchant dashboard and takes effect immediately — your queued transactions will process as soon as you upgrade. You will receive a dashboard notification when you are approaching your limit.
Yes. Cancel your subscription at any time from the merchant dashboard under Account → Subscription with no cancellation fees or penalties. Your plan remains active and fully functional until the end of the current billing period — you will not lose access mid-period after cancelling.
How BDGate protects your merchant account, your data, and your customers' payments.
Yes. BDGate is built with multiple security layers: JWT (JSON Web Token) authentication for every API call with token expiry to prevent replay attacks; per-merchant API key management with instant revocation from the dashboard; domain whitelisting so only pre-approved domains can make API requests; bcrypt password hashing so passwords are never stored in plain text; SSL/TLS encryption on all connections with HSTS headers; and rate limiting on every endpoint. The platform targets 99.9% uptime. See the full Security page for details.
Merchant data is stored on secure servers. BDGate stores transaction reference IDs, payment amounts, timestamps, merchant account details, and payment method type — the minimum necessary to operate the service. BDGate does not store full MFS account credentials, bKash or Nagad PINs, card numbers, or full bank account details.
Transactions can always be manually confirmed from the merchant panel if the SMS Relay app misses a message — for example if the phone was offline or the SMS was delayed by the carrier. The relay app also includes retry logic to re-attempt transmission of temporarily missed or failed messages when connectivity is restored. Manual confirmation is the reliable fallback and is always available regardless of relay app status.
Yes. Initiate refunds directly from the transaction detail view in the merchant panel. Refund processing time depends on the MFS provider — typically 1–3 business days for bKash and Nagad refunds. For Stripe and PayPal payments, refund timelines follow those providers' standard policies. Refund events also fire a webhook to your server if webhooks are configured on your plan.
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