Every bKash, Nagad & Rocket payment verified automatically.
NaklaPay reads the confirmation SMS from the account you already own, matches it to the right order, and marks it paid. You keep the money. We take the manual checking away.
4.2s
Median verification
৳0
Held by NaklaPay
99.98%
Match accuracy
Nusrat Studio
Secure checkout
Amount due
৳1,250.00
Order #2041
TrxID
TF8K2M9Q
Sender number
01712345678
Non-custodial · money goes to the merchant
Works with the accounts you already own
bKash
Nagad
Rocket
Upay
CellFinTapOK WalletPathao PayiPaymCashSureCashFirstCashCity BankUnited Commercial BankIslami BankBRAC BankDutch-Bangla BankBank AsiaPrime BankEastern BankbKashNagadRocketUpayCellFinTapOK WalletPathao PayiPaymCashSureCashFirstCashCity BankUnited Commercial BankIslami BankBRAC BankDutch-Bangla BankBank AsiaPrime BankEastern BankThe 11pm problem
Manual verification doesn't scale. It just gets quieter.
Ten orders a day feels like customer service. A hundred turns one person into a bottleneck, a fraud surface and the reason buyers leave a one-star review.
Pending approvals
11:47 PM47
Not one of them is confirmed. Someone has to open a banking app and check each SMS.
A person becomes the verification engine
Every order waits on whoever is holding the phone. Sell past midnight and nothing is confirmed until morning. Growth means hiring for a job a parser should do.
Customers wait in the dark
They have sent real money and are staring at a pending screen. A delayed confirmation feels identical to being scammed, so they message, cancel or dispute.
Reconciliation mistakes compound
One mistyped digit, one reused screenshot, one duplicate TrxID. Small errors at checkout become month-end arguments and lost trust.
The fix is a parser, not more people.
NaklaPay Freads the SMS at the source, matches the transaction to the order, checks the running balance and closes the loop in seconds — for every order, at any hour.
How automatic verification works
Four things happen.
You do none of them.
The money goes directly to your wallet. NaklaPay handles the confirmation, the audit trail and the notification.
Connect the account you already own
Add bKash, Nagad, Rocket or a bank account, then pair the SMS forwarder with a scan. No merchant API, no trade licence, no onboarding fee.
bKash · Personal
01700-000000
Your customer pays you directly
Hosted checkout shows your number, collects the TrxID and sender number. The money never touches NaklaPay.
Amount due
৳1,250.00
We read the confirmation
The SMS is parsed, the TrxID and amount are matched to the order, and the balance is checked to catch forgeries.
You have received Tk 1,250.00 from 01712345678. TrxID TF8K2M9Q.
Your system hears about it
A signed webhook flips the order to paid in your app, while the dashboard updates at the same second.
Webhook
payment.completed
Platform
One platform for the whole collection loop.
Verification is the hard part. Everything around it — checkout, invoices, customers, reporting and notifications — is already here.
Automatic MFS verification
bKash, Nagad, Rocket, Upay and more are read from your own account and matched to the right order in seconds — no app switching, no copy-paste.
SMS received
bKash · ৳1,250
Matched
TrxID · TF8K2M9Q
Confirmed
Order #2041
Non-custodial by design
Money lands directly in your wallet. NaklaPay never holds a taka, so there is no settlement wait and nothing to withdraw.
APIs & webhooks
One REST call creates a charge. Signed webhooks tell your stack the moment money is confirmed.
A dashboard that answers questions
Revenue, success rate, pending approvals and every transaction in one place — filterable and exportable.
Net revenue
৳2,48,500
+18.4%
Success rate
98.6%
1,240 paid
Payment links & invoices
Collect from a client, a student or a donation page without building checkout from scratch.
Alerts where your team lives
Telegram, Discord, Slack, email and webhooks — choose a channel per brand.
Multi-brand workspaces
Run several storefronts from one login, each with its own identity, gateways and reporting.
Developer platform
An API your team can read in five minutes.
Create a charge, redirect the customer, verify the invoice and listen for the webhook. That is the whole integration.
- Brand-scoped API keys, stored as one-way hashes
- Signed webhooks with retry history in the dashboard
- Sandbox workspace with sample payments and a live checkout
- Docs with runnable curl, Node, PHP and Python examples
curl -X POST https://pay.yourbrand.com/api/charge \
-H "RT-TAKAFLOW-API-KEY: tf_live_••••••••" \
-H "Content-Type: application/json" \
-d '{
"full_name": "Arif Hossain",
"email": "arif@example.com",
"phone": "01711112222",
"amount": "1250",
"metadata": { "order_id": "2041" },
"redirect_url": "https://shop.example/thank-you",
"cancel_url": "https://shop.example/cart",
"webhook_url": "https://shop.example/api/takaflow"
}'
# 200 OK
{
"status": true,
"invoice_id": 128,
"invoice_number": "TF-202610-4821",
"payment_url": "https://pay.yourbrand.com/checkout/Erm9wzjM0FBwjSYT0QVb"
}Developer guides
Connect any site with two API calls.
No plugins, no marketplace listings. Every stack below gets a complete, copy-ready guide — or open the hosted checkout when you would rather not write code.
PHP sites & Laravel
Create a charge, verify on return and validate the webhook signature — complete PHP code.
Open guideNode.js & Express
Server-side charge creation and a raw-body webhook handler in Node, plus Next.js notes.
Open guideWordPress — no plugin
A shortcode payment button, an order meta field and a webhook endpoint using core WordPress.
Open guideAny language
The whole API is JSON over HTTPS. Use the reference for cURL, Python, Go or anything else.
Open guideBeyond payments
Run the business, not the spreadsheet.
Branding, team access, reporting and multi-brand support are part of the same workspace.
Multi-brand workspaces
Run separate storefronts from one login, each with its own gateways, branding and reports.
Mobile-first checkout
A fast, branded payment page that works on the phones your customers actually use.
Alerts where you work
Telegram, Discord, Slack, email and webhooks, configurable per brand.
Custom branding
Logo, accent colour, support details and custom domain on Growth and above.
Reports & exports
Revenue by day, gateway and brand. Filter any range and take the CSV with you.
Meta Pixel ready
Attach a pixel to checkout and send accurate purchase events server-side.
Customer stories
Teams stopped checking their phones.
Founders, ops leads and developers who moved their collection to NaklaPay.
2,400+ workspaces
4.9 average rating
“We used to confirm every bKash payment by hand. Two people, most of the evening. NaklaPay took that entire job away in the first week.”
Nusrat Jahan
Founder, Kagoj Studio
“The balance verification is the part I did not expect. Fake screenshots stopped being an argument we had to have with customers.”
Rafid Hasan
Operations, HostBD
“One API call, one webhook, done. We had the checkout live on our Laravel app in an afternoon and it has not needed attention since.”
Tanvir Ahmed
CTO, Shikho Bazar
Why NaklaPay
Built around how Bangladesh actually pays.
Not a global checkout with bKash bolted on. A platform designed for the way your customers send money today.
Non-custodial
Money lands in your account, not ours. Nothing to settle, nothing to withdraw.
Hosted or self-hosted
Use our cloud or deploy the full platform on your own VPS, cPanel or Docker host.
Live in minutes
One deploy, three settings, a paired device. Most teams take their first payment the same day.
No onboarding fee
Start with the bKash, Nagad or Rocket account you already have. No licence gatekeeping.
Fraud-aware verification
Running-balance checks and duplicate TrxID protection flag forgeries before they become orders.
Developer-friendly
Scoped API keys, predictable errors, signed webhooks and copy-paste examples that actually run.
Pricing
Pay for the stage you're at. Not for every taka.
Hosted plans with a 14-day trial, or a self-hosted licence you own outright. No per-transaction cut on any plan.
Launch
For a first storefront finding its feet.
Billed annually · ৳416/mo equivalent
brands
1 brand
payments
2,000 / month
domains
1 domain
team
3 seats
- Automatic MFS verification
- Hosted checkout + payment links
- Invoices and customers
- Email & dashboard alerts
- REST API and webhooks
Growth
For teams processing every day.
Billed annually · ৳1,075/mo equivalent
brands
3 brands
payments
15,000 / month
domains
3 domains
team
10 seats
- Everything in Launch
- Multi-brand workspaces
- Telegram, Discord & Slack alerts
- Balance & smart verification
- Advanced reports + CSV export
- Meta Pixel and custom checkout
Scale
For high-volume operations and agencies.
Billed annually · ৳2,075/mo equivalent
brands
10 brands
payments
Unlimited
domains
10 domains
team
Unlimited
- Everything in Growth
- Unlimited transactions
- Roles & granular permissions
- Priority verification queue
- Dedicated onboarding
- 99.9% uptime target
Self-hosted licence
Want it on your own server? ৳14,900/year.
Run the full platform on your own server · Unlimited brands and transactions · No per-transaction fee, ever · Source access & white-label checkout · 12 months of updates and support.
Prices in BDT. 14-day trial on hosted plans · no card required · cancel anytime.
FAQ
Questions, answered.
The things merchants ask before moving their collection over.
Is NaklaPay a payment gateway or a bank?
Neither. NaklaPay is payment automation software. Money moves directly between your customer and your own bKash, Nagad, Rocket or bank account. We never hold or settle funds, so there is no licence-dependent custody layer and no withdrawal step.
How does automatic verification actually work?
A customer pays your MFS account and submits the transaction ID at checkout. At the same time, the NaklaPay Android app (or your own bridge) forwards the confirmation SMS to your workspace. We parse the message, match the transaction ID and amount to the order, optionally check the balance, and mark the payment completed — usually in under five seconds.
What happens if my phone or device goes offline?
If Pending Payment is enabled on that gateway, the customer's submission is stored as pending and they see a confirmation screen instead of an error. You can approve it after checking your statement, or add the missing SMS record and let the system match it. If Pending Payment is off, the customer is asked to retry once the device is back.
Can I use my personal bKash account?
Yes. NaklaPay supports Personal, Agent and Merchant accounts across the major MFS providers. You connect the SIM that receives the transaction SMS, so there is no merchant API approval, trade licence or onboarding fee required.
Do you support international cards and Stripe or PayPal?
NaklaPay is built around Bangladesh-first collection: MFS, Bangla QR and bank transfer. International card processors are on the roadmap and can be connected today through your existing gateway and our webhooks. We would rather ship a complete local workflow than a half-working global one.
Can I self-host it?
Yes. The self-hosted licence runs the entire platform on your own VPS, cPanel or Docker host. You own the database and customer data. The hosted plan gives you the same product with updates, backups and support handled for you.
Ready when you are
Stop checking your phone for payments.
Set it up once. Every bKash, Nagad, Rocket and bank transfer confirms itself from then on.
No card required · 14-day trial · Cancel anytime