Introduction

NaklaPay turns bKash, Nagad, Rocket, Upay and bank confirmations into verified orders. A customer pays your own account, your phone forwards the confirmation SMS, and the platform matches that message to the order that is waiting for it.

It is automation software, not a payment gateway. Money never passes through NaklaPay, so there is no settlement delay, no withdrawal step and no custody of customer funds.

The loop

• Create a charge — from the dashboard, an invoice, a payment link or the API.
• The customer pays your gateway number and submits the TrxID on the hosted checkout.
• Your Android device forwards the confirmation SMS to your workspace using a device token.
• The parser extracts the amount, TrxID, sender and new balance. Balance must equal previous + amount.
• On a match the invoice is marked paid and a signed webhook fires to your endpoint.
• If no SMS has arrived yet, the payment is held as pending and can be approved or rejected later.

Three ways to start

Hosted checkout: create an invoice or a payment link and share it. No code, works from a phone.

API: create charges from your own website and listen for signed webhooks. Full copy-ready guides exist for PHP sites, Node.js apps and WordPress — no plugin required.

Demo: open the public demo checkout to watch a payment verify itself before you connect anything.

What you need

• A bKash, Nagad, Rocket or bank account in your own name (Personal, Agent or Merchant).
• An Android phone with an active SIM for each gateway number, running the NaklaPay forwarder.
• A workspace — hosted, or self-hosted on your own server.