Built by engineers — Years inside payment gateways

Payment infrastructure.
Subscription pricing.
You keep more money.

Stop paying commission on every transaction. Connect your MFS and bank APIs — PayGuard handles the infrastructure, reconciliation, and monitoring. One flat monthly fee.

Does this sound familiar?

Every merchant in Bangladesh faces these problems daily. Most accept them as normal. They are not.

Commission on every sale

Pay a fixed fee on every transaction regardless of amount. A 40,000 BDT transaction costs 200 BDT in fees alone.

T+1 settlement delays

Wait 24+ hours for your own money. Your cash flow suffers while the gateway holds your revenue overnight.

Failed transactions lost

Customer charged but your system never updated. Hours of manual investigation to recover lost revenue.

Manual reconciliation

Hours every week matching payment records manually across multiple MFS platforms. This should not be your job.

Multiple API headaches

Managing bKash, Nagad, Rocket, and card APIs separately. Different formats, different responses, different failures.

No real-time visibility

Find out about payment failures when customers complain — not when they happen. Too late to fix quickly.

Old model vs PayGuard

Same MFS connections. Completely different economics.

Traditional gateway

Commission model

Pay per transaction — forever
Gateway holds your settlement
T+1 or T+2 delays
Manual reconciliation
No failure alerts
Costs scale with revenue
PayGuard

Subscription model

One flat monthly fee
Settlement direct to your bank
Near real-time settlement
Automated reconciliation
Instant failure alerts
Costs stay flat as you grow

How it works

You bring your MFS APIs. We handle everything else.

1

Connect your APIs

Add your existing bKash, Nagad, or bank API credentials securely

2

Use our unified API

One PayGuard API replaces all individual MFS integrations

3

We monitor everything

Every transaction tracked in real time — failures detected instantly

4

Settlement to you directly

Money goes straight from MFS to your account — we never touch it

5

Reports automatically

Daily reconciliation done. Exportable reports ready for accounting

bKash
Nagad
Rocket
TAP
Card / Internet Banking — coming soon

What you get

Everything a payment gateway needs. Built for your business.

Unified API layer

One API for all MFS connections. Standardized request and response format across every provider.

Auto reconciliation

Daily automated reconciliation report. Discrepancies flagged and alerted before your team notices.

Webhook management

Receive and forward webhooks reliably. Auto-retry on failure. Signature validation on every call.

Instant alerts

Failed transaction? Know in seconds via WhatsApp, Telegram, or email. Not when customers complain.

Merchant dashboard

Real-time transaction view, success rates, revenue analytics, and settlement tracking in one place.

Enterprise security

API credentials encrypted at rest. PCI DSS aware design. Rate limiting and fraud pattern detection.

Simple, flat pricing

No commission. No hidden fees. Your revenue is yours.

Starter

৳500 / month

For small merchants getting started with MFS payments

1 MFS connection
Up to 500 transactions/month
Basic dashboard
Email alerts
Daily reconciliation report
Most popular

Growth

৳1,000 / month

For growing merchants with multiple MFS connections

Up to 5 MFS connections
Unlimited transactions
Full analytics dashboard
WhatsApp + Telegram alerts
Sub-agent management
Excel export

Scale

৳1,500 / month

For high-volume merchants and MFS resellers

Unlimited MFS connections
Unlimited transactions
Priority support
Custom webhook rules
Dedicated onboarding
SLA guarantee

All plans include 3 months free during beta. No credit card required to join.

Join the waitlist

First 50 merchants get 3 months free. Built for Bangladesh — launching soon.

47 businesses already on the waitlist