FinTech · Payments
Fintech Aggregator
One API for every payment method in Bangladesh
Series-A fintech startup
10 months
6 engineers, 1 SRE, 1 product designer
2025
12
Payment methods
5M+
Tx / month
<100ms
p95 latency
Overview
A unified payment aggregator that lets merchants accept bKash, Nagad, Rocket, SSLCommerz, and direct bank transfers through a single REST API. Smart routing, fraud detection, automated reconciliation, and a developer-first SDK.
The Challenge
- Every merchant in Bangladesh integrating online payments has to wire up 4–6 different SDKs (bKash, Nagad, Rocket, SSLCommerz, banks) — each with its own API quirks, downtime windows, and reconciliation format.
- Existing aggregators were either expensive, US-focused, or didn't support all local rails.
- Failed payments were eating 6–8% of merchant revenue due to gateway downtime and no smart routing.
Our Approach
- Built a unified payment API in Go that abstracts every Bangladeshi rail behind one consistent interface.
- Smart routing that detects gateway downtime in real time and re-routes transactions automatically.
- Fraud detection layer using rule engines + ML scoring on velocity, geography, and behavioural signals.
- Auto-reconciliation engine that matches settlements across all gateways into a single ledger.
- Developer-first SDKs in JS, PHP, Python with sandbox + live environments.
The Outcome
- Powering 5M+ transactions per month across 200+ merchants.
- Reduced failed-payment rate by 73% via smart routing.
- p95 API latency consistently under 100ms.
- Acquired 3 enterprise clients within 6 months of launch.
What We Built
Key features
shipped to production.
Unified REST API for all rails
Smart routing & failover
Fraud detection (rules + ML)
Auto-reconciliation engine
Developer SDKs (JS, PHP, Python)
Sandbox + live environments
Webhook event system
Dashboard with real-time analytics
Tech Stack
Built with the
right tools.
Ready to Start
Ready to build your
next big thing?
Have an idea, a problem to solve, or a product to ship? Tell us about it — we respond within 24 hours.