The Platform

One Integration. Every Payment Rail.

Accept money from any wallet, card, or bank; send money to any account in the country; and watch every taka settle and reconcile from a single dashboard. This is the full Padma Tech platform.

Real-time payment analytics dashboard
Capabilities

Everything You Need to Move Money

Three products on one platform, sharing the same keys, the same dashboard, and the same reconciliation ledger.

Unified Checkout

One hosted checkout that shows every local wallet, card, and bank option, with VAT-compliant invoicing built in.

  • bKash, Nagad, Rocket & cards
  • Hosted, drop-in, or full API
  • T+1 settlement to your bank

Mass Payouts

Pay 10,000 riders, suppliers, or freelancers to bKash, Nagad, or any bank account in a single batch.

  • CSV upload or single API call
  • Automatic retry on failure
  • Reconciles to the taka

Fraud & Compliance

PCI-DSS Level 1 certified, with Bangladesh Bank-aligned KYC and real-time risk scoring on every transaction.

  • 3-D Secure on every card
  • Velocity & device fingerprinting
  • Configurable risk rules
Developer API

Your First Payment Before Lunch

Drop in our server SDK for Node, Go, PHP, or Laravel and take a live payment the same afternoon. Idempotent requests, signed webhooks, and sandbox wallets mean you never debug blind.

  • SDKs for Node, Go, PHP and Laravel
  • Sandbox wallets and webhook replays
  • Idempotent APIs with signed callbacks
create-payment.js
import { Padma } from "@padmatech/node";

const padma = new Padma(process.env.PADMA_KEY);

// Charge a customer across any rail
const payment = await padma.payments.create({
  amount: 2500,            // ৳25.00
  currency: "BDT",
  methods: ["bkash", "nagad", "card"],
  reference: "ORD-10482",
  redirect_url: "https://shop.bd/done",
}, { idempotencyKey: "ORD-10482" });

console.log(payment.checkout_url);
// => https://pay.padmatech.io/c/9fA2k...
Integrations

Connected to Everything You Already Use

Local rails, global cards, and the tools your finance and ops teams live in.

bKash Nagad Rocket Visa Mastercard 38 Banks Shopify WooCommerce Laravel Slack alerts Google Sheets export
Pricing

Pricing That Scales With You

No setup fees, no monthly minimums. Pay only when you get paid.

Startup

1.9% + ৳3 per txn

For early-stage teams taking their first payments online.

  • Hosted checkout + all local wallets
  • T+2 settlement to your bank
  • Email support, 99.9% SLA
Create Account
MOST POPULAR

Scale

1.4% + ৳2 per txn

For growing businesses processing over ৳50 lakh a month.

  • Everything in Startup
  • Mass payouts + same-day T+1 settlement
  • Dedicated account manager
  • Priority WhatsApp + phone support
Talk to Sales

Take Your First Payment Today

Create a free account, drop in your sandbox keys, and go live the same week. No contracts, no setup fees.