Frequently Asked Questions

How to get started with aamarPay?

You can get started quickly by providing few documents and filling and providing document by aamarPay & bank in soft copy format. We need documents as below:

  • Trade license
  • TIN
  • VAT (if any)
  • NID
  • Photo (1 Copy)
  • Partnership Deed (If partnership company where owners are more than one)
  • Certificate of Incorporation (If Private Limited Company)
  • Article Memorandum (If Private Limited Company)

Additional Document: We will provide below:

  • aamarPay Application Form.
  • Bank Sub Merchant Registration form (You need to fill it up then take a print, sign with seal, scan and send us back via email to

Please also provide us below information too:

Company name, Contact name, Email, Phone, City, Address with Zip Code, Mobile Number, Domain name, Hosting IP

Do you provide Development Support?

Yes ! We develop, customize and maintain websites and estores for merchants and any other business with domain, hosting and messaging support for a long with a reasonable price and packages.

How do you provide Technical support?

We do provide support via Email & Phone almost 16/7 hours at the moment. Our holidays are Friday & Saturday and other government declared national holidays

How can I refund a transaction? Can I make a partial refund transaction?

You can follow these steps to initiate a refund:

Open Transfer Balance > Refund Transaction > Request Transfer > fill up refund amount> Choose the bkash account number > proceed to place the refund.

For a partial refund, you have to put the amount on the refund amount.

How long does it take for the customer to receive the refund?

It takes minimum 7 working days based on investigation. Subject to documentation & process after thorough verification.

Do you have ready framework plugin for CMS & API?

Yes, we have support for major CMS and Frameworks which includes popular CMS & ecommerce platforms. Like WooCommerce for WordPress, Open Cart, Magento, WHMCS, PrestaShop, Zent Cart, OsCommerce, Laravel API, Custom API etc.

Is there any merchant panel to monitor my transaction?

Yes, there’s a merchant panel ( as well as a mobile app named aamarPay Merchant to monitor your online transactions, settlement, refunds, charge backs, etc. You should have a user account to which you can log in.

What are the reasons for failed transactions?

There are a number of reasons why a transaction could fail including Declined by gateway bank or auto-reverse from the bank, transaction ID mismatch, amount mismatch, PIN mismatch, Unattempted / Initiated /Expired transaction from the customer, or problem with the customer’s internet connection.

How can My customer avail online EMI?

Your customer can avail online EMI facilities with credit cards from 10+ banks at the moment. After the successful transaction, your customer needs to apply for EMI through you (merchant) mentioning EMI month / tenure. It has a minimum standard process of 7-10 working days of approval. Subject card holders profile.

Is my transaction safe online ?

Yes ! aamarPay does not store your card information and transmit it securely so that your safety can be ensured with highest security and compliance.

Is Debit & Credit Card allowed over aamarPay?

Yes ! aamarPay ensures both Debit & Credit card with Visa & MasterCard logo. If you have a card, please make sure that it is usable over online through your bank. International cards can be transacted only if it is issued by any bank. No virtual card or prepaid card will be allowed to avoid fraudulent activities.

Is there any hidden or monthly charges

No ! We do not charge monthly nor we have any hidden charges. But if any charge back happens through your merchant account, we will charge you back as per charge back policy ratio.

Who can't apply for aamarPay Merchant gateway?

This service only offered to Bangladeshi and registered companies in Bangladesh. aamarPay will not accept any application from the party involves in one of the following products, services and activities:

  • Pornography & Adult Content
  • Firearms, Ammunition, High Capacity Magazines, Tasers, Air Guns
  • Fireworks or Pyrotechnic Devices or Supplies
  • Unapproved Drugs
  • Gambling Transactions
  • Theft Products
  • Money Laundering
  • Pyramid Scheme Program
  • Terrorism
  • And other activities that against Bangladesh government laws

What is chargeback?

A charge back is a refund that is requested by the customer through their credit card company or issuer i.e: Bank or NBFI. This occurs when a customer formally disputes a charge usually because their card was stolen or product or service received below their expectation or mistakenly charged

What if i want to change my bank account?

You need to send your updated bank account information on your company letterhead pad with a seal and signature. Also notify your KAM / Operation executive.

What is your settlement process ?

We do disburse of payment weekly once based on available working day i.e. Monday. During bank holidays or weekly holiday or government declared holidays we do not disburse any payment

What if i want to add another payment gateway to my other website?

Please get in touch with our Key Account Manager who will connect you with an agent for new account registration. Once the integration is complete, a new MID will be requested for the respective website.

How to retrieve login credentials of my merchant portal or app?

You have to send an email at from your registered email with aamarPay. Our support team will reset your login credentials and send them to your email address.

Can I convert any regular transaction to EMI?

Regular transactions cannot be converted into EMI.

Why was one of my transactions marked as suspicious?

We have a fraud detection/management system in place which flags suspicious transactions most of which are made by foreign cards. Multiple criteria are put in place to identify suspicious transactions at an early stage to safeguard our merchants.

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