Question 1

What is merchant.bd?

Accepted Answer

merchant.bd is the hub of a seven-product `.bd` ecosystem — KYC, payroll, payments, retail, security, onboarding, and partners — unified under one programmable infrastructure layer. The hub itself ships merchant onboarding, KYC document collection, payment links, and reconciliation.

Question 2

Who is it for?

Accepted Answer

Banks and PSPs that want to white-label merchant onboarding, and SMEs in Bangladesh that need payment links and reconciliation without stitching five foreign tools together.

Question 3

Is it live?

Accepted Answer

Private beta. We are onboarding design partners in Dhaka. Production rollout is gated on Bangladesh Bank–aligned PSP integrations.

Question 4

How much does it cost?

Accepted Answer

Starter is free (1 user, 50 documents). Growth is ৳5,000/month (5 users, payment links, reconciliation, Bangla dashboard). Enterprise is custom (white-label, REST + webhooks, SAML SSO, SCIM, SLA, named CSM).

Question 5

Do you take a cut of payments?

Accepted Answer

No. Fees are flat. PSP fees go directly to the acquirer (SSLCommerz, ShurjoPay, AamarPay) — we do not skim a percentage.

Question 6

Do you support bKash, Nagad, Rocket?

Accepted Answer

Yes, through local PSP rails — SSLCommerz, ShurjoPay, AamarPay. Cards, mobile-financial-services (bKash/Nagad/Rocket), and direct bank transfer settle in BDT to a local account.

Question 7

Can I use Stripe?

Accepted Answer

Only if you have a foreign entity (US/UK/SG) billing in USD. Stripe does not support Bangladesh as a seller country. For BDT collection from Bangladeshi customers, use a local PSP.

Question 8

Is it secure?

Accepted Answer

Row-level security on every public table, append-only audit log, service-role admin operations server-side only, SAML SSO + SCIM on Enterprise. We are not a bank or PSP — we work alongside Bangladesh Bank–licensed partners.

Question 9

Where is data stored?

Accepted Answer

Managed Postgres in-region. Customer data is scoped per-merchant via RLS. Document uploads are stored in object storage with signed-URL access only.

Question 10

How long does onboarding take?

Accepted Answer

A merchant can complete KYC submission in under 10 minutes if NID, trade license, and bank statement are ready. Review SLA is 1 business day for design partners.

Question 11

Can banks white-label the flow?

Accepted Answer

Yes — Enterprise tier. White-labeled domain, your brand, your acceptance criteria, our infrastructure. REST + webhooks for handoff to your core banking.

Question 12

How do I contact you?

Accepted Answer

WhatsApp +880 1768-569162 for fastest response. Email sales@merchant.bd, support@merchant.bd, or security@merchant.bd. Enterprise customers get a named CSM and an SLA.

Frequently asked questions

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