aamarPay

aamarPay Payment Gateway Overview For Merchants

aamarPay is a Bangladesh-based payment service provider that offers merchants multiple ways to accept payments, including an online payment gateway, QR-based “scan and pay,” and link-based payments for social commerce and offline-to-online scenarios. For businesses selling online, taking orders through messaging, or collecting payments at a counter, aamarPay focuses on giving merchants a single suite that supports card and local payment methods, plus operational tools such as a merchant portal and merchant app for tracking transactions and payouts.

aamarPay Payment Acceptance Products

Online Payment Gateway

aamarPay provides an online payment gateway designed for website and app checkout flows. Merchants typically initiate a payment request and direct customers to a hosted payment experience, then receive transaction updates back for order confirmation and reconciliation. aamarPay also positions an “international payment gateway” option for merchants selling to customers outside Bangladesh, including local currency display and real-time currency conversion, with settlements available in BDT.

Payment Links

Payment Links are designed for cases where a full website checkout is not required. Merchants can share a custom link through email, SMS, and social channels and receive confirmation alerts when a customer completes payment. This is positioned for social commerce, f-commerce, and merchants who want a lightweight way to collect payments without building a full online store.

Invoice Payment Via App Or Merchant Portal

aamarPay also supports custom invoice payments that merchants can issue from a merchant portal or merchant app. The merchant generates an invoice link and sends it via SMS or email, allowing customers to pay using available payment methods. This is positioned as an alternative to cash on delivery and as a way to share receipts and collect remote payments with minimal checkout build effort.

QR Payments

For QR-based payments, aamarPay supports a scan and pay model using an aamarQR code. This is positioned for use at checkout, in-app, and in offline retail outlets where customers can scan and pay at the counter. The QR flow is presented as another acceptance channel within the broader merchant toolset.

Payment Methods Supported

aamarPay states coverage across card and local methods, including both local and international bank-approved cards. It lists the following accepted methods:

• Visa
• MasterCard
• UnionPay
• Qcash
• bKash
• Rocket
• Nagad
• Tap
• Upay
• SureCash
• OK Wallet
• Nexus

For international card acceptance, aamarPay also emphasizes all major international cards accepted within its international gateway positioning, with settlement in BDT.

Checkout And Billing Flows

aamarPay supports several merchant-facing payment collection patterns:

• Hosted checkout flow for the online payment gateway, where the customer is directed to an aamarPay payment experience to complete the payment.
• Payment links for sharing over messaging and social channels.

• Invoice links generated from a merchant portal or merchant app and delivered via SMS or email.
• QR code payments for scan-and-pay use cases at checkout or counters.

aamarPay also references merchant-facing tools such as a merchant web panel and merchant app for e-statements and tracking payments, plus viewing balances and settlement activity.

Developer And Integration Options

aamarPay positions developer-friendly APIs and provides API reference materials with multiple versions. The integration approach is commonly based on initiating a payment request and handling a return flow plus server-to-server notifications.

Notable integration and tooling elements include:

• API integration with support for initiating payments and searching transactions.
• Webhook-style notification via Instant Payment Notification (IPN).
• Postman collection and sandbox credentials references in the API documentation set.
• Plugin options listed in the documentation navigation, including WooCommerce, WHMCS, OpenCart, and related plugins.
• Packages and libraries including Android library and Flutter package references in the documentation set.

Disputes, Chargebacks, And Refund Handling

aamarPay describes that, when a dispute or chargeback occurs, the merchant may be required to provide funds in advance equal to the settlement amount (100% of the disputed settlement) or have it deducted from future settlements. This is relevant for merchants assessing reserve requirements, dispute exposure, and cash-flow planning.

Security And Compliance

aamarPay positions its payment environment around industry and local regulatory compliance:

• PCI DSS compliance is described, including “PCI Level 1 compliant” messaging in product marketing and PCI DSS compliance framing in its API documentation security section.
• Bangladesh Bank licensing is stated, describing aamarPay as licensed as a Payment Service Operator (PSO) by the Bangladesh Bank.
• It also references security features such as 3D Secure and fraud prevention in its public positioning.

Merchant Operations And Reporting

aamarPay highlights operational tools intended to reduce day-to-day payment admin overhead:

• Merchant portal and merchant app references for checking transactions, balances, statements, and settlement activity.
• Real-time SMS and email alerts for payment link and invoice payment use cases.
• E-statement positioning for tracking received payments via merchant app and web panel.

For teams that need centralized payment visibility, these tools are positioned as the primary interface for monitoring and payout tracking, alongside API transaction search endpoints for deeper integration.

Who aamarPay Is Best For

aamarPay is typically aligned with:

• Bangladesh-focused merchants that need local payment methods alongside card acceptance.
• Ecommerce and online businesses needing hosted checkout with multiple payment options.
• Schools and education-related organizations that want online collections and structured payment records.
• Social commerce and f-commerce sellers who benefit from payment links and invoice links shared over messaging.
• Offline retail outlets that want QR-based acceptance options at a counter.

Conclusion

aamarPay is a merchant-focused payment provider offering an online payment gateway plus complementary acceptance tools, including payment links, invoice link payments, and QR-based scan-and-pay flows. It combines local Bangladesh payment method coverage with card acceptance and offers merchant-facing operational tooling via a portal and merchant app.