shurjoPay

shurjoPay Overview for Merchants

shurjoPay is a Bangladesh-based payment service provider operated by shurjoMukhi Limited. It supports online payment acceptance for websites, QR-based collection in physical shops, and shareable payment links. For technical teams, shurjoPay provides a developer platform with RESTful APIs, a sandbox environment, and an Instant Payment Notification (IPN) capability for transaction status updates.

What Is shurjoPay

shurjoPay is a payment gateway for merchants that want to collect digital payments across common commerce touchpoints:

• Website checkout via an online payment gateway
• In-store collection using a QR-based payment solution
• Remote collection using payment links shared over messaging, email, or other channels

The service is offered under shurjoMukhi Limited, with a listed business address in Dhaka, Bangladesh.

shurjoPay Payment Acceptance Channels

Online Payments for Websites

shurjoPay provides an online payment gateway intended for integrating into a merchant website to collect online payments. This is typically used for ecommerce checkouts and other web-based payment flows.

QR-Based Payments for Physical Shops

For in-person collection, shurjoPay offers a QR-based payment solution designed for use at a physical shop. This channel is relevant where a merchant wants a QR-first flow rather than a traditional POS terminal.

Payment Links for Remote Collection

shurjoPay includes a payment link generator that creates a link a merchant can share through channels where URLs can be sent. This approach supports use cases such as:

• Sales via social messaging or phone support where a link is sent after the order is confirmed
• Taking payment without building a full cart and checkout experience
• Collecting payment for a specific amount with minimal setup

Web, Mobile, and Desktop App Integration

shurjoPay indicates the gateway can be integrated into web-based applications, mobile applications (Android and iOS), and desktop applications. This makes it suitable for merchants that take payments outside a standard browser checkout.

Payment Methods and Currency Handling

Payment Methods

shurjoPay is positioned for digital payments that include:

• Card payments
• Mobile wallet payments

For recurring payments, the service supports standing instructions where a customer’s chosen payment method may include a credit card, debit card, or bank account.

International Transactions and Multi-Currency

shurjoPay states that international transactions are supported in a specific way: payments can be received from international customers, but outbound international transfers are not supported within the gateway flow.

The service also states that customers can pay in a currency of their choice and merchants can receive payment in a currency of their choice, with exchange rates potentially affecting the received amount.

For API integrations, a currency parameter is used in ISO format, and the documented allowed currency codes for that parameter are BDT and USD.

Checkout and Billing Flows

shurjoPay supports multiple ways to collect payment depending on the merchant’s channel and product setup.

Redirect Checkout

For API-based integrations, a typical flow includes redirecting the customer to complete payment and then returning them to the merchant using merchant-specified return and cancel URLs. Merchants can use the transaction identifiers to confirm the final status after redirect.

Payment Links

Payment links provide a lightweight billing flow that does not require a full web checkout. The merchant generates a link and shares it with the customer, who completes payment through the link flow.

QR Code Payments

QR-based payments enable a customer to initiate payment by scanning a merchant QR code. This can support in-store scenarios where speed and simplicity are priorities.

Recurring Billing and Subscriptions

shurjoPay references a subscriptions product based on recurring payment instructions. In this setup, customers authorize recurring charges to their chosen payment method based on a billing cycle the merchant communicates.

Settlement, Withdrawals, Refunds, and Disputes

Withdrawal Frequency

shurjoPay states that payments can be withdrawn on a weekly basis, meaning a merchant can typically withdraw once every week.

Verification Before Release of Funds

shurjoPay states that collected funds are released after authentication and verification of transaction details according to merchant requirements.

Refunds and Disputes

shurjoPay states that disputes or refunds are handled based on authenticity and verification of credit documents and legitimacy of claims.

Card Data Handling

shurjoPay states that only banks have access to credit card numbers and that shurjoPay does not handle credit card numbers.

Developer Experience and Integration Options

shurjoPay provides a developer platform intended for merchant engineering teams and implementation partners.

RESTful APIs

shurjoPay documents a RESTful API set that supports core functions commonly needed for a payment integration, including:

• Authentication token generation
• Initiating a payment transaction
• Verifying a payment transaction

The documentation describes both production and sandbox base URLs. Tokens are described as having a limited validity window, and live credentials are provided during onboarding.

Sandbox Environment

shurjoPay provides a sandbox environment designed to let developers test integrations without deducting money from customers. This enables merchants to validate flows and edge cases before going live.

Instant Payment Notification

shurjoPay provides an Instant Payment Notification feature designed to deliver deferred status updates for incomplete transactions, including cases where a customer loses a browser session. IPN is integrated by:

• Providing an endpoint to receive an order identifier
• Verifying payment using the order identifier
• Updating the merchant system based on verification results

This can be useful for merchants that need reliable post-payment reconciliation and automated order state updates.

Plugins, Modules, and SDK Coverage

shurjoPay lists multiple supported integration options across platforms, including:

• Ecommerce and CMS plugins/modules: WooCommerce, OpenCart, WHMCS, PrestaShop, Magento 2
• Mobile: Android and Flutter
• Back-end and general SDKs: Java, Spring, JavaScript, Node.js, Python, .NET, Rust
• Package distribution references across common ecosystems (for example, npm, PyPI, NuGet, crates.io)

This breadth can reduce implementation work for merchants that prefer prebuilt connectors rather than a from-scratch API integration.

Merchant Onboarding

shurjoPay provides a merchant registration form and states that the acquisition team will contact the merchant to discuss products and services and provide a quotation. This indicates pricing is provided through a quote-based commercial process rather than a public price list.

Compliance and Risk Considerations

Regulatory References and Information Sharing

shurjoPay references Bangladesh Bank rules in the context of international transactions. Its terms also state that certain user-generated content or registration data may be shared with governmental and regulatory agencies that are lawfully authorized for investigative, protective, and cyber security activities, including identity verification and prevention or investigation of cyber security incidents.

Security Posture Statements

shurjoPay states that it does not handle credit card numbers and that only banks have access to credit card numbers. It also describes affiliation with banks and references server verification and validation in that context.

Conclusion

shurjoPay is a Bangladesh-based PSP offering online payment gateway functionality, QR-based in-store collection, and payment links, supported by a developer platform that includes RESTful APIs, a sandbox environment, and IPN-driven status updates. The public materials provide clear detail on integration paths, merchant registration requirements, and withdrawal frequency, while commercial terms such as fees and processing rates are handled through a quotation-based onboarding process.