Engineered with an ACID-compliant double-entry accounting ledger, sub-millisecond settlement, Election Commission eKYC, and native cross-platform applications for Consumers, Merchants, and Agents.
Switch between consumer wallet, merchant checkout, agent cash register, cardless ATM, and offline soundwave payment modes.
Tailored ergonomic experiences built for everyday consumers, retail merchants, and nationwide rural agent banking booths.
Comprehensive consumer mobile wallet. Zero-fee P2P Send Money, 1.49% Cash Out at 300,000+ agent points, instant Mobile Recharge, cardless ATM vouchers, and AI nano-loans.
Point-of-sale retail management suite. Generates dynamic Bangla QR codes, broadcasts loud audio chimes upon payment receipt, manages cashier credentials, and executes instant B2B bank sweeps.
Dedicated field branch portal. Process customer cash-in and cash-out with dual float-commission ledgers, sweep accrued commissions with 1-click, and register new customers with biometric OCR eKYC.
Expatriates in Saudi Arabia, UAE, USA, UK, and Malaysia can send wages straight into any Payra mobile wallet with zero incoming fees and an automatic 2.5% cash incentive deposited into their family's balance.
Every Single Paisa Is Accounted For. Zero balance drift, zero unbacked currency minting, and zero race conditions under high concurrency.
Real cash held in statutory escrow at Bangladesh Bank and trustee partner banks. Every electronic float token is 100% matched 1:1 by hard currency.
Debit: Increases Escrow
Credit: Decreases Escrow
Customer wallet balances, merchant pending settlement funds, and agent operational floats. Money owed directly to the public on demand.
Credit: Increases User Wallet
Debit: Decreases User Wallet
Platform transaction commission (e.g. 1.49% Cash Out, 1.00% Merchant MDR) distributed precisely between Payra, Agent partners, and Telcos.
Credit: Increases Fee Income
Debit: Fee Reversals/Refunds
| Account Identifier | Account Type | Debit (ā§ŗ) | Credit (ā§ŗ) | Status |
|---|---|---|---|---|
LIAB:USER:017****0001 (Sharif Noble) |
Liability | 1,014.90 | 0.00 | DEBITED |
LIAB:AGENT:016****0004 (Gulshan Point) |
Liability | 0.00 | 1,000.00 | CREDITED |
REV:COMMISSION:AGENT (Agent Fee) |
Revenue | 0.00 | 4.50 | CREDITED |
REV:COMMISSION:PAYRA (System Fee) |
Revenue | 0.00 | 10.40 | CREDITED |
| SUM OF VOUCHER: | ā§ŗ 1,014.90 | ā§ŗ 1,014.90 | ÎŖ DEBIT = ÎŖ CREDIT | |
Built, optimized, and signed with standard release keystores for testing on any physical Android device or emulator.
Consumer mobile wallet with Send Money, Cash Out, and Mobile Recharge.
Download Personal APKRetail point-of-sale terminal with Bangla QR and instant settlement.
Download Merchant APKBranch booth manager with cash-in, cash-out, and biometric eKYC.
Download Agent APKAccept payments across Bangladesh in minutes. Drop in Payra Checkout modal with 3 lines of JavaScript or integrate your backend directly to our double-entry ledger daemon.
Test customer checkout experience with direct wallet PIN, dynamic Bangla QR canvas, and SoundWave acoustic payment.
<!-- 1. Include Payra Gateway SDK -->
<script src="https://payra.cybernation.bd/Gateway-SDK/payra-checkout.js"></script>
<script>
// 2. Initialize Omni-Channel Checkout
const checkout = new PayraCheckout({
merchantCode: 'MERCHANT_TAYYIBAH',
merchantName: 'Tayyibah Organic Food',
onSuccess: (tx) => {
console.log('â
Payment Successful:', tx.voucherId);
PayraCheckout.showReceiptSlip(tx);
},
onCancel: () => console.log('Payment cancelled by user.')
});
// 3. Open Modal for Customer
checkout.open({
amount: 1250.00,
invoiceId: 'INV_TYB_4820',
customerPhone: '01700000001'
});
</script># S2S Direct Ledger Settlement API
curl -X POST http://localhost:5000/api/v1/merchant/pay \
-H "Content-Type: application/json" \
-d '{
"senderPhone": "01700000001",
"merchantCode": "MERCHANT_TAYYIBAH",
"amount": 1250.00,
"pin": "1234",
"invoiceId": "INV_TYB_4820"
}'const fetch = require('node-fetch');
async function processPayraMerchantPayment() {
const res = await fetch('http://localhost:5000/api/v1/merchant/pay', {
method: 'POST',
headers: { 'Content-Type': 'application/json' },
body: JSON.stringify({
senderPhone: '01700000001',
merchantCode: 'MERCHANT_TAYYIBAH',
amount: 1250.00,
pin: '1234',
invoiceId: 'INV_TYB_4820'
})
});
const data = await res.json();
console.log('Ledger Voucher:', data.voucher);
}
processPayraMerchantPayment();import requests
def payra_charge_customer():
payload = {
"senderPhone": "01700000001",
"merchantCode": "MERCHANT_TAYYIBAH",
"amount": 1250.00,
"pin": "1234",
"invoiceId": "INV_TYB_4820"
}
response = requests.post("http://localhost:5000/api/v1/merchant/pay", json=payload)
voucher = response.json()
print("Settled Voucher:", voucher["voucher"]["id"])
payra_charge_customer()Dynamic canvas rendering compliant with National Payment Switch Bangladesh (NPSB).
Zero-internet near-ultrasound transaction vouchers for rural and remote merchants.
Every transaction verified with dual debit/credit entries in audited escrow ledgers.
Built-in 58mm/80mm thermal receipt slip printer and Service Worker offline caching.