A Payment Gateway Like Never Before
Every Payment.
One Gateway.
Zero Limits.
Paperless unifies cards, mobile wallets, and internet banking into a single intelligent platform — built to power Bangladesh’s digital future at enterprise scale.
Built For Merchants
Who Mean Business
Everything you need to launch, scale, and trust your payment stack — in one modern, intelligent gateway.
Smart Payment Routing
Routes to the highest-performing provider instantly with real-time failover — one provider’s downtime never affects your revenue.
Refund & Dispute Engine
Full and partial refunds via a structured workflow. Chargeback management and dispute resolution built in from day one.
Real-Time Analytics
Live transaction monitoring, success rates, provider performance, and revenue dashboards — all from your merchant portal.
API-First Architecture
Generate keys, rotate credentials, configure webhooks, and set risk limits programmatically. Integrate in hours, not weeks.
Automated Settlement
Double-entry ledger, automated payout calculation, and batch scheduling — with full reconciliation and discrepancy alerts.
Fraud & Risk Shield
Velocity checks, IP risk scoring, and suspicious transaction detection — protection that scales with your volume.
From Checkout to Settlement
In Four Steps
Onboard Online
KYC, verification, and API credentials — entirely digital. No paperwork, no branch visits.
Customer Pays
Card, bKash, Nagad, internet banking — the gateway picks the best route automatically.
Engine Processes
Validated, deduplicated, and written to an immutable ledger in milliseconds. Every time.
You Get Paid
Automated settlement, fee deduction, and reconciliation. Funds arrive on your schedule.
One Integration.
Every Payment Method.
Connect once to Paperless and instantly accept payments from Bangladesh’s entire payment ecosystem.
QR Payments Mobile Recharge QR Payments Mobile Recharge
Internet Banking Bill Payment Internet Banking Bill PaymentBangladesh Bank
Licensed. Fully Secure.
End-to-End Encryption
Every API call and credential encrypted end-to-end. Sensitive data never touches an unencrypted surface.
PSO Certified · Bangladesh Bank
Paperless holds a Payment System Operator license from Bangladesh Bank — one of only a handful awarded nationally.
Request Signing & IP Whitelisting
Cryptographic signatures and admin IP whitelisting make unauthorized access structurally impossible.
Immutable Audit Logs
Every transaction, state change, and admin action permanently logged — tamper-proof and fully auditable.
Test Before
You Launch.
A full production mirror — mock providers, test credentials, simulated refunds, and webhook replay. Build with total confidence.
// Initiate payment — Paperless API
POST /v1/payments/initiate
{
"amount": 5000,
"currency": "BDT",
"merchant_id": "PLMRCH_001",
"order_id": "ORD_20250101_X7",
"redirect_url": "https://yoursite.com/success"
}
// Response
{ "status": "INITIATED",
"txn_id": "PL_TXN_9F3A2C" }
Ready to Rewire
Bangladesh’s Payments?
Join the merchants building their digital future on Paperless infrastructure.