The modern payment gateway for Bangladesh. Support for bKash, Nagad, uPay, and Bank Transfers with instant P2P & P2C verification.
One API to handle the most popular payment methods in the region.
Instant automation for Personal to Personal and Personal to Corporate transactions.
Seamless integration for Bangladesh Post Office's digital financial service.
Full support for uPay transactions with real-time balance validation.
Automated reconciliation for local bank transfers and deposits.
We don't just move money; we protect your business. Our infrastructure is designed to handle high volumes with zero compromise on safety.
Webhooks fire instantly. No more manual checking of SMS or screenshots.
Real-time analysis to prevent double spending and fake transaction IDs.
Whether you are paying out salaries or accepting customer payments, we cover both flows.
const response = await aref.verify({ method: 'bkash_p2p', trxID: '8J2KL9MN', amount: 5000 }); // Response { "success": true, "status": "VERIFIED", "timestamp": "2023-10-27T10:30:00Z", "meta": { "sender": "0171***99", "reference": "Inv-1022" } }
Comprehensive guides and SDKs for PHP, Node.js, Python, and Go.
Test your integration fully with our realistic simulation mode before going live.
Join hundreds of businesses using aref.finance to process payments securely and instantly.