Built for Bangladeshi merchants · বাংলা + English

Get KYC-verified and start accepting payments in 6 minutes.

Skip the 5–14 day bank KYC. Verify your business, connect Bkash / Nagad / SSLCommerz, and stop losing hours to manual reconciliation. One dashboard for payments, payroll, and audit — priced in taka.

6-minute median KYCBDT-native pricingAppend-only audit logSAML on day 1 for enterprise
merchantos.bd / overview
v2.4
Gross Revenue
৳ 4.82M24.6%
7D30D90D
Merchant AI
You have 3 invoices overdue. Send reminders?
Drafting follow-ups
Payments
12,847
+8.2%
Verified
98.4%
KYC
AI Tasks
3,109
today
Live activityRealtime
Anwar Trading Co.
Settled৳ 84,200
Padma Logistics Ltd.
Escrow৳ 12,940
Dhaka Apparel Hub
Payout৳ 211,500
0 days
Avg. bank KYC today — we cut it to minutes
0 hrs
Monthly recon lost per SME merchant
0%
Revenue leaked to fraud & chargebacks
0 months
Enterprise procurement — we ship SAML on day 1
The problem we're paid to solve

Every BD merchant loses money to the same four failures.

We don't sell dashboards. We remove the specific friction that costs merchants weeks, margin, and enterprise deals — and we price against the savings.

6 min
median verification
Today

KYC takes 5–14 days across banks, MFS and marketplaces — merchants churn before their first transaction.

৳ lost per abandoned merchant
With merchant.bd

One verified identity, reused across every partner. TIN + NID + trade licence checked in under 6 minutes.

T+1
settlement clarity
Today

Payments scatter across bKash, Nagad, cards, and bank transfers — reconciliation is manual, settlement is opaque.

40+ hrs/month lost to recon
With merchant.bd

PSP-agnostic payment links with a single ledger, automatic reconciliation, and T+1 settlement view.

0 shared
credentials or roles
Today

Fraud, chargebacks, and impersonation kill margins — banks blame merchants, merchants blame PSPs.

2–5% revenue leak
With merchant.bd

Append-only audit log, device + document signals, and admin review queue with role-scoped access.

Day 1
enterprise-ready
Today

Enterprise buyers demand SAML, RLS, DPAs — most local SaaS can't produce them, so procurement dies.

Deal cycle > 6 months
With merchant.bd

SAML SSO, row-level security, encrypted storage, DPA-ready — built into the platform, not bolted on.

The Ecosystem

Eight modules. One shared backend.

Every module inherits identity, compliance, and audit logging from the same RLS-secured core. The Hub is where merchants land — the rest are activated on demand.

Hub
01 · Merchant OS
The Hub

The mother platform. Onboarding, payments, escrow, and reconciliation tying every module together.

You are here
Private beta
02 · KYC & Consent
Identity Module

NID verification, liveness detection, and consent management for regulated businesses.

Request access
Private beta
03 · HR & Payroll
Workforce Module

BDT-native payroll, attendance, compliance, and AI workforce intelligence.

Request access
Private beta
04 · Outlets & Inventory
Retail Module

Real-time inventory sync, demand heatmaps, and outlet APIs across the network.

Request access
Private beta
05 · Audit & SOC
Security Module

Pen testing, audits, threat intelligence, and managed SOC for the ecosystem.

Request access
Coming soon
06 · Logistics & Fleet
Operations Module

Logistics and operations layer connecting merchants, fleets, and warehouses.

On the roadmap
Coming soon
07 · Unified Intake
Onboarding Module

Single onboarding flow for merchants, employees, and institutional entities.

On the roadmap
Coming soon
08 · Referrals & Integrators
Partners Module

Partner program, referrals, and integrator network across the ecosystem.

On the roadmap
Merchant AI

An AI co-pilot for every merchant.

From invoice drafting to customer replies, Merchant AI runs the operational tail of your business autonomously — observable, auditable, and always in your control.

Invoice generated
Payment reminder sent
Reply drafted
Insight surfaced
Merchant AI
online · gpt-class · audit on
session #f8a2
Summarize today's revenue and flag anomalies.
Revenue ৳4.82M today (+24.6% WoW). 3 invoices flagged: late payment from Padma Logistics — drafted reminder.
Send it.
Ask Merchant AI anything…
Platform Infrastructure

One programmable layer connecting all of commerce.

Every surface — payments, logistics, identity, capital — converges through a single interoperable core.

Core
MerchantOS
live
Payments
Logistics
Escrow
APIs
CRM
Analytics
KYC
Suppliers
Beta pricing — locked for 12 months

Priced against what we save you.

Free during private beta for SMEs. Enterprise contracts include implementation, SLA, and compliance support — invoiced in BDT or USD.

Full pricing breakdown →
Starter
৳0
during private beta
For SMEs testing payment links + KYC
  • Up to 100 verified customers
  • Payment links + basic recon
  • Email + WhatsApp support
  • No card required
Start free
Most merchants pick this
Growth
৳4,900
/month
Merchants processing ৳5L–1Cr/month
  • Unlimited KYC verifications
  • Multi-PSP routing + settlement view
  • Role-based team access
  • Priority support (< 4h)
Book a call
Enterprise
Custom
banks, PSPs, marketplaces
SAML SSO, DPA, dedicated SLA
  • SAML SSO + audit export
  • White-label KYC-as-a-service API
  • Dedicated infra + 99.95% SLA
  • Compliance + procurement support
Talk to sales
Onboarding

Join the infrastructure network.

Reserve early access. We're onboarding a curated cohort of merchants every week.

By joining you agree to our terms. We'll never share your information.