Search pages in the SMS Pay documentation.
SMS Pay is a hosted payment gateway for Bangladeshi wallet payments confirmed from trusted provider SMS messages. Your customer pays through a hosted checkout page, your merchant phone receives the provider SMS, and SMS Pay matches that SMS against the payment request.
After you purchase a subscription or package, you receive merchant admin portal access. From that portal your team configures payment receivers, API keys, webhook endpoints, Android devices, sandbox tests, and live launch settings.
| Item | What it is for |
|---|---|
| Merchant dashboard access | Configure your organization, payment methods, API keys, webhooks, devices, sandbox tests, and operations. |
| Hosted checkout | Customer-facing payment page with amount, receiver number, reference, expiry, and TrxID fallback. |
| API access | Your backend creates payment intents and checks payment status using environment-specific API keys. |
| Android app | Installed on the merchant phone that receives wallet SMS messages. |
| Sandbox environment | Test payment intents, simulated SMS events, webhooks, and reconciliation without moving real money. |
| Live environment | Production payment flow after setup and testing are complete. |
| Role | Responsibility |
|---|---|
| Merchant admin | Manages dashboard access, receiver accounts, API keys, webhooks, devices, testing, and launch readiness. |
| Merchant developer | Integrates the backend with SMS Pay payment intents and webhooks. |
| Customer | Opens hosted checkout, pays the exact amount, and uses the displayed reference or TrxID fallback. |
| SMS Pay | Hosts checkout, stores payment intents, receives SMS evidence, matches payments, and sends webhooks. |
Your backend creates a payment intent for each order. SMS Pay returns a checkoutUrl. You redirect the customer there, then fulfill the order only after your backend receives a signed payment.paid webhook or verifies the payment intent status server-side.
Use:
idempotencyKey for safe retries of the same create request.merchantReference for your long order or invoice number.customerReference only as the short provider-facing payment reference. If you omit it, SMS Pay generates one.SMS Pay is not a page you copy into your site, and it is not a tool for building your own SMS parser. It is a hosted payment confirmation service. Merchant admins configure and operate it; SMS Pay runs the payment, matching, checkout, and webhook infrastructure.