IBBL Bangla QR

What it is

Bangla QR is Bangladesh Bank's national interoperable QR standard (PSD Circular No. 01/2021), built on the EMVCo merchant-presented QR specification. A customer can pay a Bangla QR from almost any bank or MFS app: bKash, Nagad, Rocket, CellFin, internet banking apps, and others.

IBBL Bangla QR collects payments into the merchant's Islami Bank Bangladesh PLC (CellFin) account. SMS Pay shows the customer a QR code made for that checkout, with the amount already filled in. When the money arrives, Islami Bank sends a credit SMS to the merchant phone, and the SMS Pay Android app forwards it so the payment is confirmed automatically.

Item	Value
Payment method code	`IBBL_BANGLA_QR`
Settles into	Merchant's Islami Bank CellFin account
Customer pays with	Any Bangla QR-enabled bank or MFS app
Confirmation evidence	Credit SMS from the `Islami Bank` sender
Android app	Version 1.1.0 or newer

Other banks' Bangla QR will be added as separate payment methods once their SMS formats are confirmed.

Requirements

Before enabling IBBL Bangla QR, confirm:

the merchant has an Islami Bank CellFin merchant account with a printed static Bangla QR (the poster or sticker without a fixed amount)
Islami Bank sends the credit SMS for that account to a phone your operations team controls
that phone runs the SMS Pay Android app 1.1.0 or newer, linked to the correct environment

Setup

1. Enable the payment method

Open Dashboard -> Organization -> Payment methods and enable IBBL Bangla QR.

2. Add a receiver account

Open Dashboard -> Organization -> Receiver Accounts -> Add account:

Choose the environment and IBBL Bangla QR as the payment method.
Click Upload QR image and pick a clear photo or scan of the merchant's printed Bangla QR. You can also paste the text decoded from the QR.
Check the merchant name, city, and mobile number shown under the QR.
Set Receiver MSISDN to the mobile number of the phone that receives the Islami Bank SMS. It is pre-filled from the QR; change it if the SMS goes to a different phone.
Save.

SMS Pay rejects a QR that:

is not a valid Bangla QR (bad checksum, not BDT, no merchant account)
does not pay into an Islami Bank account
already contains a fixed amount (a one-time dynamic QR instead of the merchant's static QR)

3. Update the Android app

Install SMS Pay Android app 1.1.0 or newer from Downloads on the phone that receives the Islami Bank SMS. Open Payment methods in the app and make sure IBBL Bangla QR is enabled.

Customer checkout

When the customer selects IBBL Bangla QR, hosted checkout shows:

a QR code made for this payment, with the amount already filled in
the exact amount to pay
steps to scan with any bank or MFS app
a live "waiting for your payment" status that updates automatically

The customer's app fills in the amount and the customer cannot change it. There is no reference or transaction ID to type.

The payable amount

A Bangla QR payment carries no customer reference, so SMS Pay identifies the payment by its amount. Each checkout gets a payable amount that no other open IBBL Bangla QR checkout on the same receiver account is using:

Situation on the receiver account	Payable amount for a Tk 500.00 order
No other open checkout for Tk 500.00	Tk 500.00
Tk 500.00 already held by another checkout	Tk 500.01
Tk 500.00 and Tk 500.01 already held	Tk 500.02

The offset is at most 99 paisa. Checkout shows the customer why, for example "Includes Tk 0.02 to identify your payment".
An amount stays reserved while its checkout is pending, and for 30 minutes after it expires or is cancelled, so a late bank SMS cannot confirm a newer checkout by mistake.
If all 100 amounts (Tk 500.00 to Tk 500.99) are in use on that receiver, payment method selection fails with BANGLA_QR_AMOUNT_UNAVAILABLE. Add more IBBL Bangla QR receiver accounts to raise capacity; SMS Pay rotates between active receivers.
Webhooks, the ledger, and your order still use the intent's original amount. Any extra paisa the customer pays stays in the merchant's account.

How the payment is confirmed

Islami Bank sends the merchant phone an SMS like this:

CellFin
BDT 500.02 Received
From: bKash
TrxId: 3226102300000000
@23/10/2026 06:04 PM

From is the customer's bank or MFS, not a phone number. SMS Pay marks the intent PAID when all of these hold:

Check	Requirement
Sender	SMS came from the `Islami Bank` sender on the linked phone.
Payment method	The intent's method is `IBBL_BANGLA_QR`.
Amount	SMS amount equals the intent's `payableAmount` exactly.
Receiver	The SMS reached the intent's receiver phone.
Uniqueness	Exactly one pending checkout holds that payable amount.
Expiry	The intent is still active.
Reuse	The SMS and its TrxId have not confirmed another intent.

If two pending checkouts somehow hold the same amount, SMS Pay does not guess. The SMS stays unmatched for review in Reconciliation.

API integration

You can let hosted checkout offer IBBL Bangla QR alongside other methods, or preselect it:

{
  "amount": 500,
  "idempotencyKey": "order-10045-attempt-1",
  "merchantReference": "ORDER-10045",
  "paymentMethod": "IBBL_BANGLA_QR"
}

The lowercase alias ibbl_bangla_qr is also accepted. Once IBBL Bangla QR is selected, the payment intent response includes payableAmount:

{
  "id": "b5012f33-207e-4999-bf8d-5a1ebb10988e",
  "amount": "500",
  "payableAmount": "500.02",
  "paymentMethod": "IBBL_BANGLA_QR",
  "status": "PENDING",
  "checkoutUrl": "https://smspaybd.com/checkout/b5012f33-207e-4999-bf8d-5a1ebb10988e"
}

payableAmount is null for other payment methods. Fulfil orders from the payment.paid webhook as usual; nothing else in your integration changes.

Testing

The sandbox SMS simulator does not generate IBBL Bangla QR SMS yet. After setup, verify the whole flow with a small live payment, for example Tk 1:

Create a live intent and open its checkout.
Select IBBL Bangla QR and scan the QR with any bank or MFS app.
Confirm the app shows the right merchant and amount, then pay.
Confirm the Islami Bank SMS reaches the merchant phone and the intent becomes PAID within a few seconds.

Troubleshooting

Problem	What to check
IBBL Bangla QR is not offered at checkout	Method is enabled for the organization, and an active IBBL Bangla QR receiver account with a saved QR exists in that environment.
QR upload says "No QR code found"	Use a sharper, well-lit photo of the QR alone, or paste the decoded QR text instead.
"QR does not pay into the bank"	The QR belongs to another bank. Only Islami Bank QRs work with IBBL Bangla QR.
Customer's app rejects the QR	The customer's app may not support Bangla QR, or the bank/app transaction limit was reached. Try another app.
Paid, but intent stays `PENDING`	Android app is 1.1.0+, IBBL Bangla QR is enabled in the app, the SMS arrived from `Islami Bank` on the linked phone, and the receiver number matches that phone. Check SMS Events.
`BANGLA_QR_AMOUNT_UNAVAILABLE`	Too many open checkouts for the same amount on one receiver. Add receiver accounts or shorten intent TTL.