Terms of Service

1 Acceptance of Terms & Eligibility

By creating an account on BD Secure Pay, generating API credentials, or integrating our payment endpoints into your online applications, you confirm that you are at least 18 years of age, legally competent to enter into binding agreements, and duly authorized to represent your business or website.

If you do not agree to these terms in their entirety, you must immediately discontinue using our services and revoke your API keys.

2 Scope of Service & Gateway Operation

BD Secure Pay provides an automated multi-channel payment gateway aggregator and merchant technology platform. Our platform facilitates:

• Generating dynamic checkout pages, payment links, and invoices for e-commerce merchants.
• Automated transaction verification via Android device synchronization, direct bank integrations, and official MFS channels.
• Real-time webhook and callback transmissions to merchant websites upon payment confirmation.
• Merchant reporting, balance tracking, and analytics dashboards.

BD Secure Pay acts solely as a technical payment facilitator and does not hold banking customer deposits or act as a primary bank.

3 Merchant Account & API Security

Merchants are strictly responsible for maintaining the confidentiality and security of their account credentials, secret API keys, and device synchronization tokens:

4 Acceptable Use Policy & Prohibitions

Merchants agree to utilize our platform solely for lawful commercial transactions. The following activities, goods, and services are strictly prohibited:

• Illegal gambling, betting, casinos, lottery schemes, or unauthorized Ponzi/MLM operations.
• Sale of illegal narcotics, prescription drugs without proper licensing, weapons, or ammunition.
• Counterfeit merchandise, pirated intellectual property, or stolen software.
• Phishing, credit card fraud, transaction spoofing, or unauthorized money laundering (AML violations).
• Any content or services that violate the Digital Security Act and laws of Bangladesh.

5 Fees, Billing & Subscriptions

Merchants agree to pay the applicable gateway fees, plan subscriptions, and transaction charges as outlined in their active service tier.

• Subscription Plans: Plan fees are billed on a recurring monthly or annual basis as selected by the merchant.
• Transaction Charges: Transaction fees (percentage or flat rate per transaction) are automatically calculated and deducted according to your brand's configured fee rules.
• Refunds: Subscription plan fees are non-refundable once activated, unless otherwise specified in writing.

6 Optional Add-ons

Certain features are sold separately from the subscription plan as optional add-ons. An add-on is bought for one merchant account, has its own price and its own billing cycle, and works alongside the plan rather than replacing it.

• What an add-on is: an extra feature switched on for your account only — for example priority automatic verification, WhatsApp notifications, extra payment numbers, payment links with QR posters, or the invoice builder. Add-ons never change the terms of your plan.
• Price and billing cycle: the price and the cycle shown in the Addon Store at the moment you activate an add-on are the ones that apply to that activation. Prices are set by BD Secure Pay and may be revised for future activations and renewals; you are told the current price on the store page and in every renewal reminder before the money is taken.
• Payment: you choose how to pay for an add-on when you activate it. Either the price is deducted from your account balance straight away and the add-on starts working immediately, or you pay for it directly through the payment page with bKash, Nagad, card or bank — in which case nothing is taken from your balance and the add-on is switched on as soon as that payment is confirmed. Either way the charge is recorded in your history like any other.
• Automatic renewal: where it is offered, automatic renewal is your own choice, switched on or off by you per add-on at any time. While it is on, the price is taken from your account balance on the expiry date and the add-on continues for another cycle. While it is off, the add-on simply expires on its date and nothing is charged. BD Secure Pay may also withdraw automatic renewal from the platform as a whole; if that happens nothing is ever charged automatically, your own setting is kept, and each add-on has to be extended by hand before its expiry date. The store page and the reminder emails always tell you which of these applies to your account at the time.
• Not enough balance: if automatic renewal is on and your balance does not cover the price on the expiry date, the add-on is switched off instead of putting your account into debt. You are told why, and you can add funds and activate it again whenever you like.
• Reminders: we send a dashboard notification and an email before an add-on expires — by default seven days, three days and one day before, and again on the day itself. It remains your responsibility to keep enough balance for the renewals you want.
• What happens when it expires: only the feature stops. Data you have already created — invoices, payment links, saved numbers, settings — is not deleted, and it becomes usable again if you activate the add-on again. Payment links and invoices already sent to your customers keep working so that no customer is left with a dead page.
• Refunds: add-on fees are non-refundable once the add-on has been activated, including part-used billing cycles, unless otherwise agreed in writing. Switching an add-on off before its expiry date does not create a refund or a credit for the remaining days.
• Changes to add-ons: BD Secure Pay may add add-ons, retire an add-on, or change what an add-on includes. If an add-on you are paying for is retired, it keeps working until the end of the cycle you have already paid for.

Each add-on has its own step-by-step instructions, in English and in Bengali, on the “How the add-ons work” page inside your merchant panel.

7 Android Device Synchronization Responsibility

When utilizing our Android-assisted SMS verification system, the merchant is solely responsible for:

• Ensuring the connected Android device maintains a stable internet connection and active cellular network.
• Configuring Android battery optimization exceptions to allow uninterrupted background SMS processing.
• Maintaining active SIM cards with sufficient account validity and balance.

BD Secure Pay is not liable for delayed order confirmations caused by merchant hardware power failure, local ISP outages, or cellular carrier delays.

8 Service Availability & Maintenance

While we strive to maintain 99.9% platform availability, we do not guarantee uninterrupted uptime. Scheduled maintenance will be announced in advance where feasible. We are not liable for temporary service interruptions arising from upstream telecommunications issues, MFS provider maintenance (bKash/Nagad/Rocket maintenance windows), or force majeure events.

9 Limitation of Liability & Indemnity

To the maximum extent permitted by applicable law, BD Secure Pay and its operators shall not be held liable for any indirect, incidental, punitive, or consequential damages resulting from transaction disputes between merchants and their end customers, payment provider downtimes, or unauthorized account access resulting from merchant negligence.

The merchant agrees to defend, indemnify, and hold harmless BD Secure Pay from any claims, liabilities, damages, or regulatory penalties arising from the merchant's breach of these Terms or sale of prohibited goods.

10 Governing Law & Jurisdiction

These Terms and Conditions shall be governed by, construed, and enforced in accordance with the laws of the People's Republic of Bangladesh. Any legal dispute or claim arising out of these Terms shall be subject to the exclusive jurisdiction of the courts located in Dhaka, Bangladesh.

11 Contact & Legal Inquiries

If you have any questions regarding these Terms of Service or require legal clarifications, please reach out to our legal department: